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 18
2019-10-06
Glendale, CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: In XXXX I had a Discover credit card which went into collections and was ultimately closed in that same year. Discover confirmed with me that the account was in fact closed in early XXXX. In any event years after any kind of statute of limitations has run, in XXXX they filed a 1099 C Cancellation of Debt with the IRS. I never received a copy nor was I aware of this tax form when I filed my taxes in XXXX. In XXXX I was insolvent due to economical hardships and filed as such with the IRS on other debt that had been canceled that year. 10 years later -- XX/XX/XXXX the IRS has notified me of an issue with my XXXX tax return because Discover filed a 1099C without my knowledge. I have contacted Discover who says they are allowed to file a Cancellation of Debt this far out. That can not be correct, isn't a debt canceled when the company ceased collecting and the payor stopped paying? I requested that they issue a corrected 1099C form but was told the issue would go into their consumer fraud division.
Company Response: Closed with explanation
2019-10-05
Lk Buena Vis, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen.
My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.
They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?
This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.
Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!
This is extremely illegal.
Company Response: Closed with explanation
2019-10-04
Ashville, OH
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: On XX/XX/2019, I applied for a Discover credit card.
They said to call on the last page or Message them. When I went to Message them, my Internet browser froze. It was odd timing.
I had to call them. Well, when I called Discover, they declined my application because they said I had a Credit Alert out and I didn't have access to the phone number on file.
They refused to ask any identification questions like I've always done for all credit cards I've applied for while having a credit alert out.
I was so angry I was screaming and crying at them.
They said I had to call the credit monitoring company and have my phone number changed, my fraud alert dropped, and then reapply.
It would ding my credit score. I'm too smart to do that. That is destruction of a person 's hard work and then lying that they could not work with me and ask identification
Company Response: Closed with explanation
2019-10-04
Mabank, TX
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: I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....
Company Response: Closed with explanation
2019-10-04
Laurel, 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
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-10-04
AZ
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: The last authorized charge I had was on XX/XX/XXXX. Sometime between that time and the XXXX my credit card was unknowingly lost. Starting on XX/XX/XXXX my credit card was fraudulently used and was continually used without my authorization or awareness. The following is a list of the charges : {$26.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX {$51.00} XX/XX/XXXX XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$4.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$89.00} XX/XX/XXXX XXXX {$64.00} XX/XX/XXXX XXXX {$8.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I caught the unauthorized activity going on with my credit card and notified Discover. At that time the card was cancelled and an investigation opened. Discover had asked me if I had the card in my position and at the time I thought I had so replied yes. I did not realize that the card I did have in my possession was my other credit card I had with Discover and not the one that had been fraudulently used. I had two different credit cards with Discover. A few weeks later there investigation concluded with them finding me responsible for the charges since they stated I had the card in my possession. I contacted them again and attempted to explain to them that it was my other credit card I had with them and not the one that had been fraudulently used. They asked my if I had opened a police report, which I had not, and they asked I could. That same day I filed a police report with the city of XXXX, XXXX, and contact Discover with the report number. They re-opened the case. A few weeks later I got a response that the case was again closed with them finding my still responsible as information they had requested was not returned by me. I immediately contact Discovered and asked what information they where looking for as I didn't receive any request. They said they where waiting for the police report. I explained to them I had given them the number and they re-opened the case again. I contact the police department myself to see what information they had. I was told that their was no video surveillance for the time period the fraudulent charges occurred. I was told this was common and they are lucky to find companies that keep the tapes for two weeks. A few weeks passed and they closed the case again finding me responsible as the police report was essentially inconclusive. I contacted them again and pleaded my case that they where indeed unauthorized charges and at least to me it was pretty evident given the type of charges. Looking at the charges most are from the same merchant and repetitive for the same exact amounts, on not sure how much more obvious this could be. At this point the case remains closed with them finding me responsible. They have since reported me to the various credit bureaus where they stated they would notify the bureaus that I disputed the charges, which has yet to happen at least based on my findings. I have since cancelled all business I had with them, but refuse to pay for charges that I did not make.
Company Response: Closed with explanation
2019-10-04
Northdale, 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 explanation
2019-10-04
Dover, DE
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )
Company Response: Closed with explanation
2019-10-04
WV
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.
Company Response: Closed with explanation
2019-10-04
W Bloomfield, MI
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
2019-10-04
Conyers, GA
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
2019-10-04
Carver, MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Closed with explanation
2019-10-03
Santa Ana, CA
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
2019-10-03
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Closed with monetary relief
2019-10-03
Oxford, GA
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 made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Company Response: Closed with non-monetary relief
2019-10-03
Oxford, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I am requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent.
Discover Bank has violated my rights.
Company Response: Closed with explanation
2019-10-03
Ashburn, VA
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 explanation
2019-10-03
Belle Isle, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with non-monetary relief
2019-10-03
El Portal, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-10-03
Port Wentworth, GA
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
2019-10-03
Jersey City, NJ
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
Complaint: Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ...
I have ceased making any payments on that arrangement.
I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )
Company Response: Closed with explanation
2019-10-03
Arco, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2017 for my Discover account.
I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had was unable to pay at the time due to flooding in my household which caused me to have to pay for a place to live temporarily.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
In the near future, I am planning on applying for a home loan, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
Company Response: Closed with explanation
2019-10-02
Orion Twp, MI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief
2019-10-02
Five Points, NC
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-10-02
Clayton, MO
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
Complaint: I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.
Company Response: Closed with explanation