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 133
2018-05-02
Nashville, TN
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?
Company Response: Closed with explanation
2018-05-02
Kissimmee, FL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation
2018-05-02
Manchester, NH
Managing an account
Checking or savings account: Savings account
Problem accessing account
Complaint: Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.
Company Response: Closed with explanation
2018-05-01
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
Company Response: Closed with explanation
2018-05-01
Wallingford, CT
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2018-05-01
MS
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I found several times my Discover card account has charges not authorized by me on my account. The first time I contacted them and tried to get it stopped the only way I got it done was to pay off the card. Now they are doing it again, even tho ' I told them not too and I didn't want this account coverage protection ... they say it is to pay for the account balance protection should I get ill or something happens and I am unable to work. But I have been hospitalized several times and they did nothing but keep collecting this fee each and every month ... finally, the last time I told them to stop they e-mailed me and said to go to this specific website and do it there ... so I go to the website they said and the path to terminate these unauthorized charges are not there ... they must have collected thousands of dollars off me for this scam ... and I really question if there are others out there being affected by it also ...
Company Response: Closed with monetary relief
2018-05-01
Lewisville, TX
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!
Company Response: Closed with explanation
2018-05-01
Lower Makefield, PA
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
2018-05-01
LA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation
2018-05-01
Milwaukee, WI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department
Company Response: Closed with explanation
2018-05-01
Milwaukee, WI
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
2018-04-30
AL
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 non-monetary relief
2018-04-30
Brooklyn, 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
Company Response: Closed with explanation
2018-04-30
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
Company Response: Closed with explanation
2018-04-30
Saint Louis, MO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-04-30
Citrus Heights, CA
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Company Response: Closed with explanation
2018-04-30
Winchester, CT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2018-04-30
Cadwell, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.
Company Response: Closed with explanation
2018-04-30
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
2018-04-29
Cypress, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with explanation
2018-04-29
Fred, VA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training.
After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments.
Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter.
Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation
2018-04-29
Bethany, 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 an IRS Cancellation of Debt letter from Discover Bank Card, XXXX. XXXX XXXX, XXXX XXXX, OH XXXX. Consumer was confused and was of the belief Discover Bank Card was aware of consumer 's insolvency IRS status ( XX/XX/XXXX ) regarding the closed Discover Bank card ( after written notification in XX/XX/XXXX ) sent XX/XX/XXXX. In the State of Nebraska the statute of limitations [ Chapter 25 Section 207 ] regarding debt on credit cards is 4 years. All debts are non-collectible after 10-years ( unless re-aged ) in the State of Nebraska. There has been no activity on the Discover Bank credit card ( ending in XXXX ) since XX/XX/XXXX. It is suspect that after never receiving correspondence from Discover Bank Card all of a sudden at the end of XX/XX/XXXX; ( and during Tax season ) here comes an IRS Cancellation of Debt form from Discover Bank Card. There has been no written correspondence from Discover Bank card regarding the status of the card since XX/XX/XXXX. The fact that Discover Bank Card was sending an IRS Cancellation of Debt form in the year of XX/XX/XXXX; was confusing to consumer. Therefore, consumer felt it necessary to send a copy of an IRS Insolvency worksheet ( completed and dated XX/XX/XXXX ) verifying consumer 's insolvency status regarding all of consumer 's closed credit card accounts dating back to XX/XX/XXXX, which included the Discover Bank Card. Consumer attached a letter ( along with other documents ) to Discover Bank Card and sent it via certified Mail with return receipt ( XXXX XXXX XXXX XXXX XXXX ) ; and attached a copy of the IRS Insolvency worksheet regarding Cancellation of Debts dated XX/XX/XXXX. Consumer included a copy of the IRS Notification letter ( XXXX - XXXX control number XXXX ) dated XX/XX/XXXX ; as verification that consumer was in compliance with the IRS inquiry regarding IRS insolvency, and had a satisfactory closing of the case. In response to Consumers letter, Discover Bank Card took it upon itself to " willfully '' view the verification as a " dispute '' and deliberately violate the Fair Credit Reporting Act ( " FCRA '' ) 15 U.S.C. Section 1681 ; by sending consumer a letter ( dated XX/XX/XXXX ) clarifying that Discover Bank Card had inappropriately notified all consumer reporting agencies that consumer was disputing the credit card account ending in XXXX ; and in order to do an investigation Discover Bank card sent forms requesting consumer to update information regarding a " current '' phone number ( so they could call between the hours of XXXX to XXXX collection harassment ) ; signature verification and photocopies of documents containing consumers signature for comparison. AT NO TIME, did consumer dispute or report anything regarding the Discover Bank Card ending in XXXX. Consumer sent written verification ( XX/XX/XXXX ) of the IRS Insolvency status documented with the IRS in XXXX as a courtesy to Discover Bank Card. AT NO TIME, did consumer request Discover Bank notify any consumer reporting agencies of a " dispute '' regarding a " time-barred '' Discover Bank Card ending in XXXX. AT NO TIME, is consumer providing written signatures to Discover Bank Card so those signatures can be transposed to other documents consumer has not given permission to do so. AT NO TIME, did consumer claim or report the Discover Bank card ( ending in XXXX ) stolen, misused or tampered with. AT NO TIME, is consumer playing the game of " re-aging '' a debt that has been IRS cancelled, " time-barred '' and no longer collectible after 10-years under Nebraska statute of limitations law. AT NO TIME, does consumer believe consumer owes a Discover Bank Card debt. Consumer resents the unscrupulous attempt by Discover Bank card to trick consumer into " re-aging '' a time-barred debt the IRS has determined is cancelled under the IRS insolvency doctrine. The fact that Discover Bank notified all consumer reporting agencies of a false dispute regarding a " time-barred '' debt has created undue hardship and harms consumers credit reports which now subjects consumer to collection practices that cause emotional duress ; and puts consumer 's credit rating in jeopardy of negative standing. Consumer has complied and worked hard to get consumer 's credit rating back to good standing. Consumer demands Discover Bank Card notify the consumer reporting agencies of their discrepancy and attempt to reverse the damages theyve created or be subjected to a federal lawsuit filed with the Federal Trade Commission ( FTC ) ( and the state of Nebraska ) regarding violation of the Fair Credit Reporting Act ( FCRA ) ; and do so expediently. Consumer has attached copies of the XX/XX/XXXX letter to Discover Bank card, U S tracking receipt that verifies Discover Bank received the letter, Nebraska Statute of Limitations ( SOL Chapter 25 Section 207 ) regarding credit card debt collection and IRS Cancellation of Debt form ( scroll to Page 8 of the IRS booklet ) verifying insolvency of consumer for the year XX/XX/XXXX. Consumer will pursue all legal remedies in this matter if this matter is not resolved within thirty ( 30 ) days from the date of this formal complaint with the CFPB. Consumer appreciates this venue of mediation and resolution provided by the CFPB. The CFPB has been a wonderful avenue of protection for the general public. Consumer thanks you for all you do.
Company Response: Closed with non-monetary relief
2018-04-28
Tempe, AZ
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2018-04-27
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-04-27
Williamston, MI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation