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 150
2018-02-24
Valley Glen, 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
2018-02-24
PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company forcing arbitration
Complaint: I have filed a fraud claim with Discover Card. I have TWO active police reports. I am ALSO a victim of Identity theft the amount on the claim is $ XXXX.Stolen Discover card. I was initially denied the fraud claim with discover while there are TWO active police reports. The action was done by an active drug user who actually called discover admitting to her actions. Discover Confirmed this to me yet is trying to re invoice me. Date of Fraud Transations is XX/XX/2017. Criminal went and said XXXX came XXXX Conquered. She even agreed to come to police department and never showed up. Discover is COMPLETELY in the wrong in this situation. I have all the actions including TWO active police reports. In getting discover they state they have fraud protection. This is clearly fraud. How could they victimize some one who was victimized by a crmimial.?
Company Response: Closed with explanation
2018-02-24
Freysville, PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-02-24
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
2018-02-24
Castleton, IN
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
2018-02-23
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.
Company Response: Closed with explanation
2018-02-23
Edison, 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
2018-02-23
Grover Beach, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report
Company Response: Closed with explanation
2018-02-23
Carrollton, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with monetary relief
2018-02-23
Escondido, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2018-02-22
Lk Buena Vis, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I aply for Discovers Credit card and they send me by email they more information and I call they Check process after about 30 minutes they say My Credit is very short to aproved I have on this time over 660 for me ist about because XXXX XXXX XXXX and This is racism
Company Response: Closed with explanation
2018-02-22
Indianapolis, IN
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
Complaint: I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
Company Response: Closed with explanation
2018-02-22
San Jose, CA
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with non-monetary relief
2018-02-22
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2018-02-22
Fayetteville, 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
2018-02-22
Alden, 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
2018-02-21
Spring, TX
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
2018-02-21
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
Complaint: On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right.
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.
Company Response: Closed with non-monetary relief
2018-02-21
Aurora, IL
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 non-monetary relief
2018-02-21
Long Beach, 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: Shortly after using my card for the first time, several suspicious transactions appeared on my account, payments were misapplied, fees were assessed and interest was added to the account balance without a proper explanation of the charge nor were they included in the account history.
Unfortunately I did not recognize this suspicious activity until much later which I believe was due to my browser redirecting me to a fraudulent Discover website.
Upon the discovery of these odd events, I contacted Discover to dispute the unauthorized transactions, the erroneous fees, and to report the misapplied payments.
This dispute was opened XX/XX/XXXX but it wasnt until XX/XX/XXXX that I was sent a new card and received confirmation that an investigation was opened.
Around this time, I was sent a list of the items that were to be disputed. The list of the disputed transactions I had requested was inaccurate and included several payments that were successfully applied to the account.
Discover requested I either add or remove items on the list and asked me to return this list along with the signed affidavit of fraud. Prior to its submission, Discover took it upon themselves to dispute almost every transaction and payment that was made on the account.
Then, for some unknown reason, I stopped receiving my monthly statements and requested copies. Discover did not honor this request until three cycle periods later and, when the statements did finally arrive, I was shocked to see how the disputed transactions were itemized. These items were reversed several times, as if they have been paid more than once, then, some of these reversals were re-charged as new purchases, re-reversed then re-charged, all in the same statement period including items that I was unfamiliar with.
Then, after calling Discover to clarify the information that was contained in these statements, additional copies of statements were sent to me but this time, I received statements for the old account during the disputed time periods when I was under the impression the account balance had just transferred over to the new account number and was deleted. This was now a third record in my possession with varying transaction histories.
On XX/XX/XXXX I received notice that Discover had completed its investigation and concluded that no fraud had occurred which I disagree with.
When calling to request more information, I was told that because I made payments online, it was not possible the account was misused. I made several reports that the website was acting suspicious, and requested information validating the websites legitimacy. I continually reported problems that I was having when printing my online statements. I reported receiving phishing emails and, I reported payments that I attempted online were never applied to my account. Because of these incidences, I can not comprehend how the use of the website could validate the decision to not complete a proper investigation.
When searching one of the misapplied payments on my account, the item comes up on ten different occasions. The totals for these ten transactions result in a positive credit of {$1400.00} which would lead a person to suggest two {$700.00} payments were made, yet this amount was never deducted off the balance. Then, adding to my suspicions, two days after this payment was rejected, my card details show that my cash advance credit line availability was negative {$660.00}. Furthermore, my statement has a {$0.00} cash advance charge which was not included in the transaction history and a {$0.00} charge showing as a minimum interest fee and appears under the fee summary and not as an interest charge.
Disappointingly, on XX/XX/XXXX, 6 days after the investigation was completed, I received notice that Discover closed my line of credit without a valid explanation.
Throughout the months of XXXX, XXXX through XXXX, XXXX, myself and my mother whom is an authorized user on the account have made numerous calls to almost every department of Discover attempting to have someone explain to us the confusing statements, to ask why our account was closed as well as to ask why Discover failed to conduct an appropriate investigation. Each call has ended without a fair resolution and conveyed an unwillingness to explain the variations in the account histories.
Lastly and perhaps most frustrating, on XX/XX/XXXX, Discover emailed me a revised letter disclosing that the prior letter sent to me regarding there decision to close my account was incomplete. Discover is now claiming there decision was based on my account having an unsatisfactory payment history.
I am extremely upset that Discover is now trying to justify this as a valid reason to close my account especially, since the date of the first correspondence mailed to me, each of my monthly payments were sent in a timely and satisfactorily manner, with some months even paying double.
This excuse comes off as a direct attack on my character by disclosing false information portraying that I failed to comply with the account procedures. This may be an attempt to hide the fact that my account was closed after I exercised my right to dispute. And, by doing so, Discover should be held responsible for conducting unfair, deceptive, and unlawful business affairs.
Discover should also be held accountable for knowingly making false statements, possibly manipulating statements, applying unnecessary charges to my balance, and failing to provide a clear record of what I am being charged for. Lastly I would like for them to compensate me for the time myself and my mother have wasted trying to sort out this mess, and for damaging our credit worthiness. This account was the oldest account on my credit report and by closing it with an outstanding balance has caused my credit score to drop substantially.
Company Response: Closed with explanation
2018-02-21
Thousand Oaks, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-02-21
Dayton, OH
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-02-21
GA
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 didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}
Company Response: Closed with explanation
2018-02-20
Chula Vista, CA
Dealing with your lender or servicer
Student loan: Private student loan
Don't agree with the fees charged
Complaint: Please see CFPB complaint XXXX and note I recently submitted to XXXX XXXX XXXX XXXX XXXX office complaint XXXX regarding XXXX. Note there are issues with my cosigner. There is a malicious takeover of commercial interests and extends back to personal matters. Some of her family has been involved and I believe has used her co signing on this loan and other things in various matters they have sought to deny and deprive me information of. Not only is information being denied, but my accounts are being monitored and cut off and the communications I do receive are hijacked. I intend to ensure the copyright I made is put in my name. This individual is not communicating with me and I believe from others I am being victimized. There are other complaints. There properties were put into foreclosure. I was not informed and I do have overlapping property. I want to know how these loans were taken into account. Some of those involved in takeover do stem from the program I attended at XXXX I believe but since then the program has dissolved diminishing it's value and I was not notified. Here is text to the complaint. Please also note the check I received from Discover number XXXX is not valid and I need a new one. However I requested information about this due to suspicions about this program and it's connection to other matters. hence I would like this addressed also. I am seeking discharge and repayment to the listed parties. Here is my complaint made referencing XXXX because they were the original loan holder and believe this transfer could be due to my situation. Please explain and provide me the original documents from XXXX also. Again here is complaint XXXX made to XXXX XXXX XXXX XXXX XXXX : The XXXX XXXX XXXX program I obtained these loans to attend dissolved diminishing the value of the program. I believe it is apart of the privacy and human rights violations I have experienced apart of a long range takeover of commercial interests. For example, some could extent to copyright XXXX which is a film/tv project regarding the anti nuclear movement from the 70s and 80s. However, I would like to also emphasize I believe there is IP ( that I have not formalized and the oppression I am experiencing designed to prevent ) regarding ediscovery. ISO began developing a set of ediscovery standards that actually began after these matters and is currently in the process of updating and implementing more for example standards XXXX and XXXX and due to being violated in a medical procedure some of this now may interact with what I believe is a cortical modem of some kind interacting with my account and ediscovery process. However, this XXXX XXXX program is something I believe was targeted as apart of their long term de meriting process. and the student loans themselves something those have targeted in their attempts to degrade me. XXXX XXXX, the individual whose name I put the copyright in was a co signer. Her family has been exceedingly malicious and I believe targeting my life even before. Hence I believe these loans were a factor even prior to their transfer to Discover. I am requesting all details of these loans and any information regarding them. In terms of participating in the financing of my projects and unfortunately complicity in takeover attempt. XXXX could be an involved party, and these loans used for those purposes also. I need to know if they are involved in this in anyway also. Please see attached CFPB complaint regarding Discover for details on issues related to that.
Company Response: Closed with non-monetary relief
2018-02-20
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
Complaint: On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks.
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ).
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this!
Please help me get my money back from these conn artist, I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers.
Thank you in advance for your help with this matter.
Company Response: Closed with explanation