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 120
2018-06-28
Prewitt, NM
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-28
Gaston, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Company Response: Closed with explanation
2018-06-28
PA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.
Company Response: Closed with explanation
2018-06-28
Eden, PA
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
2018-06-27
Charlotte, NC
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.
Company Response: Closed with explanation
2018-06-27
North Prosser, WA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover.
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance.
At this point, what would you recommend?
Regards, XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-06-27
Stkn, CA
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
2018-06-27
Los Angeles, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-06-27
Boca Raton, FL
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
2018-06-27
Houston, TX
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
Company Response: Closed with explanation
2018-06-26
Coeymans Hollow, NY
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2018-06-26
Gluckstadt, MS
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
2018-06-26
Albuquerque, NM
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/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.
Company Response: Closed with explanation
2018-06-26
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able
Company Response: Closed with explanation
2018-06-26
Cascade, WA
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: I received a pre-approved credit card application for a Discover Bank Card in late XXXX. I was hesitant at first to apply, but I did and was approved for a card {$5500.00} limit.
The card arrived and I held o opening the card for a short time cause I was going to be taking a trip to XXXX in early XXXX, and I could use it during my time away. As my trip was slowly approaching I decided to activate the card over the phone, then made various charges totaling {$160.00} in a less than a three week period. I wanted to show some usage on the card in case there was a problem before my trip. I decided to store the card in a dresser that had a small compartment in it.
Starting in the middle of XX/XX/XXXX several serious events took place that caused me to cancel my trip. One was a return my family needed me to make back to XXXX NY to handle final estate proceeding for my Grandparents, and major XXXX my mother was going to be having in XX/XX/XXXX.
An member of my extended family from XXXX, NY came to stay with us for a short time day after I left for XXXX. It was decided by my family that since my room was going to vacant for a time while traveling back and forth to XXXX that person could stay there.
After each of my returns from XXXX I made sure the card was still in it's rightful place. Starting in XX/XX/XXXX I started receiving mail from Discover credit card. I figured it was a statement for the small amount charged to card and it was time to make a payment. I set it aside along with the rest of mail since my returns home were quick until my mother 's XXXX.
The following month I received more mail from Discover credit card and I decided to open to view charges and the minimum due cause I was sure a payment was missed, and I got the shocker when there was more than {$3000.00} in charges.
Immediately called Discover and made them aware of the unauthorized charges, and asked them to issue me a new card ASAP. Discover verified the charges that were mine and the rest were flagged, and within two days a new card arrived. I chose not to activate the card until the other charges has been removed.
Discover issued a temporary credit and sent an aidavit of fraud a few weeks later that I needed to fill out and returned to the them unfortunately I was so bust taking care of my mother post XXXX that I was not taking calls or looking at mail.
When I finally called back end of XXXX start of XX/XX/XXXX I talked to a representative in customer service and fraud that told me about the numerous calls and the affidavit sent out. I told them about my situation with my mom and I was look for that letter and get it back to them ASAP cause I wanted to make a payment due to email I was receiving about need to pay down. I filled out the forms, and faxed/postal mail them back.
At first I did not want to disclose the name of the person, cause I did not want to cause more chaos in my extended family, which I explained in a letter I attached to the affidavit.
Since I had not heard anything from Discover I called them end of XXXX and told them I was calling about the status of my fraud case cause I was starting to receive email that I needed to make a payment. I indicated concern about making a payment with a fraud case open, but having that new account open. They suggest I go ahead and make the payment and if the money was not needed then I would receive a credit of some kind.
On or about XX/XX/XXXX I got a voicemail from a Fraud Specialist at Discover asking me to call back about my fraud case. I accidentally deleted the message and found the phone number online, and returned the call.
On XX/XX/XXXX I spoke with a male rep told me that Discover had come to a decision to hold me responsible for all of the charges totaling {$3300.00}, and the reversal would appear in thirty day. I told the male rep I am not paying those fraud charges, but I will pay the {$160.00} that belong to me. I asked the male rep, if they had receiving my paperwork, and he told me they did, but there was still some missing information, and since I did not call back it resulted in holding me responsible.
I told the male rep I am caring for my mom, so I return call when I get a free minutes, and I again said I will not pay those fraud charges, but I will pay the {$160.00} that belongs to me. The male rep stated sounds like you disagree with the decision, and I told him yes I do and I wanted to speak with some else now. Took him forever to transfer me, but I got a nice woman rep that listened to me, and told me she could ask for a 2nd dispute review as on the missing information that Discover did not currently have. I told her I wanted that, and that I would be in touch the next day to see if the 2nd review was underway.
XX/XX/XXXX I called back Discover, and was cutoff four different time by four different reps. The last rep that I talked with told me some information about filing a police report, and then started giving me a hard time about not wanting to reveal who did in the beginning, but now wanting to say. I told them I was trying to keep this in my family and I was just doing what was necessary to make me whole again. She indicated that having that report would allow them to go after the person because Discover wants their money back too. I told female rep I had no idea where that person was anymore since returning to XXXX. The locks were changed on the last known address I listed.
As the conversation with the female rep continued she told me that they would be doing the 2nd review based on the new information I provided, but also that Discover was choosing not to do business with me and has closed my account still holding me responsible for all of the charges.
As of today XX/XX/XXXX I have yet to hear back from Discover as it takes them thirty days for a review. In the meantime I have alert credit bureaus about the remark placed on my report, and also submitted another fraud alert.
Company Response: Closed with explanation
2018-06-26
East Willington, CT
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 explanation
2018-06-26
Greensboro, NC
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-06-26
MA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I have been a credit card holder of Discover for many years. My payment due date is on the eighth of every month. I did not have any issues with Discover until the year XXXX.
My first problem with Discover started in XX/XX/XXXX. On XX/XX/XXXX, I made my minimum monthly payment of {$66.00} after the cut off time at XXXX but on that same day. I realized that a late fee was assessed on my account, which I called and got it waived. I also realized that the next months minimum payment ( XXXX ) had increased to over {$100.00}. I believed the bank arrived at this new minimum payment due in XXXX based on the late payment that occurred in XXXX. Unfortunately, for me I lost my job in XXXX, so I called and told them that because of my situation I can not afford to pay the new minimum amount due. I told them I was prepared and can afford to pay the minimum amount of {$66.00} that I had paid the previous months ( assuming no more purchases for the month ). The person that I talked to said she would discuss with her supervisor and get back to me. I did not hear from Discover, either by phone or mail, therefore I made a payment of {$66.00} on XX/XX/XXXX and continued to make payments of {$66.00} every month until XX/XX/XXXX.
Discover reported me to credit bureau that I made insufficient payments on my account. I never missed any payment and never used the card since XX/XX/XXXX. Discover Credit Card considered the {$66.00} monthly payment insufficient. I got 100 points reduction on my credit score. I called Discover to find out what could be done. The person I talked to suggested that I sign up for a hardship program for one year, which will give a low interest rate of 9 % and a reduced minimum monthly payment of {$49.00}. I agreed and signed up and later realized that another 100 points had reduced my credit score. I had no other option so I decided not to use that card again and have still not used it up to today.. The hardship program ended in XX/XX/XXXX and l began paying {$66.00} as monthly minimum payment required by Discover.
The second problem with Discover, which is the reason of my complaint, started in XX/XX/XXXX. One of the conditions of the hardship program was to set up automatic monthly payment, which I did using my XXXX XXXX XXXX ( XXXX ) bank checking account ending XXXX. Then in XX/XX/XXXX, I opened a new XXXX checking account and decided to stop using the banking account ending in XXXX for my Discover Credit Card payment. I therefore set up a new payment of {$66.00} using the new checking account ending in for the required minimum monthly payment in XXXX. What happened was that the payment of {$66.00} that I set up went through and Discover dot paid. I later found out that Discover again managed and took another {$66.00} out of the new checking account although that new checking account was not the one been used for the automatic payment. I ended up making two payments in XXXX ( refer to exhibit 1 ).
I immediately called Discover and informed them what had happened. I was told initially the refund would be credited to my checking account. After waiting for some days without seeing the refund, I called again and was told the refund will be in a form of a check from Discover. On the XX/XX/XXXX, a day to my XXXX payment due date I had not received the check so I called again and told them that they have my money with them for almost one month and I have not received the check, they should use the money with them for my XXXX monthly minimum payment. I again said they can either cancel the check or I return the check when I receive it. I called again the following day, which was my payment due date and was told they will get back to me. No one got back to me so I did not make any more payment in XXXX. I received the check in XX/XX/XXXX but did not cash it because I had already told Discover to use if for XXXX payment ( refer to exhibit 2 ). As states earlier, I did not make any payment in XXXX and Discover considered it as a missed payment. Since XX/XX/XXXX to XX/XX/XXXX, I have been paying {$66.00} every month, never missed a payment. I have not missed a payment, and never used the card since XX/XX/XXXX so I believe my minimum monthly payment should not be more than {$66.00}.
Somewhere in XX/XX/XXXX, I got a call from Discover and the man I talked to told me that if I make a payment of {$120.00}, he would clear or remove all the late payment fees on the account. I decided to cash the check I received from Discover and made two payments ( {$130.00} ) in XXXX, but to my surprise, the late payment fee on my account was not removed.
I have been denied online access to my account. I can not make my monthly payment of {$66.00} online. I always have to call to make a payment.
As at the time of writing this letter the outstanding balance on the account is more than the same period two years ago even though I have not used the card since XX/XX/XXXX and also been paying {$66.00} every month. What Discover want me to pay as the minimum payment due is basically the late payment fees and insufficient payment fees that have been wrongfully charged to my account.
Company Response: Closed with monetary relief
2018-06-25
Columbus, OH
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
Company Response: Closed with explanation
2018-06-25
Bonnie View, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: On XX/XX/2018, I submitted a complaint through CFPB ( XXXX ) to have a late payment from Discover removed from my credit reports. After the submission, I was informed by Discover that they would remove the late payment from all credit reports and I would be reimbursed for the late fees ( see attached documents ). After a couple months, I contacted a XXXX XXXX XXXX to inquire about the removal because it still showed on my credit reports that there was a late payment. He stated that it would be resolved in the next month or so. On XX/XX/2018, I checked my official credit reports to still see the late payments on my XXXX and XXXX reports ( see attached documents ). I called XXXX XXXX last week and left a message explaining the situation but received no response.
Company Response: Closed with non-monetary relief
2018-06-25
Santa Clarita, CA
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
2018-06-25
IL
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements. The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months.
The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?
Company Response: Closed with explanation
2018-06-25
Chicago, IL
Credit monitoring or identity theft protection services
Credit card or prepaid card: General-purpose credit card or charge card
Billing dispute for services
Company Response: Closed with explanation
2018-06-24
MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.
Company Response: Closed with explanation
2018-06-24
Pueblo, CO
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 explanation