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 148
2018-03-03
Springfield, MO
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
2018-03-03
NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have had Discover Card since XXXX and have an outrageous rate of 18.99 % on purchases from XX/XX/XXXX and prior. When I called to ask why it is so high I was told ( on XX/XX/XXXX ) that I had a late fee on XX/XX/XXXX which increased the rate to 23.99 %. At some point they did reduce the rate to 18.99 % but will not reduce it further because I " signed that I knew the policy. '' Can Discover Card continue to penalize me after 10 years? They don't care why I was late or that I have paid on time regularly for years. Is there anything I can do? I'm trying to retire and can only do it if I can pay my bills down.
Thanks for any help.
Company Response: Closed with non-monetary relief
2018-03-02
Cave Spring, VA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted your employer
Company Response: Closed with non-monetary relief
2018-03-02
Bloomington, MN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.
Company Response: Closed with non-monetary relief
2018-03-02
Mill Valley, CA
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
2018-03-02
Parker, CO
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
2018-03-02
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
2018-03-01
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: I WAS CHARGED FROM A COMPANY THAT I NEVER DID BUSINESS WITH AND I HAVE NO IDEA WHO THEY ARE. I CONTACTED DISCOVER CARD AND THEY TOLD ME THEY COULDNT HELP ME BECAUSE I DID MAKE THE TRANSACTION WHEN I DID NOT. THEY ACCUSED ME FOR THIS CHARGE AND TOLD ME THAT I AM JUST TO OLD TO REMEMBER. HOW DARE THEM SPEAK TO ME THAT WAY. I NEVER DID BUSINESS WITH THIS COMPANY. THE COMPANY NAME WAS XXXX XXXX XXXX AND THEY CHARGED MY CREDIT CARD XXXX ON XX/XX/13. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Company Response: Closed with explanation
2018-03-01
Ridley Park, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I received a 2017 XXXX from Discover Bank about an old credit card account I had. Since they cancelled the debt and I have to report it as earned income, the balance on all of my credit reports should be {$0.00}. I have tried disputing the amount with all three bureaus, and they keep saying that the amount has been verified. How can Discover Bank cancel the debt and still say that balance is valid?
Company Response: Closed with explanation
2018-03-01
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-03-01
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: Good payment history with companies only one missed payment would like to have removed from credit reports.
Company Response: Closed with explanation
2018-03-01
Federal Way, WA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card.
They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.
Company Response: Closed with explanation
2018-03-01
Lakeland, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: In letter, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to DISCOVER and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations.
Company Response: Closed with explanation
2018-02-28
Columbus, OH
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2018-02-28
Lk Buena Vis, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I got a secured card with Discover in XX/XX/2016 and was told they review to graduate at 7 months. I am at 14 months, have excellent history and have built up my credit. I have been preapproved for a new discover card for 2 months but keep getting strung along about this one graduating. I have called 3x to cancel but keep being asked to give it more time. I even got the " privilege '' of 0 % interest on my own $ as a tactic to not close my account though I have always paid in full. They have done away with the protections and shopping benefits they had when I got the card and the only thing I keep waiting on is the fact that if I close the card I have to wait 2 billing cycles plus 5-7 days yet if it graduates I can have the check in 5-7 days. All I want is my card to graduate. How am I good enough to get a new account yet the one funded with my own money won't graduate?
Company Response: Closed with explanation
2018-02-28
Magnolia, TX
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
2018-02-28
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Public record information inaccurate
Company Response: Closed with non-monetary relief
2018-02-28
San Antonio, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form. XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
Company Response: Closed with explanation
2018-02-28
San Antonio, TX
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
Complaint: I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form.
XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
Company Response: Closed with explanation
2018-02-28
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
2018-02-28
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-02-28
MI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments
Company Response: Closed with non-monetary relief
2018-02-28
IL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago ....
I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.
Company Response: Closed with explanation
2018-02-28
Henrico, VA
Credit monitoring or identity theft protection services
Credit card or prepaid card: General-purpose credit card or charge card
Problem with product or service terms changing
Company Response: Closed with explanation
2018-02-28
Brooklyn, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: I, XXXX XXXX, was doing business with Discover card since XX/XX/XXXX. They took out protection policy for me without my knowledge. I paid for this unnecessary action up to XX/XX/XXXX. I just happen to notice it when I'd final paid off the balance due. But Discover card still took out money from my account. And, NO notice was given that my account was paid off! I had to call them to stop. Otherwise, they would have continued. It was then that I noticed the unauthorized protection payments. The agent I spoke to stated the company would refund me {$300.00} and that the check would be sent to me if I kept my account open. I was told this XX/XX/XXXX. I kept the account open until XX/XX/XXXX. I'd waited but no check came. I called to find out when I'd get the money. I was told XX/XX/XXXX that I would be paid only {$22.00}. I was lied to.This is not acceptable cause a deal is a deal.Thank you for your help XXXX XXXX, Email : XXXX, cell # ( XXXX ) XXXX-XXXX
Company Response: Closed with monetary relief