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 226
2017-02-13
Hamburg, MN
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: Good afternoon I thank you for responding back to my complaint inference to discover account XXXX XXXX I would Like to ask you per The FCRA XXXX ( A ) ( XXXX ) ( A ) AND sECTION XXXX ( A ) ( XXXX ) ( A ) Per the the FCRA I have the right to ask for a copy of the application with My Signed Signature attached It 's a federal Law also If you could provide The cfpb a copy of this document If you are unable to Provide this Information I urge to to remove this account from my credit file XXXX. Disclosures to consumers XXXX XXXX XXXX. XXXX ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request except that -- ( XXXX ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and XXXX - XXXX U.S.C. XXXX XXXX the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( XXXX ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( XXXX ) ( A ) Identification of each person ( including each end-user identified under section XXXX XXXX XXXX ) ( XXXX ) [ XXXX ] ) that procured a consumer report ( i ) for employment purposes, during the XXXX period preceding the date on which the request is made ; or XXXX ii ) for any other purpose, during the XXXX period preceding the date on which the request is made.
XXXX XXXX XXXX XXXX identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person.
( C ) Subparagraph ( A ) does not apply if - ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) ) ; and ( XXXX ) the head of the agency or department makes a written finding as prescribed under section XXXX ( b ) ( XXXX ) ( A
Company Response: Closed with explanation
2017-02-12
Eagle Crest, OR
Delinquent account
Credit card:
Company Response: Closed with explanation
2017-02-12
MO
Other fee
Credit card:
Complaint: Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.
Company Response: Closed with explanation
2017-02-12
Ellicott, MD
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with explanation
2017-02-11
MA
Taking/threatening an illegal action
Debt collection: Credit card
Sued w/o proper notification of suit
Complaint: This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.
Company Response: Closed with explanation
2017-02-11
Las Vegas, NV
Incorrect information on credit report
Credit reporting:
Account status
Complaint: Discover credit card never issued me a statement for the months of XXXX and XXXX, and I was not able to log in and see my statements online and they are reporting me as being over 30 days and over 60 days late. This is preventing me from purchasing my first home and needs to removed immediately.
Company Response: Closed with explanation
2017-02-10
Nampa, ID
Billing statement
Credit card:
Company Response: Closed with explanation
2017-02-10
Orlando, FL
Customer service / Customer relations
Credit card:
Company Response: Closed with explanation
2017-02-10
Carrsville, VA
APR or interest rate
Credit card:
Company Response: Closed with explanation
2017-02-10
Brooklyn, NY
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.
Company Response: Closed with explanation
2017-02-10
Portsmouth, VA
APR or interest rate
Credit card:
Company Response: Closed with explanation
2017-02-10
San Francisco, CA
Disclosure verification of debt
Debt collection: Credit card
Not given enough info to verify debt
Complaint: I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law
Company Response: Closed with explanation
2017-02-10
Ft Lauderdale, FL
Other
Credit card:
Complaint: Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus.
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf.
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf.
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.
Company Response: Closed with explanation
2017-02-09
Denver, CO
APR or interest rate
Credit card:
Company Response: Closed with explanation
2017-02-09
Fairmount Cty, PA
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2017-02-09
Bedford Park, IL
Closing/Cancelling account
Credit card:
Company Response: Closed with explanation
2017-02-09
Casselberry, FL
Billing disputes
Credit card:
Company Response: Closed with explanation
2017-02-09
Newark, DE
Incorrect information on credit report
Credit reporting:
Account terms
Company Response: Closed with explanation
2017-02-09
Augusta, GA
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2017-02-09
TX
False statements or representation
Debt collection: Credit card
Attempted to collect wrong amount
Complaint: I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.
Company Response: Closed with non-monetary relief
2017-02-09
Birmingham, AL
Can't repay my loan
Student loan: Non-federal student loan
Can't get flexible payment options
Complaint: I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.
Company Response: Closed with explanation
2017-02-09
Santa Monica, CA
Account opening, closing, or management
Bank account or service: (CD) Certificate of deposit
Company Response: Closed with explanation
2017-02-08
Louisville, KY
Transaction issue
Credit card:
Complaint: I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
Company Response: Closed with explanation
2017-02-08
Santa Monica, CA
Account opening, closing, or management
Bank account or service: (CD) Certificate of deposit
Company Response: Closed with explanation
2017-02-08
Gardner, MA
Dealing with my lender or servicer
Student loan: Non-federal student loan
Received bad information about my loan
Company Response: Closed with explanation