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 194
2017-07-22
Vista Del Lago, PR
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: This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.
Company Response: Closed with explanation
2017-07-22
Queens, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.
Company Response: Closed with explanation
2017-07-21
Chattanooga, TN
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 non-monetary relief
2017-07-21
Hillsdale, NJ
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
2017-07-21
Fred, VA
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
2017-07-21
Statham, 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
2017-07-21
Beauregard, MS
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
Company Response: Closed with explanation
2017-07-21
Lansing, MI
Threatened to contact someone or share information improperly
Debt collection: Private student loan debt
Contacted your employer
Complaint: A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.
Company Response: Closed with explanation
2017-07-21
Herndon, 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
Company Response: Closed with explanation
2017-07-21
Brooklyn, NY
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
2017-07-21
Kosciusko, MS
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: On XX/XX/XXXX-17 I received a letter dated XX/XX/XXXX-17 informing me Discover increased my credit line to XXXX. I Did Not request this. I also do not want this to affect my credit score. I contacted the company and after 25 minutes got no where. Please help they have very poor customer service. Why would they increase my limit without my consent. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2017-07-21
Bromley, KY
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2017-07-21
Dallas, TX
Closing an account
Checking or savings account: Other banking product or service
Company closed your account
Company Response: Closed with explanation
2017-07-21
Arlington, TX
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation
2017-07-20
Echo Park, 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
2017-07-20
MS
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: My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.
Company Response: Closed with explanation
2017-07-20
Lawrenceville, GA
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
Company Response: Closed with explanation
2017-07-20
E Lansdowne, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2017-07-20
GA
Closing an account
Checking or savings account: Other banking product or service
Funds not received from closed account
Complaint: Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
Company Response: Closed with explanation
2017-07-19
East Rockaway, NY
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: To Whom it May Concern, I originally took out variable rate private student loans with Discover Student Loans to pay for my XXXX education at the XXXX XXXX XXXX XXXX XXXX. I then went on to XXXX XXXX at XXXX University, where I was able to secure Federal Loans and pay monthly on an IBR Plan. At or near the beginning of XXXX, I began to have extensive discussions with Discover Bank/XXXX XXXX regarding re-payment. I informed them of my rather low income and my living situation, which made it near impossible to even pay 10 % of my required monthly payment of over {$2000.00} a month. During these discussions, they offered me the ability to temporarily pay close to nothing, but interest would collect at an alarming rate. Therefore, it made sense to pay whatever I could, which I did and continue to do. From approximately XXXX to XXXX, I received calls every day that were bordering on harassment, which is in direct violation of the FDCPA, specifically 15 USC 1692e ( Section 806 ( 5 ) ). The content of these calls was emotionally damaging. For example, one representative informed me to " quit my job and move home with my parents '' and went so far as to say " thats what I would do in your situation ''. While this may be sound advice for that representative, it was extremely hurtful as well as inconsiderate. What if this Discover Student Loan representative told this advice to someone who XX/XX/XXXX their XX/XX/XXXX or had a parent that XXXX abused them. During the time of these calls, I continued to pay a small portion of my monthly payment, yet the calls did not end. I was forced to forward a cease and desist letter specifically detailing the types of harassment I was experiencing. Rather than ceasing to stop communication as is required by 15 USC 1692d ( Section 805 ( c ) ), Discover Student Loans continues to send me emails on bi-weekly basis stating I owe them X amount, despite the fact that this is drastically higher than my actual minimum amount due. The above-mentioned FDCPA Section 805 ( c ) specifically states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.I have continued to pay what I could throughout this process. Despite this clear reading of the statute, they continue to communicate with me in different forms of communication such as email and regular mail stating that a balance is due which is higher than my actual minimum payment. These tactics are beyond a violation of the strict reading of the FDCPA. Throughout the process, I have been emotionally ostracized and been thrown to lows that no other person should have to go through. Rather than offering me a payment plan that I could meet, Discover offered no repayment options that were remotely reasonable. In addition, they refused to re-consolidate my loans or inform me of their policy to not re-consolidate their original loans that were above a certain monetary threshold. Despite the above-mentioned violations of the FDCPA, I continue to pay towards my debt with Discover every month. The tactics used by Discover and XXXX XXXX are outside of the scope of protected debt collection practices set by FDCPA.
Company Response: Closed with explanation
2017-07-19
Whittier, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-07-19
Dover, NH
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
Company Response: Closed with explanation
2017-07-19
Gloucester City, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: Based upon information ( both verbal and written ) that I have received, I was told loans that originated with XXXX sold loans to Discover, due to issues with handling the loans, and poor financial management. I contacted Discover student loans and requested that they send me the following documents : - Agreement with the prior holder of the alleged debt that grants Discover the authority to collect - Agreement that bears the signature of the debtor, showing payment to the creditor - Name and address of creditor - Name of the debtor -All account numbers -Amount of debt -Date the debt became payable - Verification of assignment that a debt was sold to Discover -Complete account history of the debt I requested this information as a Request of Validation, not as verification. I have made this request verbally on the phone on XX/XX/2017 and i also sent a letter to Discover and the office of XXXX XXXX with Discover. I have yet to receive any documents and/or correspondence. When speaking to the manager, on XX/XX/2017, she indicated that I have been paying all the loans, and that is proof enough, which is incorrect. I am requesting the information because I believe that there serious issues surrounding Private Student loans and Fraud.
Company Response: Closed with explanation
2017-07-19
Washington, DC
Dealing with your lender or servicer
Student loan: Private student loan
Need information about your loan balance or loan terms
Company Response: Closed with non-monetary relief
2017-07-18
Irving, TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation