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 207
2017-05-19
Adamstown Twp, ME
Incorrect information on your report
Student loan: Private student loan
Account status incorrect
Complaint: Discover Loans + XXXX student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d XXXX were no help after many direct phone calls during the last few days and last week. We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter. Please Help. Both Parents have co-signed to help children.
Company Response: Closed with explanation
2017-05-19
Bleecker, NY
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
2017-05-19
Fort Lauderdale, 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
2017-05-19
Charlotte, NC
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation
2017-05-19
Prior Lake, MN
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
2017-05-19
Clairton, PA
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Company Response: Closed with monetary relief
2017-05-18
MD
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: On multiple occasions my husband and I have reached out to Discover Student Loans to inquire about a refinance or some sort of a modification. Every time we call, we are given the run around and told basically nothing can be done. We most recently applied to refinance our student loan in XXXX ( with Discover ) and we were denied ( husband as cosigner ). And more recently than XXXX, we had conversations with Discover Student Loans on XXXX XXXX 2017 in an attempt to ask for help with no avail. We have always struggled with this Private Student Loan over the last 10 years ( estimate ) since my graduation. The monthly payment and interest rate are unbearable at this point. The Interest Rate is 9.175 % and the monthly payment is {$410.00}. Over our repayment period, {$39000.00} has been paid towards interest, and only {$2200.00} has been paid towards principal. We are not in delinquent status, and have always made our payments on time. On the XXXX XXXX 2017 phone call, we basically begged and pleaded that Discover do something to help us. Our FICO 's and DTI are not pristine, so they would not even consider manually underwriting our file and instead issue us an automatic denial. We simply asked that Discover manually underwrite us for a refinance/modification under the good faith of our good standing of payment history. Our frustration with Discover Student Loan is that they are completely unwilling to work with us when we have expressed the desire to work with them in an effort to repay our debt. If we are struggling to pay {$410.00} a month at a 9.175 % interest rate, but have always put other bills on hold so we can pay this Private Student Loan, then why would n't it be in the lender ( Discover ) and borrowers best interest to work together to make the payment more manageable? Current student loan rates range from 3.5 - 7 % ( based on what I 've seen ). Our proposal to Discover Student Loan was that they refinance us at a new 20 year term at a lower interest rate, with consideration given to our repayment history in an effort to lower our monthly obligation. They are either unwilling or unable to work with us. They have already received $ XXXX in interest, and would continue to earn more if they would just work with us to ensure we can continue to afford the payment. Since our last conversation with Discover on XXXX XXXX 2017, we have taken two steps. We choose to go with a forbearance to give ourselves some breathing room. This, as we both know, will free up cash flow in the short-term for us, but will only worsen our situation by compounding more interest ( we felt forced to make this decision ). The second thing we did was to fill out an application to remove my mother as a co-signer ( which was needed to originate the loan over 10-years ago ). We do not know if the request to remove the co-signer will be approved our denied, but we do n't want a potential delinquency to hurt my mother 's credit standing. Our thought, which we expressed to Discover, was that over this forbearance period we are going to have to seriously consider if this is a loan that we should choose to let go into default and just become a growing statistic. We have paid $ XXXX in interest, and our principal loan amount has only risen over the life of the loan. I 'm sure the moment we go into default Discover will be calling us to work something out. If that assumption is correct, why ca n't they help a borrower that has a current and timely repayment history and is trying to be proactive? Thank you very much for taking the time to consider our situation with Discover Student Loans. Please let us know if any additional feedback/information is needed.
Company Response: Closed with explanation
2017-05-18
Burlingame, CA
Other service problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: I sent a wire international transfer from XXXX XXXX XXXX to discover bank on XXXX / XXXX / 2017 and got rejected by XXXX XXXX ( XXXX XXXX ) be cause the name is Discover instead of a real person name.Now my fund has been returned back to my XXXX XXXX XXXX and been deducted {$15.00} fee by XXXX XXXX , I also lost XXXX which equals to {$46.00} USD of the wire transfer fee which charged by XXXX XXXX XXXX . I am so frustrated because I follow the exactly instruction that discover bank provide. There is nothing wrong from my side and my lost is cause by the wrong information discover provide.I use discover service because it do not charge any incoming wire transfer fee.But now I lost even more. Both time and money. At least, Discover should be responsible to provide the wrong info through its website. Wire out {$43000.00} Money refund {$43000.00}
Company Response: Closed with explanation
2017-05-18
Charlotte, NC
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
2017-05-18
Mill Valley, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-17
Peekskill, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2017-05-16
Keyport, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I held a cre dit card with Discover which went into default. Discover wen t to court and filed to garnish my wages and won. I contacted Discover, which s hows them as the holder on my credit report, and attempted to pay the debt off all at once in its entirety. I was informed that the law firm XXXX XXXX XXXX XXXX held the debt, Discover transferred me to them but no answer. I attempted to call the law firm directly and still no answer. I called Discover again and informed them that nobody answered and I wanted to pay off the entire debt. The Discover o perator told me she would call them and at that point hand me over in person. After 12 minu tes The operator came back on the phone and informed me she was unable to make contact at this time. I hung up and attempted contact with the law firm a 3rd time with no answer. I then proceeded to the court house, in XXXX county, to get a copy of the court order to look for additional contact information on the law firm. Th e 2 numbers on the court order are the same as the 2 I have already. Both numbers connect with the same automated service. I then tracked down the original attorney and contacted him directly and I was sent to voice mail. I then called and received a call back from XXXX XXXX XXXX . I asked them what my next step should be and the recommended calling the Attorney Generals Office Consum er Affairs. I called the Attorney Generals Office and they recommend I dispute the claim on my credit report - which would show me the actual holder of the debt. T his all happened on XXXX XXXX XXXX . I 'm still standing here wanting to pay my debt and nobody is able to help me.
Company Response: Closed with explanation
2017-05-16
Ashland, KS
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2017-05-16
Stanley, NM
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2017-05-16
Anaheim, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: Discover fail ed to pay me {$300.00} for my credit card account XXXX XXXX XXXX XXXX . I spent {$3000.00} in purchases at XXXX XXXX XXXX using XXXX XXXX in XXXX XXXX ( s hown i n SCREENSHOT 1 ). Under the terms of promotion, Discover was supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was one I was enrolled in from XXXX XXXX to XXXX XXXX ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ). On XXXX XXXX XXXX , Discover finally awarded th e cashback ( shown in SCREENSHOT 3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}. I contacted Discover customer service, where a supervisor named XXXX in their XXXX office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated. I am owed an additional {$300.00} from Discover from their XXXX XXXX and Discover Match pro motions, and ask for immediate cash relief.
Company Response: Closed with monetary relief
2017-05-16
Seattle, WA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Discover Credit Card From XXXX until now, currently XXXX XXXX , I 've been being charged for a " payment protection plan '' monthly that I did not sign up for. I 've used auto pay since I can remember and never noticed the charges until now. Why would anyone pay ove r 50 $ a month just incase they miss a minimum payment? This is not a service that I would knowingly sign up for. I called the company and they said they would reimburse 6 months of fees and admitted this has been an issue with a lot of customers. I 've never once used the service or ever wanted a service like this. I 've paid o ver 2,000 $ t hat I know of, to this service that I have never used and never wanted over the years. They have had me enrolled in this service unbeknown to me since XXXX . Through research online I know a lot of people have had this happen and their have been lawsuits over this issue. I 've read that more money has been reimbursed than 6 months of fees.
Company Response: Closed with explanation
2017-05-16
Miami, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-05-16
Camden, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: I have been having various issues with my lender, to the point hearing the word " Discover '' makes me want to cry. To start, when my rate changes, it is a vague e-mail in my account inbox. It will not state which of my three loans increased, what the rate change was, when the rate change date was to ensure I was notified within the regulatory requirement, no information at all. I have been told I can call to find out, and then when I do ... I have asked what my minimum payment change would be and the representatives tell me their systems can not figure that out until the new payment is due, and they have no way of telling me. I feel like I should be given all of the information so I can budget accordingly to ensure I can pay. I have used the online calculator for how interest is charged to me, and come up with a different calculation then my statement shows. I called them to discuss that my math was different than theirs and based off of my statement. I was then told it 's based off of their amortization schedule that they do not provide unless called and asked for ... If I did not work with regulatory criteria in my career, I would not even know what they were talking about. I feel like this is unfair and deceptive to borrowers. Nowhere on my monthly statements does, not in any fine print, does it disclose that my interest is not calculated by the interest on my statement, and that it would vary based on this amortization schedule. I know, legally, they have to explain this. They make it extremely difficult to figure out how monthly payments are applied. I will schedule a payment, and then it will no reflect as scheduled on their website days later. I will schedule again, thinking maybe I did n't hit submit ... and then days after the due date, I have been double charged. Then it takes a week to have a payment reversed. I called today, XX/XX/17 because I scheduled a payment last week and it is not reflecting on the site that I did. In the past I was told that maybe MY computer, and not their systems had the issue. So I am not double charged I called Discover to figure this out ... and the representative told me to wait until 48 hours after my due date to schedule to prevent a possible double charge .... so I have to possibly hurt my credit and incrue two more days of daily interest so that I wo n't be unfairly double charged. I am currently being told they can not confirm if the payment that I scheduled will be applied or not. Finally, the customer service here is awful. When I try to work with them they are completely inappropriate. If I threaten to report them I get, " well go ahead '' .... After years of this treatment, and very abusive, deceptive, and unfair acts and treatment, I cringe to give them {$1.00} of my hard earned money. The payments are more basically a mortgage payment. I am working so hard to pay timely and work with them, but at this point I feel like they have got to be completely acting illegally to their borrowers. Please help!
Company Response: Closed with explanation
2017-05-16
Tampa, FL
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Complaint: When trying to access an y credit score infor mation regarding my credit account with XXXX I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on XXXX website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I see two accounts are positively reporting with them so I know I have a file but every time I try to access my XXXX score on XXXX or on XXXX or discovers scorecard I get locked out I need to be able to access my free XXXX fico score I have similar problems with XXXX however XXXX has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my XXXX XXXX since w e have reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Company Response: Closed with explanation
2017-05-15
Houston, TX
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem with fees or penalties
Company Response: Closed with explanation
2017-05-15
Arco, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with non-monetary relief
2017-05-15
Bixby, OK
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
2017-05-15
IL
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 have inherited a Discover credit card. As I look at my Credit Report, the report says that I opened this account in 1993 ( which is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score is around XXXX . Secondly, if I would have opened this account i n 1993, I have had XXXX bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to XXXX XXXX who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after XXXX passed away.
Company Response: Closed with explanation
2017-05-15
Bellaire, TX
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Complaint: In response to complaint XXXX Discover Card failed to respond to written request for documentation and proof to support the data being reported to the XXXX credit bureaus. This account has been disputed initially with the XXXX credit reporting agencies and came back verified each time without any of the requested documentation to substantiate the data being reported to XXXX, XXXX and XXXX. CFPB closed the complaint on XX/XX/XXXX without resolution allowing my consumer rights to continue to be violated. The initial attached letter requested under the Fair Credit Billing Act copies of the following : Original Contract with signature, Copies of all billing statements from inception reported as XX/XX/XXXX, and Full Accounting of account since reported inception until reported as charged off and afterwards. Discover after 60+days has not provided any of the supporting documentation listed above or any proof that it provided to the CRAs during their investigation. If Discover Bank is unwilling, unable, does not have accurate records pertaining to the debt, then they must remove the negative information being reported monthly to the XXXX credit reporting agencies. In response to complaint XXXX Discover wrote a letter with no supporting documentation and attached a corrupted file that could not be opened. None of these documents addresses the initial FCRA 623 investigation. How can I or anyone else including the XXXX CRAs validate or verify the accuracy of the balance, status, dates opened, closed, payment status, etc if Discover can not provide proof of the information it 's reporting to the CRAs? Also Discover Bank failed to provide written notice to me that it that furnished negative information to the CRAs. The notice must be provided to the consumer no later than 30 days after furnishing the negative information. Another violation of FCRA.
Company Response: Closed with explanation
2017-05-14
North Hollywood, CA
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Complaint: I keep tellin g Discover Card ( they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.
Company Response: Closed with non-monetary relief