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 130
2018-05-14
Mabank, 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
Complaint: Hello I received a big bill from discover that I didn't do or open up and I want this to be fixed and I also contact them and open up a dispute and they took it off my credit report for few weeks and later called me and told me to go to the police station and filed a report and I told them I did it online and I wont go in person because I have active warrants and I have a girlfriend who is not a XXXX XXXX I don't want her getting XXXX and they closed the dispute and rebilled me and today I called on XX/XX/2018 and reopen the case and they refused and told me pay the bill and its on my credit report as of today
Company Response: Closed with explanation
2018-05-13
MA
Problem with a purchase or transfer
Credit card or prepaid card: Gift card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: My Discover Credit Card was hacked in XX/XX/XXXX because XXXX stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.
Company Response: Closed with non-monetary relief
2018-05-12
Anaheim, 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
Complaint: A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new.
We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit.
Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me.
My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not.
The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue.
Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount.
Thank you.
Company Response: Closed with explanation
2018-05-11
PA
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: Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.
Company Response: Closed with explanation
2018-05-11
Du Bois, PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2018-05-11
Clayton, MO
Managing an account
Checking or savings account: Savings account
Fee problem
Complaint: Discover bank charged me {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. And they closed my account in XX/XX/XXXX. I didn't receive any notification about this until they closed my account.
Company Response: Closed with monetary relief
2018-05-11
Los Indios, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Company Response: Closed with explanation
2018-05-11
Phoenix, AZ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation
2018-05-11
River Forest, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one.
I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused.
Therefore I was unable to use my funds I also still have not received a new card as they had promised.
Company Response: Closed with non-monetary relief
2018-05-11
Morgantown, WV
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
2018-05-11
San Luis Obispo, 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
2018-05-10
Colts Neck, NJ
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 was scammed by a company posing as XXXX. I called the number found on-line ( XXXX ). They asked me for certain information which I provided thinking that I was going to receive a credit for XXXX. What actually happened next was that this fraudulent company charged my XXXX account in excess of {$1200.00}. I received notification shortly thereafter by my Discover card company that there was suspicious activity and they asked me to validate that these were legitimate charges. I immediately advised Discover representative that these were not legitimate. I than contacted XXXX to alert them that someone had stolen my identity. As noted above, the monies were withdrawn from my account in a very short duration of time. My immediate thought was that I needed to cancel my Discover and XXXX accounts which I did. I than began the process of assuring that my monies were protected my one or both of these companies. My husband also believed that his XXXX XXXX and/or XXXX XXXX memberships should protect against this fraud and loss of funds. We appear to be receiving a bit of a run around by these various companies, with each stating they have no responsibility to refund the money stolen from the XXXX account.
What I find most disturbing is this whole chain of events began over XXXX charging my Discover credit card for the XXXX XXXX service I had not ordered. This entire situation would have been avoided had I not had to initiate the first call to XXXX.
Company Response: Closed with explanation
2018-05-10
Arvada, CO
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have been a Discover customer for about 3 years, with that I have one credit card and one Personal Loan. The amount owed on the personal loan is {$4300.00} and {$1300.00} on the credit card. On XX/XX/XXXX my baby was born and I was going through extreme financial hardship. The months where the accounts were not paid were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To begin Discover had the incorrect Mailing Address on file therefore I did not receive any statement, balances or mail from Discover. I was getting constant calls at work reminding me that I had late payments due and asking me " how would you like to pay this amount ''. Discover is only worried about me paying off my balance rather than trying to work with me.Not only was I interested in getting my account current, I was also interested in paying off the full amount. They have repeatedly expressed to me that they refused to work with me even if I pay in full. They have put me in a stress full situation where my credit score is so low that I can not qualify for a Mortgage. They have put me in a position where I am Financial unstable.
Company Response: Closed with explanation
2018-05-10
Fort Worth, 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
2018-05-10
Jupiter, FL
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: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response: Closed with non-monetary relief
2018-05-10
Mamou, LA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with non-monetary relief
2018-05-10
Jamaica, NY
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: Hello I am writing this regarding an old case " XXXX ''. Discover didn't solve my issue. They asked me provide additional information about the case. In the mean time i have talked one of the executive from discover. he said in the additional information its needed to show that i was not present at the home deport while those charges were made. When all those charges happened on my account i was working each and everyday. Down below i will attached my time sheet from my work. My time sheet shows i was working those moments. I don`t know what other way i can prove that i was not present there.
Company Response: Closed with non-monetary relief
2018-05-10
Centerville, GA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-05-10
Washington, DC
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 non-monetary relief
2018-05-10
Clayworks, IA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-05-10
Topeka, KS
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 contacted discover card customer service and they were completely rude. I called them because there were some charges to my card that I didn't make but they are still making me pay them.
Company Response: Closed with explanation
2018-05-09
Key Biscayne, FL
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: Discover Credit card After continuously disputing discover credit card open fraudulently under my name in the amount of {$8200.00} open on XX/XX/2016. Discover has refused to withdraw and remove this account. I have supporting documentation in which proves I am a victim of identity Theft.
I have summited the following documentation more that 10 times *police report *ftc affidavit * copy of my drivers license & social Under the Fair Credit Reporting Act, states if the credit reporting agencies can not verify the debt within 30 days, then it must be removed. Discover has reported to the credit bureau claim to have " verified '' this debt and evidence proving belonging to me.
but this is in fact not true under law.
Simply responding to the dispute and verifying match up numbers in your database is no sufficient verification for identity theft.
In fact the Credit bureaus not only disputed this account as fraudulent but they also informed discover I was a victim of identity theft and provided police report FTC Affidavit.
Of course the information matches up. Someone clearly used my information without my authorization. The thieves have have all My information but unfortunately i have no control of that. I have place a security freeze on my report to prevent further fraudulent misuse of my identity to apply for credit.
I have provided more than sufficient evidence to get this false accounts removed. discover financial has made my life a living nightmare ...
Ive spent time out of work totaling 217 hours ( in result lost wages for absent time ) My anual income is {$110000.00} verifiable Through the IRS. also Im currently In the process of buying my first home in Which Ive funded Ernest money in the amount of XXXX in escrow, due to the fact that discover has reported this fraudulent delinquency on my credit report I will not only be able to close on the property and loose the money that I put in escrow plus additional fees such As Appraisal & inspection for a total of XXXX not including time of work Discover credit services. Has caused me not only my good name and credibility but also monetary losses from work wages for taking time off work to resolve this matter, money lost from escrow account in result of not closing on my home due to the fraudulent XXXX, XXXX XXXX XXXX XXXX by this extreme experience.
suffering of this XXXX XXXX has drastically affected me with health issues such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX.
Company Response: Closed with non-monetary relief
2018-05-09
N Chesterfld, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-05-09
Bristol, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Please note that since my last submissions to the CFPB the following issues below have occurred and are documented via letters below sent to Discover and XXXX drastic lowering of my credit score by 75 points after the XX/XX/XXXX letter was sent to Discover. Based on the current issues, I would request that the CFPB initiate a fine to both Discover and XXXX in the amount of XXXX XXXX ( {>= $1,000,000} ) dollars each. Both Discover and XXXX have acted with similar intent as XXXX XXXX ( {>= $1,000,000} implemented by the CFPB ) which created violations of laws, rule and regulations that were illegal, unethical, or not correct within an organization actions. There appears to be activities within the financial community that are based on greed vs. ethics, laws, rules and regulations. Further, I consider this complaint to be protected under the Whistleblower Protection Act as the conduct on behalf of Discover and XXXX is illegal, unethical, or not correct within an organization. Lastly, I have been included in the XXXX data breach based on my continual efforts to dispute the Discover matter. I have occurred damages in insurance premiums being doubled, lose of a home loan and other credit issues.
XXXX XXXX XXXX Discover XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Discover Card account ending in : XXXX XX/XX/XXXX I have received a letter/package from you asking for payment for a FRAUDULENT account and if I am telling you to stop reporting it as disputed. The attached letter to XXXX XXXX XXXX, XXXX, adequately explains my position on this matter. Further, XXXX will not show or report your fraudulent claim and since notifying XXXX XXXX XXXX, XXXX, XXXX has increased by credit score by over 58 points and XXXX over 75 points at one time. Based on the above, I believe you will not be able to provide evidence to the court ( s ) that would relieve your liability for FRAUD, EXTORTION, BULLYING and most likely HARASSMENT.
Based on your previous actions, asking you to stop reporting it as disputed, would be a wasted effort, as damages have already occurred.
Best regards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX.
XXXX, XXXX XXXX Re : Your File No.XXXX XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ), I have requested an investigation into extortion against Discover through the Consumer Financial Protection Bureau ( CFPB ). Currently the CFPB has closed the case and referred it to the Federal Trade Commission for federal and state law enforcement action. I am still awaiting the results of law enforcements investigation, however I still have time under the statue of limitations to file a civil complaint. I still maintain an address in XXXX, however that address is not listed on any of the statements or consumer agreement pamphlet in the recent package received on XX/XX/XXXX. On some of the statements the address is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, this should be sufficient evidence of a fraudulent issue. Please note the information package recently received was requested in the CFPB complaint with both XXXX and XXXX filed around 6 months ago. In addition to my request for an extortion investigation, I made a request under the Fair Credit Reporting Act ( FCRA ) for an executed contract between Discover and myself. That was never provided in my earlier requests, and in the recent package sent I only see statements and a consumer agreement pamphlet, not executed anywhere. Why was this information sent to me now via your company, verses complying with the XXXX and XXXX complaint to the CFPB? Further, XXXX stated the request for an executed application/agreement was not specific, however Discover is now attempting to comply with the request in the CFPB complaint, with non-executed information and fraudulent statements.
I consider your continual collection activities conspiring with Discover on this matter and if you conspire and drive the robbers to the bank, the only difference is the amount of time in prison.
XX/XX/XXXX Please be advised that the above file No. XXXX and account with Discover Bank is on its third dispute with the Credit Reporting Agencies ( currently XXXX ). Based on the dispute and the fraud alerts on all three ( 3 ) Credit Reporting Agencies, your current collection activities are in violation of the FCRA.
Failure of Discover Bank to remove this account from my credit file will be addressed with the FCRA.
Best regards : XXXX XXXX Past CFPB complaint ID : XXXX/Discover XXXX XXXX/Discover XXXX
Company Response: Closed with explanation
2018-05-09
Main Office, VA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Problems will never be resolved in a single call with Discover Student Loans.
I was given incorrect information regarding deferment/forbearance early on in my loan that caused me to lose several months of my grace period following completion of my undergraduate degree.
Upon beginning the repayment period, I called on or around XX/XX/XXXX and was told by the representative that the loan servicing provider was in the process of being changed from XXXX XXXX to Discover. I was instructed to call back after XX/XX/XXXX, as nothing could be done with my account until that time. On XX/XX/XXXX, I called and spoke to XXXX. XXXX stated that the switch had not been completed, and to call back later. Approximately one week later, on XX/XX/XXXX, I called and spoke to XXXX. XXXX suggested that I apply for the repayment assistance program, in addition to advising me that I was eligible to receive a 0.25 % reduction in interest with the election of automatic monthly payments, and that I was eligible to receive my graduation bonus of {$1700.00} to be processed that day and released to my checking account in approximately 4-6 weeks. On XX/XX/XXXX, I submitted the first set of payment relief documentation. On XX/XX/XXXX, I received notification that my payment relief documentation had not been received ; therefore, that same day, I submitted a second set of payment relief documents. On XX/XX/XXXX, I called and spoke to an unknown representative. This representative stated that the repayment assistance program documents were received ; however, there was a glitch in the system that prohibited the documents from being viewed at this time due to migration errors when switching from XXXX XXXX to Discover. I was instructed to call back at a later date and disregard all notifications received via mail and email regarding the delinquency. During this time, each of my cosigners received a mail notification that the account was delinquent and that it may be adversely reported to the credit bureaus. I called back on XX/XX/XXXX as the online status still states delinquent. The representative stated that the online error in Discover 's system persisted, and to again disregard. I was informed that I was approved for the repayment assistance program and that my new monthly fee for the next 12 months was approximately {$65.00}. On XX/XX/XXXX, I made a payment in the amount of {$70.00}. As of today, XX/XX/XXXX, my account is still showing 53 days delinquent ( Discover reports to credit agencies after 60 days of delinquency ), despite being approved for the repayment assistance program and paying the minimum amount on time. I called and spoke to XXXX, who was not able to connect me with a supervisor. However, she spoke with XXXX ( who is allegedly in charge of the repayment assistance program ) and was informed that I have not yet been approved for this program, and to continue making my minimum monthly payment of approximately {$1000.00}. However, XXXX approved administrative forbearance to be completed by XXXX XX/XX/XXXX ( unknown length of duration ).
Because of this " glitch '' that is occurring with the Discover Student Loans system, I am incurring late fees, my credit report is being adversely impacted, my co-signers credit reports are being negatively affected, and my payments are not being disbursed evenly over all loans ( payment amounts are being credited to interest only on two of the five loans, as the payment amount is incorrectly seen by the system as not being enough to cover the minimum monthly payment ; therefore, the payment is applied incorrectly to only a portion of the loans ' interest ).
Company Response: Closed with non-monetary relief