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 200
2017-06-23
Las Vegas, NV
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 obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.
Company Response: Closed with explanation
2017-06-23
Bellevue, WA
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
2017-06-23
Juanita, WA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2017-06-23
Hillsborough, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with non-monetary relief
2017-06-23
Mountain View, CA
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
2017-06-22
Allenwood, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.
Company Response: Closed with explanation
2017-06-22
Chicago, 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: In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?
Company Response: Closed with explanation
2017-06-22
Bellaire, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2017-06-22
Madison, WI
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: XX/XX/2017 XXXX-XXXX XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people
Company Response: Closed with explanation
2017-06-22
Melrose, MA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2017-06-22
Casitas Springs, CA
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 explanation
2017-06-21
Key Biscayne, FL
False statements or representation
Debt collection: Private student loan debt
Attempted to collect wrong amount
Complaint: Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX. According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.
Company Response: Closed with non-monetary relief
2017-06-21
Wasilla, AK
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
2017-06-21
Burlingame, CA
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 explanation
2017-06-21
GA
Managing an account
Checking or savings account: Other banking product or service
Problem using a debit or ATM card
Complaint: Hello,
I'm complaining about discover card. I didn't make any of these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you. I've never heard of these places, I didn't buy anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2017-06-21
Springfield, MO
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Company Response: Closed with explanation
2017-06-21
Wasilla, AK
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
2017-06-21
Barry Lakes, NJ
Getting a loan
Student loan: Private student loan
Denied loan
Company Response: Closed with explanation
2017-06-21
Elizabeth, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2017-06-21
Fennville, MI
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2017-06-20
Ft Trumbull, CT
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP
Company Response: Closed with explanation
2017-06-20
Hialeah, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-06-20
Brookline, MA
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
2017-06-20
Orion Twp, MI
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Discover account # XXXX XXXX XXXX XXXX Commonsense, consumer convenience and transparency has turned to recklessness, paranoia and a complete abandonment of logic. I have a Discover account which Discover has blocked from allowing me any type of access. I have received a message to call and verify transactions. I called twice from my phone and an automatic response requested me to enter information to verify I am the cardholder. 1. I was prompted to enter the last 4 digits of my Discover account #, I did so correctly ( XXXX ) 2. The last 4 of my social security number, I did so correctly ( XXXX ) 3. The 3 digit code on the back of my Discover card ( XXXX ) I did so correctly 4. The 4 digit expiration date ( XXXX ) again correctly entered 5. My billing zip code. XXXX The automated response then explained I was being transferred to the Customer protection dept. to verify transactions. On my first attempted call, I was placed on a long hold and finally hung upon my 2nd call after gong through the entire process again I was placed on another hold and after a few minutes once someone finally picked up the call was disconnected. I wake up at XXXX Mon-Friday, leave for work by XXXX for a 45-60 minute commute ( depending on construction ) and I typically do not get home until XXXX. I am mentally tired and like to have the next hour or so to unwind and relax. I truly do NOT have time or the patience to deal a very flawed system. Discover provides no other avenue to verify or set at ease any concerns. I am unable to email, they do not email me, text me or leave any kind of message at all that would allow whatever issue they suspect to be resolved. They provide consumers only one way, call, wait and wait. I have other credit cards which requested me to verify charges over the years and it is a rather consumer friendly process. I am either texted to charges of concerned and text back to verify them or not verify them. Or I can call and as an alternative to long holds and long verification process. An automated command would ask me to verify charges. The command would provide a transaction and I would press 1 or 2 to verify the charge. If I verify the transactions as mine any restriction is immediately lifted. Very simple and far less time consuming. Discover probably wants to confirm a balance transfer I initiated for {$3000.00} into an account in my name. This balance transfer was solicited to me by Discover and I had to complete it that day to take advantage of the 0 % rate. SO although this balance transfer is for an account in MY name, and I called from MY phone, verified in my profile and a number also on my credit report, answered all questions correctly verifying the card is in my possession and made a recent payment from same account in last 24 hours. My account is blocked from me to have any access online or by phone. Meaning I am unable to make any further payments. Therefore, as a venue to protect myself from Discover ruining my good credit I must make this complaint. Unless Discover removes the reckless restriction and/or provides a more reasonable way to address any concerns they could possible have I will not be allowed to make future payments on this account. As a result I am placing Discover on warning of reporting any negative information to the credit bureaus regarding this account. If Discover continues to restrict this account then they are relieving me of any future responsibilities. Commonsense, commonsense commonsense.
Company Response: Closed with explanation
2017-06-20
Jacksonville, FL
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