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 24
2019-09-10
Green Acres, FL
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
2019-09-10
Salt Lake City, UT
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
2019-09-10
Mount Vernon, WA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Company Response: Closed with monetary relief
2019-09-10
Snellville, GA
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
2019-09-09
Foothill Ranch, CA
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Complaint: On XX/XX/XXXX, I contacted Discover and explained to them that I am XXXX years old and my daughter is willing to help me out with a lump sum settlement. I explained that I have no assets and live on my social security only and that I will have no choice but to stop making payments or go into a bankruptcy. I was told by the representative and her supervisor that there are " no programs available. '' I informed her that I can not make the payments and I am willing to pay a lump sum and settle or stop paying and she said she noted the account but there is noting she can do. Her name is XXXX. I did not speak with her supervisor. I have made a good faith effort to settle this debt at XXXX years old.
Company Response: Closed with explanation
2019-09-09
Southern Pnes, NC
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
2019-09-09
Bedford, TX
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 spoke with a lawyer and they told me to contact you'll concerning my problem with discover credit i called discover on XX/XX/XXXX at XXXX ; XXXX and spoke with XXXX about the {$7000.00} charges on my card they canceled my card and said they would investigate later i received a letter stating they reviewed my account and determined the transactions was not authorized by me and all unauthorized charges have been credited to my accounted and when i received my statement there were no changes to my account i called them back and i was told the letter was a mistake and they can only go back to XXXX and check my statement i ask were they destroyed she said no their system want allowed them to go pass XXXX i ask how you know i owe that amount if you can't see the charges she said i can't go pass XXXX i only want them to show me the charges that i know didn't make and i don't want to destroy my XXXX credit score by not paying for charges i didn't make please help me if you can
Company Response: Closed with explanation
2019-09-09
Woodbury, PA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.
Company Response: Closed with non-monetary relief
2019-09-09
Gilman, IA
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
2019-09-08
Hayward, CA
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
2019-09-07
Oxford, 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: discoverfraud CFPB CASE XXXX CFPB closed my case wont let me reply to them so I have to create the dialogue below to continue the case XXXX.
During the course of our investigation, our Fraud Investigations department was unsuccessful in contacting you regarding your fraud claims. -- -- -If you have even read my affidavit? I can't return your call when in XXXX even when I pay to call international, your 800 # was restricted. I was fast enough to pick up XXXX 's call once ( we have confirmed the id copy id fraud sent you was the expired lost/stolen copy of my old license!! ) while in XXXX but XXXX who actually IS the investigator never tried to call me even once. That's just for the first 2 months of the investigation. I flew back in XXXX and started to call you every day initiatively till XXXX.
The initial police report information you provided was determined to be invalid by the XXXX Police Department. -- -- -- -- I have told you over the phone it was a temporary report # while in XXXX as I can't call international to local police department. I told you temp pr # already you can't use the word invalid, it's just not the final report #. I have given you 1 XXXX police report for XXXX WHEN purse is lost and stolen which is legit report # but you hide it and never mentioned.
I have later filed another discover fraud id theft police report XXXX with my local XXXX police dept again, in XXXX when I came back from XXXX, which is also legit. Both legit police reports you are hiding and never even mentioned.
In response to our request for validation of the disputed transactions, the merchant provided documentation including a copy of your drivers license, details of the services provided, copies of the signed receipts and signed consent forms -- -- -- -- -- Again their drivers license is that expired lost/stolen copy of my old license!! Other POS papers and consent papers, their descriptions can all be fraudulently produced!! YET you never mailed none of those id theft provided papers copy to me while I have challenged.
Plus I have challenged you and id theft to provide my accurate current info and my physical exams data for the LEAST VITAL DATA that a XXXX $ medical procedure / medicines payment should at least have performed. Again none was provided.
Plus they have XXXX of my personal insurance companies info. Right there is the flag of fraud. I use insurance for ALL MY MEDICAL NEEDS.
On XX/XX/XXXX, we again reviewed your claims per your assertions and provided temporary credits for the disputed transactions, pending the outcome of the investigation. As the outcome of the additional review determined no fraud occurred, the temporary credits were removed on XX/XX/XXXX -- -- -- -- -you did absolutely nothing for this so called " re-investigation '' keep repeating all those lies TWISTED ACCOUNTS above is what I have heard every-time I have called you.
The information you provided, including the fax received on XX/XX/XXXX, did not provide sufficient evidence to overturn the outcome of our investigation. -- -- -- - As your fraud supervisor requested I have faxed my current georgia driver license, affidavit and the police report XXXX is attached right here, these are what you wanted from me, how is that not sufficient? HOW IS THAT NOT SUFFICIENT?
Additionally, we received information regarding an additional police report that was filed with the XXXX County Police Department that contained fraud allegations, but when contacted, the XXXX County Police Department advised that the report did not mention any specific charges being disputed or what type of card the alleged fraud occurred on. -- -- -- -- -- -- the police report you are talking about # XXXX is attached right here with our CFPB CASE XXXX. I invite everybody out there to judge the narrative part below : Found my dormant discover card being used for almost XXXX at/by XXXX 's business. Before had a folder with several expired, invalid cards lost from a gas station, this credit card has been dormant for a long time might have misplaced in that lost folder with other expired, invalid or closed cards and personal scratch documents. Ironically couple days before this transaction was my mother 's death, I was her only child in the country, her bag around her stomach has hers and my personal info & cards are also stolen, police report # XXXX with officer badge number XXXX. For the past 3 months I have not even had time to go to work but handling my parent death and caring for my XXXXyear-old. There is no possible way I will be going to seeing ent/facial and spent almost XXXX in 1 day after parent death while I can't even pay for her funeral. I have to ask for school 's donations for funeral. All in all this fraud transaction has come at the wrong timing, right after death, and I'm her only child ... ... the most helpless chaos ever happened in my life-time while my child can't even continue to school here, I have spent the following two-three months in XXXX handling the aftermath of death and moving my family schooling to XXXX. Fraud happening is the last time I want to think of ... ... ..
HOW IN THE WORLD THE POLICE REPORT did not mention any specific charges being disputed or what type of card -- -- -DISCOVER CARD! If you have even read anything and did any " investigations ''? None of the above twisted accounts and XXXX XXXX lies will you type out.
TOTALLY I HAVE PROVIDED TWO LEGIT POLICE REPORTS REGARDING THE TWO FRAUD TRANSACTIONS, XXXX police report # XXXX ( LOST STOLEN REPORT IN XXXX ) & POLICE REPORT XXXX ( DISCOVER FRAUD XX/XX/XXXX ) Although we consider your balance to be valid, due to your continued dispute, we have reported the account to the credit reporting agencies as disputed and will continue to report it as such unless you tell us to stop reporting it as disputed -- -- -- -- -- -another lie, pls tell all FOUR credit bureaus that this account is under fraud dispute and paid in full closed back at the end of XX/XX/XXXX statement. They are still reporting it as a normal opened LATE account in theirs.
... ... ... .quote " as mentioned previously, ever since XXXX paid the id theft about XXXX $ early this year ( XXXX while I was in XXXX ) without ever talking to me, the whole discover-fraud team has been reluctant to talk to me after she paid recklessly ( she paid fraud way before case expiration, never allowed time for fair investigations ). My understanding is they can't get their payment back from the id theft even if they could help me justify the fraud, then they might as well pass the mistaken payment error to the victim as much as they could. "
Company Response: Closed with explanation
2019-09-07
Key Biscayne, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Hello. Im writing this complaint in regards to a fraudulent account that was opened under my name in 2013 with Discover Credit card. I have never had a discover card nor have I authorized one to be opened. DiscoveXXXX is calling me harassing me and they said they are investigating it but they also opened a lawsuit against me for {$18000.00}. I tried to applied for a loan and I was denied because of this debt. I cant open anything or even apply for a place. This is affecting me and my credit tremendously. Ive been sending in all types of proof to discover that I have not been the user on the card such as proof of address to where I have resided for over 10 years in XXXX, Fl and the address they have on file where the card was sent was in XXXX, FL. I also sent them in my debit card bank statements where I was making charges in Nevada and the discover card was being used at XXXX XXXX XXXX the very same day. Ive also filed a police report. This is becoming such an issue and now they are taking me to court.
Company Response: Closed with non-monetary relief
2019-09-07
Smyrna, GA
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 non-monetary relief
2019-09-07
Long Beach, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: back in XXXX I paid off my discover card and asked to close my account however since XXXX was a able to keep my account open and then make about 4k in transactions and pay with the bank account that was on file with the card. however I told my bank not to allow any more transactions out of my bank to that company so they blocked ALL payments. I called discover to report this as soon as the first payment was attempted from my bank however they failed to close the account there were about 8 more failed payments and by the time discover shut down the card it was =dude to amount of failed payments. since then I was told by discover that they were going to give me a call back I sent several letters to the company however they failed to call me back or send me letters. I just found out that they placed a judgment against me in XXXX however they never notified me of court I was never served and to be honest this is crazy I don't know how they are able be operating in the usa1!!
Company Response: Closed with non-monetary relief
2019-09-07
Santa Clara, CA
Incorrect information on your report
Student loan: Private student loan
Information belongs to someone else
Company Response: Closed with explanation
2019-09-07
Flushing, NY
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
2019-09-07
Lithia Spgs, GA
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
2019-09-07
Odell, OR
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: I am attaching a rather lengthy PDF document describing the extreme difficulties/issues I am having to deal with because of the blatant errors caused and created by Discover Card ALONE in what should have been a simple Bank Transfer. I have been lied to repeatedly ; and given wrong information on multiple occasions.
When applying online for a Balance Transfer with Discover Card, one does not know how much their Credit Limit/Credit Line will be ; so when filling out the online form, there are numbers from approximately ( 1 ) to ( 4 ) where one can list their credit card debt in the order of their importance ( with # 1 being assumed to be the first choice ). Therefore, in my case, I listed XXXX XXXX XXXX as my # 1 Priority for a Balance Transfer. Unfortunately, Discover Card processes one 's online application immediately ; even before the Credit Limit/Credit Line has been determined ; and leaves it up to their computer system to identify the lowest level balance ; and pay that balance off in full first ( if possible ). Therefore, again in my case, no one at Discover Card ever explained this critical piece of the puzzle to me. Unbeknownst to me, even after I had discussed my crystal clear instructions to a live Discover Card Customer Account Manager to apply the full amount of 95 % of my Discover Card Credit Limit/Credit Line balance to XXXX XXXX XXXX, this particular employee apparently just chose to let the computer decide for me ; without telling me or even discussing it with me! Had I been told of this computer system policy, I would have immediately cancelled my Balance Transfer Request! Apologizing for the fact a Discover Card Customer Account Manager answering the phones failed to disclose that critical piece of information to me before any Balances Transfers were made is a gross oversight and unconscionable on the part of a purportedly reputable Financial Institution. Financial Institutions like Discover Card have a fiduciary responsibility to all of their Customers to thoroughly train their Employees in all of the nuances involved in facilitating any number of different financial banking functions ; with NO exceptions! Apologizing after the fact for an employee making a mistake involving either a lack of training and/or a lack of banking knowledge or of specific banking products is a totally unacceptable financial business practice.
Company Response: Closed with monetary relief
2019-09-06
Bayonne, NJ
Managing an account
Checking or savings account: Savings account
Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief
2019-09-06
Jackson, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2019-09-06
East Windsor, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances.
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.
Company Response: Closed with monetary relief
2019-09-06
Brooklyn, NY
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: On XX/XX/XXXX I purchased cell phone service with XXXX by XXXX from XXXX XXXX, for my brother, at a cost of {$190.00}. At the time of purchase I was sold one phone with the second phone free and I requested a {$30.00} plan, which is what I had on my own phone. I was told the second phone could be used to replace the phone I was using but I had to wait three days to transfer my data to the new phone. I returned to the store after the three days had elapsed, on XX/XX/XXXX, to transfer my data to the free phone. That is when I found out we had been duped. When I related the reason for my visit to the store, the rep brought up the account and disclosed to us that the account had two lines with a {$50.00} plan, she also showed us on the screen all the other charges, like insurance, that the rep who open the account had charged us, unwittingly. ( I remember asking her, when the account was opened, why it was so much if one of the phones was free and she provided a plausible explanation. ) At that point, I asked the rep to reverse the transaction. She indicated that she could fix it and claimed she did so. By the time she was done removing all the charges that I did not authorize, putting the {$30.00} plan on the account, and removing the second line, which we knew nothing about, a {$70.00} refund was due ( which I later found out should have been {$86.00} from the calculations the rep made on the back of my receipt ). She indicated that she would apply it to the bill so for two months and a partial month no payment would be due. The rep had to call the owner/boss to have the changes authorized and he asked to speak to me. He apologized and told me to keep the free phone for the inconvenience and assured me that everything was in order.
On XX/XX/XXXX, my brother informed me that he received a text message that a payment of {$100.00} was due by the XXXX. I instructed him to return to the store and inquire about it. He did so and the rep he encountered was outright hostile so he called me before the situation escalated. I asked to speak with the rep and reminded him of the situation, since he was present in the store and we initially dealt with him before he turned us over to the rep who claimed to have resolved the issue, on XX/XX/XXXX. He remembered the situation and promised me to resolve it. My brother relayed that he called the rep, who had resolved the situation for us previously, and she told him to call the owner/boss since the issue should have been resolved. The rep then told my brother to go home and he would call the boss and have him resolve the issue.
On XX/XX/XXXX, I tried calling my brother and discovered that the phone had no service. I had him pack up the phones ( we had never used the free phone ) and we returned to the store to return them and have the transaction reversed. We encountered both reps who we had dealt with on XX/XX/XXXX. I told them the phone had no service and I was tired of dealing with this issue and would like to return the phones and reverse the transaction. The female rep who had supposedly resolved the issue for us looked up the account and pointed out to the male rep that service was suspended and that shouldnt be. She told him he needed to call the owner/boss to have him resolve the issue. The male rep stated that he called him yesterday and was not calling him again. This gave me the distinct impression that after my brother left the store, the day before, he never called the owner as he was instructed to do by the female rep and he did not want to call in my presence to reveal that he never made the call. At this point, I insisted that the transaction be reversed and the male rep indicated that since we had used the phone for more than one hour of talk time we could not return it. I asked if he knew that I had other means of recourse and he said I should do it through my credit card company.
I then initiated a dispute with Discover Card. The credit card company initially reversed the charges then re-instated them claiming that the merchant provided sufficient evidence to show that the charges were valid. This evidence included a return policy that stated that the phone could not be returned after seven day and documents that had my signature, that I did not sign. I pointed this out to Discover Card and nothing was done about it. I contacted Discover and was told I provided no evidence to show that I have no phone service. The rep advised me to contact XXXX by XXXX via email to get them to confirm I did not have service. I did this and submitted the evidence and requested that the charges be reversed since I did not have any service and the merchant refused to work with me to resolve the matter. I contacted Discover Card several times and the charges still have not been reversed. Now when I try to contact them about this dispute the system does not allow me to send them messages. I typed a message requesting a copy of the call recording when I spoke to the rep. Upon sending it I discovered the contents of the message had been deleted and was blank.
I am submitting this complaint because Discover Card has not addressed my concerns and has considered the evidence provided by the merchant valid and has not considered the evidence I provided to show that I do not have the service I paid for. I have been a customer with Discover Card since XXXX and I expected better service than what I received for this issue. I am hereby requesting that Discover Card reverse the charges. I have the phone ready to return to the merchant.
Company Response: Closed with explanation
2019-09-06
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
Company Response: Closed with explanation
2019-09-06
CT
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I have contacted Discover Card regarding my account on several occasions, either by phone or by email. The last two email regarding this issue was on XX/XX/2019 ( reference # XXXX ) and XX/XX/2019 ( reference # XXXX ).
The issue is that my account had originally been locked while I was enrolled in a payment plan. I could not afford the payments at the time and they helped by reducing my interest rate to 9.99 %, which lowered my payment. The stipulation was that my account had to be locked, which I was 100 % fine with since they were helping me.
The problem is when my payment plan expired, my account remained locked but my interest rate jumped back to 19.99 %. As of this filing, my account continues to be locked and my card unusable - but I'm paying on an interest rate that is applied on the presumption that the card is usable. As of this email, I can not use the card and Discover will not unlock it.
My money is going to nothing that I can use! I'm paying over {$300.00} towards a balance that I can not use if I had an emergency.
Company Response: Closed with explanation
2019-09-06
MN
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Problem lowering your monthly payments
Complaint: my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy
Company Response: Closed with explanation