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 156
2018-01-30
Valley Glen, 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 explanation
2018-01-30
E Massapequa, 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
2018-01-29
Philadelphia, PA
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
Complaint: I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
Company Response: Closed with explanation
2018-01-29
Key Biscayne, FL
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: Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX.
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX account and anything from our relationship ... who knows what else when I left ...
He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX account.
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.
Company Response: Closed with explanation
2018-01-29
Addisleigh Park, NY
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
2018-01-28
Cincinnati, OH
Getting a loan
Student loan: Private student loan
Fraudulent loan
Complaint: I applied for a student loan with Discover Student Loans on the XX/XX/XXXX with the intention of going to XXXX XXXX University. Discover Student Loans did not mention in it's advertisement nor disclosures that contingent upon loan approval that a cosigner is required. When I called to speak with Discover Student Loans I was told that the reason that I needed a cosigner was not based upon my excellent credit history however an agreement they had with the university as XXXX XXXX University has/had a high dropout rate. I was not given this information prior to applying for the loan, the information I was given was unfair, deceptive, and fraudulent. It altered my individual perception as someone applying as if I would have known this information upfront in public data on their website or in the material pertaining to discolors and agreements I would not have applied for the loan. This is resulted in a hard credit inquiry on my credit report because of the company 's blatant negligence in giving consumers adequate information pertaining to student loan applications. I did see on the website that a cosigner may improve chances for approval of the loan, but nowhere did it mention that I would need a cosigner based on the university/college drop out rate. I called again to try to get more information about student loans in the later part of XX/XX/XXXX with the intention of getting information on the loan I originally have applied for as well as information regarding the process of applying for a new loan. The representative was not willing to provide more insight regarding the cosigner issue nor issue me the original document I had online.
Company Response: Closed with explanation
2018-01-27
MS
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
Complaint: The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it.
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.
Company Response: Closed with explanation
2018-01-27
Warren, MI
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
2018-01-27
Lake Balboa, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2018-01-27
NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I have a credit card with Discover for the past few years, i set up auto pay on the account a few months after getting this credit card. The monthly payment been coming out of the account for years. In XX/XX/XXXX i checked my account online ( I have online banking with this account ) and the website stated that i owed XXXX dollar plus XXXX late fee. I called the credit card company and i was told " the company was not able to get the money from the bank for XX/XX/XXXX '' i gave the customer service a new account ( XXXX XXXX ) and i was told that the payment went through. At that time i set up account alert. A few days after making this payment i got an email stating that i owed 2 months payment. I immediately though that is not accurate because i paged for XX/XX/XXXX, XX/XX/XXXX and also set up auto pay with the new XXXX XXXX account. I called customer service again and after the agent repeat the information the routing number she has was not correct. I repeated the check information and a payment of XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. A few days after i checked my credit and i saw a late payment on my credit history, from Discover card, which i know was put on my account recently, i check my credit score twice per week. Because of this company my credit score drop from XXXX to XXXX. No one from the credit card company have ever call me, or send me an email to notify me that the payment did no go through. Back in XX/XX/XXXX if i have never checked my account, at this time and date i would have owed three months payment and no one from the company would call or email me about this situation. After being aware of the problem i called many times to make sure everything was corrected and no one notify me about the problem. But, yet the company is quick to report me stating that i made a late payment. I have auto pay and all my credit cards therefore, each month each credit cards get a payment. And to see this late payment on my credit i am very dissatisfied with this credit card company service. Now i do understand when many people tell me about their experience with these credit companies, and why they top paying there credit card bills. You try to do the right things and you still get yourself in trouble. And they don't care about there customer. If this issue is not solve i am going to sue this credit card company.
Company Response: Closed with explanation
2018-01-27
Allenwood, NJ
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
2018-01-26
Carver, MA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.
Company Response: Closed with explanation
2018-01-26
Penn Yan, 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
2018-01-26
Reno, TX
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
Complaint: on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!
Company Response: Closed with explanation
2018-01-26
Hinsdale, IL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: The entire student loan process has been made extremely difficult through discover student loans. I have been struggling to make payments on my account and I have mentioned this numerous times to plenty of different customer service representatives through discover. I have requested that I speak to some sort of manager about a potential loan consolidation and all that I am ever told in response is that I am not able to consolidate. My payments are out of control and since I can not make some of the payments, my credit score is taking a gigantic hit. I am also having an extremely difficult time with identifying how much money it is that I owe. I have checked my account on Discover 's website and it is a completely different amount than what it states I owe to them on my credit report.
I have made it extremely clear to Discover that I do want to repay my debt, but they do not seem willing to help me come up with a manageable payment and each time I let them talk me into some sort of forebearance not knowing the consequences that follow. I feel like the amount I am being told that I owe is not correct. I feel as if they are adding more and more as the days go on and I do not believe that can be the interest alone. The inability to find someone at Discover that acutally wants to help is extemely discouraging. The reports that they are making to my credit score have made it impossible for me to receive an auto loan. If I can not get a car, how do they expect me to get to work each morning and pay these astromoical numbers off.
I am submitting this claim because I know that I am not alone in this. I need to consolidate my debt with Discover so that I can make resonable payments and get this loan paid off. Discover Student loans are an extremely unprofessional company and I am truly disapointed in how they have no issues taking advantage of students. Discover student loans allowed one of my loans to default early. They told me that I had called an hour to late to make a payment. I was working at the time and could not call and make the payment that I have been making until I was off work. They had allowed me to make minimum payments not explaining that all the money I was paying was only preventing my loan to charge off. They charged me XXXX per month just to prevent my loan from defaulting and did not even attempt to help me get a payment plan together to get that loan amount down. Instead, they repeat their usual saying, Can your cosigner pay? I've expressed that my cosigner is XXXX years of age and getting ready for retirement and can not pay these loans for me.
I am asking for assistance to get my loans under control. Discover student loans have been a nightmare to work with. They call constantly. They have harrassed my family members and including an aunt that I have no association with. They called her and asked for my wareabouts like I am some sort of criminal. They are making my life extremely difficult and honestly have made me regret even attending school in the first place. They do not even know how many loans I have, or the total amount I owe. I called them back in XX/XX/2016, I had asked the representative how many loans I have and the grand total of these loans. The representative told me 3 loans and they totalled around 24k. Now I am being told via my credit score that discover holds XXXX of my debt. Nothing adds up with this company and all I want is justice. It is not fair to take advantage of people in the way they do. They give you two options : 1. pay a huge montly payment that is impossible to pay or 2. let it go into forebearance so that they can slap the interest rate on there.
Company Response: Closed with explanation
2018-01-26
Lucas, TX
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
Company Response: Closed with explanation
2018-01-26
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2018-01-25
Menifee, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2018-01-25
Arlington, NY
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
2018-01-25
Bronx, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited.
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected.
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?
Company Response: Closed with explanation
2018-01-25
Bonnie View, TX
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Company Response: Closed with monetary relief
2018-01-25
Thibodaux, LA
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
2018-01-24
Spencer, MA
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
2018-01-24
Charlotte, NC
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: I 've been trying to open a checking account with Discover Bank over the past month, and I 've been met with a very concerning lack of communication with the company. I already have a credit card account and a savings account with Discover, both of which were painless processes and I 've been perfectly happy with them.
I first applied for their Cashback Checking account on ( or around ) XXXX XXXX, XXXX. I had no problems with the application process and I was told by a customer service representative that I should receive a decision letter in the mail within the next 3-5 business days or so if I was approved for an account. Eager, I called back three days later to check the status of my application, and I was told that it had been " closed '' without any explanation. I tried to get an answer out of the customer service representative, but I was told that they could not see the reason why it was closed. Instead, I was urged to submit a second application for the same kind of checking account. I stayed on the line with the representative as I submitted my second application on XXXX XXXX, XXXX, and was told it would take 5-7 business days to receive a decision letter in the mail.
Fast forward two weeks ( about 8-9 business days ), I still have received no form of documentation or communication from Discover Bank. I called their customer service line to inquire about my second application. I was told by the representative that the application had reached " a decision '' on XXXX XXXX, XXXX, but they still could not see if I was approved or not, and that I 'd have to continue to wait for the letter in the mail, as it could take up to 10 business days or so. A few days go by, and I STILL have gotten nothing from Discover Bank. I called once more to inquire about the application, and I 'm then told that my second application was " pretty old at that point '' and was urged to apply a third time.
Now I 'm starting to get angry. I published my complaint on Discover 's XXXX page on XXXX XXXX, XXXX and get a response the following day with a link that took me to a messenger chat room on their website. I repeated my issue with the customer service representative in the chat room. She told me that my complaint would be forwarded to the " appropriate department '' so they could start an investigation and would call me on my cell phone number in my account profile within 48 hours. As of today, XXXX XXXX, XXXX, they have made no attempt to contact me regarding my issue. I contacted them today via the same chatroom I used on XXXX XXXX requesting an update on the investigation. I was told by the representative that it is still " undergoing investigation '' and I would recieve correspondance in the mail, but there was no ETA on when I would recieve it.
I am now furious with this company and have decided to take action with this complaint. I 've submitted my highly sensitive personal information to this company numerous times for a simple checking account and I 've been getting nothing but the runaround from them. Nobody seems to know who 's handling my information or what 's going on behind the scenes, and I am furious and very concerned as to what 's happening with my information.
I need a direct, honest answer as soon as possible.
Thank you.
Company Response: Closed with explanation
2018-01-24
Sunnyvale, CA
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