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 131
2018-05-09
Jupiter, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with non-monetary relief
2018-05-09
Conway, SC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-05-09
Effingham, 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 made a purchase from a company back in XX/XX/XXXXand put it on our Discover card. The company 's name was XXXX. I purchased two supplements for my dog : XXXX XXXX and XXXX XXXX. My dog has taken these supplements in the past. The supplements purchased from XXXX made her sick twice within one hour of taking them. I immediately took her off of the supplements and notified my vet. I have filed complaints against XXXX with my state attorney general in Kansas, the Iowa Board of Pharmacy, and the FDA. I disputed the purchase with Discover around the beginning of XX/XX/XXXX.
I am not returning the products because the FDA will need them for inspection when requested, specifically because XXXX did not purchase these supplements directly from XXXX XXXX. Instead, they purchased them through a third party. XXXX XXXX states because they were purchased through a third party that they can not guarantee the product is not tainted, counterfeit, or expired. I am including a copy of my reports for your records. Initially, XXXX tried to make me believe this product was purchased directly from XXXX XXXX when I inquired, but due to their vague answer, I continued to press. They then refused to say where they bought it from citing they can not disclose business relationships.
Discover initially removed the charge from the credit card. The only formal notification they sent me was on XX/XX/XXXX. It stated they were removing the charge from my credit card but would reapply it if XXXX gave them supporting documentation of the validity of the charge within 60 days of the letter. As stated before, this charge was disputed around the first of XX/XX/XXXX, so clearly this letter should have been sent out earlier.
A couple of days ago, Discover reapplied it recently without notifying me. I only found out about it when I logged into the account to make a payment on another purchase. Prior to filing the dispute with Discover, I repeatedly requested XXXX remove the charge from my credit card. I did this in writing by e-mail at least three times, and they never once responded to the request to remove the charge. In addition, Discover asked for no supporting documentation from myself to support my claim for the dispute. The way Discover has handled this dispute does not leave a good impression on me. This account has been open only a few months.
Company Response: Closed with explanation
2018-05-09
Scottsdale, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service.
On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code.
Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week.
Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.
Company Response: Closed with explanation
2018-05-09
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief
2018-05-08
Philadelphia, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit.
XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.
Company Response: Closed with explanation
2018-05-08
Ft Belvoir, 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
Complaint: I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover.
I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB
Company Response: Closed with explanation
2018-05-08
Katy, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2018-05-08
Lakehurst, NJ
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
2018-05-08
Omaha, NE
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Company Response: Closed with explanation
2018-05-08
Henrico, VA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Closed with explanation
2018-05-08
Kildare, OK
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-05-08
CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with Discover Bank XX/XX/XXXX using her information without her consent. A formal dispute of this account was sent to Discover Bank XX/XX/XXXX and as of this date Discover has failed to reply to the outcome of the dispute/investigation. This is a violation of the FCRA and my client 's consumer rights.
Company Response: Closed with non-monetary relief
2018-05-08
Lady Lake, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with non-monetary relief
2018-05-07
Concord Farragut, TN
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 non-monetary relief
2018-05-07
Grover Beach, 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: I bought a set of headphones on XXXX on XX/XX/2017 from XXXX seller XXXX for {$XXXX} for a product called XXXX XXXX XXXX XXXX they were high fidelity quality. I won the auction on XXXX and paid through XXXX using my Discover card. When they arrived they appeared to be in good condition except for sound quality. I tried them and they didn't appear to sound as they should have, I tried to reach the seller by XXXX but XXXX shortly after suspended the sellers account and I couldn't get an answer back. I sent a several emails to the seller and I never got an answer and because I didn't use XXXX for credit, XXXX wasn't able to help me because I used Discover Card instead. I contacted Discover Card, made a dispute on the item. Discover Card applied credit back to me based on investigation but about a month later, Discover didn't contact me at all and they took my money back as they claimed when I had to search on their site to find the answer that I didn't return the item. I explained to Discover, the sellers account was suspended and I had no way of reaching the seller, I didn't get any replies back and second, I didn't have a return address on the item either, so how could I send them back anyway besides no way to reach the seller. Third because the item was supposed to work, the seller didn't reply back on sending back either or a shipping label or anything. I told this to Discover disputes department and two I provided snapshots of the sellers account on XXXX was suspended for verification and I had no communication back. Discover didn't provide any decent answer to me, they make it a mystery how they communicate as well. They provide no text or email on the disputes but only file attachments only, no way to tell them but to make a snapshot on a XXXX page on content, make a snapshot of that communication what I want to say to them and send as a jpg file it is a bogus communication effort on their part. For example when I normally use XXXX I use XXXX credit and their department provides all the necessary tools so sellers and buyers can communicate but with Discover card, it is by far the worse way to communicate using only file attachments and three their customer service is really bad to talk to they tell you to use the disputes file to send information but it is so so limited. You dont get a representative or a file number or a department to call or them to call you and etc. For example, you have to go looking on their site to locate the disputes and it isnt easy to use but when you find the information, you find they rejected your claim and no answer either. They tell you will get an answer in the mail, well to get an answer, I got answer with no provided information on their reasons or even the communication of how I can review and also, their letter took 5 weeks to get in the mail. They tell you if you want to continue, you need to file more information, it doesnt make sense and lastly they tell you as a type of threat they have contacted the credit bureaus on your dispute also. I never had a credit card that will treat me like subhuman and make no information available but a mystery investigation like Discover has done to me. Anyway, Discover Card rejected my complaint and they awarded the seller the money on headphones I have that are defective and Discover Card says I need to show information I sent them back, which I explained over and over that the sellers account is suspended and there is no address and way to communicate with the XXXX seller. Also the XXXX sellers account has still not been restored either, it is still suspended. Personally the system that Discover Card uses for disputes is plain awful compared to other credit card institutions, the way Discover responds and handles their disputes with their customers is not only bad but they have hundreds of negative online reviews about them from prior customers claiming the same thing. Seriously, how can Discover accept me to send an item back without a return address, no communication from the sellers from emails and their XXXX account suspended? And Discover rejects my claim? The communication at Discover is more than a problem I have witnessed but also something that needs to be addressed how they handle their disputes with all their customers. If this is how they treat me and this is their system of communication, then I am filing a complaint not only on them being unfair to me but also they have corrupt disputes department because this is not just awful but is it a system of denial without merit on their part. It is credit card corruption as I don't trust Discover Card, I think they misled people and they take advantage of their customers as I witnessed.
Company Response: Closed with explanation
2018-05-07
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
2018-05-07
Houston, AK
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-05-06
MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.
Company Response: Closed with explanation
2018-05-06
Occoquan, VA
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: XXXX XXXX charged my credit card WITHOUT my knowledge or permission and charged double what I paid last year. This is clearly a SCAM and I should NOT be charged for the service. I have asked that the original charge as well as the interest and other fees be removed from my credit card but discover has refused. This is completely unacceptable.
Company Response: Closed with explanation
2018-05-06
NE
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/XXXX ; consumer received a Discover Cancellation of Debt ( IRS ) form XXXX verifying the decision from Discover to discontinue collection of a time-barred credit card closed on XX/XX/XXXX. Box ( G ) was checked on Discover IRS form XXXX Identifiable event Code : ( G ) constitutes : - Decision or policy to discontinue collection. As a courtesy, consumer sent Discover a copy of a letter from the IRS verifying insolvency and acknowledgment of Cancellation of Debt as well. Instead of accepting the gesture and discontinuing correspondence with consumer, Discover sent consumer a letter stating that Discover had taken the liberty of notifying all 3 credit reporting entities ( XXXX, XXXX and XXXX ) of a dispute regarding consumers Discover card ending in XXXX. This gesture on the part of Discover constitutes false reporting and a violation of the Fair Credit Reporting Act ( FCRA ) which is governed under the Fair Debt Collection Practices Act ( FDCPA ) with the Federal Trades Commission ( FTC ). Notifying the credit reporting entities of a false dispute re-ages a debt and opens consumer up to debt collection scrutiny that creates undue harm, duress and will result in monetary damages from Discover.
On XX/XX/XXXX ; consumer filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) ( # : XXXX ) regarding the violation of the Fair Credit Reporting Act ( FCRA ) levied by representatives of Discover Card. All communication regarding the complaint is to be routed through the Consumer Financial Protection Bureau ( CFPB ) portal. At no time is consumer interested in one on one communication ( or correspondence ) with Discover representatives regarding this matter as previous written correspondence attempts ( XX/XX/XXXX letter ) have failed.
On XX/XX/XXXX ; consumer received an email from XXXX XXXX, Executive Office of Customer Advocacy ( with Discover ) that was sent to consumers private email domain outside the confines of the Consumer Financial Protection Bureau ( CFPB ) complaint process. At no time, did consumer give XXXX XXXX permission to access consumers personal/private email regardless of it being included in the complaint information. At no time, did consumer indicate consumer was interested ( or willing ) to communicate with XXXX XXXX XXXX outside the confines of the CFPB complaint portal. XXXX XXXX adopted her own agenda and took the liberty of contacting consumers private email domain without prior authorization permission or knowledge from consumer. XXXX XXXX attempt to side-step the confines of the CFPB complaint portal and interfere with consumers right to due process is a violation of law. XXXX XXXX attempt to steer the investigative process away from the jurisdiction of a governmental agency assigned to protect the rights of consumers who wish to pursue equal justice is incomprehensible. XXXX XXXX actions are indicative of unauthorized access of consumers electronic mail which constitutes invasion of privacy and is a federal crime. At no time, is it acceptable to misrepresent intentions or mislead a consumer away from the protected services ( and portals ) of a governmental entity designed to mediate, document and resolve disputed issues of validity. The purpose of informing the CFPB of this discrepancy on the part of Discover is to provide evidence to a Federal Court judge if Discover chooses to continue steering the investigative process of the CFPB ; and deny consumer due process of law. Consumer is merely asking for an adjustment to consumers credit report ( all ( 3 ) credit reporting entities ) by removing a dispute notification that Discover falsely reported in the first place. Consumers request is a viable request and a minor adjustment for Discover. If Discover would rather end up in the courtroom of a federal judge explaining how this matter could have been resolved amicably ( and with little effort ) rather than waste his/her valuable time, then so be it! Consumer will pursue consumers rights to the fullest extent of the law. Consumer thanks CFPB for providing this venue of mediation and documentation. It is greatly appreciated!
Attached email from XXXX XXXX, Executive Office of Customer Advocacy Discover. XXXX XXXX was not authorized to contact consumer via consumers personal electronic mail.
Executive Office of Discover Financial Services XXXX Subject : Your inquiry to Discover Date : XX/XX/XXXX XXXX XXXX To : XXXX Dear XXXX XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover.
I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation.
If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX to XXXXXXXX XXXX, ET.
Sincerely, XXXX XXXX Executive Office of Customer Advocacy Discover Protection under the United States constitution The Fourth Amendment to the United States Constitution provides that [ T ] he right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated. This Amendment guarantees the privacy, dignity, and security of persons against certain arbitrary and invasive acts by officers of the government or those acting at their direction. The Fourth Amendment is often invoked to protect individual privacy rights against government activities.
Company Response: Closed with non-monetary relief
2018-05-06
Miami, FL
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 non-monetary relief
2018-05-05
Greendale, IN
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2018-05-05
Ft Trumbull, CT
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
2018-05-05
Juanita, WA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I requested an accommodation/modification of assistance with participating in the dispute process related to a fraudulent transaction. This request was made under ADA Title III. The request has been ignored by Discover in violation of ADA Title III.
Company Response: Closed with explanation