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 134
2018-04-27
MI
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
Complaint: They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions
Company Response: Closed with explanation
2018-04-27
Surrey, ND
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
2018-04-27
Bon Air, SC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2018-04-27
Kissimmee, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2018-04-27
PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.
Company Response: Closed with explanation
2018-04-26
Boca Raton, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover closed my credit card without indicating any reason, most likely to avoid having to pay out for the significant amount of rewards I have accumulated. By closing my card before the first year promotion, " We'll match all the Miles you've earned at the end of your first year. ", Discover is avoiding having to pay double the rewards. This is a complete switch and bait scam.
Company Response: Closed with non-monetary relief
2018-04-26
Tuckasegee, NC
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
2018-04-26
Dix Hills, NY
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2018-04-26
Kawaihae, HI
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: XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.
XXXX report says : Discover bank XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''.
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this.
XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''.
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this.
XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
Company Response: Closed with explanation
2018-04-26
MN
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
2018-04-26
Encino, 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: Discover Card is incompliant with CFPB regulation that : " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days ''.
Discover Card " ADMITTED '' that the card issuer was notified of fraud activity on XX/XX/XXXX. They completed the investigation and mailed out the final decision on XX/XX/XXXX. They took more than 90 days and/or 2 billing cycles.
According to CFPB, a credit card issuer must adjust charges " even if it has concluded against the card-holder ''.
Company Response: Closed with explanation
2018-04-26
Long Beach, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-04-26
Boca Raton, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover closed my credit card without indicating any reason, most likely to avoid having to pay out for the significant amount of rewards I have accumulated. By closing my card before the first year promotion, " We'll match all the Miles you've earned at the end of your first year. ", Discover is avoiding having to pay double the rewards. This is a complete switch and bait scam.
Company Response: Closed with non-monetary relief
2018-04-26
Neosho, MO
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
2018-04-25
Federal Way, WA
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 purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise.
I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation.
I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation.
XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.
Company Response: Closed with explanation
2018-04-25
Chatsworth, CA
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 non-monetary relief
2018-04-25
Briar Park, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-04-25
IA
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: MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME
Company Response: Closed with explanation
2018-04-25
Arco, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount.
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too.
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest.
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point.
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep.
taken the money back as I pay off the balance. I need help with this major issue!
Company Response: Closed with explanation
2018-04-24
Norcross, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2018-04-24
Wonder Lake, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me.
On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months.
There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal.
Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds.
XXXX XXXX Discover Card number ending XXXX
Company Response: Closed with explanation
2018-04-24
Aurora, CO
Struggling to pay your loan
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Closed with explanation
2018-04-24
Thune, NE
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
2018-04-24
Bronx, NY
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: I didt apply for this card
Company Response: Closed with explanation
2018-04-24
Blmgtn, IN
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation