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 110
2018-08-15
IL
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: I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!
Company Response: Closed with non-monetary relief
2018-08-15
Harrisburg, PA
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: I am writing in respond to letters and documents that have been sent without no reply.
XX/XX/2018 I mail a letter of dispute with documents that I copied and sent. no reply. XX/XX/XXXX, and XX/XX/XXXX sent to more letters and I ready to send a fourth.The company XXXX is not keeping their end of the deal because they have been shut down by the FTC since XX/XX/2018. I was in my first month of just getting my XXXX XXXX started after using this credit card to help purchase membership with XXXX back in XX/XX/2018.
This is to make clear the products not received as a result of the shut down.
Standard affiliate : Back Office functions, reporting, affiliate tools, hosting, including banner ads on select products.
XXXX : Back Office functions, reporting, affiliate tools, hosting, including banner ads on select products.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX XXXX ( {$190.00} ) XXXX XXXX ( {$290.00} ) XXXX Licensing Kit ( {$290.00} ) XXXX XXXX XXXX monthly XXXX XXXX XXXX in print and PDF Done for you Emails and lessons XXXX XXXX XXXX videos The XXXX products I also paid for the training Im not receiving, which is 23 more coaching sessions, live XXXX events which I could attend to learn more, all hotel, food, training by the best in the business and activities included. Also have lost the ability to use XXXX back office where all training products are located, which is part of the price I paid which I list some above.
Each XXXX XXXX, XXXX, and XXXX are events that you attend to receive training in order to grow your XXXX XXXX and now those events are not being offered because of the shut down. These events offer summits that are a part of the package.
XXXX XXXX offered these summits : XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ) You could bring a Guest to these XXXX XXXX ( {$1300.00} ).
The XXXX XXXX were held at XXXX XXXX XXXX a XXXX resort in XXXX XXXX, XXXX XXXX which is part of the price of the XXXX, now no longer available due to the shut down.
XXXX offered 5 Summits : XXXX XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), XXXX XXXX Summit ( {$2900.00} ), and XXXX XXXX XXXX Summit ( {$2900.00} ) You could bring a Guest also ( {$1300.00} ) Last the XXXX XXXX you were to receive video recordings of some of the best speakers in the business, XXXX XXXX XXXX XXXX which includes 12 issues and I only receive 3 and am no longer receiving because of the shut down. Plus two video recordings of private consulting sessions with XXXX XXXX. Done for you e book funnel, Celebrity branding package, High ticket coaching, Done for you webinars. 11 days at XXXX XXXX XXXX resort for the summit trainings.
So as you can see because of the shut down none of these products are being received and XXXX is not upholding their end of product service and rendered. You can not call them because of the shut down. -Description of Services/Products : XXXX is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling.
Reason for not being to dispute with XXXX is because it is shut down.-REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company.
All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation.
-Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX Specifically, the following documents ( # 1a-3 can be found at the above Receivers site ) about the case listed below : 1a. Receiverships Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX 2. Complaint : XXXX XXXX XXXX 3. Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : www.ftc.gov/XXXX
Company Response: Closed with non-monetary relief
2018-08-15
Newnan, GA
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: XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE
Company Response: Closed with explanation
2018-08-15
Chicago, IL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation
2018-08-15
Bedford, TX
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.
Company Response: Closed with explanation
2018-08-14
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
2018-08-14
Washington, DC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2018-08-14
Flushing, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2018-08-14
Arlington, TN
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
2018-08-13
Onley, VA
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
Company Response: Closed with explanation
2018-08-13
New Rochelle, NY
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2018-08-13
N Hollywood, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with non-monetary relief
2018-08-13
Washington, DC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with explanation
2018-08-13
CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I was inquiring with Discover about a home equity loan, trying to find out about rates, possible monthly payments, terms, etc. on XX/XX/2018. The loan specialist did gave some rates and calculations after that she have told me to go ahead and she will start an application since she have prequalified me for the loan and will be getting more information from me and documentation as well. It was a lot of information and I feel that she was going fast and everything was just going fast. Nonetheless, the application was taken and then I have submitted documents that they were asking also. I called today XX/XX/2018 trying to ask if they can put my application on hold because I have inquire some place else and they will be giving me a lower rate compare to what they are giving me so I ask if they did a credit inquiry already on my credit and they said yes so I ask if it was a soft or hard inquiry and they mentioned that it was a hard inquiry which I am really worry knowing that it seems different from what the loan specialist explained to me while obtaining my application and information over the phone. I have asked them is there any way that it can reversed since I wasn't aware that it will be a hard inquiry versus a soft inquiry the I would have thought about it some more knowing that she was giving me so much information over the phone and there are times that I have to ask her to repeat the questions or information because I feel that I wasn't fully understanding everything.
Company Response: Closed with explanation
2018-08-13
Lk Buena Vis, FL
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX
Company Response: Closed with explanation
2018-08-13
Lansdowne, VA
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
2018-08-13
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
2018-08-12
Staten Island, NY
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: I have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.
Company Response: Closed with explanation
2018-08-12
Cub Run, KY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX and XX/XX/XXXX for my XXXX account.
I want you to know that I understand my financial obligations, and if it werent for my mother being in the hospital, being a XXXX XXXX XXXX XXXX, and working full time to provide for my younger siblings while my mother was sick in the hospital, Id have an excellent repayment record. I made a mistake in falling behind, but since then, my mother has recovered and is now working. Since then, Ive had a spotless record of on-time payments.
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to the two past late payments. To help give me a better chance of being approved for a mortgage loan.
Thank you for your consideration, and I hope youll approve my request.
Company Response: Closed with explanation
2018-08-12
General Delivery, DC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received.
And now I know why!
These statements weren't sent via U.S. Mail ; they were sent electronically.
I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.
Company Response: Closed with explanation
2018-08-12
Berkeley, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: I began an application process for a Discover it chrome Secured Credit Card on XX/XX/XXXX. However, I never completed the process. They requested that I verify my information by providing a copy of my Social Security Card as well as other documents. I never provided these documents, and received multiple email notifications ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) stating that " Failure to verify the information above will result in a decline of your application. '' I had decided that I did NOT want to open this credit card, and thus chose not to provide the specified information. I trusted they were telling the truth in their repeated emails, and that my application would be denied.
However, on XX/XX/XXXX, I received another email from Discover stating that my application had been approved, and they would be withdrawing a {$200.00} security deposit from my bank account. On XX/XX/XXXX I contacted the customer service phone number provided in the email. I told them that I did NOT want to open a card, had NOT completed the application, and had been told via email that my application would be declined. However, they refused to cancel the withdrawal request to my bank.
XXXX lied when they said my application would be denied, and continued to process my application without my consent. This is deceitful, and is unacceptable.
Company Response: Closed with non-monetary relief
2018-08-11
Bell Canyon, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-08-11
Bakersfield, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Company Response: Closed with explanation
2018-08-11
FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call
Company Response: Closed with explanation
2018-08-10
Oakland, CA
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation