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 208
2017-05-14
Rochester, NY
Communication tactics
Debt collection: Private student loan debt
Frequent or repeated calls
Company Response: Closed with explanation
2017-05-13
Scottsdale, AZ
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
2017-05-13
Bleecker, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2017-05-13
Colonial Park, NY
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with non-monetary relief
2017-05-13
Phoenix, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: About a year ago, I paid off a loan f rom Discover. However, it is still showing on my credit report that the account is open with an outstanding balance. I 've called Discover over the course of the past few months on numerous instances about this issue. They told me that they would correct this issue but they still have n't.
Company Response: Closed with explanation
2017-05-12
Portland, OR
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
2017-05-12
NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: On XXXX XXXX , XXXX , I calle d Card Member S ervices, to request an extension of 6-12 months at the rate of 0 % originally set for this card. Sharing the fact I am XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our XXXX XXXX XXXX agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the XXXX XXXX XXXX XXXX agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the Card Holder services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME. COPIED MESSAGE " XXXX XXXX , XXXX DiscoverCard undisclosed interest rate for current period being incurred. After speaking with XXXX , XXXX , XXXX and finally XXXX , explaining the impact of the current unemployment figures on the XXXX employable people seeking work at 10.7 % over the protracted period including both XXXX XXXX and XXXX XXXX , I, as a XXXX individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by XXXX and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to XXXX and XXXX at DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member Services representative/s who XXXX assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to XXXX how he may fe el when making a credit purchase, for which the interest climbed excessively during a XXXX period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime. A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting XXXX rights as well as a debtor making efforts to meeting untenable terms. Thank you. See most recent statement wit h credit score attached.
Company Response: Closed with non-monetary relief
2017-05-12
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
Complaint: Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of : XX/XX/17 QT XXXX XXXX GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00} XX/XX/17 XXXX XXXX XXXX XXXX E # XXXX TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00} XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX OF TEMPORARY CREDIT Merchandise {$42.00} XX/XX/17 XXXX XXXX TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00} XX/XX/17 XXXX XXXX XXXX XXXX # XXXX NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00} XX/XX/17 XXXX XXXX TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc. This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever. Thank you. XXXX XXXX
Company Response: Closed with explanation
2017-05-12
New Britain, CT
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
2017-05-12
Boulder, CO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I had contacted Discover in regards to opening a second discover card and was told my first account would need to be open for 12 months to be eligible. I met these requirements so I applied, I then received an immediate denial stating my first card had been opened too recently. When I called them they informed me I was declined because my first account has to have ha d 12 bil ling cycles completed. When I informed them that I met these requirements as m y 12th Billing cycle had ended the week before, they started backpedaling and changed their mind on why I was denied. I have called back twice now and both of the representatives and their managers all gave me different information in regards to my denial despite the fact that my only reason for being denied ( on the denial notice ) states that I have n't had my first account long enough. Eventually they settled hard on changing their mind and telling me that it is actuall y 13 billing cycles, a nd the 13th cyc le will have to already be reported to the credit bureau and available to be viewed by them. Despite them ( several different employees ) misleading an d lying to me, they refuse to have anybody manually review the application to tell me why I was actually declined. They instead are encouraging me to apply again in the future but ca n't tell me when I will actually be eligible. I 'm not sure I would trust this information anyways as I had already asked and been told the wrong thing.
Company Response: Closed with explanation
2017-05-12
Detroit, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Just made a payment of {$350.0 0} to Discover car d the other day. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Company Response: Closed with explanation
2017-05-12
MI
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 have unfortunately been a victim of a military scam. The first transaction that I did was with Discover card on XXXX . The scammers put money into my account, I did cash advance and apparently later that day the money was pulled back out of my accou nt. Discover never notified me. If they had that would have been the first and last transaction. However this adding and taking money kept occurring in my account, I received no letters or phone calls regarding these occurrences. I did receive a few calls from their security department asking if I had made some purchases at no time did they mention that money kept being put in and pulled from my account. I would call before I was to make cash advance , to make sure that I qualified. I was told yes and was still never informed of what was happening with my account. Finally I got a letter from XXXX XXXX because same thing had been happening with that account. I downloaded Discover app and to my horror found out what was happening to both accounts and wondered why I had n't been contacted right away. I realized that I was a victim of fraud. When the money was back in account and was settled, I contacted Discover informed them that I had been victimized in military scam and was beginning to file complaints this was XXXX . So far the account has stayed settled, however money was pulled back from XXXX after being there three months on XXXX . I again called Discover and told them what happened with XXXX . They said they could do nothing to protect me from it happening to this account as well. I spoke with a supervisor from Ohio named XXXX on XXXX . I asked him why no one ever called or informed me of payment being returned on the date XXXX , the same day that it was put in. He lied and said all the payments had been pulled back at the end. I said that I could have sworn it was the same day, he said no it was n't and they could n't help me. I had done one transaction with my credit union and when payment pulled back, they called that very day, unfortunately at that time I was aware of what was going on and was to late. However I told XXXX had I been notified on my very first transaction that I would not be in the situation that I am. Once I was done speaking with him I immediately pulled up my statement of transactions on the app. It showed the payment done and pulled back on XXXX . I took a screenshot photo. I checked my transactions statement again on XXXX , the transaction of the payment being pulled back was removed, Discover card altered the statement to what? Cover up their incompetence? I have both photos and proof. At the end of my conversation with the scammer claiming to be a XXXX XXXX XXXX XXXX , he used his real name and I have much evidence on him as well, but anyway, I asked how my accounts got so out of control? We came to the conclusion that the Banks were not doing the necessary procedures to prevent. This is exactly what the scammers count on. So not only I, but thousands of others have been scammed, by the scammers, and completely failed to have our accounts protected by the Banks! I am sure that every single victim would have never done a transaction had the bank contacted them the very first time that a payment had been pulled back. So we have been not only victimized by the scammers we are also being victimized by the banks and I have undeniable proof, that Discover went into my account and changed my statement to protect themselves, without any sort of regard to their customers financial well being. Unbelievable. I hope that swift and serve actions are taken against these Banks, they are allowing people to be responsible to pay back tens of thousands of dollars and to lose everything that they own. How shameful.
Company Response: Closed with explanation
2017-05-12
Pikeville, NC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2017-05-11
NC
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: We opened an account with the company in XXXX . After a few years of using the credit card we destroyed the card and no longer used it. The amount charged on this card was approximately {$6500.00}. We paid on this card for almost thirty years and as of today, they are still saying we owe them money. I do not see how this could be possible. I later received a notice from them about this ( sometime in XXXX ) and agreed to pay XXXX per month ( with all to be applied to principal ), which we did. In XXXX , I received my last statement from them and assumed the debt had been paid in full. Much to my surprise in XXXX , they had turned the account over to an attorney for collection. Each month they would add on a fee for about {$45.00} or {$50.00} for some type of insurance. We did not agree to this being added to the account and they were told to remove this from the account. Bottom line is they say we owe them a substantial amount of money that we do not agree with as there have been no transactions whatsoever on this account in years.
Company Response: Closed with explanation
2017-05-11
Ft Wayne, IN
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: DISCOVERCARD IS ALLOWING XXXX TO BLOCK DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.
Company Response: Closed with non-monetary relief
2017-05-11
CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have an account open with Discover. Sinc e 2014 my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise Discover would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.
Company Response: Closed with non-monetary relief
2017-05-11
Lenzburg, 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: A Discover Card re presentative called me today about an outstanding balance on XXXX credit cards that were opened with them on XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently XXXX credit card that was opened with Discover back in XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there are XXXX additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in XXXX that they were fraudulent. In XXXX I was advised by XXXX to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these XXXX accounts closed as fraudulent.
Company Response: Closed with non-monetary relief
2017-05-11
Lenzburg, 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: Discover Card repre sentative called me today about an outstanding balance on XXXX credit cards that were opened with them on XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently XXXX credit card that was opened with Discover back in XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after th e phone3 ca ll today I 've learned that they did n't close out the card and that there are XXXX additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in XXXX that they were fraudulent. In XXXX I was advised by XXXX to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these XXXX accounts closed as fraudulent.
Company Response: Closed with non-monetary relief
2017-05-11
Lenzburg, 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: Discover Card representative called me today about an outstanding balance on XXXX c redit cards that were opened with them on XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently XXXX credit card that was opened with Discover bac k i n XX/XX/XXXX . I infor med them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there ar e XXXX additional cards opened fraudulently with Discover. Their i nvestigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back i n XX/XX/XXXX that they were fraudulent. In XX/XX/XXXX I was advised by XXXX to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these XXXX accounts closed as fraudulent.
Company Response: Closed with non-monetary relief
2017-05-11
Moapa, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2017-05-11
NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Hello, my name is XXXX XXXX XXXX and I 'm contacting you on behalf of my grandmother XXXX XXXX XXXX . My grandmother is XXXX and she is getting ready to retire from a XXXX so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce XX/XX/XXXX a nd XX/XX/XXXX and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account ( s ), that they assume d one thousand dollars in debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime XXXX XXXX XXXX XXXX . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one. Thank you for your time, XXXX and XXXX XXXX
Company Response: Closed with monetary relief
2017-05-10
Alafaya, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-05-10
HI
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: XXXX XXXX XXXX - I called Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $ XXXX {$5000.00}. I was told I could defer my payment for XXXX and have repayments start up again in XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent XXXX and XXXX , I told them I was on a trip on XXXX and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on XXXX XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
Company Response: Closed with non-monetary relief
2017-05-10
Philadelphia, PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I fell ill and required emergency services which have now left me XXXX . I fell behind on my credit card payments. However, in XXXX XXXX , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in XXXX XXXX to see if I could move my automatic payments to the XXXX of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.
Company Response: Closed with explanation
2017-05-10
Schaumburg, IL
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