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 187
2017-08-24
Chicago, IL
Written notification about debt
Debt collection: Private student loan debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2017-08-24
FL
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
Complaint: I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH.
Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines.
Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan.
The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX
Company Response: Closed with non-monetary relief
2017-08-24
Bronx, NY
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
2017-08-24
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2017-08-23
Spring Hill, FL
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: Ive been using discover for twenty years or so never had so much XXXX in my life.the merchant charged me twice for same thing. discover disagrees but i allowed one charge of XXXX got that and dont like it.this was the full price for that item.I told the company i dont like it and i told discover the same.I cancelled the card because this company has figured a way to recieve monthly income regardless of what the consumer says or feels.Because of the stupidity how discover card is now being run.between the company and credit cards this is legal fraud.I didnt get no more items discover card claims i did because they put it in my mailbox.It just isnt true.I believe the company plans to charge my credit card again next month XXXX so i stopped it.Hopefully you will also.I will payoff discover what i owe but not what i dont owe.so it will be payed less at least one XXXX.
Company Response: Closed with explanation
2017-08-23
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 non-monetary relief
2017-08-23
Carmel, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with explanation
2017-08-23
Blackbird, DE
Problem caused by your funds being low
Checking or savings account: Savings account
Non-sufficient funds and associated fees
Complaint: I opened a checking and savings accounts with Discover Bank on XXXX/XXXX/XXXX. The entire customer experience of opening the account was awful, but that is not the reason for the complaint. I eventually opened both accounts successfully and set up an initial deposit ACH from my XXXX account. Monday XXXX/XXXX/XXXX I received an alert my account had been frozen and Discover must be contacted before the hold could be lifted. I called as instructed and a Security agent, who asked me why I was calling even though he knew, reviewed my account and said there was an issue with the account generation, but he fixed it and I would no longer run into any issues.
Come Thursday XXXX/XXXX/XXXX when the initial deposit still had not come through and purely showed as pending on the website, I called Discover concerned that the ACH was not going to go through. I was then alerted by the phone agent that there was an issue with my account caused at opening that needed to be resolved. The comment made it seems like this happens all the time. 1. The first agent I spoke with on XXXX did not fix the accounts as promised 2. If this is a common issue it should be resolved. I was transferred to a web team agent, XXXX, who fixed the account, which caused my account to lose all the preferences it had and my verified external accounts. Annoyance and extra work required on my part, but again not the reason for the complaint. XXXX informed me that the initial deposits were not going to occur and I must reschedule them, so I took her advice and proceeded to reschedule the transfer.
Come Monday XXXX/XXXX/XXXX Discover completed all of the transfers causing my account to go negative. I immediately called to alert them and request the duplicate funds back. I have had several phone calls with Discover since then, and even representative tries to instruct me how an ACH works. I know how it works, I work for a bank ... The funds had left XXXX and they had no control over the funds at this point. Discover would not make the funds available to me until XXXX. When instructed them I required the money to pay for my mortgage come XXXX there was no empathy or real care to my situation. Discover refused to return my funds or escalate my issue to their executive office. They simply stated that their policy is there is a 30 day hold on all funds on new accounts for " fraud protection '' and this policy could not be overridden. This is a stupid policy plain and simple. My career has been spent designing Fraud and Non-Fraud processes for credit and retail banking and there are far better ways to prevent fraud then impact your newly acquired customer. On top of that I find it had to believe no one can override a fraud policy on an erroneous transfer. If I have a customer being negatively impacted by a fraud policy/strategy, I simply reach out to that team and they remove that policy for that particular customer. The same must be possible here. Discover refused any type of resolution to return my funds and forced me to contact XXXX to file a dispute on all the transfers to receive my funds back. This is not acceptable.
Company Response: Closed with monetary relief
2017-08-23
Beach Haven, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I currently have a DISCOVER CARD which authorized 2 charges which put me over my credit limit by {$1200.00} and then negatively reported me to the three major credit monitoring companies.
They authorized a charge for {$5600.00} on XX/XX/XXXX which was {$110000.00} over my credit limit and also authorized a charge for {$140.00} on XX/XX/XXXX. If I was already over my limit on XX/XX/XXXX why would they continue to authority another charge.
I also do credit monitoring with Discover and I was surprise to see that Discover negatively reported me for going over my credit limit. I immediately called them and was told there was nothing that could be done about it. How can they allow you to go over and then report for doing so. Are they so hungry for you to use their card that they would allow you to go over by a substantial amount and not inform you or deny the transaction.
Company Response: Closed with explanation
2017-08-23
Acorn, KY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2017-08-23
Menasha, WI
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Problem lowering your monthly payments
Company Response: Closed with explanation
2017-08-22
Detroit, 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: If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!
Company Response: Closed with explanation
2017-08-22
DE
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Complaint: I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ).
The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.
Company Response: Closed with explanation
2017-08-22
Eagle Mountain, UT
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
2017-08-22
Weston, CT
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I started paying back my loan with a monthly payment of XXXX. XX/XX/XXXX I asked for a deferment because my job cut my hours due to one of the doctors leaving. Deferment was for XX/XX/XXXX, and XX/XX/XXXX. During the deferment period I still made payments towards my loan, so interest would not go u to high. OnXX/XX/XXXX I received my new bill of how much I would be paying a month now after my deferment. The monthly amount now would be XXXX a month, which was a little bit of struggle for me, but I continued to pay the bill to the best of my ability. During that time I even called to see if there was any way to lower the loan with a program, but unfortunately the programs would make my monthly bill after six months to high for me to afford. In XX/XX/XXXX I received a letter stating that the loan company was going to change the amount I pay a month and the date I pay it on to XXXX on the XXXX of each month starting XX/XX/XXXX. The wrote as explanation that they are changing it because I would not have aid my loan in full with in my current payment terms, so my monthly amount needed to be adjusted. I have a fixed rate with the loan company and I was already paying XXXX a month for almost about 4months. I called Discover student loans services and explained to the representative my situation, he transferred me to the accounting department, where someone could explain and help me figure out my payments. Once I was transferred over I was told that about the six month program once again, which I explained I do n't want to do that because I do n't know if I will be able to pay more in six months. I asked if he could give me a more detailed explanation as to why all of a sudden they were changing my bill. He tried to blame it on my deferment in XX/XX/XXXX, but I explained to him that was n't the case because I have been paying XXXX for almost 4 months now. He asked if my loan was at a fixed rate which I told him yes. Then he asked me to read what the letter said. Which I did and all he said is that was the reason. He did not give me no real explanation and he even told me he could not doing anything about it going up. he just basically kept going back to either six months programs were I can pay XXXX a month and that would bring it down back to being XXXX after six months. I explained I do not have that type of money I have 3 other student loans and I am already having a hard time paying this loan. Which he just kept throwing number at me and I tried telling him this does not work for me because I do n't have any extra money at all. I also explained to him I 'm lucky to have parents because if I did n't I would living out of my car with the amount of money I pay you guys a month to try to show him my point of where my financial status I right now. He basically said he can not put it back to being XXXX a month all he could offer me was the payment choices he just said to me. I ended the phone call with discover because they did not help in any way at all. They could not give me a real explanation about my payments and I felt like they were digging my financial hole deeper. It concerns because what if they send me another letter in four months stating the same thing in this letter raising my monthly payment even though all my loans are on fixed rate payment agreement.
Company Response: Closed with explanation
2017-08-22
Detroit, MI
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
Complaint: I stop using the two credit cards from Discover. BUT they kept transferring funds out of them to their fake accounts. A few Federal Court orders that they have not followed! Discover, Discover Card, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Discover personal loans, XXXX XXXX XXXX has along history of preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud! The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of New York. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the Western District of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} million class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as XXXX XXXX ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXXand XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. A FEW CASES AGAINST XXXX, XXXX XXXX XXXX for violation the laws! CFPB Files Suit Against Law Firm for Misrepresenting Attorney Involvement in Collection of Millions of Debts CFPB Alleges XXXX, XXXX XXXX XXXX XXXX XXXX with Misleading Calls and Letters XXXX, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. XXXX XXXX XXXX XXXX XXXX XXXX Contacts & XXXX : XXXX Illegal Collection Practice What can I say? The reports on this company when you XXXX them are shocking and the company has been sued in all 50 states. At my last knowledge banned in 2 states for abusive and illegal practices.The use court documents to intimidate consumers into releasing personal information. The documents are legit, they are used in court but the trick is XXXX does n't file them as required by law and they seem to forget that a JUDGE NEEDS TO SIGN the document before they can send a subpeona. They ca n't forge some signature and there will be a raised seal on the document. Ohio debt collector XXXX, XXXX XXXX XXXX XXXX, XXXX is the defendant in a second class action filed on XX/XX/XXXX, this time in Pennsylvania federal court, alleging violations of the Fair Debt Collection Practices Act ( FDCPA ). The plaintiff in this case claims the defendant sent her a collection demand letter that misleadingly implied through its letterhead that attorneys at law had reviewed her account. The lawsuit alleges including language in a collection notice implying attorney involvement when there is none is a misrepresentation that violates the FDCPA. Case XXXX Document XXXX Filed XX/XX/XXXX Page 2 of 5 EASTERN DISTRICT OF MICHIGAN NORTHERN DIVISION XXXX XXXX XXXX , individually and on behalf of a class, Plaintiff, v. XXXX, XXXX & XXXX XXXX XXXX MICHIGAN d/b/a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ; and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Defendants. Case No. XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. Ohio XX/XX/XXXX ) U.S. District Court for the Southern District of Ohio - XXXX XXXX XXXX. XXXX XXXX ( S.D. Ohio XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, v. XXXX, XXXX XXXX XXXX, Defendant. No. XXXX. United States District Court, S.D. Ohio, Western Division. XX/XX/XXXX. XXXX XXXX XXXX, XXXX, OH, for XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX, XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH, for Defendant. *1094 DECISION AND ENTRY SUSTAINING PLAINTIFF 'S MOTION FOR LEAVE TO PERFECT SERVICE OF PROCESS OUT OF TIME ( DOC. # 13 ) ; DEFENDANT 'S MOTION TO DISMISS, PURSUANT TO FED. R. CIV. P. 12 ( B ) ( 5 ) ( PORTION OF DOC. # 9 ), IS OVERRULED ; DEFENDANT 'S MOTION TO DISMISS, PURSUANT TO FED. R. CIV. P. 12 ( B ) ( 6 ) ( PORTION OF DOC. # 9 ), IS SUSTAINED ; PLAINTIFF IS GRANTED LEAVE TO FILE, WITHIN TWENTY ( 20 ) DAYS FROM DATE, AN AMENDED COMPLAINT, CONSISTENT WITH THIS DECISION AND SUBJECT TO THE STRICTURES OF FED. R. CIV. P. 11 ; SHOULD PLAINTIFF ELECT NOT TO FILE AN AMENDED COMPLAINT WITHIN SAID TIME PERIOD, THE CAPTIONED CAUSE WILL BE DISMISSED WITH PREJUDICE RICE, Chief Judge.
Company Response: Closed with explanation
2017-08-22
Santa Monica, 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
Company Response: Closed with explanation
2017-08-22
Gilmore, MO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Closed with explanation
2017-08-22
Eagle Mountain, UT
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
2017-08-21
Itasca, 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: MY EX DAUGHTER IN LAW CHARGED MY DISCOVER CREDIT CARD WITHOUT MY AUTHORIZATION OR KNOWLEDGE TO {$3900.00} WORTH OF CREDIT CARD CHARGES WHILE I WAS IN XXXX ON HOTEL ROOMS AND FLIGHTS FROM XXXX XXXX TO NEW YORK FROM XX/XX/XXXX-XX/XX/XXXX ON XX/XX/XXXX MY DISCOVER CARED WAS CHARGED {$2000.00} FOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX. THE NAME OF THE RESERVATION WAS : XX/XX/XXXX WITH MY HOME ADDRESS ( XXXX XXXX XXXXXX/XX/XXXX ... ). THERE WAS TWO HOTEL GUESTS : XXXX XXXX XXXX XXXX XXXX. THEY STAYED FROM WED XX/XX/XXXX TO SUNDAY XX/XX/XXXX ( HAVE HER FALSELY SIGNING MY NAME WITH HER PERSONAL INFORMATION ( HER PHONE NUMBER & HER EMAIL ADDRESS ON THE DOCUMENT TO XXXX XXXX. XXXX PHONE : XXXX SHE ALSO CHARGED MY CREDIT CARD FOR XXXX XXXX XXXX TICKETS FOR BOTH THOSE UNKNOWN INDIVIDUALS ( XXXX XXXX XXXX XXXX XXXX ) FROM WEDNESDAY XX/XX/XXXX-SUNDAY XX/XX/XXXX - FROM XXXX TO XXXX XXXX, CONFIRMATION : XXXX. JXXXX XXXX PHONE : XXXX MY SON DISCOVERED THIS INFORMATION THIS YEAR WHEN HE WAS ABLE TO LOG INTO HER EMAIL ADDRESS THRU XXXX AND FOUND OUT MY CREDIT CARD WAS FRAUDULENTLY CHARGED. ALSO, AT THE SAME TIME IN XX/XX/XXXX, I WAS IN XXXX. I CAN PROVIDE DETAILS OF MY TRIP. I INFORMED DISCOVER CARD, AND THEY DENIED THE FRAUD HAD BEEN COMMITTED, EVEN THOUGH, I HAVE BEEN A LOYAL CUSTOMER FOR MANY MANY YEARS AND I HAVE THE INFORMATION INDICATING THAT MY EX DAUGHTER IN LAW COMMITTED FRAUD ( SIGNATURES AND APPROVAL INFO ). THE TOTAL OF CHARGES STEMMING FROM THE FRAUD WERE {$3900.00}
Company Response: Closed with explanation
2017-08-21
Oxford, GA
Managing an account
Checking or savings account: Savings account
Problem accessing account
Complaint: Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.
Company Response: Closed with explanation
2017-08-18
Myrtle Beach, SC
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
2017-08-18
Myrtle Beach, SC
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
2017-08-18
Garrett Park, MD
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation
2017-08-18
Brentwood, TN
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 am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant for 22 transactions and was informed the transactions are valid. One of the case numbers is XXXX ( each transaction has a different case number ). The merchants response to the chargebacks did not address the allegation I made in my dispute, but Discover still decided against me. The merchant, XXXX, operates prediction markets at XXXX The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. I have lost over {$83000.00} on this site through deposits on seven credit cards, with over {$16000.00} on Discover card. During the month of XX/XX/XXXX alone, I have made over {$44000.00} in deposits. During the month of XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX should not have accepted unlimited deposits and/or Discover should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXX that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the Clearing House. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the Clearing House will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : XXXX XXXX {$7900.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$1100.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$2500.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$4900.00}, XXXX XXXX {$3300.00}, XXXX VA {$1800.00}, XXXX XXXX {$1400.00}, XXXX XXXX {$1300.00}, XXXX {$2100.00}, XXXX XXXX {$3000.00}, XXXX {$1400.00}, XXXX XXXX XXXX {$4900.00}, XXXX XXXX {$2500.00}, XXXX XXXX {$1000.00}, XXXX {$2000.00}, and XXXX XXXX {$1000.00}. These add up to over {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX ( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXXand XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.
Company Response: Closed with explanation