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 161
2018-01-07
Van Nuys, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
Company Response: Closed with non-monetary relief
2018-01-07
Sunnyvale, 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
2018-01-06
Leeton, UT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was contacted by Discover card 27 times. I have never been late and have remained within the confines of my credit limit. Finally, on XXXX/XXXX/XXXX, I answered the phone and was told that Discover was worried about my usage and would I get a {$40.00} credit for paying them on the phone before my due date. This is a clear and wanton violation of the FCRA. I am sure you have similar complaints. If this is not addressed, I will file suit against Discover Card and include the United States Department of Justice as an involuntary plaintiff.
XXXX XXXX
Company Response: Closed with non-monetary relief
2018-01-06
Oro Valley, AZ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with non-monetary relief
2018-01-06
Wrentham, MA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD.
The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance.
This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress.
My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.
Company Response: Closed with explanation
2018-01-06
Nappanee, IN
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 recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in.
please let me know if you can assist me with getting these item removed from my credit report.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Company Response: Closed with non-monetary relief
2018-01-05
Springfield, MO
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.
Company Response: Closed with explanation
2018-01-05
Grand Jct, CO
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with explanation
2018-01-05
Phoenix, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: DISCOVER CARD : Back in XX/XX/XXXX+XX/XX/2015, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a discovery CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from Discover Card until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with Discover card?
XXXX XXXX : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with XXXX. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with XXXX today, never
Company Response: Closed with non-monetary relief
2018-01-05
Leeton, 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
Complaint: I have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no statements or anything.
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING!
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late.
They were so rude that I closed my account and just paid for the charge.
Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed.
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me.
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.
Company Response: Closed with monetary relief
2018-01-05
Phoenix, AZ
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation
2018-01-05
PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have private student loans owned by Discover that are serviced by XXXX XXXX. There are two separate, but I think related, serious issues with my Discover Loans : 1. Statements do not make any sense : All of the loans are set up for auto-pay. I received a call on XX/XX/XXXX, just as I am about to board a flight. I was told that for the past several months, I have been paying late, and that I owe over {$200.00}, and would I like to make a payment. I explained to them that was impossible, as the loans are set up for auto-pay. They then tell me I have been paying less for several months then what was owed. They say that my payment went up suddenly a few months ago. I go back to look at the statements, signing into my account, which I had not done in ages, as the payments are all set up to occur on their own / my secretary manages payments for me. The statements make no sense, they state I overpaid for several months, XX/XX/XXXX, XX/XX/XXXX, and several others. Despite these " over-payments, '' they claim I still owed money and had not paid my full amount, which makes no sense. I asked to speak with a supervisor, and I was transferred. I spoke with XXXX at Discover, ID XXXX. XXXX was fantastic. He immediately pulled up my statements and said he too could not make heads or tails about what happened. He said none of the payment info made sense, there was no indication as to why my payment went up by nearly {$200.00} nearly 6 months ago. XXXX was awesome, he did a weeks worth of research and called me back ( we scheduled a date and time, and he called me exactly on time, it was so professional ). XXXX explained that from Discovers end, they could not figure out what was going on with the statements, and that they made no sense. He said I would have to call XXXX XXXX. I let XXXX know that in between our calls, I had already called XXXX XXXX, and they said they were unsure and that it was a matter to take up with Discover, as they own the loan, and XXXX XXXX is just the servicer. XXXX was upset by this and committed to looking into the matter.
2. Error and items missing from the original master promissory notes : when I started looking closer at my loans, I realized some of the interest rates had margins much higher than I ever remembered signing. I raised this issue to Discover, and they told me the margin can be found in my master promissory note. I downloaded my MPNs and read them cover to cover. The promissory notes state : The interest rate during the Deferred Phase and the Repayment Phase is calculated as the Prime Index plus the " Margin '' percentage identified on my Disclosure Statement ( which is incorporated into this Note ), yet, no disclosure statement is incorporated into the promissory note. At no place in the note does it list what the margin is on each of the 3 loans. I Raised this issue to XXXX, and after researching it, he confirmed that the notes I signed do not list the margin and do not have a disclosure document incorporated into the note as the note states. He said from his end, there is nothing that could be done about this, and said I would likely need a lawyer if I wanted to proceed. I explained to XXXX that this is very concerning, as there is no proof that the interest rates they are charging me are what I agreed to nearly 10 years ago - since the legal binding document has clear and obvious errors.
Aside from the SERIOUS issues regarding the errors in the promissory notes, which are what determine the very foundation of these loans, the fact that Discover states theyve researched my statements extensively and cant understand them is even more troubling.
Company Response: Closed with explanation
2018-01-04
Beyersville, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.
Company Response: Closed with explanation
2018-01-04
VA
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 DID NOT AUTHORIZE THIS INQUIRY
Company Response: Closed with explanation
2018-01-04
VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ).
How can I remove this from my report? Thank you!
Company Response: Closed with non-monetary relief
2018-01-04
GA
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
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank.
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX
Company Response: Closed with explanation
2018-01-04
Clermont, FL
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
2018-01-04
Grosse Ile, MI
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: last month i noticed over XXXX on my discover card from XXXX XXXX XXXX, it said it was based in california but it was from XXXX a fraud company, i called my discover card, and they sent me a new card short after, a man called me new years eve, swore me harrased me iterrorgated me like i was a XXXX or something called me every name in the book, i swore him back, and asked to speak to his supervisor and she did the same thing all day long he was calling my house from another number all my caller id said was utah call, he told me, to get a police report so i called the police in ten mintunes a cop came to my house and gave me the police report, i gave them the police report them he would not stop calling i called the police officer back and he stood in my home untill the phone ring, and told this crazy XXXX to stop calling me i know this man he goes to my church he is a good man stop this, the next day i called back, they treated me horriable again, i dont know what to do
Company Response: Closed with explanation
2018-01-04
Ponte Vedra, FL
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2018-01-04
Biggs Park, NC
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with monetary relief
2018-01-04
Bakersfield, 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: On XX/XX/XXXX I called Discover card and reported fraud on my acct.
3 separate charges were made in XXXX on the same day, XX/XX/XXXX, for {$510.00}, {$3600.00} and {$1500.00}. Discover card refused to remove the charges and will not do anything. I have sent 3 certified letters telling them these are not my charges and asking for some sort of signed receipt or proof that they have but I get no response! They just ignore me and keep charging interest. I have not even gotten a call to find out why I 'm not making any payments and it 's been almost a year.
Company Response: Closed with explanation
2018-01-04
Marina Del Rey, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-04
Clermont, FL
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
2018-01-04
CT
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
2018-01-04
Spg Valley Lk, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005.
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Company Response: Closed with explanation