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 160
2018-01-11
Hamburg, NY
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: On XXXX XXXX I applied for a discover it sky miles credit card received an email about Completing my application so I called the number. In which at that point I was asked some questions to identify me ( I passed ) then I was told to verify the address provided on the application by sending in a pay stub to a secure link from an email they sent I did that and then called the number back at which time I was notified I was approved for a {$6000.00} Discover It sky miles card. I received my card on XXXX/XXXX/XXXX. I purchased airline tickets for two friends on XXXX/XXXX/XXXX paid my phone bill, purchased some XXXX gifts. Then on XXXX/XXXX/XXXX when I was trying to use my card I received an alert about suspicious activity. Again I called in verified my identity asked me about some transactions I verified those asked me about adding authorized users I said I did. Lifted the freeze the guy and I even joked about it be I said I guess Im shopping to much and his response was well its XXXX lol so I proceed to check my discover app and I get another notification to call ( I hadnt even charged anything ) so Im notified that a manager decided to put the security lock back on. This is when all XXXX breaks loose. I had to send a bank statement with my address on it in which I went to the bank and had it changed because I reside at multiple addresses ( thats not uncommon ) they are all in the same state due to the store Im a XXXX at has stores throughout various malls in NYS vacinity. Nonetheless I had one of my bank statements changed. Sent that in multiple times and was told a bunch of excuses they didnt receive it or it wasnt clear. Then I received a random call at the store I work at from an exec while in the middle of working with a client of mine answered some questions and told her Id call her back I called her back on XXXX/XXXX/XXXX she asked me questions about why I put authorized users on my account like its a problem with them when discover offers the option of placing authorized users on your account, why I had purchased plane tickets for them, why I chose to rent a room from them with the money I made. I wanted to curse her rude condescending tone XXXX out but I answered telling her I reside at multiple addresses in NYS in which some areas I pay a pretty penny when Im in that particular town I rent a room. Im speaking to a person in the executive office at discover who has me on speaker phone acting rude from the minute we got on the phone.She then told me shes sending out an form to sign to verify all of our identities. So I received said form signed it returned it on Monday XXXX/XXXX/XXXX along with my authorized users the form we signed was an XXXX XXXX form to verify our SSN. All the while Im like what the XXXX is going on Ive proved that Im me. Well they even played games with that I called Tuesday to see if they received it I was told no in which I had to re fax every document I had sent. Then called back and a rep told me they received it and it was submitted to the XXXX department. I called the next day to check and was told it would take a couple of days to hear back. Today XXXX/XXXX/XXXX I received a voicemail from the executive office in which I called back and was notified that they were revoking my account be the documents sent in were not clear? I went off I have faxed my SSN card, license, bank statement and I have proof that everything is clear. Im being unjustly targeted and discriminated against because I know for sure the woman in the executive office jealous tone and unprofessional manor that I spoke with on XXXX didnt want me to have the limit I was granted. Im not new to credit I have an XXXX, XXXX Line of credit, XXXX XXXX, Loan through my credit union. I have been accused of not being me when Ive identified myself and still get harassed and given the run around. To only be told my credit will now be ruined by a mark that says closed by credit grantor on my credit report. We are NOT criminals but have been treated as such! I will not stand for this no one deserves this treatment!
Company Response: Closed with non-monetary relief
2018-01-11
Saint Petersburg, FL
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
2018-01-11
Lewisville, 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: First XXXX and my last name not right on my credit report hard inquiries not matching
Company Response: Closed with explanation
2018-01-10
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: Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account.
Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts.
Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them.
Reporting me late to the credit bureau.
Changing the due date without notice, the date The I have since XXXX.
And so on, Many errors they have made.
Company Response: Closed with explanation
2018-01-10
Eller, 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
2018-01-10
MO
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I have contacted Discover Student Loans about my repayment options and have signed up for a three month extension on my loan repayments. I would make my first payment in XXXX. I have gotten multiple calls and emails attempting to collect a {$50.00} payment, which should not be due until XXXX. I get up to three calls a day. I have talked with the company multiple times and confirmed that I do not owe this {$50.00} as of now and that they will take me off the auto dial list. I am typically removed from the list for about a week and then begin getting calls again. Each time I am called I talk with the representative and ask them to check the notes and they confirm that I should not be getting phone calls.
Company Response: Closed with non-monetary relief
2018-01-10
Orion Twp, MI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I believe that Discover is raising my interest rate because I am making extra payments. I believe they are penalizing me for making extra payments. The letter I received from them stated, " the Monthly Payment Amount has been recalculated to ensure your loan is paid in full at the end of its scheduled repayment period. '' They have a set period of time that they want me to pay the loan and they have a set amount of interest that they expect to receive, so when I pay extra they raise the interest rate to accommodate the change in order to get the desired interest rate at the end of the scheduled repayment period. When I did not make any extra payments, my interest rate never increased. I am trying to pay the loan off early, but I can not when they keep raising the interest rate. They are preventing me from paying the loan off early.
Company Response: Closed with explanation
2018-01-10
CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On or about XX/XX/XXXX when I had just turned XXXX, I applied online for a Discover Credit Card. I did not get a co-signer for the credit card application, and as a full-time XXXX XXXX XXXXt at the time, I only had nominal earnings, such as, babysitting. Perhaps my yearly income was around {$300.00}, and I did not provide any income verification, like pay stubs, as I only did the occasional job. I am now a XXXX XXXX, who just finished her XXXX XXXX, and only work during summers. I am still financially dependent on my parents and have substantial student loans. I am not earning sufficient income to support a credit card.
According to section 301 of the Credit Card Accountability Responsibility and Disclosure Act, XXXX, which relates to extension of credit to minors, a consumer under XXXX years of age must meet one of two requirements before opening a credit card : The application must either include the signature of a co-signer who is at least XXXX years of age, or provide financial documentation of ability to repay debts accrued from the usage of the credit card.
I did not satisfy either of these requirements on my online application. Therefore, this financial institution circumvented these terms and conditions.
Company Response: Closed with explanation
2018-01-10
H I A, PA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with non-monetary relief
2018-01-09
AL
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 have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible.
Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3. XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )
Company Response: Closed with explanation
2018-01-09
Brick, 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
2018-01-09
Oak Grove, MO
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. ( XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX.
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team.
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.
Company Response: Closed with explanation
2018-01-09
Shalimar, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018
Company Response: Closed with explanation
2018-01-09
Harrisville, NH
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX, I made a payment on my Discover credit card due date, and two payments were pulled from my checking account, in the amount of $XXXX each, totalling $XXXX. I called Discover on XX/XX/XXXX, and the customer service representative said that I would receive a check within 7-10 business days. On XX/XX/XXXX, I still did not receive the check, so I messaged Discover on the app, and the person wrote back stating that I should receive the check within the 7-10 day range. On XX/XX/XXXX, I messaged again because I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover cannot issue a refund because I don't have enough available credit. The extra payment was taken on their error, and my payment was never late.
Company Response: Closed with explanation
2018-01-09
San Francisco, CA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: I defaulted on a set of loans from Discover a few years ago. However, despite making all of my payments at times late, but always paid in the month it was due, for over a year, they still call me sometimes multiple times a day.
I have called them multiple times to ask them to stop. They have not. Any number in the images below with the number XXXX XXXX XXXX XXXX XXXX is from Discover Student Loans.
This is harassment. This should be illegal. They literally call me the day after I have made a payment.
Company Response: Closed with explanation
2018-01-09
San Diego, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2018-01-08
Queens, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I was a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day.
Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others.
After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores.
Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards.
I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.
Company Response: Closed with explanation
2018-01-08
Cocoa, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Complaint: I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.
Company Response: Closed with explanation
2018-01-08
Okc, OK
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I opened a secured credit card with Discover last year with limit of {$200.00} dollars. Last month ( XX/XX/XXXX ) the credit card mail me back the deposit of {$200.00} and make my credit card unsecured. The problem is how I can use a credit card with {$200.00} dollars limit without be lower than 30 %? I travel a lot internationally. My income is very higher and I have 7y history of credit report and excellent score. I 've being using XXXX card after I had my Discover and they gave my high limit and already increase without I 'm asking. I called the XXXX XXXX asking limit increase because even one student does n't have a lower credit limit like I am. The attendant was very nice but said my request was denied.
I would like to have a fair credit limit and better relationship with Discover. I would like to point out I 'm very glad the checking on my score was soft instead hard pull.
Company Response: Closed with explanation
2018-01-08
Eagle Creek, IN
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
2018-01-08
New Orleans, LA
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/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''.
XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same response.
As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).
Company Response: Closed with explanation
2018-01-08
CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance.
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover.
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Company Response: Closed with non-monetary relief
2018-01-08
VT
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I owed XXXX XXXX a sum that I simply could not pay. I entered negotiations to lower the debt with a law firm said to be representing discover card. The firm was named " XXXX XXXX XXXX, '' located in XXXX Vermont and XXXX New Hampshire. I was told that if I entered a settlement, and completed it as per the schedule, there would be no negative reporting on my credit.
According to the agreement, dated XX/XX/XXXX, ( see attached ), the settlement amount was to be for {$7400.00} to be paid in monthly installments of XXXX for 60 months. At the request of the Attorney for XXXX Cards, XXXX XXXX of XXXX and XXXX, the payments would be made payable tot he firm of XXXX and XXXX but mailed to the offices of XXXX and XXXX. Aside from the attached fax, I have not other supporting documentation. Although I was to receive copied of the documents I signed with XXXX XXXX at the courthouse I never received a thing. The only record I have of this is a copy of the faxed agreement from XXXX and XXXX which is attached.
For approximately the first three years, I made payments to the firm of XXXX XXXX XXXX. Some time around XX/XX/XXXX, On XX/XX/XXXX, I received a phone call from XXXX XXXX of XXXX XXXX XXXX. She said that they had not received a payment from XXXX XXXX XXXX ( the attorney representing me ) since XX/XX/XXXX! I told her that I had indeed been sending my payments. My attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX handled the matter. He communicated this to me via email : " I just got off the phone with XXXX. Apparently the payments were sent directly to XXXX XXXX XXXX in New York and she was not notified of the payments. No problem. She will get in touch with them and we 'll make sure that our records of payments match their records of payments received. I gave her my e-mail address to keep me in the loop until we are all set and the payments confirmed. '' After this, I was asked that I stop sending the payments by check and to allow the firm of XXXX XXXX XXXX to withdraw the funds directly from my bank account. I agreed and on XX/XX/XXXX, the first of the remaining payments for {$120.00} were deducted from my account.
After my XX/XX/XXXX, payment of XXXX, the automatic payments which were drawn by XXXX XXXX XXXX stopped. I knew I was close to completion of the agreement but not completely finished, so I tried contacting the firm but all the phone numbers were disconnected. I was also unable to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX with out notice or warning, the debits resumed then continued until XX/XX/XXXX. At this point, I calculated that 60 payments had been made and the terms of the agreement had been satisfied. However, upon a recent examination of my credit report, I noticed that I have been negatively reported by XXXX XXXX and that my account is in collections for the unpaid amount of {$2400.00}. This amount is remarkably close to the amount of {$2400.00} which is the total amount of payments distributed directly to XXXX XXXX XXXX as per XXXX XXXX 's instructions in XX/XX/XXXX.
I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently diverted my funds to their own pockets resulting in the negative reporting on my credit. I made every effort required to be compliant to the full and inherent spirit of the agreement made in XXXX XXXX XXXX. I would like all parties involved in these wrongdoings to be prosecuted to the full extent of the law.
Upon request, I can send you any and all of my email correspondences and bank statements related to this matter.
Company Response: Closed with monetary relief
2018-01-07
NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I am not able to use my credit card account. After my payment plan was over, they have failed to re open my account. I believe that are discriminating based on my color. It is still on suspension. And I have to pay over XXXX. Even if they are giving me a payment plan, they are not allowing me to re open my account so that I can pay for XXXX XXXX. They lied and told me that my account would be opened after the plan and they renigged on their agreement. I am asking to have my account re opened and I need to have fraudulent charges removed.
Company Response: Closed with explanation
2018-01-07
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ).
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.
Company Response: Closed with explanation