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 229
2017-02-01
Jupiter, FL
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response: Closed with explanation
2017-02-01
Amherst, OH
Closing/Cancelling account
Credit card:
Company Response: Closed with explanation
2017-01-31
Castle Rock, CO
Privacy
Credit card:
Company Response: Closed with explanation
2017-01-31
Alhambra, CA
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2017-01-31
NJ
Billing disputes
Credit card:
Complaint: I am documenting this since i believe i will ultimately wind up in court with this bank. i made a new years resolution to live differently and be treated differently. by all. i am being treated with scripts, bullying and having things reiterated i dont need and did not ask for. I have asked for help i still have not received. just scripts and copies of agreements i did not ask dont need and my 20 plus year record reflects i do understand. I dispute the interest, the late fee on XXXX and various other fees on my account i will not pay. if i do not get help soon the accounts will go into default as i know this is the only way to get help. The fact discover has singled me out how i am handled, i write to the CEO and he persists in sending my concerns to the same people who do not listen do not give me what i ask and persist in scripting me to death settling nothing. Credit card agreement does not deny me the right to dispute fees which i am now. late fee. i was not late and IF i was it would be first time in 20 years It needs to be refunded.
Interest. i asked for a promo or for help none so they think and they are wrong i will pay the interest. Now instead of this process merely being a stamp on a letter where this agency seemingly does nothing. this practice and how i am being treated particularly in light of all the customership i have been there for is questionable. It changes nothing. I cant pay all this. it seems once i default which i will there will be help. this should change so its NOT dissatsifaction nor a need to get the agreement its DISPUTE and CONTEMPT for the way i am being treated and not assisted. I am being bullied. The thought is she will pay it lets ignore her. you are wrong. i will protect myself and protect my interests and what is right.
this bank spends money on paying people to do nothing but stonewall. I did not receive statements i asked for and they wont send them saying they were not returned that does not mean i have them which i do not.
I do not nor do they live long enough for this aggravation. help or the accounts default. period. i pay no fees WHY? not because i dont understand the agreement because i dispute them XXXX and because i asked for a way to avoid them let a judge decide but you will NOT bully me. All issues for the legal record previously brought to this offices attention remain unresolved. No other bank acts this way. All help. I will not sit like a sitting duck with my exemplary record of 25 years and pay interest and fees when i have asked to move the balance and when on XXXX i was NEVER late in 20 years. As for XXXX monies are building on that despite me being told way back i paid all balances upon which interest was accruing. Let the judge decide. I have had it. All that money there and this is the way they handle customers of 25 yerars? with scripts and bullying. and pretending i am asking for things i am nto clearly avoiding my requests? NO send statements refund fees. work with me it will be cheaper for you what you think i will do and can is wrong. i am tired of asking. PERIOD again nothing has been resolved that has been sent here. i cant imagine how they treat a bad customer. STonewall city with scripts.
Company Response: Closed with explanation
2017-01-31
Oxford, GA
Other
Credit card:
Complaint: I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.
Company Response: Closed with explanation
2017-01-31
Lewisville, TX
Delinquent account
Credit card:
Complaint: Discover Card is / has charged off my credit card debt. I am in dispute with my mortgage company over a failed refinancing and a failed loan modification. Proceeds from these actions were to be used to pay off my credit card. I am pursuing legal action against my mortgage company.
Company Response: Closed with explanation
2017-01-30
Dothan, AL
Dealing with my lender or servicer
Student loan: Non-federal student loan
Received bad information about my loan
Company Response: Closed with explanation
2017-01-30
Santa Monica, CA
Account opening, closing, or management
Bank account or service: (CD) Certificate of deposit
Company Response: Closed with explanation
2017-01-30
Huntsville, AL
Dealing with my lender or servicer
Student loan: Non-federal student loan
Keep getting calls about my loan
Company Response: Closed with explanation
2017-01-30
Dexter, KY
Transaction issue
Credit card:
Complaint: I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.
Company Response: Closed with monetary relief
2017-01-30
Miami, FL
Account opening, closing, or management
Bank account or service: Other bank product/service
Company Response: Closed with non-monetary relief
2017-01-30
CO
Balance transfer
Credit card:
Complaint: I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX
Company Response: Closed with monetary relief
2017-01-30
Sacramento, CA
Customer service / Customer relations
Credit card:
Complaint: In the grander scheme of my turbulent turbulent relationship with DFS- Discover CC, Discover Bank , this particular complaint is truly not a big deal but I am writing to a complaint because I am at a loss for how to continue forth with DFS. I received an email 19 hours ago- today is XX/XX/2017 the current time in XXXX. The email informed me that there was that important information needed to be discussed with me in regards to my account, seeing that this was the first time I have ever received an email like this and given the chain of events that started in XXXX until now, I wanted to just make sure that I did my part- and what was necessary to, so at least, on my end, I will. know that I did what I could/ what was asked of me. Now, I initially tried to address this via chat helpdesk- the rep had no idea what I was inferring about, I was advised to call DFS- which I did just moments ago. XXXX from Ohio answered my call ( unaware of why this email was sent ) - he then passed me along to Payment Protection, and that def was n't where I was supposed to go- the rep from PP just like the chat helpdesk, and just like Stefan- had no clue as to why I was asked to call. I went back to rep in customer service- same issue- same outcome, last- I was transferred to billing and nobody seems to know why I was via email to contact DFS. Normally this is not an issue, but seeing that I WAS very unhappy with the outcome pertaining to a dispute that I never wanted to actually make in the first place, as I was merely calling in regarding a possible discrepancy about the charges made for the XXXX, I let my emotions get the better of me, I could not shake the fact that I think that due to ME FEELING like I was misinformed that I was getting punished for- and them some. It has been almost 5 months now since that and I AM JUST TIRED. Can we stop? Please? Look- it was my fault that I did not look over my account with DFS as diligently as one should while I was working overseas, I get that and I have learned my lesson. However ; I truly believe that there are very blatant within the customer support ( both via chat and by phone ), billing & dispites, internet/ web services, and even the payment protection departments- I am sure there are other department which were not addressed- please take those department into account as well. How is it that an email is sent to me asking for me to contact DFS and NOBODY seems to know why? Is it really OKAY for my CC company to not provide 4 months of statements, bc I there was zero activity? Is there set number of time that I need to personally reach out to DFS- to inquiry about the same issue or request the same state? I am TRULY ASKING THIS QUESTION bc if I can be presented with a number- I do n't think I would so frustrated. I have contacted DFS 7 times pertaining to transfer balances, for this email that was sent to me- I had to go through 5 channels. When the billing department was not available for chat earlier this week- I tried to go through the chat helpdesk- both times FAILED- if billing is not able to chat, why cant that just be indicated to the card member PRIOR TO THE CHAT? If DFS is going to send me some random email requesting for me to call- WHY NOT GO A LITTLE MORE IN DETAIL, so then 5 people- 7 ( YES I NEED TO COUNT MYSELF AS TWO PEOPLE NOW, SEEING AS I HAVE WASTED WAY TOO MUCH TIME ON NONISSUES ) do not have to waste time? I do n't think that this is the best way to utilize man hrs./ productivity. Please lets just end it- no more please.
Company Response: Closed with explanation
2017-01-29
Cedar City, UT
Balance transfer
Credit card:
Complaint: On XX/XX/XXXX I when reviewing my old credit card statements for Discover in order to figure out why my credit card charges had gotten so high. In the statement dated XX/XX/XXXX and card ending in XXXX I notice a balance transfer on XX/XX/XXXX to my Discover card for {$4000.00} dollars for which I 'm the only authorized user and card holder. During this time I had been working a 70-80hrs a week and had neglected to review my electronic statements and during that month I knew there had been some major XXXX purchases which was another reason I had not discovered the unauthorized balance transfer. Upon discovering this on XX/XX/XXXX I called Discover and they said I would have to call back during business hours the next day and talk to the fraud department. So the next day I called the fraud department and they indicated I would have to implicate someone and file a fraud claim in order to get it investigated and that would take 90days even though it listed the balance transfer check number on the statement, so I file a possible fraud charge indicating who I though might have done it but not know for sure who. So they immediately discontinued that card and sent me a knew on while that investigated the claim. On XX/XX/XXXX in the late afternoon the lead investigator contacted me and indicated that these where serious accusation and wanted to know if I wanted to pursue the claim but would not tell me who it was but said they would go after the person I had implicated and that I should file a Police report with the local authorities. At this point I indicated that I did not want them to contact the person or report the person I had implicated because I needed to know it was that person first and that I did not want to go around making false accusations without any evidence. She then said they would go after this person for the money and then I got very upset and it got a little heated as I said why ca n't you just give me the two simple things I 've asked for since its my account and my credit card, I need to know who the check was made out to and who signed it, thats all Im asking. She said they would have to finish the investigation and then release that information to the police. I said well Im not comfortable doing that without any evidence and just to forget it if they could not give me the information I ask for. I feel like I was bullied into withdrawing the fraud claim because they wanted me to do all these thing to implicated someone when I had no concrete evidence. Despite this the affidavit of fraud to fill out still came in the mail followed by a letter stating they were withdrawing the claim per my request. So I decided to report it to the local authorities on XX/XX/XXXX and filled out the form and sent it in on XX/XX/XXXX with a note stating that I wanted to pursue the investigation so the Police could do there job in filing my report to them and that I needed to know who had done this. On XX/XX/XXXX I called to see if they had received the affidavit and they said they had not but took down all the police information requested in the form. Finally on XX/XX/XXXX I called Discover agains since 2 weeks prior I had contacted the Police Chief who said he still had not heard from Discover. The first person I talked to said the investigation as closed and said I would need a fax or email for them to forward the information to the police and then transferred me to the lead investigator who indicated they would not reopen the investigation or forward to the police since I withdrawn the claim and it was considered a domestic dispute. So I asked who signed it and who it was written to? She said the personI had implicated was who it was to and she had also signed it, to which I said I need a copy of that check and she said they would mail it to me and when it came it was made out to the implicated but signed by me and not my signature.
Company Response: Closed with non-monetary relief
2017-01-28
New York, NY
Dealing with my lender or servicer
Student loan: Non-federal student loan
Trouble with how payments are handled
Company Response: Closed with explanation
2017-01-28
Norfolk, VA
Transaction issue
Credit card:
Complaint: I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.
Company Response: Closed with explanation
2017-01-28
VA
Credit card protection / Debt protection
Credit card:
Complaint: I found a hard inquiries on my credit. These are XXXX, XXXX, Discover Bank, XXXX. I have a concerned that somebody stole my identity.
Company Response: Closed with explanation
2017-01-27
Las Vegas, NV
Credit determination
Credit card:
Complaint: I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.
Company Response: Closed with explanation
2017-01-27
OH
Incorrect information on credit report
Credit reporting:
Information is not mine
Complaint: My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?
Company Response: Closed with explanation
2017-01-26
Eugene, OR
Identity theft / Fraud / Embezzlement
Credit card:
Company Response: Closed with explanation
2017-01-25
Jackson, WY
Billing statement
Credit card:
Company Response: Closed with explanation
2017-01-25
Miami, FL
Billing disputes
Credit card:
Company Response: Closed with explanation
2017-01-25
Brooklyn, NY
Dealing with my lender or servicer
Student loan: Non-federal student loan
Trouble with how payments are handled
Company Response: Closed with explanation
2017-01-25
Landfall Village, MN
Billing disputes
Credit card:
Company Response: Closed with explanation