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 31
2019-08-14
Bedford, TX
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
Complaint: i filed chapter XXXX bk XX/XX/XXXX and have a charged off discover card balance on my credit report as of XX/XX/XXXXprior to my bk XXXX filing i have sent XXXX proof of bk XXXX filing numerous times and they and discover refuse to remove from credit report when XXXX and XXXX have removed the debt without question
Company Response: Closed with explanation
2019-08-14
Hinkley, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: Around XX/XX/XXXXI was checking my XXXX XXXX account ; and an offer popped up from Discover card for me to apply for a credit card and my chances of being approved were excellent ; so I applied and was approved for a credit limit of {$12000.00}. I received the credit card about 10 days later. I used the card for about two months ; and without any notice whatsoever I get an alert on my phone under the discover app that I was over my credit limit, when I checked my discover card account online I noticed that my credit limit is not {$9500.00}. I checked my emails to see if I had received anything from discover notifying me that my credit card limit was decreased but nothing was in my email inbox. I checked my phone to see if maybe they called and left me a voicemail regarding the decrease in credit limit ; and yet no voicemails or calls from discover card. I contacted discover card to inquire about why my credit limit was decreased and why I was almost {$2500.00} over my credit limit. I was advised that a letter was sent and that I should receive the letter in the mail within 7 business days. I waited 14 business days to give them time in case there was a delay in delivering the mail. No mail and no letter and no explanations as to why my credit limit was decreased and why I was over my credit limit by almost {$2500.00}. I attempted to contact discover card several more times between XX/XX/XXXX and XX/XX/XXXXby email and phone and all I kept getting from them is that I would receive a written notice in the mail as to why my limit decreased and and any additional information. I waited and still nothing ; so aroundXX/XX/XXXX I contacted discover card over the phone and made a full payment of my entire balance due and asked discover card to completely deactivate, remove, and close my entire credit card account forever and to remove my autopay from the system so that no funds would be withdrawn from my linked bank checking account. The representative assured me that my account was at a XXXX balance after full payment was made and that she was closing my account, canceling and deactivating my credit card and mailing me confirmation that the account had been closed completely and with a XXXX balance to where I didnt have to worry about calling them back in case it appeared on any of my credit reports. I trusted that the rep. I spoke with was going to do exactly like she told me over the phone so I never checked my account again online because I didnt have any access to the credit card or my online account anymore after that day. AroundXX/XX/XXXX I was looking over my finances and statements for my banking accounts and noticed that Discover card had been taking and withdrawing money from my checking account on a monthly basis and that the credit card was never deactivated nor had the representative removed me from there system. I contacted all 3 credit bureaus and notified them of identity theft and that someone had been using my bank account and my discover credit card without my authorization and that I had been in contact with discover card and discover card has refused to return any of my phone calls or emails and online chat messages. I have copys of all of the attempted contact information along with screenshots of what error messages I would get every time I try to log into my account online. My credit card was compromised and someone had been using my card and online account because I didnt have access to it from XX/XX/ to present. I had no choice but to file this complaint online because discover card is and has not done anything to fix this problem. I want discover to remove me completely from there system and I want them to not report this to any credit report agencys because it is 100 % Discover cards fault for misusing my information and allowing for the discover card to stay active. They allowed someone to use my information and that person or persons to whom I do not know has been using my credit card and account all this time. Thank you.
Company Response: Closed with non-monetary relief
2019-08-14
Dania, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-08-14
Green Bay, WI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Closed with explanation
2019-08-14
MI
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 purchases a product online from XXXX XXXX for {$19.00}. The following month in XX/XX/2019 they charged my account for what appeared to be 1 of 3 payments. Which I got the credit card issuers to fix that. But then about a week later I received some makeup products from them I did not order. I filed complain with credit card company and they say that the transaction was marked as Reoccurring charge so they could not stop them.
I have contacted the company and they will not take me off some Subscription they put me on so I filed complaint with XXXX But I cant get credit card company to stop allowing them to charge my account
Company Response: Closed with explanation
2019-08-14
Savannah, GA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/2019 I was scammed by a merchant who name is XXXX XXXX and her fianc XXXX XXXX out of {$180.00}. via XXXX. I asked for tracking information and got a fake tracking number. I immediately demanded a refund but was ignored. I opened a case with XXXX and the did nothing. I opened a case with my bank Discover Debit and they did nothings nor did they even bother to communicate their findings nor the outcome.
Company Response: Closed with explanation
2019-08-14
Liverpool, 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 took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.
Company Response: Closed with explanation
2019-08-13
Hickory Hill, TN
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
2019-08-13
Glendale, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: According to documents provided by Discover Card for Complaint ID XXXX submitted on XX/XX/XXXX to the Consumer Financial Protection Bureau ( CFPB ), my account was created on XX/XX/XXXX. The document can be found HERE. I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX from XX/XX/XXXX-XX/XX/XXXX, a total of 11 years and 8 months.
Despite knowing my correct address located at XXXX XXXX XXXX XXXX, XXXX CA XXXX, notice was provided to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX on XXXX. The document can be found HERE.
Service was then sent to another incorrect address located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. The document can be found HERE.
On XX/XX/XXXX my personal information was submitted to a " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Proof of Service can be found HERE. At no time did I live at ANY of those addresses.
My correct address was on file. A copy of my utility bill from that time frame validating my residency can be found HERE. XXXX XXXX failed to served notice and used court processes for the purpose of intimidation and to undermine consumer protections.
My consumer rights were eliminated to secure a judgment without due process with the intent to commit fraud. Within recent months, I have discovered the extent of this abuse after extensive research. I have suffered emotional duress and damages because of the illegal activities committed by Discover Card.
The aforementioned facts have been taken directly from XXXX XXXX Court Records Case No. XXXX and from CFPB Complaint IDXXXX.
Please note Discover Card via XXXX XXXX XXXX committed the following documented violations : Violation Statute Date ( s ) of Violation Illegally Informed a Third Party of My Alleged Debt [ 15 USC 1692c ] 805 ( b ) 3.01.2016 5.11.2016 6.01.2016 2.14.2019 Failed to Send a Written Debt Validation Notice [ 15 USC 1692g ] 809 ( a ) 1.08.2016 7.06.2016 1.08.2016 Continued to Collect on the Debt before Providing Verification [ 15 USC 1692g ] 809 ( b ) 1.08.2016 7.06.2016 1.08.2016
Company Response: Closed with explanation
2019-08-13
Brooklyn, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-08-13
Barre Mills, WI
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
2019-08-13
Chestnut Street, IL
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
2019-08-13
Livermore, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with non-monetary relief
2019-08-13
Las Vegas, NV
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX.
They applied all the payments i made from XXXX XXXX towards 100 % interest.
They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that.
I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest.
They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest.
When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim.
They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX.
It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}.
In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %.
Again, I am asking for a breakdown which your call center could not provide.
I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.
Company Response: Closed with explanation
2019-08-12
Plymouth, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance.
So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Company Response: Closed with explanation
2019-08-12
Old Westfield, NY
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Company Response: Closed with explanation
2019-08-12
Havana, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: To whom this may concern, In 2012 I believe I XXXX Discover card was placed in my name. I have working to get this off my credit for a while. I would receive calls and bills regarding this card but never knowing where it came from. I also tried to pay on it since the bill came in the mail, but it kept being used over and over again. I want this card off my account.
Company Response: Closed with non-monetary relief
2019-08-12
Tarzana, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I am a victim of identity theft there were multiple accounts opened under my name i have filed a report.
DISCOVER FINANCIAL SERVICES WITH A BALANCE OF {$4100.00} is still remaining on my credit i did not open this account
Company Response: Closed with non-monetary relief
2019-08-12
Alpine Forest, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-08-11
Palmerton, PA
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 ordered an item from XXXX. I was charged {$140.00} on XX/XX/XXXX. The estimated shipping time would have the item arriving at my residence on XX/XX/XXXX.
On XX/XX/XXXX I received an email notifying me my item had been delivered to my address. I checked the mailbox, there was no such item there. No package had been left on my front porch, nor was any package on the back porch, and the next door neighbors hadn't received anything in my name.
I contacted XXXX to notify them of the missing package on XX/XX/XXXX. They told me they would investigate the issue to determine the package 's status. On XX/XX/XXXX, XXXX sent me an email which stated " the tracking number shows the item was delivered, this case is now closed ''. At that point I disputed the charge with Discover and provided the pertinent information to them.
On XX/XX/10 I was notified by Discover that they had reversed the charge-back and sided with the merchant, and Discover requested I provide them with information supporting my claim. I called Discover on XX/XX/10 and asked them what information I could provide regarding an item that had never arrived at my residence. They were not able to give me an answer because there is no way someone can prove they didn't receive something.
Subsequent phone calls to XXXX to try to get further help from them, the merchant, have gone nowhere, as XXXX has been unable to find my order information during follow up conversations. It's like XXXX lost all record of the transaction after I submitted the dispute.
Company Response: Closed with explanation
2019-08-11
Hialeah, FL
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 previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Company Response: Closed with non-monetary relief
2019-08-11
Tibbs, MS
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
2019-08-10
Grimsley, TN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life
Company Response: Closed with non-monetary relief
2019-08-10
E Brunswick, NJ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-08-09
Phila, PA
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation