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 279
2016-04-15
Spring Hill, FL
Rewards
Credit card:
Complaint: I participated in the promotion that Discover ran in the end of 2015. They promised to give 10 % back for all purchases made using XXXX.
I personally invested more than {$500.00} into XXXX phone just to participate in this promotion.
I made XXXX purchases using XXXX on my Discover card ending XXXX and XXXX purchases using XXXX on my Discover card ending XXXX.
However, only XXXX transactions on card ending XXXX and XXXX transactions on card ending XXXX have earned 10 % cashback.
Later I received emails from Discover stating that some of my transactions contained gift card purchases ( without any proof for that statement ) and asking me to submit receipts in order to get 10 % cashback for non-giftcard portions.
It was never required by Terms and Conditions that the customer must keep all receipts from stores in order to get cashback, so obviously I did n't keep them.
Transactions that have not received any cashback are : from card ending XXXX : XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$500.00} XXXX/XXXX/15 XXXX {$1000.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$1000.00} XXXX/XXXX/15 XXXX {$490.00} XXXX/XXXX/15 XXXX XXXX {$470.00} XXXX/XXXX/15 XXXX XXXX {$310.00} from card ending XXXX : XXXX/XXXX/15 XXXX {$570.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$500.00} XXXX/XXXX/15 XXXX {$490.00} XXXX/XXXX/15 XXXX {$410.00} XXXX/XXXX/15 XXXX {$500.00} XXXX/XXXX/15 XXXX XXXX {$240.00} XXXX/XXXX/15 XXXX XXXX {$230.00} I believe that Discover has engaged in unfair practices by imposing " burdensome requirements '' on consumers in connection with its suggestion that receipts need to be submitted in order to claim the rewards offered under the promotion. The terms and conditions governing the Discover promotion in question have never outwardly stated that the consumer needed to keep receipts.
This promotion is referenced on Discover 's website : under the XXXX FAQ section of Discover 's website. The relevant details are under the " Earn Rewards '' section : " What are the details for the 10 % Cashback Bonus ( R ) promotion? Cashback Bonus Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' https : //www.discover.com/credit-card XXXX : //www.discover.com/credit-card ... -it-miles.html THE PERVASIVE NATURE OF THE PROBLEM The gift card exclusion was added several days after the promotion was launched ( unfair and deceptive practice ) Discover is now blanket rejecting purchases above a certain amount Discover is requiring customers to retain receipts Discover does not have the requirement to keep receipts in the Terms and Conditions governing the promotion This is a blatant attack on consumer privacy The burden of proof is shifted to the consumer, instead of the credit card company If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover.
Discovers actions are Unfair, Deceptive and Abusive under XXXX XXXX XXXX XXXX defines an " unfair '' act or practice as follows : The act or practice causes or is likely to cause substantial injury to consumers.
The injury is not reasonably avoidable by consumers.
The injury is not outweighed by countervailing benefits to consumers or to competition.
Section XXXX outlines deceptive. The Bureau 's articulation of " deceptive '' follows the FTC 's ; beginning with the inclusion not only of acts or practices but also representations and omissions. There is not just an obligation to avoid lying ( which Discover is clearly doing
Company Response: Closed with explanation
2016-04-15
PA
Unsolicited issuance of credit card
Credit card:
Complaint: Thus is my second complaint and still waiting for result from first. Since then Discover has made me more unhappy. Right after the first complaint was made discover made a change to my account which I understand they can do anytime, that change was increasing late fee from XXXX to XXXX. I honestly do n't care about this change because in the 3 years i ve had my credit history I never had a late fee. Thing is me and my wife opened this cc on the same day, me having the longer and better credit history. My wife surprisingly has the higher credit limit. Then the second insult Discover did is offered my wife 2 % cashback at grocery 's stores. Why these XXXX things are insulting is because my wife did n't get the late payment fee increase and I did n't get this bonus. Discover your commercial says we treat you the way you treat you. If that is what ya really stand by then please explain me why with the XXXX things listed above do I feel like I 'm a very high risk customer to you based on all your actions thus far? Discover you really want me to treat you like high risk also by locking up your card in a drawer and not use it
Company Response: Closed with explanation
2016-04-15
NY
Rewards
Credit card:
Complaint: Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.
Company Response: Closed with explanation
2016-04-14
Tacoma, WA
APR or interest rate
Credit card:
Complaint: Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry.
Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.
Company Response: Closed with explanation
2016-04-14
Oxford, GA
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Lansing, MI
Delinquent account
Credit card:
Complaint: I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Moapa, NV
Other
Credit card:
Complaint: XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX.
By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed.
The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction.
Account # 's ending in XXXX and XXXX.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
NY
Making/receiving payments, sending money
Bank account or service: Other bank product/service
Complaint: I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE.
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL
Company Response: Closed with explanation
2016-04-14
Jupiter, FL
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.
Company Response: Closed with non-monetary relief
2016-04-14
Clermont, FL
Other fee
Credit card:
Complaint: I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy.
They should have to ask a person if they want to continue if changing from 'free ' status.
Company Response: Closed with non-monetary relief
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Keyport, WA
Can't repay my loan
Student loan: Non-federal student loan
Can't decrease my monthly payments
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Columbus, GA
Delinquent account
Credit card:
Complaint: I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.
Company Response: Closed with non-monetary relief
2016-04-14
Moapa, NV
Advertising and marketing
Credit card:
Complaint: The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an iPhone and applying for a new Discover card. I needed the cashback promised to be added to my account.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Moapa, NV
Advertising and marketing
Credit card:
Complaint: I would like CFPB to continue pursuing this case with Discover regarding its false advertising ( changing terms and conditions after advertising to the public ).
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation
2016-04-14
Tucson, AZ
Rewards
Credit card:
Complaint: I made a purchase of {$470.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Company Response: Closed with explanation