BBB Accredited Business since

Discover Financial Services

Additional Locations

Phone: (302) 328-3300 Fax: (302) 323-7612 View Additional Phone Numbers PO Box 17019, Wilmington, DE 19850 View Additional Email Addresses http://www.discoverfinancial.com View Additional Web Addresses


BBB Business Reviews may not be reproduced for sales or promotional purposes.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Discover Financial Services meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Discover Financial Services include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 729 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

729 complaints closed with BBB in last 3 years | 278 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 277
Billing/Collection Issues 78
Delivery Issues 146
Guarantee/Warranty Issues 12
Problems with Product/Service 216
Total Closed Complaints 729

Customer Reviews Summary Read customer reviews

12 Customer Reviews on Discover Financial Services
Customer Experience Total Customer Reviews
Positive Experience 3
Neutral Experience 0
Negative Experience 9
Total Customer Reviews 12

Additional Information

BBB file opened: February 27, 2001 Business started: 07/25/1960 Business started locally: 07/25/1960
Business Management
Dawn Dodds, Manager Mr. Michael Stack, Manager
Contact Information
Principal: Dawn Dodds, Manager
Business Category

Credit Cards & Plans Business Services - General Credit Card Issuing (NAICS: 522210)

Alternate Business Names
Discover Card Discover Card Service Inc Discover Cards Service Novus Services Inc.
Additional Information

Discover Financial Services has requested that before filing a BBB inquiry, consumers contact Dennis Michel, Vice President of Customer Service at the following:

Email: executiveoffices@discoverfinancial.com
Address: PO Box 17019
Wilmington, DE 19850-7019
Phone: (302) 328-3300

Please understand that you can file a complaint with the BBB now or at any time during this process. It is our hope that Discover Financial Services will resolve the matter for you in an expedient manner.


Customer Review Rating plus BBB Rating Summary

Discover Financial Services has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 2500 Lake Cook Rd

    Riverwoods, IL 60015

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 15410

    Wilmington, DE 19850

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 17019

    Wilmington, DE 19850 (302) 328-3300

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

2/9/2016 Advertising/Sales Issues
2/8/2016 Billing/Collection Issues
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1/1/2016 Advertising/Sales Issues
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10/28/2015 Problems with Product/Service
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2/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Re: Discover took a payment withdrawal TWICE against my bank account amount of $1,492.87. (I had scheduled a payment of the credit card balance in full and they took an automated payment of the same amount.)On Thursday Jan 29/15 - I immediately called Discover Customer Service and notified them of the error. I spoke at length with a number of CSRs. I ended up with ******* in Billing. I explained the situation and he said they could process a return of the funds to me electronically. ******* indicated he needed to get ******** on the phone to confirm the double payments had both cleared. He called ******** with me on the phone (3-way call) and validated the payments had cleared my bank account. ******* said he was processing the return of my funds and that I should expect the return of the $1,492.87 directly to my bank account by Friday 1/30/15 or Monday 2/2/15 at the latest because it might take up to 2 business days. Since I did not see the funds returned on Mon 2/2/15, I again called Discover Customer Service who told me after being passed around to 3 different individuals including a supervisor at the end named ****** that it was likely a "weekend day" processing issue. The Discover CSR told me that the return of the over-withdrawal payment to me was approved by Discover on Friday 1/30/15, therefore I should expect it by Tuesday 02/03/15. Well Tuesday came and went and they still have not processed the return of the monies. Now on 2/3/15 they are saying they can't validate that the double payments cleared with ******** (???) - I told them to go back and listen to their recorded CSR tapes and speak to ******* because he confirmed it with ******** directly on 1/30/15 - I know because I was on the line. In today's banking world they should have gotten this done by now. I'm frustrated -my credit card has a big negative balance. Their Customer Service group is not talking to one another or at not documenting properly and I'm not getting my money back. Now what if this was in reverse.... Product_Or_Service: Double Payment Withdrawn from Bank Account_Number: Discover Credit Card

Desired Settlement: DesiredSettlementID: Refund Return the $1,492.87 that Discover took twice from my bank account immediately. Normally Discover Customer Service is amongst the best in resolving issues. I realize this is unusual circumstances with Discover's double withdrawal-it's amazing they can't get this resolved timely. I have always paid my account in full as a long time customer. This is why this level of "SPIN" by the CSR team has been particularly disappointing.

2/13/2015 Problems with Product/Service
2/9/2015 Problems with Product/Service
2/9/2015 Delivery Issues
2/9/2015 Advertising/Sales Issues
2/6/2015 Delivery Issues
2/4/2015 Problems with Product/Service
2/3/2015 Advertising/Sales Issues
2/2/2015 Delivery Issues
2/2/2015 Delivery Issues
1/26/2015 Advertising/Sales Issues
1/23/2015 Delivery Issues
1/22/2015 Advertising/Sales Issues
1/20/2015 Guarantee/Warranty Issues
1/20/2015 Billing/Collection Issues
1/19/2015 Problems with Product/Service
1/12/2015 Delivery Issues
1/12/2015 Billing/Collection Issues
1/9/2015 Advertising/Sales Issues
1/9/2015 Problems with Product/Service
1/5/2015 Advertising/Sales Issues
12/29/2014 Billing/Collection Issues
12/29/2014 Delivery Issues
12/23/2014 Advertising/Sales Issues
12/22/2014 Problems with Product/Service
12/19/2014 Advertising/Sales Issues
12/18/2014 Advertising/Sales Issues
12/15/2014 Problems with Product/Service
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12/10/2014 Advertising/Sales Issues
12/9/2014 Guarantee/Warranty Issues
12/3/2014 Problems with Product/Service
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11/28/2014 Problems with Product/Service
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11/21/2014 Billing/Collection Issues
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11/17/2014 Problems with Product/Service
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11/11/2014 Problems with Product/Service
11/7/2014 Advertising/Sales Issues
11/3/2014 Advertising/Sales Issues
10/31/2014 Problems with Product/Service
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10/29/2014 Advertising/Sales Issues
10/28/2014 Problems with Product/Service
10/28/2014 Advertising/Sales Issues
10/27/2014 Delivery Issues
10/24/2014 Problems with Product/Service
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10/7/2014 Problems with Product/Service
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10/2/2014 Billing/Collection Issues
9/30/2014 Advertising/Sales Issues
9/29/2014 Advertising/Sales Issues
9/29/2014 Delivery Issues
9/29/2014 Delivery Issues
9/29/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Discover bank start the unauthorized transfer of 900 to the ************************* and the transfer got lost. Product_Or_Service: Online banking

Desired Settlement: DesiredSettlementID: Other (requires explanation) I request discover bank pay back $900 dollars to my account with the interest

Business Response: Consumer Response /* (3000, 13, 2014/09/23) */ **** *** <***********@gmail.com> Tue, Sep 23, 2014 at 12:28 PM To: ********* *******" <*******@chicago.bbb.org> Dear ******* This is ****. I am continue to have problem with Discover Bank. I request the closing of discover bank account and mail the remaining balance to me via the check, however, the check they send to me have insufficient fund which is not make sense at all since it is my fund, they have no right to use my fund without my permission. Thank you so much if you can help! **** Business Response /* (4000, 15, 2014/09/29) */ attached

9/29/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I recently went through a divorce and was awarded certain credit cards in the divorce. I have contacted Discover and had my contact info changed to my new address and phone. For my protection I requested old cards to be cancelled and new cards sent to my new address. Discover told me because of consumer protection alert I could only request that from the home phone number from where I used to live. I do not live there anymore as I have given the house to the ex-wife. Discover told me I would have to contact Better Business Bureau to resolve this before they could send me new cards. Can you please advise me on who to contact and what to do?

Desired Settlement: DesiredSettlementID: Other (requires explanation) Restrictions lifted from the old home phone number so that I can cancel old Discover Cards and order new ones to my new address.

9/23/2014 Advertising/Sales Issues
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9/15/2014 Problems with Product/Service
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9/15/2014 Delivery Issues
9/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In July of 2013 I paid off a small balance on my Discover Card. The only charges since that time on my Discover card have been some type of maintenance fee of $3.99 per month for some type of fraud protection. Before I go much further, I want to mention that I realize that it is my responsibility to pay all my bills. That being said, this 3.99 fee kept slipping my mind as I was not charging any debt to the card. In December of 2013 I was charged the 3.99 fee but again forgot to pay it and I again forgot in January. At that point I began accruing $0.50 monthly late charges. In May 2014, I believe that my card was suspended and I realized what was going on. I immediately logged into my Discover account and found that I owed $10.48 which I immediately paid. Due to this monthly maintenance fee and discover corporation's diligence in making sure that they tell the world of the financial threat that I pose to the world, my credit score dropped from 735 down to 631. Due to a $11.00 debt, my credit has been completely wrecked. This is all done under the premise of the Fair Credit Reporting Act. My question is, how is this fair? Account_Number: **** **** **** **** Not resolved 1 message ****** **** <******@gmail.com> Mon, Aug 18, 2014 at 6:56 PM To: *******@chicago.bbb.org My issue has not been resolved but I will mention that I have received an email from the discover consumer advocacy department. Only to let me know that they are looking into my complaint. Thank you for following up. ****** ****

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the derogatory statement being reported by Discover Card Services to the various credit agencies to be removed from my credit report as it does not tell the complete story. It does not indicate that the payments that I was missing were only for maintenance fees being charged by Discover card.

Business Response: Initial Business Response /* (1000, 15, 2014/08/29) */ Attached is a copy of our response to Mr. **** for your review.

9/9/2014 Advertising/Sales Issues
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9/5/2014 Advertising/Sales Issues
9/1/2014 Delivery Issues
8/26/2014 Advertising/Sales Issues
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8/26/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In April of 2013 I wrote a letter to Discover about mail that I have been getting for someone that does not nor has ever lived at my address. I may have filed a complaint with the BBB at some point about the issue. The mailing then stopped for a while. Today 8/14/2014 I get mail again from Discover with the same name of a person who does not nor has ever lived at my address. The mailings come in the name of ***********.

Desired Settlement: Stop sending mail for *********** to my address.

Business Response: Initial Business Response /* (1000, 5, 2014/08/22) */ "Please reveiw attached document"

8/22/2014 Delivery Issues
8/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Hello, my name is ****** ******. In June 2014 both my husband ********* ****** and I applied for a Discover credit card promotion on line. "150 CASH BACK After you make $750 in purchases during your 1st three months from account opening. Only valid for new applicants that use this offer link." https://www.discovercard.com/cardmembersvcs/acqs/app/display?pageFileId=listingsite&sc=KCV6&cmpgnid=cj-dca-inet-ls&aid=XXXXXXXX&pid=XXXXXXX&sid=wenxuecity.pc.XXXXXX.detail Before applying online, I contacted Discover to verify that the offer indeed belongs to Discover and that the promotion is still active. The representative confirmed that the promotion is run by Discover and that is still active. I asked her when the promotion expires and the representative told me that she does not have access to that information, but that the promotion is still ongoing and that she could take my application over the phone. I told her that I will apply online. She mentioned that online, if approved instantly, the credit limit will not be displayed, but if I apply over the phone with her she will be able to provide that information for me. I told her that I will apply online. As mentioned previously, both my husband and I applied individually for the promotion using the "Apply Now" button on the promotion page and by following the application process. Both of us have been approved. Each of us spent individually(on our credit card accounts) over $750 within the first month. We received the credit card statements, but the $150 cash back bonuses have not been posted on our accounts. In July 2014 we made numerous attempts both by phone and email to get this matter resolved. Copies of printouts that show the credit card promotion at the time of application have been provided to Discover for verification. We informed Discover that we will file claim with BBB if the $150 cash back bonuses will not be honored. I contacted Mrs. ***** ********** at Discover executive office (XXX) XXX-XXXX on 7/14/14. I explained the situation to her she said that she would look into it and get back to me no later than Thursday 7/17/14. On Wednesday 7/16/14 I followed up with her, she told me that she did not forget about me, and that she will call me by the end of the business day on Thursday. On Thursday 7/17/14 she called and she said that she did not forget about me but that she needs to find that phone call I made before applying for the promotion. She told me that she wil get back to me by the end of Friday 7/18/14. At first I agreed, then I called her back and told her that she did not do her job, she had plenty of time to research this issue like she promised me, and that I will file a claim with BBB today 7/17/14. Copies of emails sent to Discover could be provided to BBB. In 34 combined years of using credit cards, we NEVER had a problem with a credit card not honoring their promotion and we NEVER had to prove ourselves to a credit card company for the promotion that we have applied. Discover is using false advertising practices to lure customers. We ask Discover that the $150 cash back bonuses be applied and posted to our credit card accounts immediately, for a total of $300.

Desired Settlement: - $150 Cash back bonus to be applied on ****** ******'s Discover credit card account - $150 Cash back bonus to be applied on ********* ******'s Discover credit card account

Business Response: Initial Business Response /* (1000, 5, 2014/07/23) */ please see our response attached Initial Consumer Rebuttal /* (3000, 7, 2014/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am very disappointed to say that some of the statements made by Mrs. **** ****** in response to my claim are untruthful and I will discus them below. "Our investigation revealed that the offer you applied for online was a 0% Annual Percentage Rate on Purchases and Balance Transfers for 14 months. The link you provided in your correspondence to the Better Business Bureau does not indicate a Cashback Bonus(R) offer of $150.00 when you spend $750.00." Copies of print outs made at the time of application were emailed to **** at *****@discover.com on July 10th and July 13th. The copies prove that the promotion included: $150 cash back after spending $750 within first 3 months - 0% interest for 14 months Copies of emails were sent to Mrs. ******* ****** at BBB on July 24th. The link that I provided to the Better Business Bureau DOES indicate a Cashback Bonus(R) offer of $150.00 after spending $750.00 within first three months. The link is still active on Discover's website as of July 24th. Screen shots of promotion were emailed to Mrs. ******* ****** at BBB on July 24th. Per phone conversation with Mrs. ***** ********** at the Discover Executive Office on July 18th, she stated that she found the phone calls made to confirm that indeed the promotion includes a $150 cash back bonus offer. Mrs. ***** ********** stated that the $150 cash back bonus will be posted to ********* ******'s account on ****** 5th when the monthly statement is generated. Mrs. **** ****** stated in her letter that the $150 cash back bonus was added to ****** ******'s account and will be posted within 1-2 billing cycles. When the two $150 cash back bonuses will be posted to our Discover credit card accounts we will consider this matter resolved. Final Business Response /* (4000, 11, 2014/08/05) */ please see our response attached

8/20/2014 Problems with Product/Service
8/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Private Student Loans. My wife and I moved from **** to ******** on May 30th, 2014 and had to change banks (******** - our old bank - didn't have any branch offices in ******** where we were moving, so we had to switch to ***** I stopped automatic payments to Discover Studen Loans the 3rd week in May (around the 25th) and called and asked if we could re-instate the auto payments once we figured out our new bank account information, and they confirmed that it wouldn't be an issue. So, I called again on June 9th to give them our current information and set up automatic payments, and they confirmed the new information and said we would be good to go. Shame on me - I didnt check my account on June 21st to verify that it did go through OK, I assumed it would because I was told the new info was taken down. Well, I get a letter July 1st in the mail saying I am late on my June Payment, and now my current total is for both June AND July. So I called in again on July 4th, and AGAIN gave them our new bank account information and opted to pay over the phone. The payment was taken over the phone, and we were good to go (again). I wrote a complaint to them using their online messaging - and a letter was sent back to me saying that they DID recieve my last payment on July 4th and all was well. Now, today (July 12th) I get a phone call from Discover ONCE AGAIN saying now I owe both months AND now a late fee charge because the payment didnt come through. So I called in yet again today and investigated, and the person told me the information for the payments was taken from my old account. She asked me what my information was for my new bank, and I had HER read to ME what she had on file. She read me the NEW information, so I asked what the issue was. Apparently the 2 people I spoke to before were negligent, and now I'm being charged a late fee, and this will go against my credit. They're refusing to remove the late fee, and there is no compensation for the negligence. This is unacceptable.

Desired Settlement: DesiredSettlementID: Refund At this point, I would like a few things to happen.A) The late fee needs to be removed dollar-wise.B) The late fee needs to be removed from all documentation since this wasn't my fault - I am not accepting this going on record against my credit.C) Since they're being difficult about this, I believe the least they can do now is to give me a free month of payments. If this isn't accepted by them, I will get a lawyer involved.I'm not seeking to be difficult - I've never had late payments.

Business Response: Initial Business Response /* (1000, 13, 2014/08/07) */ attached

8/19/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I set up an agreement with discover card to have automatic payments taken from my account and after 3 months my account was to be forced current because I missed one payment due to my husband being injured and not able to work for several months. The first couple of payments went through as agreed; however the June payment was taken from the incorrect account, an account I never once authorized discover card to take automatic payments from this account because it is my student account and there are no funds in that account and I use that account for school purposes only. I sent a secure email to discover card through the account center telling them about their error and asked them to please charge the correct account and not charge the *********** account in the future. I contacted *********** and told them about this issue I was having and fortunately the reversed funds fee was refunded to me. Today I checked my discover account center again only to find they once again charged the wrong account and never did charge the correct account for the June payment. So now I am once again going to be charged a fee from *********** because there is no money in that account and discover card was made aware of this on June 3rd via the following email from me. "I have been using automatic payments for two months now, I have been on a plan trying to bring my account current since my husband was injured and on workman's compensation and I had to miss a payment. Today I got a notification from a bank account that I do not use anymore that I had insufficient funds and was charged a $35 fee from my bank because my check from Discover card bounced...which I never authorized this payment. I authorized payments from ************** Credit Union only, not ***********, which was the account that was charged. I will be disputing this charge to try to get my $35 reversed check fee refunded, but Discover card needs to fix this issue so this does not happen again in the future and charge the correct account." Account_Number: ****

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to be reimbursed for any fees that result from the July payment, as well as have discover card delete all of my *********** account information and charge only the account that I authorized them to charge. I would also like discover bank to investigate how this error occurred and take administrative action on the employee responsible for the error.

Business Response: Initial Business Response /* (1000, 8, 2014/07/17) */ attached Initial Consumer Rebuttal /* (3000, 10, 2014/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was on a repayment plan so I could skip a payment due to being unable to make a payment when my husband injured and can't work and me running out of unemployment. I was supposed to make 3 payments of $101 and my account would be brought current. The offer I was given is for the full amount and doesn't take the previous agreement into consideration. I should only owe $268 which is 3 payments minus the $35 I have to pay *********** and my account should be considered current and I do not want this to affect my credit report since it was not my mistake. I cannot afford all 3 payments plus the fee so deducting it from the principal balance instead of current amount owed will not work. My husband is still on workman's comp and I am still unemployed and I am doing the best I can to keep up with my bills as agreed. If they had taken my June 1st payment from the correct account my account would have been forced current and I would not have negative marks on my credit. Final Business Response /* (4000, 15, 2014/08/07) */ please see our response attached Final Consumer Response /* (3000, 13, 2014/07/29) */ Discover set up another automatic payment from my account without my permission for $398 and then sent me a letter saying they set it up. I have cancelled the payment and want all of my bank account deleted and when I called discover card they refused to delete my bank account information. That is my personal information and I no longer authorize discover card to have access to that information. I would like all of my bank information deleted immediately and from now on I will pay via money order.

8/18/2014 Advertising/Sales Issues
8/14/2014 Delivery Issues
8/13/2014 Advertising/Sales Issues
8/11/2014 Problems with Product/Service
8/11/2014 Advertising/Sales Issues
8/11/2014 Problems with Product/Service
8/11/2014 Delivery Issues
8/8/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Discover (Sent Certified mail)P.O. Box 6103***** ******* *** XXXXX-XXXXDiscover Card,July 7,2014Request that you provide me a statement acknowledging receipt of this payment. This payment by check #1935 for the mount of $1450.00should be credited to account *********3344 as payment in full. You are authorized to use my-check as- Electronic fund transfer frommy checking account. A statement for June which I requested July 2, 2014, still has not been received. The account is paid in full each month, (before Jul 14 billing cycle), so there are no interest charges.It is further requested that you send me payment for the amount of $55.35 for rewards that were previously earned. Your consumer servicerepresentative refused to credit these rewards to the account on June 16, 2014, and immediately closed the account.I hope you exercise good faith actions, as I have done, to expeditiously and accurately terminate this account.Sincerely,Co-Cardholder****. *********4909 ******* Dr. ************** **** XXXXXcc: Better Business Bureau of ******** W. ****** St. Ste. ********** ** XXXXX- XXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) See above

Business Response: Initial Business Response /* (1000, 8, 2014/07/29) */ Please see the attached.

8/7/2014 Problems with Product/Service
8/4/2014 Problems with Product/Service
8/4/2014 Delivery Issues
8/4/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: In reference to my Discover card, having been a loyal customer for 14 years with only 2 different accounts all the while and never having a bill unpaid. When my credit card was used fraudulently, in 2012, it took 15 months for Discover to finally do the right thing and correct the charge; however, my account balance has never been correct since and it keeps getting worse. Because of Discover taking so long to correct the fraud and making mistakes with putting the charge on an off of the account balance, I have been left with a constantly growing, mysterious previous balance and interest charges - non of which I will pay since I have paid for everything I have ever charged to the card, and I have done so on time and in full for the last 14 years. I learned today that because there has been a previous balance for so long, not only is my credit score being ruined, but when I return something, the money does not come back to me, but Discover steals it to put toward this mysterious previous balance. This means Discover card is stealing the money I am owed from returns on items, but they are taking it.I have had so much heartache and now financial personal loss that I have never experienced in my life because Discover has been negligent to make the necessary corrections. I left countless messages for the Executive Office ******************, but her hours are listed as "Typically Available" so she has, in over a year, never returned my calls. I only got a letter from her once saying she was taking off one of the interest charges, but of course it continued right after. If Discover cannot produce proof for charges listed in the previous outstanding balance accruing since this incident began in July 2012 because I pay for everything I charge in full on time all the time, then I do not know what do other than get a lawyer and see how to correct this. I want the slate put back to the way it always was before this incident occurred 2 years ago and I do not want to have to deal with this any longer.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like Discover card to either produce proof for each product in the previous balance they say is still outstanding that I have not paid for. If they cannot do this, my next statement should have no previous balance other than my current charges and no interest applicable since I pay my charges in full every month as I have for 14 years. I would like the money from returns that were taken to be returned to me. I am an honest, good person who did not deserve to have this done to me.

Business Response: Initial Business Response /* (4000, 11, 2014/07/23) */ Attached is a copy of our response to **** ******.

8/4/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Account Number# XXXXXXXXXXXX**** Discover Financial Services must delete their account from my credit report. I have sent letter certified mail number#XXXX XXXX XXXX XXXX XXXX requesting account to be delete on December 16, 2013. I need prompt response to this issue. Discover Financial Services Please have this account removed from my file because it is making it difficult for me to acquire credit. I ask that Discover Financial Services send me any and all documentation that the account has been removed.

Desired Settlement: Account Number# XXXXXXXXXXXX**** Discover Financial Services must delete their account from my credit report. I have sent letter certified mail number#XXXX XXXX XXXX XXXX XXXX requesting account to be delete on December 16, 2013. I need prompt response to this issue. Discover Financial Services Please have this account removed from my file because it is making it difficult for me to acquire credit. I ask that Discover Financial Services send me any and all documentation that the account has been removed.

Business Response: Initial Business Response /* (1000, 10, 2014/07/28) */ "Please see attached response"

8/1/2014 Problems with Product/Service
8/1/2014 Advertising/Sales Issues
7/30/2014 Advertising/Sales Issues
7/29/2014 Advertising/Sales Issues
7/28/2014 Advertising/Sales Issues
7/25/2014 Advertising/Sales Issues
7/24/2014 Billing/Collection Issues
7/24/2014 Advertising/Sales Issues
7/22/2014 Advertising/Sales Issues
7/21/2014 Advertising/Sales Issues
7/14/2014 Problems with Product/Service
7/14/2014 Guarantee/Warranty Issues
7/11/2014 Problems with Product/Service
7/11/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Starting in 2011, I set up multiple payment programs with Discover Financial for the payment of my student loans. On 3 separate instances, they pulled out only the first payment, and non of the subsequent payments, causing my loans to become delinquent. On 2 separate occasions they took multiple unauthorized payments from my parents bank account. The payment programs were set up in January, August, and November of 2011, April of 2012, and January of 2013. Throughout this time, I have talked to numerous people trying to fix these issues, and still have not been able to get this matter resolved.

Desired Settlement: The total amount of these errors is $8,130.66. I am asking that this amount be credited to my current student loan balance of $19,565.51, taking the balance down to $11,434.85. In addition, I am asking that my remaining payments be restructured into a lower fixed payment.

Business Response: Initial Business Response /* (1000, 8, 2014/06/30) */ attached

6/27/2014 Problems with Product/Service
6/23/2014 Problems with Product/Service
6/23/2014 Billing/Collection Issues
6/13/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Discover sent my amount $1700 to judgement and had an attorney's office mail me letters and send police to my door to serve papers on this amount and Saturday (May 17th, 2014) I received a promotion from Discover to apply for a credit card. They know good and well that I will be denied credit if I tried applying for a card. I feel like this is a stab in the back or a haha in my face type situation. I do not accept the fact of them saying we do not control who our mailings go to because I know they can control it. I did not contact them directly due to the on going situation but I want this on file of how they are treating me.

Desired Settlement: either some of my bill reduced or a forgiving letter of the $1700 wiped away.

Business Response: Initial Business Response /* (1000, 7, 2014/06/02) */ please see our response attached

6/9/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I Received a pre-approved application for a Discover it Credit Card, I called the Customer Service telephone number and they said I was pre-approved, I was hestitant to apply for the Card but since they said that I was pre-approved I said go ahead with the application. Then they said I was not approved, Now It goes on my credit report as an inquiry, and hurts my credit score. That is deceiving the applicant into thinking they are pre-approved when they are actually not!

Desired Settlement: DesiredSettlementID: Other (requires explanation) Discover Needs to stop sending applications for Discover Credit Cards saying they are pre- approved when they are actually not!

Business Response: Initial Business Response /* (1000, 7, 2014/05/28) */ Attached is a copy of our response to Mr. ***** for your review.

6/9/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: discover advertises no late fees on there cards but I got charged one now they will not remove it from the minimum payment only from the balance. which does not help me told them to take it off my payment to get me back to regular monthly payment I pay. I can not afford 76 dollars the only way they will even offer to take it off is to talk me into taking it out of my savings I told them I don't have that much. my other credit cards have always reduced my payment and took the late fee off without making me sign up for automatic draft or pay the whole amount first.

Desired Settlement: put my payment back to regular.

Business Response: Initial Business Response /* (1000, 5, 2014/05/28) */ please see attached

6/9/2014 Billing/Collection Issues
6/6/2014 Delivery Issues
6/6/2014 Problems with Product/Service
6/2/2014 Billing/Collection Issues
5/30/2014 Advertising/Sales Issues
5/30/2014 Advertising/Sales Issues
5/26/2014 Problems with Product/Service
5/26/2014 Billing/Collection Issues
5/23/2014 Problems with Product/Service
5/20/2014 Advertising/Sales Issues
5/19/2014 Advertising/Sales Issues
5/19/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: to whom this May concern I have been a customer of Discover card for a while but you guys refuse to set up automatic payment for my account and if that's the case I will tell all my friends and family never to do business with discover because your colleagues one especially by the name of **** was very abrupt and you guys carry-on harassing me and I have my own company as well as I work at liquor store I don't get that much sleep as well as when I'm on a personal vacation you guys still contact me.

Desired Settlement: But they insist that they need to talk to *************** and I tell him and they give very abrupt and start screaming yelling at me

Business Response: Initial Business Response /* (1000, 7, 2014/05/06) */ Please see the attached response.

5/16/2014 Advertising/Sales Issues
5/16/2014 Problems with Product/Service
5/13/2014 Advertising/Sales Issues
5/12/2014 Advertising/Sales Issues
5/12/2014 Billing/Collection Issues
5/6/2014 Problems with Product/Service
5/5/2014 Advertising/Sales Issues
5/5/2014 Problems with Product/Service
5/5/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have emailed Discover card numerous times regarding a payment made by my bank on 18 Feb 14. My bank, ******** Federal Credit Union, has confirmed that this payment was sent however it is not reflected on my Discover card account.

Desired Settlement: I should not be charged fees or interst for the period of which payment was NOT posted.

Business Response: Initial Business Response /* (1000, 7, 2014/04/01) */ See attached response. Initial Consumer Rebuttal /* (3000, 9, 2014/04/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Once again Discover is going in circles and evading the actual issue. Please note the payment history which I just took a pic of. TWO payments for $182 should be reflected. One from **** and one from ********* I keep saying this over and over again. This was my first time seeing their enclosed letter. I will check post office today. Final Business Response /* (4000, 13, 2014/04/17) */ see attached response

5/2/2014 Problems with Product/Service
4/28/2014 Delivery Issues
4/28/2014 Advertising/Sales Issues
4/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Discover card has all of this information noted in the account and I am tired of my credit being unprotected by discover.

Desired Settlement: $1800.00

Business Response: Initial Business Response /* (1000, 7, 2014/04/09) */ Please see attached.

4/21/2014 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: My complaint has to do with the Discover Card company giving a false credit score to me. I received my card with my first "monthly credit score" in the accompanying letter. The printed score was 808. I just finished meeting with my financial advisor the week prior and had a credit report with scores of 767, 773,734. I called Discover's customer svc number and asked where they got the scores from and they told me *********** I told them I doubted their information, and that just the week before ********** reported the score as 773 and how would a score jump that much in one week. I wonder if they give out fictitious scores to attract customers. have you heard of Discover Card doing this?

Desired Settlement: DesiredSettlementID: Other (requires explanation) can you look into this? I want to trust the info that I am being given every month from them.

Business Response: Initial Business Response /* (1000, 12, 2014/04/09) */ See attached response

4/18/2014 Problems with Product/Service
4/18/2014 Problems with Product/Service
4/18/2014 Advertising/Sales Issues
4/18/2014 Advertising/Sales Issues
4/18/2014 Delivery Issues
4/17/2014 Advertising/Sales Issues
4/15/2014 Advertising/Sales Issues
4/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: When I apply my discover card I used the offer link "$150 back bonus when you spend $750 within the first 3 month". I used that link to apply and spent $750 within the first 3 month, but did not see the $150 bonus even after the 4th billing cycle. I contacted the customer service and they told me the offer was not in my account although I used the link. They told me that when I apply the card I did not qualify there offer and they made a counter offer so the $150 offer was gone. However when they called me the only thing they told me was that I did not qualify the original APR offer and told me a bunch of new APRs I would get. Nobody mentioned the $150 offer gone to me. If I were told the $150 offer was not available I would have used my friend's invitation link, which would give us each $50, totaling $100.

Desired Settlement: match the offer as advertised

Business Response: Initial Business Response /* (1000, 5, 2014/04/10) */ please see attached Initial Consumer Rebuttal /* (2000, 7, 2014/04/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I called Discover this morning 2-17-14, to find out my balance on my account, only to be told the card was charged off on September 27, 2013. I was on a payment arrangement with the company where money was taken automatically monthly out of my account. I have been in constant contact monthly with Discover to make sure everything was going smoothly with my account and had relayed to them my intentions of paying the account off in February 2014. According to Discover when called and changed the amount in September 2013 from $154 to $100;in plenty enough time for the change to take place and was told so by the representative, the amount changed, but the monthly scheduled charge of $154 was returned from the Bank on September 27, 2013 (which I never received anything from my Bank of a return check),and consequently four days later my account was charged-off. Discover has records that show I had a conversation with a representative the day the card charged off, but was never given that information. Even conversations with Discover after that date never revealed that my card was charged-off. Supervisors ******* and ******* ****** could not explain why this information was not shared with me and said that charge-off could not be reversed. That the system saw that the check was returned and because of the age of the account, charged it off. This is a great injustice. I am requesting that the charge-off be reversed. My conversation with ******* ****** showed that she is not taking this matter seriously and even suggested to me that it was a benefit because I would not be charged interest. I am insulted, disappointment and hurt that has happened. My credit will suffer because of this, and they think its no big deal.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like this investigated and the charge-off reversed, removed from my credit report.

Business Response: Initial Business Response /* (1000, 10, 2014/03/03) */ "Please see attachment" Initial Consumer Rebuttal /* (3000, 12, 2014/03/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response. Your records are inadequate. The reason the payment in 2010 was returned was because I received new checks from ****** credit number with an incorrect account number on it. The error was discovered when another merchant contacted me and was correct with Vystar. I contacted you as well as the other merchants and ****** credit union sent letters to the merchants advising them of the mishap. You are correct I was on a payment plan, and payments were set up automatically to come out on the 20th of every month. I contacted Discover weeks before the 20th to lower the payment and it was granted by your management team. I was also told by your management team that there was plenty enough time to change the amount before the scheduled withdrawal. I was never advised that this account was in jeopardy or even being written-off. I even advised your company and requested that they place in the notes my intentions to pay it off in February 2014. This is Not a valid write-off. Your management team insinuated that this was in my "Best Interest", because of no interest. This is an insult. Would You or They want the same for themselves? I think not. I had been in contact with your company every month, making sure everything was in order and coming out of my account as scheduled. I do not agree with your decision and am requesting that the write-off be reversed. I am not asking for any special treatment, only to be treated Fairly! Final Business Response /* (4000, 22, 2014/04/10) */ "Please see attached" Final Consumer Response /* (4200, 16, 2014/03/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not correct. How can this company write off the account when they dont even have the correct balance. The balance on the account is $1,761.86, NOT $2,660.18. Discover has and continues to receive automated deductions on this account. I have been in contact with my representative ***** ***** on a regular basis, including keeping up with the balance and trying to prevent something like this from happening. This is not fair and I have no respect for a company that would do this to a customer. I have made every effort to pay this account off. I do not accept the decision that was made on this account.

4/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Dated 3 17 2013 ****** ******* **** ********* ST *** ********* ** XXXXX XXX-XXX-XXXX SS ending **** WIFE ***** M ******* **** SS ending ******** IS REPORTING ON CREDIT BUREAU MY OLD ADDRESS *** ******* ST **** ****** ** XXXXX Bk case chapter 7 Case number XX-XXXXX-mkn Filed AUGUST 9 2009 discharged 11/19/2009 Attention ****** in the discover bk dept. ****** and ***** m ******* filed chapter 7 bk AND INCLUDED ALL ARE PERSONAL DISCOVER CREDIT CARDS AND ALL ARE BUSINESS CREDIT CARDS . IN CHAPTER 7 BK IN AUGUST 9 2009. As of 3 2013 On ****** ******* discover tell ******** we never filed bk on are discover cards. That is a lie . We put every debt in bk . We never reaffirmed no debt with Dfs at all. I went to a job interview. I was refused employment because on my credit bureau from discover card it shows account charged off. And a balance owe ing 4622$ APROX. This is wrong and must be fixed. It must STAYE debt zero due. Amount included in chapter 7 BK. I HAVE BEEN WORKING ON THIS DISPUTE WITH ******** CREDIT REPORT. ********* and discover refuse since 2011 since I STARTED THE DISPUTE WITH ******** WONT PUT THE CORRECT INFO. BECAUSE THEY SAID THEY VERIFIED IT WITH DFS AND YOUR COMPANY SAYS IM IN COLLECTION CHARGED OFF AND OWE APROX $ 4622$. Under FEDERAL LAWS EVER USA CITIZEN HAS A RIGHT TO HAVE THEIR CREDIT REPORTS TO BE ACCURATE. AND IF NOT FIXED CORRECTLY BY DFS. AND ******** . I WILL PURSUE LAWSUITS WITH DFS. AND ******** CREDIT SERVICES. I WANT MY CREDIT TO BE THE TRUTH. AND THE TRUTH IS ALL ARE DISCOVER BILLS WERE INCLUDEDIN CHAPTER 7 BK. YOU EVEN TRIED DFS THE BS TO 1099 ME THE DEBTS DISCHARGED IN CHAPTER 7 GAVE ME 1099 FOR THE DEBTS INCLUDED IN BK THAT IS ILLEGAL. I HAD TO FIGHT WITH THE IRS ON THAT BS YOU DID THAT MESS IN 2011 .2 YEARS WITH DEBTS INCLUDED IN BK. YOU PEOPLE ARE RUDE DO NOT FOLLOW FEDERAL LAWS.ON NOTHING. I WANT THIS FIXED ASAP. I WILL BE CHECKING MY 3 REPORTS TO MAKE SURE ALL MINE AND MY WIFES ACCOUNTS. I SENT CERTIFIED MAIL TO DISCOVER FS .AND ******** CREDIT ***********. ******** HAS NOTES. AND THEY SAID YOU DFS SAID THE ACCOUNT WAS IN COLLECTION PAST DUE AND I STILL OWE ABOUT $4622. This IS BS, YOU CANT GO AFTER A PERSON WHEN A DEBT WAS INCLUDED. CHAPTER 7 DFS YOU COST ME A JOB. BECAUSE THE DFS ENCLOSED SEE A RECENT CREDIT REPORT .IT STATES I OWE 4622$ and ACC PUT IN COLLECTION PAST DUE. YOU AND ******** NEED TO FIX THIS ACC AND STATE BALANCE OWEING IS ZERO. DEBT WAS INCLUDED IN CHAPTER 7 BK. IM NEVER GOING PAY DISCOVER A PENNY ON ANY DEBT INCLUDED IN CHAPTER 7 bk ****** AND ***** M ******* CC ************ ATTORNEY AT LAW!! And CC ******** , **********, and ******** credit bureaus!! If not fixed I promise to DFS and ******** . I will find gov agencies , courts and lawsuits to fix this mess.NOBODY WANTS THEIR CREDIT FILES WRONG. AND EVERY PERSON WORKING AT DFS, AND ******** WOULD NOT WANT WRONG INFO ON THEIR CREDIT FILES. ITS BAD ENOUGH YOU FILE CHAPTER 7 TO GET A FRESH START. THEN WRON CREDIT INFO, CANT REBUILD YOUR CREDIT PAY HIGHER CAR INS HOME INS. CANT GET A JOB. BECAUSE IDIOTS DO NOT CARE WHO THEY HURT. AND ANY USA CITIZEN COULD GET SICK AND HAVE TO FILE BK. THE 10 YEAR PUNISHMENT ON THE REPORTING OF THE BK IS ENOUGH. I WANT IT FIXED ASAP. ****** AND ***** M ******* SEE BELOW!! Table of Contents ******** CREDIT I COULD NOT FAX 47 PAGES DFS THIS CREDIT WAS RUN ON X XX XXXX See the ACC below being reported wrong by DFS !! Personal Information Report Summary Bankruptcy & Court Judgments Credit Inquiries Credit Cards, Loans & Other Debt Credit Score Next Steps 5: Credit Cards, Loans & Other Debt Here you will find specific information on each account you opened, including current status and any past due information. Creditor contact information has been provided in order to make it easier for you to resolve any issues. Remember, positive credit information remains on your credit report indefinitely. Sort By **********************Potentially Negative Closed XXX-XXX-XXXX More

Desired Settlement: Fix my reports acuuately !! Dated 3 17 2013 ****** ******* **** ********* ST *** ********* ** XXXXX XXX-XXX-XXXX SS ending **** WIFE ***** M ******* **** SS ending ******** IS REPORTING ON CREDIT BUREAU MY OLD ADDRESS *** ******* ST **** ****** ** XXXXX Bk case chapter 7 Case number XX-XXXXX-mkn Filed AUGUST X XXXX discharged 11/19/2009 Attention ****** in the discover bk dept. ****** and ***** m ******* filed chapter 7 bk AND INCLUDED ALL ARE PERSONAL DISCOVER CREDIT CARDS AND ALL ARE BUSINESS CREDIT CARDS . IN CHAPTER 7 BK IN AUGUST X XXXX. As of X XXXX On ****** ******* discover tell ******** we never filed bk on are discover cards. That is a lie . We put every debt in bk . We never reaffirmed no debt with Dfs at all. I went to a job interview. I was refused employment because on my credit bureau from discover card it shows account charged off. And a balance owe ing 4622$ APROX. This is wrong and must be fixed. It must STAYE debt zero due. Amount included in chapter 7 BK. I HAVE BEEN WORKING ON THIS DISPUTE WITH ******** CREDIT REPORT. ********, and discover refuse since 2011 since I STARTED THE DISPUTE WITH ******** WONT PUT THE CORRECT INFO. BECAUSE THEY SAID THEY VERIFIED IT WITH DFS AND YOUR COMPANY SAYS IM IN COLLECTION CHARGED OFF AND OWE APROX $ 4622$. Under FEDERAL LAWS EVER USA CITIZEN HAS A RIGHT TO HAVE THEIR CREDIT REPORTS TO BE ACCURATE. AND IF NOT FIXED CORRECTLY BY DFS. AND ******** . I WILL PURSUE LAWSUITS WITH DFS. AND ******** CREDIT SERVICES. I WANT MY CREDIT TO BE THE TRUTH. AND THE TRUTH IS ALL ARE DISCOVER BILLS WERE INCLUDEDIN CHAPTER 7 BK. YOU EVEN TRIED DFS THE BS TO 1099 ME THE DEBTS DISCHARGED IN CHAPTER 7 GAVE ME 1099 FOR THE DEBTS INCLUDED IN BK THAT IS ILLEGAL. I HAD TO FIGHT WITH THE IRS ON THAT BS YOU DID THAT MESS IN 2011 .2 YEARS WITH DEBTS INCLUDED IN BK. YOU PEOPLE ARE RUDE DO NOT FOLLOW FEDERAL LAWS.ON NOTHING. I WANT THIS FIXED ASAP. I WILL BE CHECKING MY 3 REPORTS TO MAKE SURE ALL MINE AND MY WIFES ACCOUNTS. I SENT CERTIFIED MAIL TO DISCOVER FS .AND ******** CREDIT ***********. ******** HAS NOTES. AND THEY SAID YOU DFS SAID THE ACCOUNT WAS IN COLLECTION PAST DUE AND I STILL OWE ABOUT $4622. This IS BS, YOU CANT GO AFTER A PERSON WHEN A DEBT WAS INCLUDED. CHAPTER 7 DFS YOU COST ME A JOB. BECAUSE THE DFS ENCLOSED SEE A RECENT CREDIT REPORT .IT STATES I OWE 4622$ and ACC PUT IN COLLECTION PAST DUE. YOU AND ******** NEED TO FIX THIS ACC AND STATE BALANCE OWEING IS ZERO. DEBT WAS INCLUDED IN CHAPTER 7 BK. IM NEVER GOING PAY DISCOVER A PENNY ON ANY DEBT INCLUDED IN CHAPTER 7 bk ****** AND ***** M ******* CC ************ ATTORNEY AT LAW!! And CC ******** , **********, and ******** credit bureaus!! If not fixed I promise to DFS and ******** . I will find gov agencies , courts and lawsuits to fix this mess.NOBODY WANTS THEIR CREDIT FILES WRONG. AND EVERY PERSON WORKING AT DFS, AND ******** WOULD NOT WANT WRONG INFO ON THEIR CREDIT FILES. ITS BAD ENOUGH YOU FILE CHAPTER 7 TO GET A FRESH START. THEN WRON CREDIT INFO, CANT REBUILD YOUR CREDIT PAY HIGHER CAR INS HOME INS. CANT GET A JOB. BECAUSE IDIOTS DO NOT CARE WHO THEY HURT. AND ANY USA CITIZEN COULD GET SICK AND HAVE TO FILE BK. THE 10 YEAR PUNISHMENT ON THE REPORTING OF THE BK IS ENOUGH. I WANT IT FIXED ASAP. ****** AND ***** M ******* SEE BELOW!! Table of Contents ******** CREDIT I COULD NOT FAX 47 PAGES DFS THIS CREDIT WAS RUN ON X XX XXXX See the ACC below being reported wrong by DFS !! Personal Information Report Summary Bankruptcy & Court Judgments Credit Inquiries Credit Cards, Loans & Other Debt Credit Score Next Steps 5: Credit Cards, Loans & Other Debt Here you will find specific information on each account you opened, including current status and any past due information. Creditor contact information has been provided in order to make it easier for you to resolve any issues. Remember, positive credit information remains on your credit report indefinitely.

Business Response: Initial Business Response /* (1000, 7, 2014/04/03) */ Attached is a copy of our response to Mr. ******* for your review.

4/9/2014 Advertising/Sales Issues
4/7/2014 Advertising/Sales Issues
4/4/2014 Advertising/Sales Issues
3/31/2014 Advertising/Sales Issues
3/25/2014 Advertising/Sales Issues
3/25/2014 Problems with Product/Service
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3/24/2014 Advertising/Sales Issues
3/24/2014 Advertising/Sales Issues
3/24/2014 Problems with Product/Service
3/21/2014 Problems with Product/Service
3/20/2014 Delivery Issues
3/19/2014 Problems with Product/Service | Read Complaint Details
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Complaint: I was continuously charged for these interest charge, $36.15 for period Dec 5 2013 - Jan 4 2014; $21.33 for period May 5 2013 - Jun 4 2013; $22.67 for period Apr 5 2013 - May 4 2013; $23.65 for period Mar 5 2013 - Apr 4 2013; $9.04 for period Feb 5 2013 - Mar 4 2013; and I was charged for late fee $14.14 on Nov 1 2013 as well. So the total charge is $126.98. Currently I have paid all the balance including these charges and fees, but believe I should get these charges and fees refunded. The reasons are, I have been in the extremely busy schedule through 2013 and managed several credit cards, and have not been clearly aware of any notification or reminder of the payment from Discover. I would have been paid in full or on time if I was clearly reminded and educated through Discover customer service for any payment related policy. So I would request the refund of total $126.98.

Desired Settlement: I am seeking the refund of total $126.98 to my discover account.

Business Response: Initial Business Response /* (1000, 7, 2014/03/13) */ Attached is a copy of our response to Jianwei Gu for your review. Final Consumer Response /* (2000, 9, 2014/03/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am ok with the response, with some amount of refunding which is reasonable approach to satisfy the loyal customer.

3/18/2014 Advertising/Sales Issues
3/17/2014 Delivery Issues
3/14/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I took private student loans out to pay for college expenses. I orginially took my loans out with ******** and at some point they sold them to Discover. When it came time for me to repay my loans I received a letter in the mail which stated that the re-payments for the loans was about to start. I had to call to find out how much my loans were going to be, which they told me was about $900 a month. I called a few times, as did my mother who was the co-signer on my loans to discuss repayment options that were available to me. I had spoken to a number of different "student loan specialists" and most of them said the same thing, that the actual amount due for my loans (all 5 of them) was $ 729 each month. I had asked them to send me that in writing, and asked numerous times, are you sure this is for all five of my loans? And the three people I spoke to all agreed. I then started to make payments as the letter stated and what I had been told a number of times over the phone. It took about 6 months of constant calling and arguing with the "specialists" and they finally said I had to pay the full amount, or they would declaure my loans in default. I even had to get a supervisor to help, who wasn't very helpful, he promised he would change the loan amount and make it $729 but then said he was unable to make the adjustment, and that if i did not pay the amount due my loans woul be in default. I also had to call him and leave him a message almost everyday and he only returned my calls 3 or 4 times.

Desired Settlement: DesiredSettlementID: Refund I think I should be issued a refund and my payment should be lowered and Discover should make this right. I was told, and have a letter in writing that my payments would be $ 729 each month. I think that is what I should be paying. How is that three different specialists were able to say that I should be paying 729, and then others from Discover are saying $900.00.

Business Response: Initial Business Response /* (1000, 12, 2014/02/14) */ Attached Final Consumer Response /* (4200, 20, 2014/03/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I still do not believe that a $1,600 credit is appropriate. I have been fighting with Discover regarding this issue for well over a year now. They only issued me a credit when I brought my problem to you. I had asked numerous times to talk to Managers and when I finally spoke to one he told me he would work with his supervisor to get the loan 24 forgiven, or whatever it was that he had to do in order to make my payment the 729.73. I don't understand why he was able to tell me that, but now they say they cannot offer that. I have spent so much of my time on the phone with Discover trying to get this resolved, way more than $1,600 worth. I don't understand why there are a few employees who have told me that my loan payment should be $729.73 a month and then others that say no it should be almost $900.00. I also spoke to *****, on February 14th and she said should would send me an amortization schedule for all of my loans and I have still not received that. They never sent me a welcome letter like they stated in one of their responses. I received a letter a few weeks before my payment was due that said I should be paying Discover. I had to contact them and ask them how much my payment would be; they never reached out to me and provided me that information. I think they have horrible customer service and hire people and do not properly train them. Also, every time I called I reached a different "Student Loan Specialist" and when I asked for the one I spoke to last they said they weren't available and I had to explain my entire situation which took about 5 minutes, and then they said they wanted to read the notes and put me on hold for over 5 minutes. Final Business Response /* (4000, 22, 2014/03/14) */ Attached

3/13/2014 Problems with Product/Service
3/10/2014 Advertising/Sales Issues
3/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Fraudulelent activity that took place on my account with Discover. Was triggered from my finding of fraud on other accounts of mine in a similar timeframe as when I had my discover card. As soon as I knew fraud was a consideration I asked for everyone of my statements for review. As soon as I had my answer, I contacted Discover and alerted them of the fraud. I asked for the statements and it took 6 weeks to receive from first asking. From there I alerted them of the fraud in early November and have yet to hear from them and this included emailing and talking to someone in the headquarter office. ------------------------------------------------ 2-6-14 additional info from consumer: I have a letter from Discover saying they find the charges to be fraudulant and not mine. Yet they still haven't credited my account. Please advise

Desired Settlement: I want the fraud transactions reversed, and credited to my account as detailed in your 0 liability guarantee. I also want the interest I paid erroneously while saddled with these fraud transactions.

Business Response: Initial Business Response /* (1000, 7, 2014/02/06) */ see attached response Final Consumer Response /* (4200, 15, 2014/02/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Via telephone call and written correspondence, discover acknowledged to me these charges were deemed unauthorized by me. Also please provide phone records showing you called my phone number at (XXX) XXX-XXXX as you indicated you did in the last letter. I went through my phone records and have nothing from discover. These charges are unauthorized by me and I will consult an attorney if the charges and back interest aren't returned. Final Business Response /* (4000, 17, 2014/03/07) */ Please see attached

3/10/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Purchased item at *****.com. Price went lower ~1 week later. Called Discover Card to take advantage of Price Protection benefit. Was told I would receive a form to fill out in the mail. Initial call was on 2/3/14, and still have not received a form. Have called 2 more times to resolve issue.

Desired Settlement: Refund of Price Difference on *****.com purchase of $100

Business Response: Initial Business Response /* (1000, 7, 2014/02/26) */ "Please see attached response"

3/7/2014 Advertising/Sales Issues
3/4/2014 Advertising/Sales Issues
3/3/2014 Advertising/Sales Issues
3/3/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: I had massive stroke and unable to work due to disabilities. Contacted credit card & asked for payment arrangements. They refused and are charging late payment fees each month and harassing me with incessant telephone calls. Account_Number: *****************

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want all the late payment fees removed and a payment arrangement made that I can afford. I want to pay my debt but do not want to be harassed!

Business Response: Initial Business Response /* (1000, 7, 2014/02/18) */ please see our response attached

2/24/2014 Problems with Product/Service | Read Complaint Details
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Complaint: On Jan 12, I used my cash back to order a ********* Gift Card via Discover Cash Back Partner Gift Cards Program(order number is XXXXXXXXXXXX). It was supposed to arrive within 7-10 business days. However, when I reached out to Discover after 10 business days(Jan 26th), I was all of a sudden told that I needed to wait for 3 weeks - this was never conveyed to me when I placed my order. Then I waited for 3 weeks but the card was never delivered to me within promised time.

Desired Settlement: Redeliver ********* gift card and make sure its arrival within a week. $50 Cash Back as compensation for delay.

Business Response: Initial Business Response /* (1000, 5, 2014/02/12) */ please see attached Final Consumer Response /* (2000, 7, 2014/02/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)

2/24/2014 Problems with Product/Service
2/24/2014 Billing/Collection Issues
2/21/2014 Problems with Product/Service
2/21/2014 Problems with Product/Service
2/21/2014 Advertising/Sales Issues
2/18/2014 Advertising/Sales Issues
2/17/2014 Advertising/Sales Issues
2/17/2014 Delivery Issues
2/17/2014 Advertising/Sales Issues
2/17/2014 Advertising/Sales Issues
2/14/2014 Advertising/Sales Issues
2/14/2014 Advertising/Sales Issues
2/14/2014 Delivery Issues | Read Complaint Details
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Complaint: I am writing, as I received a letter in the mail from Discover home loans. I attached this letter for review. I called and went through Step 1 of the letter and they said they would be sending me a 5.00 gift card as promised per the letter. I asked several times and even emailed the company as to wanting to complete Step 2 and to receive another 10.00 gift card. I was given the run around and my questions were not answered. I tried several times to complete this.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the 5.00 gift card that they said they would send for completing step 1 and I would also like the 10.00 gift card that they said I could get for step 2 completion, which I tried several times to do-- for a total of 15.00 in gift cards. I also have a copy of the original letter that was mailed to me, if needed.

Business Response: Initial Business Response /* (1000, 5, 2013/12/27) */ Attached is a copy of our response to Ms. ****** for your review. Final Consumer Response /* (3001, 13, 2014/01/20) */ I still have not received the 10.00 gift card. Final Business Response /* (4000, 17, 2014/02/03) */ Attached is a copy of our response to Ms. ****** for your review.

2/12/2014 Advertising/Sales Issues
2/12/2014 Advertising/Sales Issues
2/10/2014 Advertising/Sales Issues
2/10/2014 Advertising/Sales Issues
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2/3/2014 Advertising/Sales Issues
2/3/2014 Delivery Issues
2/3/2014 Billing/Collection Issues
1/28/2014 Advertising/Sales Issues
1/27/2014 Delivery Issues
1/27/2014 Advertising/Sales Issues
1/27/2014 Advertising/Sales Issues
1/23/2014 Problems with Product/Service | Read Complaint Details
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Complaint: THIS IS A COPY OF THE EMAIL I SENT TO THEM AND HAD NO REPLY AFTER THE CUSTOMER SERVICE REPRESENTATIVES HUNG UP ON ME: Mr. Mendelson: My name is *** ******** - username ******** - I have had a credit card account with Discover since 2004 (going on 10 years - as a loyal customer). I am writing to you due to my EXTREME disappointment in your Shop Discover program. I recently purchased a new home and was in need of some major purchases, so I increased my credit limit to $5,000 and made $4,297.98 worth of online purchases (between 11/29/13 and 12/18/13) using my Discover card which was 100% due to the fact that you have a Shop Discover program, and offer a percentage back for online purchases. The program (at the time) was offering 10% back at ***** and **** ****** and 5% back at ******** I made the following ONLINE purchases USING THE SHOP DISCOVER PORTAL: 1) $2,379.85 - ************* - 11/29/13 2) $247.68 - ************* - 12/2/13 3) $650.63 - ************* - 12/2/13 4) $814.52 - ********* - 12/2/13 5) $205.30 - *********** - 12/18/13 As of today, I have been paid EXACTLY $9.45 in Shop Discover rewards, which was credited on the *********** purchase. This is unacceptable. I have spoken to some of your representatives, and so called "supervisors" who tell me that there is nothing they can do because the retailer is responsible for these payments. Well - that is absolutely not the correct way to treat a customer - in my opinion, you do not "pass *** buck" of responsibility onto the retailer and hang up on me. The words "there is nothing we can do" should not be in a customer service representative's vocabulary - especially when the obvious line of logic is on the side of the customer. It is your advertisement, your service, your responsibility. Please do not respond to this email with "it takes 6-8 weeks for the cashback to be credited." I made the ******* purchase on 12/18 and received an email on 12/22 saying that I will be getting the rewards. Why would it take 6-8 weeks for **** ***** and ***** and not ******** It seems very simple - you advertised on your site to use the shop discover program and you will give cash back. I did exactly as the site instructed and didn't use any other promotional codes or anything like that, and made my purchases exactly as your site indicated - yet still - no cash back on 4 of the 5 purchases. I am writing to let you know that I am making formal complaint to the better business bureau of Chicago and Northern Illinois unless this situation is rectified immediately. And of course, you will be losing a 10 year customer, along with all of my friends and family that I can convince to drop your services as well (which I am sure will not be a difficult task after I explain how you treat your customers). You can contact me at XXX-XXX-XXXX or ********@gmail.com to discuss.

Desired Settlement: I want what I was promised from Shop Discover - 10% back on my purchases from**********.com and *****.com.

Business Response: Initial Business Response /* (1000, 7, 2014/01/22) */ Please see attached. Final Consumer Response /* (2000, 10, 2014/01/23) */

1/20/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I had a merchant charge me $998 instead of $9.98 which I authorized in July. I realized the charge was incorrect, I contacted Discover to prevent the charge. Representative I spoke to, said I couldn't dispute it until it's cleared then I would get a refund after disputing charge. After disputing the charge, my account was credited, then debited again after a brief investigation. I provided additional information, and Discover still refused to provide me with a refund. After series of back and forth, I finally got my account corrected, then there were two additional charges of $998, after disputing charges I was provided with one credit of $998, still need another credit to get my account straight. Product_Or_Service: Sell My Timeshare Now

Desired Settlement: DesiredSettlementID: Other (requires explanation) Refund of $998, charged to my account for no reason.

Business Response: Initial Business Response /* (1000, 7, 2014/01/07) */ Please see attached.

1/20/2014 Advertising/Sales Issues
1/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have changed bank accounts twice with this company when nothing was wrong, and they still insist that the accounts are frozen when they are not. I recently agreed to do five payments of 124.00 a month with Discover that would start on the 28th of December 2013. I recently discovered that they did not take the money out of my account that I had at the time and I messaged them several times and every time they told me that the payment went through just fine. Well, I got on the site a couple of days ago, and I find out that money had been returned. I spoke to a CSR by the name of ******* who told me that the account I gave them had been frozen. I used the same account I gave them to pay another credit card bill just four days prior to them having rejected my payment. I insisted that the account was not frozen like she was saying that it was, but she just flat out refused to help me any further. I recently changed to another account and went to the website to schedule an online payment. I checked the website this morning, and saw that it is saying the payment was recieved, but when I checked my account balance at my new bank, the money is still sitting there with no mention of Discover having taken any money from it. I am getting concerned that something is wrong on their end because I pay my bills just fine with the account I have now, and they are keeping me from bringing my account current. I am trying to make payments to them, but they are not accepting them at all it seems.

Desired Settlement: I am not asking for a refund at all. I don't mind paying the monthly payments that I have agreed to. All that I am asking is that they accept the payments that I make to them from the accounts that I give them, and not say that they cannot accept the payment method that I have given them through an account.

Business Response: Final Consumer Response /* (450, 10, 2014/01/09) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: I found out today that the company accepted my new account with them and that I don't need to have this complaint open any further. They have resolved all issues that I had and there is nothing wrong. Business Response /* (4000, 16, 2014/01/17) */ ***** ******** *** ******** Avenue *********** ** XXXXX January 16, 2014 Re: Discover® card account ending in **** BBB Case number: XXXXXXXX Dear Ms. ********: Thank you for your recent correspondence dated January 9, 2014 to the Better Business Bureau. To ensure your concern is handled with priority, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at Discover®. Please allow me to take this opportunity to address your concern. I regret any inconvenience that you may have experienced regarding the occurrences of returned payments on your account. On December 16, 2013 you agreed to a payment arrangement of four $124.00 payments beginning with the first payment to be withdrawn on December 28, 2013 and the remaining three payments withdrawn on the 28th of each month from January 2014 through March 2014. Upon completion of this payment arrangement you agreed to automatic payments for the monthly Minimum Payment Due. . On January 3, 2014 the payment of $124.00 processed on December 28, 2013 was returned from your bank unpaid indicating the account was frozen and we sent you notification via e-mail. On January 4, 2014 during a chat session with one of our online Customer Service representatives you explained the funds should be available. The representative you were communicating with advised you to contact your bank to determine why the payment was returned. Subsequently on January 6, 2014 you accessed your account online and changed your bank account information from ******** to ***** *** Bank. In addition, you scheduled a $124.00 payment to be withdrawn on January 7, 2014. This payment was processed as scheduled and as of the date of this letter has not been returned. You also called us on January 6, 2014 and informed us of the bank institution change and we updated your existing payment arrangement to reflect the new banking information. Our records indicate since January 2013 there have been several instances of returned payments on your account with most of them being returned due to non-sufficient funds. I have enclosed the last twelve months of billing statements that reflect returned payments for your review. When we receive a returned payment from your banking institution due to non-sufficient funds we will resubmit the payment up to two more times. After the third attempt at processing the payment, if it is returned again, the payment is reversed and is reflected as such on your billing statement. If the reason for the returned payment is a closed or frozen account, which have both occurred on your account, the payment is not resubmitted and is immediately reversed on your account. I have confirmed that we have processed all the payments you have submitted to the bank accounts you have identified. However, they have been returned to us by your banking institution(s) unpaid. If you have additional concerns regarding the returns of the payments, please contact your banking institution(s) regarding the reason why the payments were returned unpaid. I trust the information I have provided is helpful and I thank you for the opportunity to be of service. If you have any questions regarding this matter, please feel free to contact me at(XXX) XXX-XXXX, weekdays from 8:00 a.m. to 5:00 p.m. EST. Sincerely, *** ************** Executive Office of Customer Advocacy Discover Enclosure: Copies of billing statements from December 2013 through December 2014 cc: Better Business Bureau This is an attempt to collect a debt and any information obtained may be used for this purpose

1/14/2014 Delivery Issues | Read Complaint Details
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Complaint: I work as a Care Giver for elderly people, mainly ladies. I work part time. I get 20 hours and less. I try to make my minimum payment, but I can't, when I can't, they add more fees and taxes, which makes it harder to pay. I make what I can.My credit is messed up anyway, so I ask that they will charge off my closed out discover card, which I am trying to pay down with what I can pay. I have other bills to pay as well. I split what I get paid to all the bills, even things I need, like food, and food for my dog. I have no kids, unfortunately.

Desired Settlement: DesiredSettlementID: Other (requires explanation) To charge off my closed out discover card, which my credit is no good anyway.

Business Response: Initial Business Response /* (1000, 9, 2014/01/03) */ "see attached"

1/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have made numerous disputes against charges on my account I have made disputes on these charges.. 7/24/13 **** **************.com for $17.00 7/24/13 **** **************.com for $17.00 5/13/13 **********.com for $18.00 7/24/13 **** ************** for $9.99 7/24/13 **** ************** for $17.00 6/5/13 google ************-cc@google.comca for 70.00 6/5/13 google ************-cc@google.comca for 72.00

Desired Settlement: I just want to be refunded for these charges that I did not mad Me or were not justified...enterprise said that they were going to charge me $18 for a bill I would receive from LA tolls...but I never received a bill...so they cannot charge me for a bill I did not receive. The other charges were not charged by me.

Business Response: Initial Business Response /* (1000, 12, 2013/12/30) */ "see attachment"

1/8/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I used my Discover Card (XXXXXXXXXXXXXXXX) for a $649 purchase of a text email press release from ******* Group for the purpose of generating responses. ******* group never sent text emails. They instead sent HTML emails with pictures that in what they claim was 2400 sends generated not even one response (not even one by mistake). Their representative attributed the lack of responses to the picture embedded in the HTML and attached to the emails tripping spam filters. The email never successfully went to my account... it did go to my spam. I protested the charge with Discover Card, showing documentation (the contract) of the purchase and the product (the email with the picture that proves the service was not performed). During the investigation, both Discover and the CEO of ******* Group agreed that the contract had not been fulfilled (in the Discover Card recorded words from the CEO "the contract that they provided was out of date"). In spite of no one contesting the fact that the service was never provided and that I received no responses (the only purpose and item I valued in the transaction), Discover Card is saying I must still pay because ******* Group did other work. ******* Group is saying that they should be able to charge me for email lists they purchased and the writing of the press release they failed to send even those these are worthless to me and the contract does not obligate me to any payment for these items. By way of analogy, I ordered a boat, the merchant threw a bunch of car parts on my driveway and said that I owe them the value because I could build part of a boat with them. The more disturbing issue is the Discover Card response. I did not authorize ******* Group to charge me for anything but this text based email press release. They are clearly charging me for something else that is totally worthless to me... an unauthorized charge. Yet, Discover Card is saying that I still have to pay because the Merchant did provide something and the Merchant did not agree to give back my money. The Merchant knows they screwed up, because they did offer an embarassingly low partial refund (again claiming value for piece parts that are worthless to me). This cannot be how the credit card industry works... if I sell someone I book and then provide them with a salt shaker, the refund cannot be contingent upon my agreement to give the money back. That is ridiculous and if that is the current protocol at discover card then there needs to be a much larger scale investigation for how many consumers have been impacted by this. I didn't get the service I paid for. I didn't authorize any other charges. I want my money back and I don't want any more nonsense.

Desired Settlement: $649 and confirmation that merchants cannot sell one thing, agree they have not delivered it, then charge for something else that the customer didn't want.

Business Response: Initial Business Response /* (1000, 7, 2013/12/20) */ Attached is a copy of our response to Mr. ********** for your review. Final Consumer Response /* (3000, 9, 2013/12/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) The response contains false elements. The primary being "In addition, the merchant also provided a copy of the media release that had been approved by you prior to the press release being emailed which included a picture within the text body of the email." The email distribution was always to be text only. They never provided me with anything showing or claiming it would be HTML with pictures (which is what they actually did). I was the one who submitted the copy of the html with pictures as evidence they did not do what I authorized them to charge my card for. While the contract does not guarantee results it does imply some level of functionality. Cars are not guaranteed to last for 100,000 miles but they are expected to make it off the lot. The contract does not provide my authorization for partial, incomplete or different work from that in the contract. Discover is still saying that they are allowing a merchant to charge my card for something that I did not authorize. I tried to call Ms. ****** back multiple times but did not get a return call. Credit card companies cannot function this way if consumers are to have any confidence what-so-ever. This is a wholly unacceptable way to do business. Final Business Response /* (4000, 13, 2014/01/03) */ Attached is a copy of our response to Mr. ********** for your review.

1/8/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My letter to the Executive Committee at Discover: I am writing to you as my absolute last resort hoping you will read my letter and assist or provide me guidance with a very saddening dispute that I have been experiencing with Discover. I am attaching all communications I've had with your customer service regarding this matter for your review. I sincerely thank you in advance for your help and understanding. As you will see from my numerous correspondences with Discover, I have had an absolutely horrendous experience with a merchant who thinks it's acceptable to make fraudulent charges against a consumer. This, to me, is absolutely unfathomable and unethical and I have disputed these charges with documented proof to your team; however, I've been told that these charges stand and I am responsible for them. I understand charges and I would be more than happy to pay someone for their services and time, but only if it was performed under legal, legitimate and ethical circumstances. Because it was not, I am still refuting these charges and hope you can assist and shed some understanding into my situation. Long story short, I am being charged by ****** Auto Repairs for services that have been deemed unnecessary. The owner of this business, Mr. ********** is asking that I pay him $1,723.72 in service "repairs" and for labor work. For weeks and weeks on, the situation with my car has not only been not resolved, but I was forced to take my car to a different mechanic who was able to not only diagnose the problem with my car, but also determine that the original "repairs" provided by ****** Auto Repairs were NOT necessary. Attached are all documents. I honestly and consciously do not believe that I owe ****** Auto Repairs any money since his charges were clearly deemed not necessary. He wasted my valuable time and did more damage to my car above anything else!! However, your Discover team has sided with him and against me, your consumer. As I said previously, I ask for your help in rectifying and resolving these ambiguous charges. Please do let me know what can be done. I am emailing this letter to you directly followed by a hard copy being sent to your business address. ------------------------------------------------- I have numerous documentation that I would like to provide regarding this complaint. If you can provide me with the proper email address, I will be more than happy to forward them as PDF attachments. Thank you. ------------------------------------------------- Re: BBB Complaint Case#********(Ref#XX-XXXXXXX-XXXXXXXX-X-XXX) 1 message **** ** ******* <**************@gmail.com> Mon, Nov 18, 2013 at 10:19 AM To: *******@chicago.bbb.org Cc: **** ******* <*********@aol.com> Dear Ms. ******* ******* Thank you for your prompt reply to my business complaint. I am also attaching my entire thread of documentation as a single PDF regarding this complaint. Can you please add it to my case? Best, **** ******* ************

Desired Settlement: I wish that Discover Financial Services not charge me for the ambiguous and unethical charges submitted by ****** Auto Repairs, Inc. I have been in consistent communication with Discover who has considered my case "closed" and has sided with the merchant and is requesting money that is not owed to ****** Auto Repairs. Discover is not willing to discuss the matter any further since they have "closed" the dispute.

Business Response: Initial Business Response /* (1000, 9, 2013/12/09) */ "see attached response" Final Consumer Response /* (3000, 19, 2013/12/24) */ ATTN: Ms. **** ***** (from ***** *******) 4 messages Mete H. ******* <**************@gmail.com> Mon, Dec 23, 2013 at 8:00 PM To: ****************@discover.com Cc: ********* *******" <*******@chicago.bbb.org>, info@consumerfinance.gov, **** ******* <*********@aol.com> Dear Ms. ****** I have been in correspondence with a number of Discover associates and with Ms. *** *************** as of recently. I have had an ongoing dispute with Discover since July and after forwarding and submitting numerous documents repeatedly, I am told that the fraudulent charges imposed by ****** Auto Repair, Inc. stands. I do not accept this. Rather than submit to you everything from the beginning, I kindly ask that you take a look at my account and the endless letters and documents I've provided to your office(s). It's a very upsetting circumstance that has happened to me and I take this matter very seriously. My son, **** *******, who has been a great help, is now also taking this to various social media networks, including ********* I please ask that you look through all of my documents and realize that ****** Auto Repair is nothing but an unethical business and the owner, Mr. ********** is nothing but a crook himself. He has provided to me nothing but a big mess which I am amicably trying to resolve with you. Please let me know if you require any additional information from me. I am more than happy to speak with you via telephone as well. If possible, I would like this issue resolved before the New Year and I look forward to your response. Sincerely, ***** ******* BBB CASE#: XXXXXXXX CFPB Case number: XXXXXX-XXXXXX On Mon, Dec 23, 2013 at 4:23 PM, <****************@discover.com> wrote: Dear ***** *******: Thank you for your recent correspondence, dated December 23, 2013 to the Better Business Bureau. To ensure your concerns are properly addressed, your letter has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover(r). I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. If you would like to discuss your concerns in detail, please feel free to contact me at (XXX) XXX-XXXX. I am typically available weekdays from 8:00 a.m. to 5:00 p.m., EST. Sincerely, *** ************** Executive Office of Customer Advocacy Discover(r) Please consider the environment before printing this email. Mete H. ******* <**************@gmail.com> Mon, Dec 23, 2013 at 11:56 PM To: ****************@discover.com, *********@discover.com, **************@discover.com, **********@discover.com Cc: ********* *******" <*******@chicago.bbb.org>, info@consumerfinance.gov, **** ******* <*********@aol.com> Dear Discover, In Ms. **** ******* absence until after the New Year, I please ask that someone look into this urgent matter. The appropriate business bureaus have been copied on this email with the case number pertaining to my complaint. Regards, ***** ******* (Quoted text hidden) Mete H. ******* <**************@gmail.com> Tue, Dec 24, 2013 at 5:45 AM To: ****************@discover.com, *********@discover.com, **************@discover.com, **********@discover.com, ****************@discover.com Cc: ********* *******" <*******@chicago.bbb.org>, info@consumerfinance.gov, **** ******* <*********@aol.com> I've received a few auto replies especially from ***** ************ that he has been away from mid October. Is there no one in the Discover Office to replace and return his messages? This is extremely disturbing to me and highly UNPROFESSIONAL. Please have someone follow up with my urgent concerns and get back to my BEFORE the end of the NEW YEAR. Sincerely, ***** ******* (Quoted text hidden) ------------------------------------------------ 1-6-14 additional info from consumer: Dear BBB, I have faxed to you this morning my correspondence with Discover and its Executive Team. I believe my consumer rights have been violated. They are asking me to pay for fraudulent and bogus charges simply because they have already paid the merchant and are out in the dark. This is the discussion I had with Mr. ****** ******* on December 30, 2013. I'd like to ask for your help in investigating this matter. I believe you should have all of my documentation on file. Please let me know as soon as you can. Sincerely, ***** ******* XXX-XXX-XXXX Final Business Response /* (4000, 22, 2014/01/08) */ see attached

1/7/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Discover notified me via email on 9/2/13 that my email address had been changed. I called to say I had not changed it. Someone knew my security answers and had called and changed my address, phone, and email. I canceled that Acct ending in ***** Discover issued new cards. When I did not receive them I called and found Discover had mailed the new cards to the address of the people who hacked me. I canceled that acct. I do not know what that Acct number ever was. I got a new acct ending in ***** took a vacation, paid all charges on that acct and then canceled with Discover. They say I still own on that acct. I feel it could be charges for the month of August 2013 but they sent that bill to the address in ***** of the people who hacked me. This gave the hackers even more personal information about me, a violation of security rights of consumers. Discover will not send a detailed bill of those charges in question. In the last two months I have called 15-20 times and spoken with at least 10 different reps. Although they say they are logging all my calls, no one ever seems to know who I am when I call again. On one call, the automated service stated my personal checking acct number as a Discover acct number. That was another red flag to me. On another call the rep laughed when I said I was going to contact BBB. I have written letters to the billing office in ***** ******** *** as well as Headquarters in **** **** ***** *** I have given them leads I have discovered in terms of who the person was hacking me, no one will ever go beyond telling me I owe the amount stated in this complaint. I was able to speak with someone named **** in the Fraud department in ******** *** who said she would send copies of outstanding bills. She sent the last one from #**** which I paid in full (I have canceled check). She also sent the one bill from the new acct ***** I factored out the charges I made on vacation, paid them in full, have canceled check and included a note that the other charges (balance brought forward) were more than likely fraud coming from the other people when they used the new acct card that Discover mailed to them. I heard nothing on this. I feel I have made every attempt possible to work with Discover on this matter. The right hand does not seem to know what the left is doing. I am also at this time interested in knowing what protection I as a consumer have from Discover seeing that they first allowed someone to hack my account, then sent new acct cards to the people who hacked me, did nothing to follow up on the information they had on the people, and leave me still, at this point, feeling harassed. I need to see itemized billing for whatever accounts they see in my name and address from July 1, 2013 through November 6, 2013. I also need assurance that they agree that they do not see ANY accounts with Discover in my name at this time. I have canceled all my Discover accounts (that I myself have opened)and would never do business with them again. I see still suspicious activity online from time to time which might indicate that the hackers are still at hand, but again; I can not get anyone at Discover to work with me on anything in anyway. Thank you.

Desired Settlement: I need itemized account statements from July 1, 2013 through November 6, 2013 on whatever accounts they see issued in my name and address so as to do a complete review on my own of charges. I do not want bills with amounts owed only, I need itemized statements the same that are sent monthly to a card holder.

Business Response: Initial Business Response /* (1000, 7, 2013/12/05) */ see attached response Final Consumer Response /* (2000, 15, 2014/01/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept because they finally did what I asked them to do to my satisfaction. Final Business Response /* (4000, 13, 2013/12/30) */ see attached response

1/7/2014 Delivery Issues
1/7/2014 Problems with Product/Service
1/6/2014 Problems with Product/Service
1/6/2014 Advertising/Sales Issues
12/31/2013 Problems with Product/Service
12/20/2013 Advertising/Sales Issues
12/20/2013 Advertising/Sales Issues
12/16/2013 Advertising/Sales Issues
12/16/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I presented Discover with three bills I wished to consolidate. They approved me for a lessor amount. But instead of combining the two cards that would fit on the discover account (so I could close those accounts and replace two payments with just one), discover instead wrote a partial check to the holder of my largest debt. Effectively adding a fourth monthly payment to my debt and consolidating NOTHING. Their service people said they could not offer me a high limit in order to transfer all of the debt on the largest card which would have at least accomplished part of my goal (to eliminate a dept store card and acquire a card I could use anywhere and NOT add to my monthly payments). Discover said their hands were tied. They called ******* with me to try and talk ******* into reversing the partial balance transfer. ******* said it was NOT a balance transfer, but a regular payment. the Discover rep then proceeded to explain to both ****** and myself that Discover doesn't transfer balances (which is what they told me and charged me for), but instead they design checks to appear as if the consumer was sending in a payment because when other institutions see a check from a third party they often will not accept them (which is what I would have wanted in this situation). Essentially the Discover rep was explaining that Discover was intentionally deceitful in order to fool companies like ******* into processing the partial balance transfer. No consumer would desire to have their debt broken down into more monthly payments!!!! It makes no sense what so ever. The logical and sound business decision would have been to combine the two smaller bills onto the Discover card to reduce the number of accounts and therefore payments I was dealing with. That's the whole point of debt consolidation! But Discover realized that the two smaller bills combined didn't amount to the full $500 limit they approve... so instead with advising me that they would be doing so, issued a check to ******* for a larger amount that did NOT cover the full balance on my ******* card and was designed to appear as it came from me to avoid having ****** reject the request (because that would have been in my best interest). In the end the only thing Discover was "happy to do" was close my account and warn me that if I did so I could never do business with them again. Why would I want to? They crippled my finances for the holiday season by making a decision that was adverse to the whole point consumers apply for debt consolidation credit... to lower their monthly payments NOT add to them!

Desired Settlement: I would like to have no payments due to Discover for 6 or more months so that I have time to pay down the other balances that Discover did not consolidate and for NO adverse reports to be filed against my credit report. I think that is fair since Discover did NOT consolidate my debt as requested.

Business Response: Initial Business Response /* (1000, 7, 2013/12/09) */ "SEE ATTACHED RESPONSE" Final Consumer Response /* (3000, 9, 2013/12/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are not taking responsibility for their actions. I'm willing to take responsibility for my debt. They should take responsibility for poor decision making. There is no record of a call or email to my home or place of business as indicated in their response. It is misleading for Discover applications to offer "consolidation" options if they are not going ensure what they are doing is an actual "consolidation". If three bills are submitted for "consolidation", but Discover doesn't approve a credit limit high enough to cover them they should skip over any balance that is not smaller than the credit limit they offer. To not do so is to UNconsolidate the applicants debt which goes against the very reason a consumer applies in the first place. I did not receive a call or written notice explaining this before they took this action. I still have the welcome package that came with my card and it says nothing to this effect, therefore I would not have known to call and stop them from doing this. Once it was done they act like they have no options for correcting the situation. They do have options, they just refuse to take responsibility for their bad decisions that adversely impact new clients. ------------------------------------------------ 12-11-13 additional info from consumer: Also, please note that the Discover "investigator" reports back to me that I only requested for two bills to be considered for consolidation. One for $367 and a second for $908. This is completely false. I still have the emails sent on 11/19 and 11/20 from Discover advising me that my request to consolidate my bills for ***** $103 and *** ****** $367 were "unsuccessful due to my account status" because they had instead consumed ONLY $475 of the third bill of $908 ******* that I had also submitted. 1+1+1=3 not 2. Final Business Response /* (4000, 11, 2013/12/16) */ "please see attached"

12/13/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I tried to ask an account manager today this question and he had no answer at all for this. Why do you have an tab on the web site back to 2006 if one can only have the past 24 months.

Desired Settlement: Since this is false advertising and it would appear that you have my information from 2006 then send it all to me at your expense.

Business Response: Initial Business Response /* (1000, 7, 2013/11/19) */ please see attached response Final Consumer Response /* (3000, 9, 2013/11/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did return this person's phone call last week and they never called back. In addition this letter is misleading as well. You say I have access to seven years but then in the next paragraph you only say access to 24 months. Read the letter and you will see what I mean. No I do not accept the reply from this business. Discover card used to have good service but know I see that all the replies have to go someone in higher management and based on this letter even management is poor. I fully intend to voice my concern on social media for executive management not cooperating. Final Business Response /* (4000, 11, 2013/11/29) */ please see attached documents

12/10/2013 Delivery Issues
12/9/2013 Delivery Issues
12/9/2013 Delivery Issues
12/9/2013 Advertising/Sales Issues
12/9/2013 Advertising/Sales Issues
12/6/2013 Advertising/Sales Issues
12/4/2013 Advertising/Sales Issues
12/3/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I accidentally called in fraud on my Discover card. I realized the mistake and called back to validate the charge in question. Discover told me it was too late and they shut my account down and refused to speak to me for 72 hours. They would not verify the numbers I had on file and instructed me to wait for a phone call at an undisclosed number. I have no access to pay my bill while interest is still being generated. I also risk being charged a late fee. I asked for a supervisor to help me make a payment to my account and again I was refused to be spoken to. Discover is with-holding my ability to pay off a debt owed which I consider a serious ethical violation. I demand Discover to grant authorization for me to pay a debt owed in a timely manner and to waive any late payment charges as a result of their extreme measures.

Desired Settlement: I demand Discover to grant authorization for me to pay a debt owed in a timely manner and to waive any late payment charges as a result of their extreme measures and what I consider a serious ethical violation.

Business Response: Initial Business Response /* (1000, 7, 2013/11/22) */ See attached response

12/2/2013 Problems with Product/Service
12/2/2013 Problems with Product/Service
11/29/2013 Problems with Product/Service
11/29/2013 Problems with Product/Service
11/29/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Under Discover Card's Cashback Bonus Program, I should have received a 10% cashback bonus on the following ******* purchases (amounts stated at cost of goods only): 6/12/13 for $27.98 6/18/12 for $9.99 7/20/13 for $10 This should have totaled a cashback bonus of $4.80 for the period as I have meet all of the requirements for the Cashback Bonus Program, including linking to retailer site from the ShopDiscover Web page found at Discover.com and using my Discover card for each transactions. This appears to be a false advertisement as the company has not credited my account for the appropriated amounts. This is a continual, chronic issue with the company as it has been occurring for years.

Desired Settlement: Please credit my account for $4.80 in cashback bonus and extra compensation for the error. Email me a confirmation of the credit amount once this has been processed. Thank you

Business Response: Initial Business Response /* (1000, 7, 2013/11/18) */ "see attachment for response"

11/27/2013 Delivery Issues
11/26/2013 Billing/Collection Issues
11/25/2013 Problems with Product/Service
11/25/2013 Problems with Product/Service
11/25/2013 Advertising/Sales Issues
11/22/2013 Advertising/Sales Issues
11/22/2013 Delivery Issues
11/19/2013 Billing/Collection Issues
11/18/2013 Problems with Product/Service
11/18/2013 Advertising/Sales Issues
11/18/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I disputed a charge on my discover card. It was on 7-25-13 for a purchase in the amount of 112.16 that I did not make. The credit card company failed to provide me with a signed copy of the receipt. After I disputed the charge they still want me to pay for a charge I never made

Desired Settlement: Credit in the amount of 112.16

Business Response: Initial Business Response /* (1000, 5, 2013/11/15) */ Please see the attached response. Thank you. Final Consumer Response /* (2000, 7, 2013/11/16) */ (The consumer indicated he/she ACCEPTED the response from the business.)

11/15/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On July 11, 2013. I faxed in a change of banking information along with a voided check. Our monthly automatic deductions come out on the 15th of each month. It came out of the wrong check account on July 15th. I called and confirmed they received the information and it will be ready for the August payment. On August 15th, the payment came out of the wrong checking account. I received a total of $136 in overdraft fees and called to figure out what was going on. Spoke with a *****, they inputted my banking information incorrectly and never notified me but just went ahead and took it out of our old checking account. ***** said things were taken care of. And asked me to send in a banking statements showing the fees and then they would refund. On 9/11/2013 I was refunded only $86.Called back on 9/18 and spoke with a TJ, he apologized they made another error and allowed the payement to come out of the wrong account again. I told our old bank to reject that payment. And I asked about the remaining $50. Was told I would be refunded. Never heard back.On 10/2, my husband receives a call asking for the September payment. Was told they would take care of it again and that they sent us a $50 check, which we have still not received. Was told they would apply the $50 to our payment due and then collect the difference the next day. Never heard from them.Received another call today (10/9/2013)and spoke with a ******* who is an account manager and told us that now everything should be taken care of by 4-5 days. No reason for it to take 4 months to make a simple change to our banking information and for them to get this all taken care of. VERY DISSATISFED with the lack of organization and customer service!!!

Desired Settlement: DesiredSettlementID: Refund Would like this to be reported against them and for the remianing $50 to be taken care of/refunded to us and a letter explaining how they plan to fix this type of error moving forward.

Business Response: Initial Business Response /* (1000, 12, 2013/11/01) */ Attached

11/15/2013 Advertising/Sales Issues
11/15/2013 Problems with Product/Service
11/11/2013 Problems with Product/Service
11/11/2013 Problems with Product/Service
11/11/2013 Delivery Issues
11/11/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The transaction concerning ***** * in ****** ** in the amout of $73.11 is a fraudulant transaction, that i refuse to pay for... I disputed a transaction and showed proof that the transaction was fraud and they would not refund my credit card. Called ***** * in ****** ** to cancel a reservation and was told to call ********. Called ************ and they would not cancel my reservation because they said that the reservation needed to be canceled THE DAY BEFORE THE RESERVATION WAS EVEN MADE. If the reservation was not even made yet, I was I suppossed to cancel it.This is fraud and I refuse to pay for this transaction..

Desired Settlement: I want $73.11 refunded to my credit card..I can not cancel a hotel reservation the day before it was made..Made a reservation with ***** * in ****** ** on July 4, 2013 through ********com and got a confirmation that stated "if i wanted to cancel this reservation, it had to be on July 3, 2013"..THE RESERVATION WAS NOT MADE UNTIL JULY 4, 2013..This is fraud and I refuse to pay for this transaction. Discover Card has a part in this fraud by making me pay for a reservation that ********com refused to cancel.Called Discover Card right after I called ********com with the issue and they made notes of the issue..And, still are making me pay for this fraud transaction..I refuse..

Business Response: Initial Business Response /* (1000, 10, 2013/10/24) */ "see attachment" Final Consumer Response /* (450, 22, 2013/11/09) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated: Discover refunded the $73.11 FINALLY...

11/11/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Discover XXXXXXXXxxxx - Unknown account - I have previously requested validation that I personally opened this account and received no such proof. This is my second request to have this validation provided to prove that I identity has not been compromised Or Remove Immediately. This false information has been negatively impacting in my credit in such a major way that I cannot do anything to live my life normally. I have a 30% interest rate on a car I had to buy after a recent accident, I cant move to another apartment because no one will accept me based on my credit, and I'm 32 years old with an overdue dream of owning a small home and this old and inaccurate information is really effecting me and taking an emotional toll.

Desired Settlement: Remove any information regarding this account from the 3 major credit bureaus as soon as possible or within 30 days.

Business Response: Initial Business Response /* (1000, 7, 2013/10/31) */ "see attachment"

11/7/2013 Problems with Product/Service
11/6/2013 Delivery Issues
11/6/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Despite the fact I am on the do not contact list, I have gotten many, many calls from X-XXX-XXX-XXXX, most of them when I'm not around. The caller never leaves a message. Since I don't pick up on numbers I don't recognize, after awhile, I started using Call Control to just forward these to voicemail. But I'm still getting notices of missed calls from this number -- 11 calls from October 18 through 25 alone. When I call the number, they want the last 4 digits of my credit card account, which I refuse to enter because of suspicious notes online concerning this number, which you can read here https://www.google.com/#q=XXX-XXX-XXXX. My account is in order, so no reason for them to call me -- certainly no reason not to leave a message. Therefore, I suspect either a system error, a salesperson not following standard protocol (which is why I consider this an advertising/solicitation issue), or continued phishing attempts. This is why I am contacting BBB as well, not Discover directly -- so both agencies will know of the issue and it can be appropriately resolved.

Desired Settlement: I want Discover Card to look into this number, XXX-XXX-XXXX. If it is indeed a legitimate Discover Card source, I want them to enter into their database that I am not to be called for solicitations -- I am not interested, and this kind of constant calling borders on harrassment. Those 11 calls are just the recent ones -- I received many, many before blocking the number. With most businesses, this is sufficient, because they eventually give up and I stop getting missed call notices. But I continue to do so from this number. I want Discover to notify BBB if this is not a Discover number, so that they can investigate the number and its source for phishing, attempting to gain PII, personally identifiable information.

Business Response: Initial Business Response /* (1000, 7, 2013/11/05) */ See attached response Final Consumer Response /* (2000, 9, 2013/11/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I would ask that the business change the practices followed by their staff to leave a voicemail message and a call back number,so they don't look like a phishing attempt. Not once in all of this did someone leave a message -- they just called and called and called. When you finally call back, you get a recorded message and they ask you for your credit card number, and that's the last thing I was going to enter. There are a lot of entries online indicating this number is a scam -- all that could be avoided with a voicemail message and a verifiable Discover card customer support phone number. Thank you. I consider the matter resolved after this response.

11/5/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On September 4th I was called and told I had to pay 100.30 in order for my loan to be in good standing. I paid by check over the phone, at the end of the conversation the representative tells me I am now paid for August and September, I said why did I pay September(it was due September 25th) She informs me I didn't have to. Which is different then what she said prior. I also said I had never received a paper statement. She informed me I was enrolled in electronic statements. I never enrolled in electronic statements. I was assured I would then receive paper statements. I did not. Early October I received a phone call stating I owed 100.30 from August and September, I stated I paid that already, I repeat this whole story, they apologize and say the payment was allocated incorrectly and assure me it will be fixed. Today October 9th I receive a phone call that I once again owe 100.30, I repeat the entire story once again, they put me on hold for 10 minutes, they apologize and state that it is in the process of being re-allocated. The representative tells me once again I will not receive any more phone calls and will receive paper statements. I asked to speak to a supervisor, she apologized for my frustration but not for the multiple phone calls and deceptive manner in which the payment was collected. She then tells me I am enrolled in electronic statements even though I never set up an electronic account because that it was I had with ******** when they had my loan. She stated there was no way she could "undo" that and I would have to electronically enroll in order to do it myself. To be clear, I would have to electronically enroll in order to un-enroll for something I never enrolled in at Discover student loans.

Desired Settlement: Having had this same student loan originally with ******** and part of it sold to ****** *** and someone else who no longer even has it, I have never had such an experience. I would like Discover student loans to not be deceitful, better educate their representatives so they all have the same story.

Business Response: Initial Business Response /* (1000, 7, 2013/10/25) */ Attached

11/5/2013 Delivery Issues
11/4/2013 Advertising/Sales Issues
10/29/2013 Delivery Issues
10/29/2013 Problems with Product/Service
10/28/2013 Advertising/Sales Issues
10/28/2013 Advertising/Sales Issues
10/25/2013 Billing/Collection Issues
10/25/2013 Problems with Product/Service
10/21/2013 Delivery Issues
10/21/2013 Problems with Product/Service
10/21/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been a Discover cardholder since 2007. Since opening my account, my Discover card has been my primary credit account, on which I have spent hundreds of thousands of dollars. I have never had any problems with Discover and would happily recommend them to my friends and family. Actually, recently, I did. My girlfriend received an application with Discover, so I encouraged her to go ahead and apply. A month or so later, I noticed a new Discover account on my credit history. I thought nothing of it, since I had received an e-mail from Discover saying they had raised my credit limit. However, a few weeks after that, I checked my credit again (as I am interested in buying a house) and saw my score had dropped 10 points, moving me from an "A" rating to a "B" rating. Troubled, I looked into the reason: the Discover account added to my account was now at it's limit. Worried that someone had fraudulently opened an account in my name, I quickly contacted Discover. They used my name, birth date, and Social Security number to verify that there was no account added to my credit. Curious, I thought. Where would that account had come from? My girlfriend and I began talking, and when I told her the amount was $1200, she said, "Gee that's weird, that's how much my credit card is for". I asked her if she had my added to the account, to which she told me no, she didn't have my social security number. However, she had added me as an "authorized user". I had her call Discover, and sure enough, there I was, listed on her credit card. AND on my credit report. However, I had neither the ability to access or dispute this account with Discover! Upon speaking to your customer service on the phone (on my girlfriend's phone call), they asked my to verify MY social security number and information to reverse the credit trace. I asked them if they thought it was strange and very unprofessional that they could remove MY information only through her, even though I was not able to do it myself. The service agent agreed and said she felt it was a bad business practice. She told me ANY person with a Discover account could add ANY other person as an authorized user. I feel this is entirely unethical, if not somehow illegal?! I am very concerned about the possible ramifications this could have not only for me, but also my friend's and family's credit reports and scores. I encourage you to disable this program of being able to add an authorized user to an account without their social security number and direct confirmation of that access. What if my girlfriend and I were to break up, and she ran up a huge credit debt knowing it would impact my score?

Desired Settlement: I would like to see a change in business practices whereas Discover will not open accounts in someone's name without their personal authorization and social security number for verification.

Business Response: Initial Business Response /* (1000, 5, 2013/10/09) */ see attached response

10/18/2013 Advertising/Sales Issues
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10/14/2013 Advertising/Sales Issues
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10/8/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have contacted the company numerous times about this problem. Although credit card companies are required by law to inform customers of their statement balance, and any penalties for not paying the statement balance, the ************ online system does not show the statement balance as an option on the screen for making a payment. Discover needs to make it possible to pay the statement balance on their online system in order to comply with the law.

Desired Settlement: Create a box in the online system containing the statement balance and allow cardholders to choose that option when paying their bill.

Business Response: Initial Business Response /* (1000, 7, 2013/09/20) */ see attached response Final Consumer Response /* (3000, 15, 2013/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Please label the option to pay statement balance as follows, "pay statement balance". This is not rocket science. Final Business Response /* (1000, 13, 2013/10/07) */ **************************************************** October 7, 2013 Re: Statement Balance ********® card account ending in **** Better Business Bureau Case No.:******** Dear Ms. ********* Thank you for your recent correspondence dated September 25, 2013 to the Better Business Bureau. I apologize if you feel that my prior response did not adequately address your concern regarding information pertaining to your statement balance being provided on our website. I attempted to contact you in an effort to further clarify your concern; however, I was unable to reach you. Please allow me the opportunity to further explain. As indicated in my prior response, we provide you with your statement balance electronically via the View Statement tab on the Home Page on the ********.com Account Center as well as on the right hand side of the Make A Payment page. Although we do offer the option to pay your Last Statement Balance on our Account Center Make A Payment page, the payment box is not always labeled as such because in some situations your account's Current Balance is the same as your Last Statement Balance. In that type of situation, the payment option is labeled Current Balance instead of Last Statement Balance. In reviewing your account, it appears that you typically schedule your payments online within a day or two of your statement being generated. As such, your Current Balance and Last Statement Balance will often be the same if no additional charges or credits have posted to your account since the statement closing date. You can verify that these two balances are the same on the right hand side of the Make A Payment page in the box labeled Payment Summary. Ms. ********, we appreciate your business and your suggestions, it is comments such as your help us to improve the service we provide to our customers. If you should have further questions or comments, please feel free to contact me at (***) ********, I am available weekdays from 8:00 a.m. to 5:00 p.m. EST. Respectfully, ********************************* Executive Office of Customer Advocacy ******** cc: **********************

10/7/2013 Billing/Collection Issues
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9/30/2013 Advertising/Sales Issues
9/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My Discover Card account ending in **** has been a constant source of problems in dealing with Discover Card. Last year Discover Card engaged in predatory interest lending, repeatedly altered my payment rates from the normal $40.00 a month despite my paying on time evert month regularly to higher rate by small dollar amounts so that I was constantly counted as late and the charged penalties and interest as well as had Discover Card representatives calling my cell phone while I was at school disrupting my studying. In September 2012 they received a payment from my Debit card that they said processed and was shown as paid, then bounced back to me (not due to insuficient funds) - the representative I asked for an explanation on the phone told me that it had been because the previous rep I had spoke to had incorrectly informed me that I could use my MasterCard Debit Card for my checking account to make a payment. The other rep had not told me that despite my asking him point blank about whether I could pay this method. I was then told that I could just pay on the next due date which I did. I then saw on my credit report that they had listed my as late on the payment damaging my credit. Furthermore I have received no billing statements at my new ********** address this year - despite making payments in the early part of the year or an explanation from Discover - although on checking my credit report Discover Card has repeatedly billed me despite never sending me a monthly billing statement, marked up the interest and continued to damage my credit. A few weeks ago my mother called me in a panic that she had received a call on her private cell phone at her workplace as a live in caregiver by Discover Card demanding information about myself but refused to tell her what it is - which is shocking to me as she has never been a signatory or on my Discover Account cards, and I have never given her personal private cell phone number out as a reference meaning Discover Card is now harassing my family. I still have not received any current billing statements and Discover Card is continuing to ruin my credit and bill me - which as a student is not only ruining my credit but is harming my ability to rent an apartment to live in during the school year due to Discover Cards behavior making my credit to low to obtain a lease.

Desired Settlement: Removal of all negative credit reporting from all credit agencies in the past 18 months. Issue a monthly billing statements to my address Reduce monthly payments to their 2011 level of $40.00 a month Credit my card ending in **** with $1500.00 for the interest, late fees, credit harm, harassment towards my family - over the past year.

Business Response: Initial Business Response /* (1000, 7, 2013/09/17) */ see attached response

9/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In Approximately April or May of 2012 I lost or had my wallet stolen from me. It appears someone took out several credit cards in my name in July of 2012. I later found out about these accounts approximately in Sept of 2012 and began to try and rectify the problem, including filing a police report with the ********** **** ***** Police Department. I filled out Discover's affidavit paperwork and sent them a copy of the Police Report as well to assist in their investigation...Please help me as I have never ASKED for a Discover card and subsequently I have never received or used a credit card from them. I wish to have my credit repaired and for Discover to delete all of my personal information from their systems...

Desired Settlement: I wish for Discover to appologize for all the harassing calls and mail that they have sent me. I also demand they delete an account in my name and remove ALL my personal information from their system (which was aquired Illegally). I demand they contact all credit rating services to clear my name of any balances owed to them since they are fraudulant.

Business Response: Initial Business Response /* (1000, 7, 2013/09/19) */ please see our response atatched

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9/23/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: In July I was contacted by *** ** Credit Corp about my account. On 7/16 ********* told me it was given to them for collection. She could not see any delinquency & didn't know why. She had a manager look at it. The manager didn't know why so it was being closed out & returned to Discover. I called Discover the same day. ***** *** customer service ctr) couldn't figure out why. She needed a manager to look at it. She said the account was in recovery but didn't know why. Transferred me to ****** He confirmed there is no delinquency & not showing as a collection account. Told me to just disregard the letters. He transferred me to someone else named ***** who immediately launched into an explanation...its in recovery because it's delinquent. Didn't bother to look at the account or listen to what I was saying before she started talking. When I told her it wasn't delinquent she immediately demanded to know who I made arrangements with & when they were made. Once she finally stopped talking & listened to me, she agreed it shouldn't be at a collection agency, they would not ask for payment in full or require arrangements on a current account. Said I should continue making payments as agreed, it was a problem on their end. They need to resolved it & will get back to me. Of course, that call never came. I August I received another letter from *** *** This letter said since I hadn't responded to them they would make me an offer. On 8/20 I spoke to ********* again. She told me my July payment was posted on 8/5 & sent back to them. She said it was again being closed out & returned to discover. She also told me I need to contact ** Services in *** She couldn't tell me who they were other than that's who they get the account from, neither could anyone at discover. I called discover & spoke to ***** in *** She verified the account is not being recognized as delinquent, my July pmt was posted on 7/17 (on time), and it's definitely something on their end. I asked if it was being reported to the credit bureaus. She told me I should get copies of my credit reports to find that out. The only thing she could think of is it's connected to my ex husband's bankruptcy filed in Feb. Since he was a secondary card holder, they removed him from the account & closed it. She also told me I have to call the bankruptcy department to get it straightened out. I HAVE TO STRAIGHTEN OUT A PROBLEM ON THEIR END???. On 8/22 I took time off work to try to get this straightened out. I called to speak to the bankruptcy department. They were not taking calls. I called the ** Customer Care Ctr. I was transferred to ****** in the Pre-delinquency department. He told me a supervisor was looking into it & would call me back shortly. I asked to speak to the supervisor looking into it. I was transferred to ******** ******* said it was his supervisor looking into it. He looked at the account and said it was not showing as being sold to a collection company & didn't know what the problem was. He assured me it wasn't being reported to the credit bureau's. Again, I was told to continue making payments as I have been since 1993, that discover does not sell non-delinquent accounts or demand payment in full when payments are made on time. They will call if they need any more information from me. I don't expect them to call and I am not sure anyone is even working on it. I just want this straightened out.

Desired Settlement: I want the problem straightened out and the contact from a collection agency to stop. A letter of apology (a real one, not some funky form letter)and assurance that anything negative that is being reported to credit repositories will be corrected.

Business Response: Initial Business Response /* (1000, 7, 2013/09/12) */ see attached response

9/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: In the essence of simplicity, ******** Financial has written two emails to me in the past 30 days that have been received by my email server after 11:00pm. This is affecting my sleep, causing me undue stress and my ability to focus at work so I can attempt to earn a livable wage to pay for my liabilities. Unfortunately, ******** feels the need in thier collection practices to step above the Fair Credit Act to attempt to collect thier debts. This is an unfair advantage and I wish thier collection practices be submitted for further review by the BBB and government regulators

Desired Settlement: Penalties up to the extent of the law for non compliance with The Act

Business Response: Business' Initial Response /* (1000, 7, 2013/09/17) */ see attached response Consumer's Final Response /* (2000, 9, 2013/09/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/17/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: ******** continues to send me advertising about the ******** cardI have returned the mail 4 times requesting ******** to take me off the list as i have no interestI continue to receive advertising******** continues to ignore my requestAlso they continue to send my 23 year old daughter **************** advertising which Ihave returned requesting not to receive advertising as we are not interested in the ******** cardthank youregards****** ****** ************************

Desired Settlement: DesiredSettlementID: Other (requires explanation) ******** needs to meet my request to be taken off the advertising list

Business Response: Initial Business Response /* (1000, 7, 2013/09/17) */ see attached response Final Consumer Response /* (3000, 9, 2013/09/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) **************** has requested in writing to discover to be taken off list ************* has requested in writing to discover to be taken off list we have all requested in writing to discover to be taken off list therefore take us all off the list regards, *********************

9/16/2013 Guarantee/Warranty Issues
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9/16/2013 Problems with Product/Service
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9/12/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: ******** told me that to pay $400 for my property appraisal and they could not help me forcing me to cancel so they can keep the money I filed for a mortgage refinance and ******** offered to help. They asked me to provide all the paperwork and I did. They then sent a property appraiser made me pay $400 and indicated when we close this amount would be reimbursed to me. The guy that was helping at first was really good but he suddenly left the company. I had to deal with 3 other new guys and towards the end of the process they realized they could not help me therefore we could not close. But they could not tell me so because they wanted to keep the $400. Therefore they sat on the application no communication, no emails, no phone calls no updates whatsoever. This was their way of forcing me to cancel myself so they don't have to reimburse me. I got tired of waiting and I cancelled they kept the money. I feel like this is unjust and they should have reimbursed me because we didn't close. They pretty much took my money for absolutely nothing. I need ******** to reimburse me

Desired Settlement: I paid them $400 for the appraiser they didn't provide any service to me whatsoever thereafter. I don't think they need to keep my money. It's unfair

Business Response: Business' Initial Response /* (1000, 18, 2013/09/11) */ see attached response Consumer's Final Response /* (3000, 20, 2013/09/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) NO. I do not accept their response. Its accurate I have received an email from them but didn't get the chance to get back. Its true I didn't complain because I thought they would reimburse me. I don't have to complain to get my money back. What they did they know very well its dishonest in a sense that they inform of the reason for the delay of my application, just sat on it until I got tired of it and cancelled and they kept my money. They brought up the reason about the ratio between my income and debt but nothing afterwards there was a total silence for a good few weeks. But, given that they wont reimburse me there is no point of going back and forth about it. They can keep the money. Somehow and someway justice will be served. They profited on me for no reason, but some day someone else will profit on them for no reason and possibly for an mount ten times what they got from me. Thank you for your help.

9/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I fell behind on my bill due to being on maternity leave. When I called and talked to them the rep said it was fine if I couldn't pay the bill in full it was ok as long as I payed 58.00 to make it so the account wasn't over. I had two reps tell me that. When we payed what we could, which was 58.00, it didn't count as a payment and was saying our account was over still so I called them again. When I called the machine said to pay 15 but then when I talked to the rep they said I'd have to pay 72.00 still to catch up the account and that if it wasn't payed before the due date that the account would get another late fee.

Desired Settlement: To get what I was originally told which was that if we payed the 58.00, the account wouldn't be over the limit and all of the late fees would get reversed.

Business Response: Business' Initial Response /* (1000, 7, 2013/09/09) */ see attached response Consumer's Final Response /* (2000, 9, 2013/09/11) */ (The consumer indicated he/she ACCEPTED the response from the business.) well I accept but they still didn't reverse the fee for august like he said they would for 8-22-2013

9/11/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On April 5, 2013 I signed up with **** for a 30 day trial membership. I was given a fax number of ************. I closed the account by calling customer service on April 26, 2013 and spoke with an ***** call center (or could be ***********). However, I noticed that **** still charged my credit card on May 5, 2013 for $16.95. Once I discovered the charge on my account, I called **** and told them that my account was already cancelled. However, I was than informed that my account was NOT cancelled. Never the less, the call rep cancelled my account again and I thought I remember him telling me that I would receive a credit for the overcharge. No credit was ever issued! I have NOT once used my fax account with **** after I cancelled it on April 26, 2013, nor have I ever logged into my **** account. I don't understand why call reps are not cancelling accounts upon request of customers. I called ************* and disputed the charge (case #**********), but because I had no physical proof of my April 26 call, ******** overturned the charge. On August 16, 2013, I spoke with ******** rep ***** (#*****) and he was sharing with me of a conflicting cancel date. It seems that either **** or ******** cannot get their facts straight. ***** was not able to help me out either. Product_Or_Service: Fax service

Desired Settlement: DesiredSettlementID: Refund My request is a refund for $16.95!

Business Response: Business' Initial Response /* (1000, 12, 2013/09/09) */ see attached response Consumer's Final Response /* (3000, 14, 2013/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) ******** was unwilling to help in regards to my matter. It was the merchant (not ********) who settle the issue. ******** was rude and difficult in their treatment as a long standing customer!

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