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 142
2018-03-26
TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with explanation
2018-03-26
Northside, NC
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Started this log on XXXX XX/XX/XXXX.
I have been a Discover cardholder since XXXX and have never missed a payment. I have automatic payments set-up to pay in full each time. Also, my FICO score is XXXX ; so no credit related issues.
XXXX XX/XX/XXXX ( XXXX XXXX ) Received a phone call at from XXXX. Since I didnt know the number I let it go to phone mail. When I listen to the message, it was from Discover card saying I need to contact them immediately. I have a copy of the phone mail. I tired to log into my account online but was unable to do so.
XXXX XX/XX/XXXX ( XXXX XXXX ) I returned the call. I was immediately directed to the security group who explained that although there was no breach of my account and no unauthorized use, However, they placed a security hold on my account per a new security procedure that they are doing. This act locked my account so I can not view anything. I was also told that Discover card would be sending me a letter within 3-5 days with directions on how to get my account unlocked. I asked what they needed and why and was told a copy of my Social Security card. I told the guy this sounds like a scam and said I would call Discover card directly ( the number on the back of my card ). He said OK.
XXXX XX/XX/XXXX ( XXXX XXXX ) Using the phone number on the back of my Discover card I called and was again transferred to the security department to a customer representative who was extremely rude. I was shocked. She essentially threatened me saying if I didnt comply and send a copy of my social security card in the mail that they would cancel my account.
XXXX XX/XX/XXXX ( XXXX XXXX ) I called the Attorney General Office and spoke to a woman who was very nice. I did not catch her name. I explained what had happened so far and she informed me to not send a copy of my Social Security card ; but to file a claim online and enclose a copy of the letter once received. One thing that she mentioned ( which I thought was important ) was that when I applied for the Discover card I provided all of the necessary information including my Social Security number at that time and the card was approved. Therefore, I should never have to do this again.
XXXX XX/XX/XXXX ( XXXX XXXX ) Arrived home and I called Discover card and spoke with XXXX. He explained that Discover card is trying to confirm my social security number with XXXX. I told him that if you cross check Discover card records with my XXXX records you would see that the Social Security Number is the same. I also told him at that time, that I have all my credit bureau as accounts locked down for my safety. While this was recommended after the XXXX security breach, I have had this in place for numerous years. Always better safe then sorry. Since I do everything with Discover card electronically, without access, I needed to be able to see my statements for my account and asked if they could send me copies for all XXXX as my next bill will be due XXXX XXXX. I just wanted to be sure that if my account is frozen that my next bill would be paid and I was reassured that the electronic bank transfer to pay my bill in full would occur. I also had a credit on my account that I wanted to apply to the next payment. To accomplish this, I was transferred to billing to XXXX. She said she could not help me so she transferred back to security to XXXX who took care of this. XXXX was great and doubled checked everything so could receive copies of my statements too.
My primary concerns are as follows : 1. I would prefer not to and can not justify sending or faxing a copy of my Social Security card to Discover card. That goes against everything I know about protecting oneself from identity theft. When I applied for this credit card back in XXXX, I provided my Social Security number ( encrypted online ) through the Discover Website ; they did a credit check and then sent me a credit card. I signed up for direct payment ( in full each month ) and have never missed a payment. Never a problem since inception.
2. As explained to me by the Discover Customer service representatives, if I do not comply, they will close my account. I am OK with that ( not a problem ). After having to deal with all of this hassle, I would rather not give them my business anyway. However, ( 1 ) this request makes no sense to me and their letter came to me later then 3-5 days and ( 2 ) my primary concern is if they close my account, will that action negatively impact my credit rating? If so and this action will impact my credit rating, is there anything I can do?
Thanks in advance for your assistance.
From XXXX XXXX : My social security card was issued in the XX/XX/XXXX and it says clearly : Not for identification. Thats because when these numbers were first introduced in the XX/XX/XXXX they were meant for one reason, and one reason only : To track our Social Security contributions to the giant government pool so we could rightfully claim benefits later in life.
Company Response: Closed with explanation
2018-03-26
Pittsford, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: On XX/XX/XXXX, I was attempting to pay my student loans on the Discover Student Loans website. On 3 occasions, when I tried to submit payment, I got a message that the transaction was not successful and to try again. When I looked at my bank account the next day, I saw that {$1000.00} in excess of my loan payment had been taken out from my bank account. I checked with Discover and they had not credited any of the {$1000.00} to my account.
I have called Discover multiple time to get the {$1000.00} refunded to me. I have even provided them with the transaction numbers and trace numbers from the amounts withdrawn from my bank account. Every time that I call, I am told that they have not been able to locate the funds in their system and that I need to wait. I am frustrated by the lack of urgency on their part, even as I explain to them that I am in need of the funds. As of today, XX/XX/XXXX, I do not have any indication from Discover that they will be able to locate my funds and return them to me.
Company Response: Closed with explanation
2018-03-26
Fort Washington, MD
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
2018-03-26
Jamaica, NY
Closing an account
Checking or savings account: Savings account
Funds not received from closed account
Company Response: Closed with explanation
2018-03-26
Lexington, KY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX has violated x 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
2018-03-26
Brooklyn, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I am writing now in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Company Response: Closed with explanation
2018-03-26
NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Discover has violated x 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
2018-03-26
Azalea Park, FL
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
2018-03-26
Three Bridges, NJ
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
2018-03-26
Torrance, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-03-25
New Britain, CT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I XXXX XXXX have requested and so has my wife for the removal of Discover Card from my personal credit profiles, as I am not a responsible party to the account. My wife is currently in negotiations to settle the Discover Card, and at this time am offer has been made and is being countered. However, I am not a responsible party and any reference to me personally should be removed from all credit bureaus immediately. I have attached faxed correspondences to Discover Bank and no action has been taken. Therefore, I request the Consumer Financial Protection Bureau to help me with this error on behalf of a national bank FDIC insured, and to follow legal protocol.
Company Response: Closed with explanation
2018-03-25
Sacramento, CA
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: Inam making payments for 3years but rhey keeping on adding fradulent articles and even sheriff dept was reported and they told me that its okay and we got it but never stolped or investigated the matter. its a serious issue and i was told to consult your agency. I have good faith in you
Company Response: Closed with explanation
2018-03-25
Rochdale, NY
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: Hello My name it XXXX XXXX, i am writing this regarding about discover credit card. In my discover credit there were multiple charges from XXXX XXXX. Those transaction was made between XX/XX/XXXX to XX/XX/XXXX. There were 5 transaction was made total amount of XXXX which i am aware of it. There was a incident happen on XX/XX/XXXX i went to XXXX XXXX to get something when i got home i didn't have wallet with me. On that time my discover card was in there. then i realize that i may have dropped my wallet at the XXXX XXXX and i was right next day i went to XXXX XXXX and i got my from the master on duty was in lost and found section. After 2 week when i check my credit card i see there was multiple changes form XXXX XXXX. Then i called discover and they assure me that those charges will be taken care of. later they open an investigation from their site. Now after 4 months discover is saying i am reliable for that changes. They said there was other things was purchase at the same day which i am aware of it. they said because i had the card during the purchase thats i am reliable for that changes. Now my question is at that moment of those transaction i wasn't even in the deport. I DID NOT authorize those charges. If discover hold me responsible for those changes they prove that i was physically there. i am 100 % positive they can't prove it because i know i wasn't there at the time of transaction. i did not authorize those charges.
Company Response: Closed with explanation
2018-03-25
Wallington, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Submitted a payment onXX/XX/XXXX. Payment posted to my bank account XX/XX/XXXX. Discover did not credit my account for the payment. I brought this to their attention and they had me submit a copy of my bank statement and was told they would correct the error. As of XX/XX/XXXX my account was not credited.
Company Response: Closed with explanation
2018-03-24
Rochester, NY
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
2018-03-23
Manhattan, NY
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
2018-03-23
Auburn, ME
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-03-23
South Florida, FL
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: Ref : Acct ending in # XXXX for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX credit report.
Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.
I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.
Company Response: Closed with explanation
2018-03-23
Cocoa, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: Purchase Protection damaged or stolen i got mugged at gun point and was denied because i was mugged in my car ... the item was in my pocket.. this is a fraud service.. they change the reason 3 times on me ...
Company Response: Closed with explanation
2018-03-23
Nyc, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I had a student loan being serviced by Discover. I refinanced this loan through XXXX. XXXX sent a check for {$19000.00} to Discover to pay off the loan on XX/XX/XXXX. On XX/XX/XXXX, Discover deposited the check.
Discover is saying they have not received this payment. XXXX sent me a copy of the cleared check to send to Discover as proof of payment. I uploaded the copy of the cleared check to my Discover account on XX/XX/XXXX, and I called them to make sure they received it. They said they have it, and they will look into it.
On XX/XX/XXXX, I called them again because I kept getting notifications that my account was past due. They said they are still looking into it.
My dad, who cosigned the Discover loan with me, was getting the past due notifications too. When he called them, he was told that both of us would get a negative report to the credit bureaus, if we don't pay. When he mentioned the document of the cleared check that was uploaded by me and the calls that I previously made, they said they have no record of any uploaded check or any record of an ongoing investigation into the payment.
Discover removing the investigation, and not notify me that they are no longer looking into my issue, is unacceptable. Worst of all is threatening to send a bad report on both my dad and me to the credit bureaus, when they won't even thoroughly investigate what happened to the payment from XXXX.
Company Response: Closed with explanation
2018-03-23
Tarzana, 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: 1. I disputed the fraudulent charges made in the amount of {$15000.00} ( approximate ).
2. Most of the charges were made overseas ; I have been in the States during those dates. I requested that the charges to be removed from my account.
3. I have provided all of the necessary documents they required, such as police reports.
4. I have reported fraud and disputed charges in XX/XX/XXXX.
5. Discover sent me a letter in XXXX stating that they have concluded the investigation and will adjust all the charges.
6. On XX/XX/XXXX Discover sent me a letter stating no fraud and all the charges were put back into my account.
7. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Discovercard took 5 months!!!
Company Response: Closed with monetary relief
2018-03-23
Crest Hill, IL
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
2018-03-23
Frenchville, PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.
A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.
After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.
They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.
I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.
I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
Company Response: Closed with explanation
2018-03-23
Three Bridges, NJ
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