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 211
2017-04-28
Groton, MA
Opening an account
Checking or savings account: CD (Certificate of Deposit)
Unable to open an account
Complaint: Tried to open a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.
Company Response: Closed with explanation
2017-04-28
Seattle, WA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: On XXXX XXXX XXXX XXXX , notification ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on XXXX / XXXX / XXXX to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to XXXX XXXX /month. Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in XXXX XXXX XXXX , and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.
Company Response: Closed with explanation
2017-04-28
Shulerville, SC
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
2017-04-28
Silver Spring, MD
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 card was used by someone while I was not in the coun try ( USA ). I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.
Company Response: Closed with non-monetary relief
2017-04-28
Brooklyn, NY
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
2017-04-28
Kingstree, SC
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: I graduated with a XXXX XXXX XXXX in XXXX XXXX . Once my Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is XXXX and on a limited, fixed income. She has been harassed and threatened by calls from Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up. Discover received {$3400.00} in XXXX XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
Company Response: Closed with explanation
2017-04-27
PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a Home Equity loa n. When I received the property report on XXXX XXXX , XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number - XXXX Plaintiff - Discover Bank Address - XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX Date Recorded - XXXX / XXXX / XXXX Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney XXXX XXXX XXXX of XXXX XXXX XXXX , XXXX . on XXXX XXXX , XXXX . The attorney asked me to confirm the last XXXX digits of my social security number. He advised me that the social security number he had on file had different last XXXX digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.
Company Response: Closed with explanation
2017-04-27
E Stroudsburg, PA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-04-27
Winter Park, 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
Company Response: Closed with explanation
2017-04-27
Kosmosdale, KY
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 non-monetary relief
2017-04-27
Allentown, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2017-04-27
Palm Bch Gdns, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with non-monetary relief
2017-04-26
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Inquiries added to my report that I did not authorize
Company Response: Closed with explanation
2017-04-26
Auburn, AL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2017-04-26
Bronx, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: DISCOVER CARD BALANCE TRANSFER WAS OFFERED I ACCEPTED IT NOT NOTICING AT TH E TIME SOME FINE PRINT A FEW DAYS LATER AS WELL AS OTHER DETAILS. SO I CALLED IN AND INFORM THEM THIS OFFER IS NOT IN MY BEST INTEREST. THEY TOLD ME THE PROCESS HAS ALREADY STARTED. I ASKED WHAT DO I HAVE TO DO. THEY SAID YOU HAVE TO RETURN THE MONEY BACK IN FULL. OF COURSE YOU KNOW IT IS A PROCESS FOR THEM TO SEND THE MONEY TO ANOTHER BANK AND ITS A PROCESS FOR ANOTHER BANK TO SEND THE MONEY BACK TO THEM. WELL DISCOVER CARD STARTED THE PROCESS ON XXXX XXXX 2017 THE MONEY WAS PAID IN FULL BACK TO THEM XXXX XXXX 2017 . YET THEY REFUSED TO REFUND ME THE {$400.00} FEE THEY CHARGE ME FOR THE BALANCE TRANSFER AGREEMENT WHICH I DO N'T HAVE NOR WANT. I WAS TOLD TO CALL TH E OTHER BANK AND ASK THEM FOR THE {$400.00} WHICH IS STUPID BECAUSE DISCOVER CARD BILLED ME {$400.00} NOT THE OTHER BANK IF ANYTHING THE OTHER BANK PAID EVERYTHING IN FULL ( SO DISCOVER CARD OWES ME ). THEIR REPRESENTATIVE KEPT REPEATING THE SAME THING OVER AND OVER AGAIN WHAT HER SUPERVISOR AND THE BALANCE TRANSFER DEPT TOLD HER TO SAY. FINALLY I TOLD THEM I WILL BE REPORTING THIS INJUSTICE AND GREED BECAUSE I WILL NOT BE TAKEN ADVANTAGE OF. I WAS ASKED TO RETURN THE MONEY AND I DID JUST THAT. YET YOU STILL BILLING ME FOR AN OFFER I DONT HAVE. I NEED HELP!!! THIS IS NOT RIGHT. THE ACCOUNT MANAGER SAID THEIR IS NOTHING SHE CAN DO. I ASKED HER TO NOTE MY COMPLAINT AND THAT I WILL BE FILING COMPLAINTS AS WELL AS INFORMING THE MEDIA, THE BBB, THE INSPECTOR GENERALS OFFICE, AND THE FEDERAL TRADE COMMISSION IF I AM NOT REFUNDED ... .. PLEASE HELP ME BEFORE THIS GETS UGLY BECAUSE I WILL TAKE THEM TO COURT ... .. THANK YOU
Company Response: Closed with monetary relief
2017-04-26
Denver, CO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2017-04-26
Northdale, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with non-monetary relief
2017-04-26
Dola, WV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2017-04-26
Nyc, NY
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: On Monday, XXXX XXXX , XXXX , I was contacted by Discover Student Loans a bout a loan that had originally be taken out with XXXX in XXXX . The loan was sold t o Discover a few years back. The customer service who contacted me identified that she was calling with the co-signer, XXXX XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer, XXXX XXXX , was on the other line. I hung up at this point. XXXX XXXX is not the co-signer for this loan, this loan does not have a co-signer. I was older than XXXX XXXX XXXX and did not require a co-signer for this student loan. XXXX XXXX ' name is not on the XXXX for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified XXXX XXXX as a co-signer. This is deceptive, the representative lied to me and to XXXX XXXX who is aged and was rightfully very upset and confused by the phone call.
Company Response: Closed with explanation
2017-04-26
Las Vegas, NV
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
Company Response: Closed with explanation
2017-04-26
Brooklyn, NY
Getting a loan
Student loan: Private student loan
Confusing or misleading advertising
Company Response: Closed with explanation
2017-04-26
Billerica, MA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I received my monthly statement from discover for XXXX XXXX the to XXXX XXXX XXXX . It had an additional fee charged as minimum interest charge fee. I called to ask Discover what the charge is about and I was told by XXXX ( EMPLOYEE ID # XXXX ) that it was for my XXXX purchase on XXXX XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in XXXX XXXX , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers. It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.
Company Response: Closed with explanation
2017-04-25
Fleming, GA
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: On XXXX XXXX , 2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n XXXX XXXX , 2017 , I spoke with XXXX in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place two types of checks in the envelope-both cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked XXXX what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or XXXX XXXX ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.
Company Response: Closed with monetary relief
2017-04-25
IN
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 am writing to your agency in hopes you can help me with some charges on my Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate. Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were : XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX . I might of forgot some names.
Company Response: Closed with explanation
2017-04-25
Ft Wayne, IN
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Company Response: Closed with non-monetary relief