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 19
2019-10-02
MI
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN!
My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe.
I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Company Response: Closed with non-monetary relief
2019-10-02
Spring, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-10-02
Kamrar, IA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-10-02
Irving, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with non-monetary relief
2019-10-02
Aloha, OR
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-02
Manhattan, NY
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
2019-10-01
Charlotte, NC
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
2019-10-01
Lk Buena Vis, FL
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
2019-10-01
Hornell, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!
Company Response: Closed with monetary relief
2019-10-01
West Covina, 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 monetary relief
2019-10-01
Lk Buena Vis, 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
Complaint: There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.
Company Response: Closed with explanation
2019-10-01
Atl, GA
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
2019-10-01
Ft Myers, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-30
Alamo Heights, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-09-30
Grandville, MI
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation
2019-09-30
Burbank, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-09-30
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: Your company illegally pulled my credit within the past 2 years.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response: Closed with explanation
2019-09-30
Nyc, NY
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number.
Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day.
Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days.
The bank says that they are " XXXX FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX FEE ''.
Company Response: Closed with explanation
2019-09-30
Westminster, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Company Response: Closed with explanation
2019-09-29
Wills Point, 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
Company Response: Closed with explanation
2019-09-29
Rome, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-09-29
TN
False statements or representation
Debt collection: Credit card debt
Impersonated attorney, law enforcement, or government official
Complaint: My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center.
My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense.
The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system.
XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX.
Why did Discover Bank contact the Director of Manpower?
My wife is a civilian, so Why should Discover Bank contact DOD?
Why did Discover Products Inc contact DOD?
Why does Discover have regular approval for using the Manpower Database?
Company Response: Closed with explanation
2019-09-29
Garrett Park, MD
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I had NO say in the loan that my school got for me for the XXXX exam. It was a {$15000.00} loan and NOW after making years and years of payments, my loan is {$18000.00}!!!!!!!!!!!!!!
They don't apply money to my principal, rather they keep applying it to interest. I will NEVER be able to pay this loan off at this rate. I have already paid {$15000.00} in interest alone.
So basically I paid the entire amount of my loan in interest and I now owe a whole new {$19000.00}.
Company Response: Closed with explanation
2019-09-29
Jacksonville, 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: Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.
Company Response: Closed with explanation
2019-09-28
Indianapolis, IN
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Complaint: I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase.
The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?
Company Response: Closed with explanation