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 21
2019-09-24
Scottsdale, AZ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: Case XXXX In response to the written letter received by Discover : Discover card did not bother requesting updated information concerning the name discrepancies. I'm requesting that Discover change my name to XXXX XXXX on both accounts ending in XXXX opened XX/XX/XXXX and account ending in XXXX opened XX/XX/XXXX.
Military Lending Act/SCRA - It is required that Discover charge a max rate of 6 % and requesting a refund of interest charges from XX/XX/XXXX - to date.
XXXX XXXX score - My social security number is the same under both names and Discover is required to provide accurate information therefore by engaging a third party to provide relevant information should be researched on their end not sending me back to the third party providing the inaccurate information.
Please provide a written response to my mailing address
Company Response: Closed with monetary relief
2019-09-23
Albany, OR
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-09-23
Van Nuys, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Some one open an account with information that was stolen. XXXX was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim.
Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
View your Report | View your credit score Remains + 'icon ' Remains
Company Response: Closed with non-monetary relief
2019-09-23
Cols, 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 monetary relief
2019-09-23
Columbia, MD
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
2019-09-23
NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-09-23
Chesapeake, VA
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
2019-09-23
Ontario, CA
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 explanation
2019-09-21
Aguadilla, PR
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
2019-09-21
Detroit, 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
Company Response: Closed with explanation
2019-09-21
Tucson, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: This is to dispute information listed on my XXXX XXXX XXXX ( XXXX ) Report ; I have no knowledge of the Discover account listed on the report. I believe that that account was possibly fraudulently opened in my name in 2016. The phone and email address listed are not mine. Attempts were made to contact Discover ( via XXXX XXXX ) to ask for the address so as to write to Discover directly but they were unable to supply the address so Im seeking help from CFPB.
Company Response: Closed with non-monetary relief
2019-09-21
Shulerville, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with non-monetary relief
2019-09-21
Las Vegas, NV
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: I got this letter and havent had a chance to even be looked at the account to see charges.they want to sue me.
Company Response: Closed with explanation
2019-09-21
Cooper City, FL
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with explanation
2019-09-20
Tarzana, CA
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: I have. A discover card. That I recently found out had unauthorized charges. ( I became sick and unable to focus on bills - billing statements still actively closed in envelopes proving I had not seen any statements ) it did take. Awhile for me to report but this was due to me just finding out. Im being helps liable for unauthorized charges and being forced to pay for these unauthorized charges.
I had no idea this occurred and when I became aware I reported it and told them I had not seen statements to know.
They keep insisting Im liable due to their speculations and false accusations without objective proof basing everything on what could have happened what I couldve done. Falsely accusing me of doing this without objective proof making me feel like I need to defend myself from them placing me in a position of defending myself as if Im a criminal.
It is I believe their join to help customers not use everything to pin charges on them because they cant find anyone to blame.
Im being forced to pay for unauthorized charges. And when resolving dispute they said they resolved dispute. They did not Resolving a dispute between customer n creditor involves a resolution between parities. This is not resolved to me. Or when I received a letter they stated they needed more information without speaking to me same day they sent a. Letter saying they concluded the investigation. And holding me liable.
Essentially the dispute was not handled properly or timely. Please call me for more info pleas e.
Discover falsely accused customers and makes the. Believe they did something wrong putting the. In a defensive mode as if they have to figure out how to be detectives and forced to accept liability for unauthorized charges.
I regret this card. Please do not get Discover card.
Company Response: Closed with explanation
2019-09-20
N San Juan, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: XXXX XXXX XXXX told XXXX XXXX a false statement said unauthorized transaction get me Owe {$4000.00} to Discover. I can not afford to pay {$4000.00} XXXX XXXX was doing XXXX with XXXX for two months but I'm going to defend discover and my credit report I got proof that XXXX XXXX is doing bank fraud
Company Response: Closed with explanation
2019-09-20
Taft, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I sent a letter to discover financial services about an account that they are reporting on my credit report that I have no recollection of on XX/XX/2019 i had an affidavit signed and mailed to discover financial about the account ending in # XXXX on XX/XX/2019. I still have not got a response from discover financial only update i seen on my credit report was that the account was charged off instead of being deleted I will attach proof of the date my affidavit was created and also that the account was charged off instead of deleted from my credit report.
Company Response: Closed with non-monetary relief
2019-09-20
Smyrna, GA
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
2019-09-20
Ny City, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.
Company Response: Closed with monetary relief
2019-09-20
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so.
The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Company Response: Closed with explanation
2019-09-20
West Side, 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
2019-09-20
Bakersfield, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me.
I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me.
On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt.
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me.
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft.
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed.
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer.
I asked if the loan has be securitized and they CUSIP number for which it was securitized.
I asked them to make available for visual inspection my original wet ink promissory note.
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed.
I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
Company Response: Closed with explanation
2019-09-20
Boston, MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Dear CFPB, On or around XX/XX/XXXX a representative of Discover Card called my mother XXXX and claimed that she opened a Discover card account in XXXX. My mother is XXXX years old and even if she had a Discover card in the past her account was closed more than ten years ago.
Despite the fact that my mother denied having an open Discover card account, the Discover representative speaking to her via an interpreter conducted the conversation with an attitude of crime investigator and insisted that a card in her name was opened in XXXX and ( as she understood it ) she was a subject to a fraud investigation.
I find the behavior of the Discover card associates conducting the phone call unacceptable. I am a discover card holder for about 13 years and would really appreciate that you do not talk to my relatives in the manner described above.
I would also like to inform Discover that I find it unacceptable to disclose any information about my Discover card account to anyone that I have not specifically authorized to disclose the information to.
After XX/XX/XXXX the online access to my account was restricted and wen I was attempting to log in into my account I was receiving the message that you can see in one of the attachments.
It is concerning that Discover not only handles their communications in an unprofessional manner, but it also blocks customers accounts selectively based solely on the fact that the customers are not typical customers.
As of today my account is adversely affected since I can not enjoy the same level of services as other Discover customers have and Discover has not provided me with any reasons, other than the fact that they have not talked to me over the phone, indicating why my account is adversely affected.
Company Response: Closed with explanation
2019-09-19
CT
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted.
And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures.
XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again.
What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories.
Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Company Response: Closed with explanation
2019-09-19
Sm, KS
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 decided to use the chat service in Discover cards app because I needed to dispute a transaction from the week earlier. The first rep seemed like they were disputing it for me there was around 20 mins of nothing in the chat. She then comes back says they treat chats like emails and get back to who they want when they want and she wasn't going to dispute my transaction because it was a service. I pointed out the difference between a service and merchandise and asked for a manager. A manger did not text back for 8 hours and said they were not going to dispute my transaction and I had to go back to the merchant that already did not help. I pointed out on their own credit card resource page it says the FTC requires disputes in certain cases and I have disputed such things before with them since I've had the card for almost 15 years and was successful. She said she would not dispute my transaction from XX/XX/2019 because she determined it not to be in my favor personally. As I understand disputes are required to go through a process where they are clearly documented. I do believe this is a violation of consumer protection laws and needs to be investigated. I know interest rates are dropping on credit cards and in turn making their profits slimmer but taking away consumer protections is not the way to do get bigger profits. I have attached screen shots of the chat where the representative and the manager refused to file my dispute for me.
Company Response: Closed with monetary relief