DISCOVER BANK
Consumer Complaints
There are over 11723 complaints on file for DISCOVER BANK. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 106
2018-08-31
Ft Lauderdale, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting.
Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years.
For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website.
When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note!
I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account!
Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
Company Response: Closed with explanation
2018-08-31
Augusta, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.
Company Response: Closed with explanation
2018-08-30
Barona Rancheria, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2018-08-30
Danbury, CT
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2018-08-30
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history.
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.
Company Response: Closed with explanation
2018-08-30
NC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Company Response: Closed with explanation
2018-08-30
NC
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.
Company Response: Closed with explanation
2018-08-30
Encino, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-08-30
Scottsdale, AZ
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-08-30
Boston, MA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2017 I made a large purchase for 3 XXXX gift cards at XXXX # XXXX. After running my Discover card a computer error occurred and a manager was called to assist ( Transaction # XXXX ). The manager informed me that store policy states a customer can not purchase 3 of the same brand gift cards in one transaction. Due to the computer error no cancellation receipt was printed. I then inquired if I could purchase 3 different brand gift cards in the same transaction and the manager confirmed I could. I then purchased the 3 different cards ( Transaction # XXXX ). I than left the store and called Discover to inform them of the indecent. Discover informed me that I would need to wait a few day for the transactions to process and the cancelled transaction would be credited back to my account. Without digging into to my phone records I do not have dates or the exact amount of calls placed to Discover. Transaction XXXX was in the amount of {$1500.00} and transaction XXXX was in the amount of {$1500.00}. After investigations by Discover I was told XXXX validate both transactions so I requested they open the disputes again. Discover reopened the disputes. The next time I called I was told that the disputes where settled so I requested info on the validation and discovered both transaction where validated using the receipt for transaction XXXX. I informed Discover of this error and reopened the disputes again. lack of communication from Discover caused me to call them to check the status again. I was informed that the disputes where closed and validated. I again requested that the disputes be reopened due to the inability of Discover to properly validate both transaction again informing them that they validated two different transaction with the same receipt. They informed me that the time frame to dispute one of the claims had passed and they can only open one. This turned into a supervisor review of the dispute and more time wasted. The next call lead to Discover informing me that there is nothing they can do and should take my depute to XXXX. I contacted XXXX and they sent me to the store manager at the store the transactions where made. The XXXX manager informed me that they have very little information on transaction as old as this ( Past 6 months ). However the store manager allowed me to photograph a department sales report and void receipt. This was all they had left of the on file. This information showed transaction XXXX voided. I called Discover and gave them this scanned photo. Discover sent it for a second supervisor review. Shortly after I received an email stating " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' I put my faith in Discover to properly validate these charges. I informed them multiple time of the error in there validation of two different charges with the same receipt. Discover left me n a situation where I have to pay them for a {$1500.00} transaction that was not validated, interest on the amount and drop in my credit score due to the added balance.
Company Response: Closed with monetary relief
2018-08-30
Box Canyon, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-08-30
Brentwood, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.
Company Response: Closed with non-monetary relief
2018-08-30
Brentwood, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I recently submitted a report, and this is an extension to that report. My complaint was that Discover Student Loans had made three changes within ten days to my credit report despite no changes occuring. I believe this to be in retaliation to my dispute and request for validation of information. I believe Discover Student Loans is acting in a malicious manner because I have asked for information within my rights.
Company Response: Closed with non-monetary relief
2018-08-29
Sherman, TX
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2018-08-29
Birmingham, AL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with explanation
2018-08-29
Coral Springs, FL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief
2018-08-29
Rose Hill, TX
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with non-monetary relief
2018-08-29
Chicago, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: The bank is denying me access to my online account. They also refused to allow me to make a complaint.
Company Response: Closed with explanation
2018-08-29
Ft Wayne, IN
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: My Discover card was taken by my boyfriend and completely maxed out. I never authorized him to use my card. When I found out about the charges I called discover and disputed them. They told me they would take care of everything and get back to me within 30 days. I filled out all the forms they sent me and they asked for a police report. So I filed the report. The investigation came back as me owing the money with the explanation of frequent vendors. I disputed again and send screen shots of my ex saying he would make the money right. They would not reopen the investigation even though I gave them proof. The failed the watch the cameras that would also prove him using my card. Now I'm stuck with {$3800.00} dollars and a 29 percent interest rate..
Company Response: Closed with explanation
2018-08-29
Ansonia, CT
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2018-08-29
Arco, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires.
Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months.
After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR.
Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness.
The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.
Company Response: Closed with explanation
2018-08-28
CO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.
Company Response: Closed with explanation
2018-08-28
Randolph, MN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now
Company Response: Closed with explanation
2018-08-28
Dallas, TX
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with explanation
2018-08-28
Key Biscayne, FL
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I graduated in XX/XX/XXXXof XXXX, and by XXXX of XXXX, discover had already called me asking me, when will I make payments? I advised I just finished college and I am currently unemployed therefore I couldn't make any payments. They told me they could give me 6 months to find a job but after I would have to start making payments. 6 months go by and I still could not find a job that could afford $ XXXX {$930.00} per month. So I decided to call Discover and see how we could lower my payments, so I could at least give them some type of payment to show I am not abandoning my payments. I called and spoke apparently spoke to a frontline rep, manager, and supervisor, whom all explained to me, " They could not do anything for me, but either put my loan in forbearance, or let it go to the creditors and ruin my cosigner and my credit ''. So we decided we will attempt to make the payments but also try and find ways so we can lower the payment, consolidate, or anything that would make these payments affordable. Every month around the XXXX and the end of the month, I would call, make my payments, and ask if there anything we can do to lower my payments. In XXXX of XXXX Discover took an entire payment for a loan I could not pay for and only authorized them for the minimum payment, over drafted my account, and told me they would have to reverse the payment but would not reimburse me for my overdraft fees they caused. After 10 months, Discover advised a repayment program, that would last for 6 months, but didn't advised me that my payments would rise after the 6 months. I accepted and payments were temporarily more affordable but quickly risen and currently still finding any and every way to get these payments done. I attempted to reconsolidate my loans and they have denied me 5 times due to my salary. Discover 's advise was to " Go find another company to reconsolidate with because they can not help and because I've had a repayment program I will now have to pay $ XXXX $ XXXX {$1000.00} per month. So I asked to speak with another supervisor XXXX, XXXX, and XXXX of XXXX, to explain I can not continue to make payments as much as they would like because they are asking for way to much money and I can barely survive because my paychecks are going directly to them every two weeks. I know doctors and lawyers and they DO NOT pay no where as close to what I am paying and that Discover is taking advantage of consumers like myself. Just recently I received a phone call from Discover threatening that if I do not make my payments that they will forward me to the credit bureau. But I had to correct the rep on DISCOVERS mistake because they put one of my previous payments on the wrong loan, and the rep advised even though it was a mistake on our behalf, you still might be forwarded to the credit bureau for your payment being late. I asked how when it was their fault, and she had no answer but it may still get forwarded and told me have a great day.
I've explained to them my situation and if they could work with me because it's not like I do not want to pay off my debt but paying $ XXXX a month is outrageous.
Company Response: Closed with explanation