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 157
2018-01-23
Mount Olive, OH
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned.
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX????
Please help and thank you for your time
Company Response: Closed with explanation
2018-01-23
Philadelphia, PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you in a state where you do not live or did not sign for the debt
Complaint: XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Company Response: Closed with explanation
2018-01-23
Lewisville, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX.
I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien.
The title company has not since been able to get any response from the attorney.
The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.
Company Response: Closed with explanation
2018-01-23
Key Biscayne, FL
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I am employed as a XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX/XXXX XXXX in California. From XX/XX/XXXX to XX/XX/XXXX, I handled 4 mortgage closings for this company, which was subcontracted by XXXX XXXX XXXX. I have yet to be paid for these closings. I have requested payment from XXXX XXXX and XXXX XXXX XXXX, which has not responded. The total owed to me is {$250.00}.
Company Response: Closed with explanation
2018-01-23
Hidden Valley, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company forcing arbitration
Company Response: Closed with explanation
2018-01-23
Hampton, VA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I applied for a credit card and I was told it was under review. I called the company and was informed by a staff that all I needed was to retake the application and send in a copy of my bank statement and social security card. This was to verify my address and my social. He told me that was all I needed and then I will be approved for XXXX. I submitted the items as he told me. Yet I received a letter saying I was turned down because they could not verify my information. I asked what they could not verify as I had submitted the documents they asked for. I was told they were not COMFORTABLE with my application. I feel this is very discriminatory because I have a XXXX origin. However, I am a US citizen and should be treated fairly.
Company Response: Closed with explanation
2018-01-23
San Diego, CA
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Company Response: Closed with monetary relief
2018-01-23
Wilson, NC
Communication tactics
Debt collection: Private student loan debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-01-23
Knapp Creek, NY
Took or threatened to take negative or legal action
Debt collection: Other debt
Collected or attempted to collect exempt funds
Company Response: Closed with explanation
2018-01-23
Odell, OR
Confusing or misleading advertising or marketing
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail.
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer.
Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due.
I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current.
What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?
Company Response: Closed with non-monetary relief
2018-01-22
Pueblo, CO
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation
2018-01-22
Edgewater, 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
Company Response: Closed with non-monetary relief
2018-01-22
Kerrville, TX
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
2018-01-22
Warren, RI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.
Company Response: Closed with explanation
2018-01-22
Pottstown, PA
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not received from closed account
Company Response: Closed with monetary relief
2018-01-22
Warrenton, VA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.
Company Response: Closed with explanation
2018-01-22
Desoto, TX
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
Company Response: Closed with explanation
2018-01-22
Hinkley, CA
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 monetary relief
2018-01-22
N Bethesda, MD
Opening an account
Checking or savings account: Savings account
Unable to open an account
Company Response: Closed with monetary relief
2018-01-21
Una, SC
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: I was with Discover, got behind on payments. The situation escalated and I was getting sued by Discover we arranged payments and now the debit is paid. The problem im having is that Discover hired XXXX XXXX XXXX ( law firm ) to sue me which meant account never left Discover hands, i quote " Respectfully submitted, Discover Bank By Its Attorneys ''. So now that the money is all paid Discover changed my account from Closed to Current then the very next day Changed it to an charge-off with {$0.00} balance. How can you charge-off nothing? Only thing being done is Discover being vicious against me to hurt my credit. I been watching my credit reports, Discover only closed the account and hired XXXX to do the dirty work and now still trying to write it off as an charge-off.
Company Response: Closed with explanation
2018-01-21
Clementon, NJ
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
2018-01-20
NJ
Managing an account
Checking or savings account: Checking account
Cashing a check
Complaint: On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.
Company Response: Closed with explanation
2018-01-20
Santa Ana, 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
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX.
Case Numbers : # XXXX, # XXXX, # XXXX, # XXXX, XXXX Discover Card Discover Card Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Dear Discover Card : In XXXX, I purchased a new XXXX XXXX XXXX XXXX XXXX that provided me with a free trial of XXXX XXXX XXXX XXXX. XXXX XXXX continued to rollover a yearly fee for XXXX XXXX XXXX from the expiration of the free trial in XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX charged my Discover Card each year in different amounts. No written notification was made through the United States Postal Service. I have not received any notification from XXXX XXXX to my current email address for the past five years. I didnt notice the charges through Discover Card until XX/XX/XXXX. XXXX XXXX fraudently and without authorization charged my Discover Card without my knowledge and consent from XXXX until XXXX. On XX/XX/XXXX, I informed XXXX XXXX via telephone to immediately cancel the automatic renewal of your charges for XXXX XXXX XXXX. XXXX XXXX representatives ( XXXX, XXXX, XXXX, and manager XXXX ) refused to cancel service. They all refused to refund a prorated subscription amount from XX/XX/XXXX through XX/XX/XXXX.
The California Business and Professions Code Section 17600, et seq., prohibits retailers, vendors and service providers from charging consumers accounts without express and explicit consent. The Fair Credit Billing Act ( FCBA ) provides that under federal law, a consumer is protected by unauthorized charges. Federal law limits consumer responsibility for unauthorized charges to {$50.00}. The FCBA requires creditors to send bills to your current address at least 20 days before the billing period ends. Despite having my current mailing address ( XXXX XXXX XXXX, XXXX, CA XXXX ) as evidenced by their transaction details on page 5 of the letter I received from Discover Card on XX/XX/XXXX, XXXX XXXX failed to notify me in writing at that address for the billing and charges from XX/XX/XXXX thru XX/XX/XXXX.
Charges were accessed in the following amounts for a total of {$370.00} : XXXX {$21.00} ( XXXX/XXXX/XXXX ) Discover Dispute # XXXX XXXX {$75.00} XXXX XXXX Dispute # XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX Dispute # XXXX XXXX {$97.00} XXXX XXXX XXXX XXXX Dispute # XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX Dispute # XXXX On XX/XX/XXXX, I spoke to Discover representative XXXX in Ohio to dispute two transactions in the amounts of {$96.00} for XX/XX/XXXXand {$97.00} for XXXX by XXXX. I also requested Discover Card to block any XXXX charge by XXXX XXXX. XXXX indicated that XXXX charges would be blocked until XX/XX/XXXX. On XX/XX/XXXX, I spoke to Discover Card representatives XXXX and XXXX to dispute the amounts of {$86.00} for XXXX, {$75.00} for XXXX, and {$21.00} for XXXX.
On XX/XX/XXXX, XXXX found the XXXX transaction to be valid, on XX/XX/XXXX, found the XXXX transaction to be valid, and on XX/XX/XXXX, XXXX found the XXXX, XXXX, and XX/XX/XXXXtransactions to be valid. Discover stated in all disputes that weve completed our investigation of this transaction. During our review, we considered all information and documentation we received from you and we attempted to obtain transaction records from the merchant... We regret that we are unable to validate the details of your claim. Accordingly, we consider the charge to be valid... The charge will remain on your account and temporary credit will be applied to your account will be reversed. In a mailed letter from Discover dated XX/XX/XXXX, the disputed transaction XXXX in the amount of {$96.00} was rejected and the investigation by Discover was closed. Discover received a letter dated XX/XX/XXXX, from the Chargeback Department of XX/XX/XXXX XXXX. In the letter XXXX XXXX stated that the customer has ordered and received the product. That is a false statement because I never ordered the product. XXXX contends that this charge is an automatic renewal and that there is a 60 day money back guarantee. A customer can contact our customer support team to receive a refund of the renewal amount. XXXX has been using my Discover Card Account Number fraudently for the past five years without my permission. They have used my Discover Card account number ending in XXXX with a false expiration date of XXXX. This is credit card theft. Discover has processed these charges with my Discover Card account without prior personal authorization and notification to me as the card holder and with a false expiration date. As of this date, I havent received from Discover any documentation from XXXX XXXX regarding Discover Disputes # XXXX, # XXXX, # XXXX, and # XXXX. Discover conducted no investigation. Discover relied solely on merchant information that is false and approved transactions with an incorrect expiration date on my credit card. I hold Discover negligent in authorizing these purchases.
To resolve the problem, I am demanding a final credit totaling {$370.00} with interest to my Discover Card account. I look forward to your reply and prompt resolution to my dispute. I will be contacting the Consumer Financial Protection Bureau of the Federal Trade Commission and the Federal Deposit Insurance Corporation to file grievances regarding this matter. Please contact me at the above mailing address.
Sincerely, XXXX XXXX XXXX XXXX.
In Addition : XX/XX/XXXX To : Discover Card From : XXXX XXXX XXXX XXXX.
Re : Dispute with XXXX Dispute # XXXX XXXX XXXX I have disputed charges from XX/XX/XXXX with XXXX on my Discover Card for services that I did not authorize.
XXXX used my discover card fraudulently for four years as an automatic renewal without my knowledge or consent. I never requested XXXX to renew use of their software since I had an initial subscription when I purchased a new computer in XXXX. On XX/XX/XXXX, I informed XXXX to immediately cancel the automatic renewal on my card. That is when I realized that XXXX was charging my Discover Card for the past four years usually at the end of XXXX. Customer service representatives who refused to cancel service included XXXX, XXXX, XXXX, and manager XXXX. They refused to even refund a pro-rated subscription amount from XX/XX/XXXX through XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX CA XXXX Norton was sending renewal emails to an email that I no longer used. XXXX used an updated personal Discover Card number, of which, I dont know how they received it. I am requesting that XXXX issue credits to my Discover Card from XXXX after my free trial subscription.
XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation
2018-01-20
Philadelphia, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: i closed my account about 2 years ago. i applied for reduction of interest and they enrolled me for one year automatic payments. it expired this XXXX 2018.
i add to my monthly bill so that interest will go down but despite me doing increases in payments ... they continue to increase the interest even if the balance decreses.
i stop calling them because they are NOT INTERESTED IN HELPING CLIENTS.
they just need MORE MONEY TO THEIR POCKET..GREEDY BUSINESS PEOPLE
Company Response: Closed with explanation
2018-01-19
Chicago, IL
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: To Whom It May Concern : Discover was involved to get the case resolved on my behalf but they did nothing. Although I included all the support documentation from 3rd part government website showing that no service was rendered. The case was resolved into my favor, then, it got denied, and automatically got into the so called second review, which is basically a bit of time waste and then denial, since no one really looks into documents provided until CFPB gets involved. I contacted Discover few times, they said they will have a serious look into the issue and they will get back to me. But they never did.
Summary of the service to be received : Attorney XXXX XXXX XXXX was contacted on XX/XX/XXXX for help in regards the driving ticket representation. He promised to get the traffic charges and we agreed upon 2 payments each of {$450.00}, total amount due would be {$900.00}.
Ticket violation was XXXX ( DISREGARD TRAFFIC CONTROL DEVICE ).
On XX/XX/XXXX Attorney XXXX XXXX XXXX left message saying I should pay the fine ( {$150.00} ) now and that I have an outstanding balance of {$450.00}. I checked on the phone, and it looked like the court was rescheduled from XX/XX/XXXX to XX/XX/XXXX so I was a bit confused if charges were dismissed, then why to pay the fine? Keep in mind that XXXX XXXX court payment processing website updates the info in real time.
Then on XX/XX/XXXX Attorney XXXX XXXX XXXX sent multiple messages saying he is withdrawing from the case, keeps the funds and not going to help any further and I can deal on my own. Although not long ago he advised that the case is over, and 2 payments had to be made one for {$450.00} to pay the balance, and {$150.00} for fine ( for a dismissed charge ).
On XX/XX/XXXX the payment however was made for {$450.00}, but {$600.00} were billed, saying the charges were dismissed. However, on a website when I checked, it says the ticket was paid on XX/XX/XXXX for DISREGARD TRAFFIC CONTROL DEVICE, which is the same charge as charged initially.
At this point the situation is that Attorney XXXX XXXX XXXX was paid to get the charges dismissed, and in the end I got guilty as charged, had to pay the fine for the violation, and attorney for paying on my behalf the ticket online billed me {$900.00}.
For dismissed charges you dont pay fines.
For Discover disputes service I included the screen shots to see before/after the court dates to see that it updates info in real time, shows the charges, I also included the ticket information and highlighted another ticket what to look at ( original charge and to compare it with the website as well as how to XXXX XXXX XXXX to see the violation ( which is in the ticket ) and compare against the court website.
You may also validate it here : XXXX XXXX XXXX enter ticket number : XXXX
Company Response: Closed with explanation