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 155
2018-02-02
Staten Island, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XX/XX/2017 I am being hit with a hard inquiry from Discover Card.
This was fraud as I did not apply for another Discover Card as I already have an account.
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name.
XXXX and XXXX were also gon na remove it but still have yet to do so.
Company Response: Closed with explanation
2018-02-02
Fort Lee, NJ
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
2018-02-01
Alden, IL
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-02-01
Arcadia, 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
2018-02-01
Mckeesport, PA
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
2018-02-01
Baltimore, MD
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-02-01
Warrenton, VA
Incorrect information on your report
Student loan: Private student loan
Account information incorrect
Complaint: Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score.
XX/XX/XXXX : Initially reported to Discover via online account message system.
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report.
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX.
XX/XX/XXXX : Received response that they have received the provided document.
XX/XX/XXXX : Requested status update.
XX/XX/XXXX : Received response that additional time was required to review the issue.
XX/XX/XXXX : Requested status update.
XX/XX/XXXX : Received response that additional time was required to review the issue.
XX/XX/XXXX : Requested status update.
Company Response: Closed with non-monetary relief
2018-02-01
Castle Gate, UT
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
2018-02-01
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
Company Response: Closed with explanation
2018-02-01
Jamaica, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-02-01
Webster, NY
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-02-01
San Diego, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2018-01-31
Las Vegas, NV
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
Complaint: last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.
Company Response: Closed with monetary relief
2018-01-31
Rock Hill, MO
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-31
Tustin, 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
Company Response: Closed with explanation
2018-01-31
Hudson, NC
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
2018-01-31
Corpus Christi, TX
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
Complaint: Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously. Why are they calling me everyday? Home number XXXX.
Company Response: Closed with non-monetary relief
2018-01-31
Discovery Bay, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2018-01-31
Matteson, IL
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-01-31
Issaquah, WA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-31
KY
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills.
They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny.
I would like your assistance in getting my money back. Thank you.
Company Response: Closed with monetary relief
2018-01-30
San Francisco, CA
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not received from closed account
Company Response: Closed with explanation
2018-01-30
Glen Allen, VA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-01-30
TX
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I was the primary account holder on a joint account opened with DISCOVER in XX/XX/XXXX with a credit limit of {$3000.00}. The secondary holder was my father who cosigned the application after the lender required I provide a cosigner because I had never had a revolving credit card before.. from the opening of the account until XX/XX/XXXX all payments were made on time. XX/XX/XXXX I was the victim of identity theft and had my entire bank account emptied so my credit union canceled my bank card and reissued another. when the automatic payment collection by Discover attempted to collect it was returned unpaid. I fell behind in all my bills after having to cover two different bounced checks that were returned to my bank unpaid from two different individuals that cost me in excess of {$3500.00} and overdrawn my bank account. because I live on a fixed income and don't work due to a XXXX I couldn't continue making the payments on the credit card. I called and asked that the account be frozen and that I had planned on paying the entire balance of in a couple months. In XX/XX/XXXX I initiated a one time electronic funds transfer from another bank using the XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. I provided the routing number and account number of the account to be debited for the payment on XX/XX/XXXX using a telephone request to the payments section of Discover. On XX/XX/XXXX Discover completed a required account verification information transfer to ensure the proper bank routing number and account number were being accepted by the receiving bank. after positive confirmation of both the routing number and account numbers matched. The request for funds transfer was made on XX/XX/XXXX after waiting the required 6 days as stipulated by the XXXX rules. The payment request was approved and the receiving bank paid the amount requested to discover for the entire outstanding open balance on the account. I received an emailed receipt from discover on XX/XX/XXXX stating payment was received on XX/XX/XXXX. I called Customer Service at Discover on XX/XX/XXXX and verified the payment was collected and the account balance on the credit card was reduced to XXXX. Discover stated that because I had made no payments since XX/XX/XXXX they were reducing my available credit limit on the account to {$500.00} and unfreezing it. I had to request a new card since I could no longer find my original. the next communications I received from discover from XX/XX/XXXX through XX/XX/XXXX all related to the new card I was being sent. On XX/XX/XXXX I received notice to log onto the Discover server and retrieve an important message. After resetting my account password and logging into the server I was provided a generic message stating the original payment posted on XX/XX/XXXX had been reversed and I now had to pay the total owed on the account again.
The XXXX who processes the ACH 's for the XXXX XXXX XXXX has very stringent guide lines concerning reversals of funds transfers. only three reasons exist for the originator of the transfer to reverse a completed transaction 1. ) account numbers were mismatched, 2 ) duplicate transaction, 3 ) amount requested and amount received did not match and in all three cases the reversal must be done within 24 hours of the original transaction. Because I was the originator of the transfer and I didn't inform Discover to reverse the transaction even If it was reversed after the 24 hours which is not allowed. Any decision to in any way move the payment received from paying the balance on my account was done at the sole discretion of Discover in an attempt to defraud me and to have me pay a second time. This act is known as " Double Dipping '' Both myself and my father have never received any notices or letters concerning this issue and we have had the account closed and charged off by Discover who has reported on both of our credit reports that the amount charged of of over {$3500.00} was on an account with only a {$500.00} credit limit and not the original {$3000.00} so now all credit reporting bureau 's are calculating their credit scores on fraudulent data that shows a debt to credit ratio of more than 700 %. My fathers credit score has been reduced from a XXXX to XXXX due to this false reporting and mine has gone from XXXX to a XXXX.
XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2018-01-30
Annandale, VA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation