Date Received: 2019-05-17
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: In XX/XX/XXXX, I spoke with Discover Student Loans regarding changing my due date to the XXXX of each month. Discover agreed to change the due starting XX/XX/XXXX as stated on the document. The loan was set up on the automatic debit. Loan payments were being debited on the XXXX of each month. I again spoke with Discover Student Loan customer service to request the due date change to the XXXX of the month. Discover stated starting XX/XX/XXXX, the due date would be changed. On XX/XX/XXXX and XX/XX/XXXX, Discover processed an automatic debit for loan repayment from my checking account. These payments were returned unpaid and my Bank assessed me a {$30.00} charge each time. Discover has committed a violation of Regulation AA. Discover mislead me in their communication that the due date would be changed to XXXX of each month. On XX/XX/XXXX, Discover informed me that my automatic payments would be stopped and I would lose the discount associated with automatic payments.
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I mailed, by US Postal Certified Mail, XXXX a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. XXXX did remove/delete all except a Discover Financial account. I then mailed Discover, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both XXXX and Discover have still not removed this fraudulent account from my credit report. Discover mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. Discover also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my XXXX credit report.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I am writing as an extremely dissatisfied consumer, regarding a dispute open with Discover Bank and a charge from XXXX, a company who broke medical protocol and whom promised verbally via phone and in-person a 25 % discount on services that they later did not honor. In previously communicating with Discover -- a representative named XXXX -- I was extremely detailed in my narrative and information sent regarding this dispute, and was advised that the Executive Office would work closely with the Disputes department to ensure timely and fair processing of my claim. On XX/XX/2019, I was very distressed to find that Discover sided with the merchant ambiguously and canceled my claim, even in lieu of the vast information provided by me to Discover 's offices. Discover opted to side with the merchant even in lieu of a vast lack of information provided by the merchant -- including not providing signed consent forms, forms with missing signatures, and an unrecognized signature on said receipt from the visit. In addition, the merchant ( XXXX ) refuses to speak with me at all, rendering it impossible for me to recover these funds as Discover also refuses to aid me in my concerns, and the Executive Office has become despondent and unprofessional in their dealings. At this time, I am requesting an immediate reopening of this claim versus XXXX and reversal of the decision to side with the merchant even in lieu of my extensive submitted documentation, as Discover has not done right by me, the customer. This, also even in lieu of the vast information provided and the proof of medical protocol broken by XXXX. In addition, I have told XXXX, a Disputes Manager with Discover Bank, that XXXX is refusing outright to speak to me via phone and not returning my emails and hanging up when I call them, rendering it impossible ( through no fault of my own ) to recover documents to send to Discover regarding this dispute. I do have several emails back and forth between XXXX ( XXXX Patient Consultant ) & I regarding the dispute, and their ongoing outright ignoring of my requests for assistance. While I also filed a grievance with the XXXX XXXX XXXX, XXXX ignored this complaint and did not respond. To date, XXXX ignores my requests for assistance and will not speak to me about this matter, rendering my only capability of recovering my funds for this dishonored promise and breach of medical protocol the dispute process with Discover Bank. This company admitted verbally ( a contractual agreement upheld even in courts of law ) to refund 25 % as a courtesy due to misinformation provided me ( XXXX, XXXX Patient Consultant and XXXX XXXX, XXXX Operations Manager ), and then proceeded to ignore my requests for contact and resolution as I had already filed a dispute with my bank ( Discover ) ; to date, this ignoring of my phone calls and emails continues, leaving me with no recourse other than to dispute with my bank, which I have done. The fact remains that not only medical protocol was broken by the merchant in neglecting to take Before & After photos of my procedure, further rendering it difficult to get their treatments corrected at another practice in addition to not being able to recover my funds via the dispute opened with Discover Bank, as they refuse to assist me at this time further -- a fact that is both appalling and unethical. To date, this matter has caused me severe distress during an already difficult time, and it is my hope that we are able to immediately resolve this matter in my favor given the detailed information I have provided -- now including XXXX 's outright refusal to speak to me regarding my issue or the promise of their refund. I am requesting that Discover Bank be investigated for their practices of simply accepting merchant 's word over the consumer 's, even in lieu of documented narratives, missing paperwork on part of the merchant, and the refusal of the merchant to provide recorded phone calls to prove my claim of the promised discount. It is is no way the fault of the consumer that said merchant is refusing to speak to me, and in the state of California, a verbal contract is a legally binding contract ( promise of said discount ), another fact that Discover has ignored. As a result, I am requesting immediate resolution to my concerns through the Consumer Financial Protection Bureau and Discover 's Executives.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I disputed {$240.00} illegally charged without my consent for title and tags on a used vehicle I purchased. On XX/XX/XXXX, Discover rejected my dispute based solely on a signed receipt from the dealership. Accordingly, I faxed a more detailed letter with affirmed facts demonstrating clear and convincing fraud in the inducement as well as fraud in the factum. Discover refused to consider this additional information. Moreover, I have the right to an appeal to the dispute panel under the terms of my credit card but Discover is illegally stonewalling my attempt to continue the dispute.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I previously had an {$8500.00} credit limit with Discover. I was 30 days late on my XXXX card, Discover reduced my limit to {$500.00} because of the late payment on my XXXX card. XXXX did not penalize my account and waived the late fee. Discover dropped my available credit to right about my current balance of {$300.00}. I did not receive a letter stating this as Discover stated they informed me by mail.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a Discover card and got an unfair late payment report on my credit report. In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX XXXX XXXX account was closed due to inactivity. I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late payment instead, and Discover does not report late payment unless its 60 day past due. I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: To Whom It May Concern : I recently obtained a copy of my credit report from XXXX, and it indicated that a credit inquiry was made by Discover on XX/XX/2019 on XXXX. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this fraudulent inquiry and have it removed from my credit report. I have contacted Discover several times and they arent willing to assist because they do not have a record of the hard credit inquiry in their files and refuse to assist me and will not follow up with XXXX to report I did not authorize the hard inquiry on XX/XX/2019. Please have this inquiry removed from my credit report, as it will have a negative effect on my loan applications and my acquisition of credit in the near future. I have sent this letter via certified mail to Discover Credit Operations as it requires their prompt attention and response. Conversely, Discover has refused to provide documentation to support that my authorization was in fact obtained for making this hard credit inquiry on XX/XX/2019. I would appreciate your assistance since I also have had an identity theft victim fraud consumer alert since last year and a consumer a statement that says to always call me prior extending or applying for credit under my name. With that said Discover did not comply with the instructions from my consumer statement and I did not receive a call from Discover and they are not willing to assist me. Thank you for your prompt assistance. Sincerely,
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my account without my knowledge.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A