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 28
2019-08-26
Discovery Bay, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: On XX/XX/XXXX, I attempted to use my Discover credit card to make a purchase with XXXX XXXX, and to my unpleasant surprise, my card was declined. I didnt overthink it since I figured it was some technical hiccup, so I used a different credit card and went about my day. Imagine my surprise when my card was declined again on XX/XX/XXXX at XXXX. It was at this point that I logged in to my account and noticed that {$0.00} were available of my {$21000.00} credit line with less than {$200.00} in charges currently on my account.
On XX/XX/XXXX, I called the Discover support team to which I was met with no information and asked to call back the next day since the department I needed to speak with was unavailable. I called in again on XX/XX/XXXX and was informed that my account was closed and to look for information in the mail. According to the letter received from Discover, my account was closed due to a business decision without any details as to why and without any prior notice to allow for resolution of the supposed issue.
According to the CARD Act of 2009, financial institutions such as Discover are required to provide a notice of account closure at least 14 days before the action being taken, which was not done, in addition to only providing a vague reason as to why my account was closed, leading me to believe that I am being unfairly targeted by Discover for questionable and seemingly unethical reasons.
I feel that this closure was unfair, unjustified and without merit since I have followed the guidelines of the Cardmember Agreement and have never been late on payments in the 4+ years that I have been a customer of Discover.
Company Response: Closed with explanation
2019-08-26
Grosse Ile, MI
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: This company has repeatedly been negligent with customer service matters. Recently, I submitted an inquiry about my bill through the online customer service portal and did not receive a response at all. I waited for two weeks and ultimately had to call customer service because they never responded to my original inquiry.
Company Response: Closed with non-monetary relief
2019-08-26
Grosse Ile, MI
Improper use of your report
Student loan: Private student loan
Reporting company used your report improperly
Complaint: I was trying to have a cosigner removed from my student loan. Discover Student Loans kept poorly handle the processing of my application and repeatedly allowed the application to lapse. Despite being told that the application WAS NOT PROCESSED and HAD EXPIRED, the loan company nevertheless made HARD INQUIRIES on my credit report, negatively affecting my credit score.
Company Response: Closed with non-monetary relief
2019-08-26
Atlanta, GA
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 entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}.
On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX XXXX and accepted the fraudulent charges adding to a total of {$25000.00}.
On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX XXXX. Since then, Discover insisted that I owe XXXX XXXX {$11000.00}.
Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX XXXX wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX.
On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help.
I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.
Company Response: Closed with explanation
2019-08-26
N San Juan, CA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I was on my lunch break from my job I went to XXXX XXXX at this location XXXX XXXX XXXX, XXXX XXXX, CA XXXX I tried to purchase food using my discovery checking account card the transaction have failed but I called Discovery that day it was a pending transaction it told me to wait till it process and post then I called them back today it told me that nothing they could do told me to go back to XXXX XXXX I talked to them
Company Response: Closed with explanation
2019-08-26
Scottsdale, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: 1. I have two Discover accounts and both have different FICO score disclosures on my statements. I would like an explanation on the different FICO scores.
Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX 2. Additionally under the Military Lending Act/SCRA act my interest rate should be 6 % effective XX/XX/2019. Requesting a refund on my interest charge difference.
3. Please change my last name to XXXX and reissue both cards.
Company Response: Closed with explanation
2019-08-26
Brooklyn, 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 non-monetary relief
2019-08-26
San Bernardino, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-08-25
Gloucester City, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-08-25
Anaheim, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability.
Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination.
Now, they way there is a XXXX balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA.
Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.
Company Response: Closed with monetary relief
2019-08-24
Glendale, CO
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: I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented.
I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed.
XX/XX/17 XXXX XXXX XXXX XXXX XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action.
I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.
Company Response: Closed with monetary relief
2019-08-24
Las Vegas, NV
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: Due identity theft a security Freeze was placed on credit report report since year of XXXX current as of XXXX, Discover fin svcs LLC is an account now in colletion and has been since XXXX, due to myself sending XXXX evidence of police report copied ID, ssi number, they removed account off my credit report,XX/XX/XXXX, XXXX has allowed this company to replace on my report again as of XX/XX/XXXX without informing me about this information, the prosendings was not explained to me in writing by XXXX and why this happened.has caused hardships and mental health for me and family. Thank you
Company Response: Closed with non-monetary relief
2019-08-24
Copper Center, AK
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: On XX/XX/2019, I accepted Discover Card balance transfer offer to pay {$6000.00} toward my son 's College tuition. The offer was 0 % interest for 12 months with a 4 % transfer fee. After 12 months, the interest would be current rates 14-15 % ( currently 14.25 % ).
Nothing in the Discover promotional materials stated that my prior ( higher interest ) balance would be paid only after the minimum balance was applied to the 0 % transfer balance. I have paid approximately {$880.00} in unexpected interest despite sending well more than the minimum payment for many months. I had approximately {$7000.00} balance before adding the {$6000.00} at " 0 % Interest ''.
My other cards use a " first in first out '' payment strategy on transfers unless they clearly state otherwise per appropriate advertising law. In other words, transfers are truly 0 % interest ( after the percent transfer fee ) as long as the prior balance is being repaid and until the term of the transfer ( 12 months or more ) is exceeded.
Nothing in the Discover promotional materials described why I would no longer receive cashback bonuses on the earlier balance but these also have ended.
I have been an excellent Discover customer over 10 years and have a FICO score of 811. Am attaching statements showing my excellent and timely payment history.
I am asking FTC and/or CFPB to sanction Discover for not making terms clear in the offer promotion ( it does no good to show these terms on the back of a statement after the transfer has been completed -- terms need to be made clear up front ).
I believe this is deceptive advertisement and worthy of a class action suit.
Company Response: Closed with explanation
2019-08-24
PA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: On Saturday XXXX XXXX I Applied For A Personal Loan From Discover Bank. Upon Completion Of Application I was denied Credit Because of insufficent Income. I Called the bank and talked to XXXX. XXXX advised me theres Nothing He Can do But send it to headquarters. XXXX also stated i should Take Further action. I Also Made It Clear to XXXX from discover that i am currently on XXXX ( Social Security XXXX Survivors ) Goverment Assistance and by the Eoca It is illegal For a Company To Deny a application of any sorts based on income if from a Goverment program Or SSA. and am requesting since that was the only reason stated at time of denial. I Be approved For the loan and treated rightfully by discover bank and Remidate the situation by approving me for tge loan.
Company Response: Closed with explanation
2019-08-23
Atl, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
You never received your bill or did not know a payment was due
Company Response: Closed with explanation
2019-08-23
AL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I sent in a dispute 5 years ago on Discover credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have XXXX have it reappear on my credit report .XXXX keeps having Discover reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for Discover to use my name or to put anything on my credit report. I want XXXX to remove Discover off my credit report and block them.
Company Response: Closed with non-monetary relief
2019-08-23
CO
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I have a XXXX loan with Discover. I have been faithful in making payments for several years without being late. They had a " glitch '' in their system recently that they were aware about, according to XXXX whom I spoke with today, that resulted in us being switched, without our consent, from paper statements to paperless. We relied upon the paper statements to stay on top of our payments. As a result of their error, we missed a monthly payment and we lost our XXXX XXXX interest rate deduction for timely payments. I contacted the company and spoke to the above person, who said that even though it was their mistake, there was nothing they could do to reinstate our interest rate deduction for timely payments. As a consequence of their glitch, I am paying a higher interest rate on my loan for the foreseeable future.
Company Response: Closed with monetary relief
2019-08-23
Cleveland, OH
Unauthorized transactions or other transaction problem
Money transfer, virtual currency, or money service: Mobile or digital wallet
Company Response: Closed with monetary relief
2019-08-22
Discovery Bay, 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
Complaint: On XX/XX/2018 I ordered online a mattress from XXXX but decided not to buy the mattress and cancelled the purchase on the same day. I received the cancellation notice and that was the end of the transaction. I never received the credit but a charge for same amount appeared on my bill. No credit was issued from XXXX and then subsequently told by Discover that the mattress was delivered. I never signed or received any mattress or communicated with XXXX for delivery. It appears there was FRAUD.
The address was different and I never engaged with anything from XXXX after the XX/XX/XXXX. The information sent to me by Discover makes no sense and they continued along the same line and declined the credit. This is FRAUD since I never engaged with anything beyond XX/XX/XXXX. I need this resolved by Discover. There information they are sending me does not belong to me. IT MAKES NO SENSE> Please resolve
Company Response: Closed with explanation
2019-08-22
Chandler Hts, AZ
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: XXXX XXXX, whom is not a Licensed Collection Agency and has no Authority over my debts. They are a Monitoring company and keep sending me emails about my past due accounts, they do not have permission or authority to act as a Debt Recovery Agency, I constantly get emails from them weekly about different debts telling my my accounts need attention.
I want this stopped!
Company Response: Closed with explanation
2019-08-22
Dover, DE
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.
Company Response: Closed with explanation
2019-08-22
Tarzana, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have been a Discover Card holder since XX/XX/2007. In that last 12 years I have always made my payments on time and yet Discover has never offered me a lower interest rate. I spoke with them many times and they still say they can't lower my rate. They are charging me an outrageous rate of 24.24 %!! WHY! The Federal Prime Rate is 5.25 % which is even higher than the Federal Funds Rate of 2.25 % Why am I paying 24.24 % interest and going on to 29.9 % interest if I've never had a late payment!!! This is nothing but Predatory Lending to the extreme. I've also noticed that women have higher interest rates than men. Someone should look into that as well. I demand an explanation.
Company Response: Closed with monetary relief
2019-08-22
Grandview, IL
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation
2019-08-22
Green Valley, NV
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with non-monetary relief
2019-08-22
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.
Company Response: Closed with non-monetary relief