Consumer complaint received 2019-10-30
Company: DISCOVER BANK
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm still workikng with XXXX XXXX from Discover Mortage! 

I was told to Start a New Application. 


This time I was informed I'm pre-Approved. 

The Loan is in the final Stages. 


I was asked to take care of 2 debts listed on Credit Report. 

The following are the debts listed on my XXXX  Credit Report : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1300.00} XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX -- -- I called the XXXX XXXX and they said they could not take the Payment. They referred me to the XXXX  XXXX! 

-- - I called XXXX XXXX and a SUPERVIOR XXXX advised me I could pay the whole debt off yet she tranfered me back to the Calling Q hotline. 

-- The Next Service Agent at XXXX  XXXX said they could not take payment and that the DEBT had been transferred to XXXX XXXX XXXX XXXX  -- - I called XXXX and the Receptionist transferred me to various voice recordings. 

-- - XXXX XXXX  Voicemail was RUDE. She said if you did not leave the information that she DEMANDED/ '' REQUIRED! '' she would put your name at the bottom of the list and may possibly " DELAY '' ever calling you back.

-- - The Voice mail of XXXX  says FEDERAL LAW REQUIRES the information! I was under the understanding that FEDERAL LAW protects your privacy especially when asking for PRIVATE/PERSONAL information. 

I left my name/phone number and did not get a call back in the 48 hours that was promised. 

I left several voice mails over the last WEEK. 

The only one that answers is the SECRETARY. 

They try to use the XXXX building as their office and list the BUILDING on their AD in a FRAUDULENT manner. 

Today, the SECRETARY hung up on me, yet XXXX XXXX the Creditor said they verfied a PO BOX as to where to send payments too ... They said my payment may get lost/stolen. 


I called Discover and was told they would document my concern. GUIDELINES require Discover to use " SEASONED '' Funds that have been in my Bank account for over 60 DAYS. 


I notified DISCOVER that I would most likely be able to get contact with XXXX. Most likely they would not respond to my calls NOR send me a receipt as they have over 30+ complaints about how shady they are. 

Many have complained about stolen money.. Not getting propper credit and the RUDENESS in which this company treats their customers. 

Discover said she would and I quote " HEAVILY '' Document/notate my concern and that all I should need to prove is the CHECK for the Exact amount of what is listed on the Credit report to prove that the Payment was made.. I was told to provide the check and any possible info that would prove my case yet NO GURANTEE that they would accept the evidence in which I provide them! 

How can the ORIGINAL XXXX XXXX that hired XXXX  XXXX not know that XXXX  XXXX assigned their Debt to XXXX??? 

How can XXXX XXXX the DEBTOR not take payment? 

How can I pay a debt in which the XXXX XXXX XXXX PA does not answer or respond! 

I even spoke with the LANDLORD/Owner XXXX of the XXXX XXXX XXXX. Due to the complaints and people they posted a note that the XXXX does not have a office there. In fact I was told they have not had an office for over 12 years. They have a posted note in the lobby that states they just receive PO BOX there. 

I'm guessing i'm not the only one with problems by looking at the online complaints. Many go in with their " SEASONED '' checkbook and sadly have to wait for the XXXX XXXX  to call them back! 

They should not be allowed to be associated with LAW or call themselves any type of attorney! 


I was told that My LOAN may get DECLINED as I am required by their set of guidelines to settle this debt before they would approve the LOAN! 


Again, I was promised they would DOCUMENT with no gurantee. I let them know that with all the PROBLEMS I have had I would be adding this complaint until the issue is resolved! 


The Second Debt Collector was XXXX  XXXX XXXX Student Loan. This is a legitmate company that will send me receipt. Will answer any phone calls. They were able to setttle the Debt right on the SPOT as a REPUTABLE company should! 

I had to drive down town to the XXXX OFFICE twice and pay for metered parking to find that FRAUDULENT company just uses a PO BOX ! 

I took photo copy of my check. I requested a SIGNATURE from the POST OFFICE. Over {$7.00} to ensure the XXXX XXXX accepts my Payment! 

I enclosed a DETAILED Letter to XXXX with all the Information that XXXX had requested on her Voice mail! 

This should prove that I have made every attempt possible and should not constitue DISCOVERS Automatic DENIAL of my application! 

Hopefully, Discover will HONOR what they said in documenting all of this information but at this point I HAVE NO IDEA!

Company response to consumer: Closed with explanation