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 145
2018-03-15
Discovery Bay, CA
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: I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.
Company Response: Closed with explanation
2018-03-15
Clermont, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have had a credit card with Discover for several years and for the most part have made the monthly payments with the same savings account until sometime in XXXX or XXXX of 2017, I called in the payment received my confirmation #, the following month I again called in a payment only to be told that I missed the last payment, so again I gave them permission to submit the payment to my acct and received a confirmation number only to find out the next month that again the payment was declined by my bank due to Discover not submitted the information accurately, turns out that one of their employees made an inputting error which was just allowed to continue with no attempt on their end to find out why 1 month the payment goes thru and the next it is declined given that both attempts were made using the same saving acct and routing number. This is unacceptable and I have done everything they asked me to do including calling Discover to have Discover make a 3 way call with me bank to verify the account number routing number are accurate as well as there are sufficient funds available to process the payment and somehow they still found a way to make the same mistake again, the level of incompetence on their part is not acceptable and this matter needs to be handles asap. I have asked that any and all correspondence by made via e-mail for my protecting given that everything they have told me has turned out to be 1/2 truth or an outright lie, they declined my request, so as far as i am concerned I have done everything they asked me to do and in return they have done nothing they said they would do, This is by far and away the worse company I have every come in contact with, i blows my mind to thing that such a large company has such poor training and customer service. I have another credit card with another company and they seem to be able to process the payments just fine. they need to take responsibility for their mistakes and do want ever is needed to make things right.
Company Response: Closed with monetary relief
2018-03-15
La Grange, KY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-03-15
Dolton, IL
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
2018-03-15
Boston, MA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation
2018-03-14
Fort Pierce, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief
2018-03-14
Beverly Hills, MI
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: This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer.
I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages.
I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics.
I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit.
Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks.
NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.
Company Response: Closed with explanation
2018-03-14
Three Bridges, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Closed with explanation
2018-03-14
Three Bridges, NJ
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
2018-03-14
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem getting your free annual credit report
Company Response: Closed with non-monetary relief
2018-03-14
Three Bridges, NJ
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
2018-03-14
Three Bridges, NJ
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
2018-03-13
Kansas City, MO
Confusing or misleading advertising or marketing
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.
I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.
TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.
I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.
Company Response: Closed with non-monetary relief
2018-03-13
Eagle, ID
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with non-monetary relief
2018-03-13
Chenequa, WI
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
2018-03-13
CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT RESET to lower levels once an account is back in good standing.
During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account.
I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction.
I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %.
My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.
Company Response: Closed with non-monetary relief
2018-03-13
Atlanta, GA
Opening an account
Checking or savings account: Savings account
Unable to open an account
Complaint: I applied for an account with Discover Bank and was unaware that it was a savings account. Once I was told that it was a savings and that no debit card would be issued I chose not to have the account. The account shows on XXXX XXXX XXXX and I would like to request that it be removed off of the report.
Company Response: Closed with explanation
2018-03-13
Orion Twp, MI
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: I went on line to XXXX who I have dealt with before to book a future reservation.
The website was clear, that they needed my credit card, BUT NO MONEY WOULD BE CHARGED ON MY CARD AT THIS TIME. At XXXXEST, today XX/XX/2018, I received a standard notification from my Discover Card, that XXXX XXXX AN UNAUTHORIZED FRAUDULENT CHARGE FOR XXXX
Company Response: Closed with explanation
2018-03-13
Opening an account
Checking or savings account: CD (Certificate of Deposit)
Unable to open an account
Company Response: Closed with explanation
2018-03-13
Dallas, 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
2018-03-13
Symbol, KY
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
2018-03-12
Barrington, CA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with non-monetary relief
2018-03-12
Cleveland, OH
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 explanation
2018-03-12
NV
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: Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ...
give back my money and I have uploaded all of my documents what else do you need!!
Company Response: Closed with explanation
2018-03-12
Arlington, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief