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 37
2019-07-20
Phoenix, AZ
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: XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.
Company Response: Closed with explanation
2019-07-19
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX XXXX XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Company Response: Closed with explanation
2019-07-19
Rochdale, NY
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
2019-07-19
Brooklyn, NY
Managing an account
Checking or savings account: Savings account
Funds not handled or disbursed as instructed
Company Response: Closed with explanation
2019-07-19
NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.
Company Response: Closed with explanation
2019-07-19
Manhattan, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-19
Phoenix, AZ
Unable to get your credit report or credit score
Credit card or prepaid card: General-purpose credit card or charge card
Other problem getting your report or credit score
Company Response: Closed with non-monetary relief
2019-07-19
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
2019-07-19
Jupiter, FL
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2019-07-18
Arlington, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with explanation
2019-07-18
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 non-monetary relief
2019-07-18
Weston, CT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Company Response: Closed with explanation
2019-07-18
Unity Plaza, CT
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: In the years XX/XX/XXXX - XX/XX/XXXX, my identity got stolen and someone started using my Discover credit card. The person would use the card and then they would pay it off. I realized this was happening in XX/XX/XXXX, when a letter arrived to my house saying that a payment had been returned from an account I did not recognize. The person had access to my account and my information. They were using my account and making purchases at some place called XXXX XXXX XXXX XXXX XXXX Fl and to XXXX XXXX in XXXX as well. None of this transactions were made by me, nor were the payments. Payments came from an account marked as XXXX ending in XXXX under the name of XXXX XXXX XXXX. All the payments returned in XX/XX/XXXX, some of the payments date back to XX/XX/XXXX and they still were returned. This left my card with a balance of XXXX when my credit limit is only XXXX. I did not know it was even possible for a payment to return after 90 days, but they all did. Discover says that the transactions are not suspicious and I am responsible for it. I have filed two police reports and created an identity alert with the credit reporting agencies. XXXX and XXXX have deleted the account of my credit report, but XXXX has not. I have tried to talk to the investigators at Discover, but they have not been consistent with what they say. They have threaten me to report me to the credit reporting agencies if I did not start paying the account while it was still in investigation ( XX/XX/XXXX ). I never noticed this was happening in XX/XX/XXXX, because the balance on the account has never been accurate and I have a screenshot of when this happened in the past few months. The balance would say a number but the pending balance would say something else, leading to this never being discovered in time.
Company Response: Closed with explanation
2019-07-18
Aguadilla, PR
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
2019-07-18
PA
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: On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.
Company Response: Closed with non-monetary relief
2019-07-18
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2019-07-18
Edmond, OK
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with non-monetary relief
2019-07-18
Gr, MI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-18
Detroit, MI
Problem with a purchase or transfer
Credit card or prepaid card: General-purpose prepaid card
Card company isn't resolving a dispute about a purchase or transfer
Complaint: Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. Again, Discover didnt answer them. So, again, I am asking them.
The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 'XXXX website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Also, XXXX advertises itself as being International Association of Certified Home Inspectors certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all 3 issues.
At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXX inspection not being performed but charging customers for one is fraud.
Company Response: Closed with explanation
2019-07-18
Unity Plaza, CT
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: In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.
Company Response: Closed with explanation
2019-07-17
VA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.
Company Response: Closed with explanation
2019-07-17
Boston, MA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I was a victim of identity theft between the timeframe of XXXX a gentleman by the name of XXXX XXXX stole my identity and my father as well and opened fraudulent accounts like auto loans, credit cards, and business credit cards as well. One particular account I found was Discover Bank I contacted them and sent them a police report and tried to resolve this matter with them and they refuse to believe me I want to disputed with the credit bureau sent in my police report and everything needed to prove this account was fraud according to Discover Bank I recently received a letter stating that they didnt believe me and they were going to put a new account under my name that I did not authorize or I never applied for again this account was never applied by myself I was a victim of identity theft
Company Response: Closed with explanation
2019-07-17
Dayton, MN
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Reporting company used your report improperly
Company Response: Closed with explanation
2019-07-17
Kawaihae, HI
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 was charged {$5000.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing a complaint in XX/XX/XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XX/XX/XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Company Response: Closed with explanation
2019-07-17
Northdale, FL
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