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 39
2019-07-12
Grandville, MI
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
2019-07-12
Grandville, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-12
Desert Edge, CA
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Company Response: Closed with monetary relief
2019-07-12
MS
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Contacted your employer
Complaint: Was paying the collection agency before my employer was closed ... Attempting to start employment with the MS Department of Employment Security. However, I received a letter from the collector requesting information pertaining to me from the future employer. I am not currently working for this employer as of yet. And the attempt to get my personal information is disturbing. This could hurt my job offer.
Letter received on : XX/XX/2019 Organization involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX
Company Response: Closed with explanation
2019-07-11
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
2019-07-11
Wake Forest, NC
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
Company Response: Closed with non-monetary relief
2019-07-11
Brunswick, OH
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-07-11
Phoenix, AZ
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: Upon my receipt Discover 's annual year end summary XXXX, I noticed that I was being charged to separate interest rates. I had never seen this before, as I had never really reviewed any of their annual year end summaries. I filed a complaint with the Arizona Attorney General 's Office ( XX/XX/XXXX ) and Discover 's EO of Customer Advocacy, XXXX XXXX, insisted that I agreed to a promotional offer, and I did not. The matter has been an ongoing back and for rehashing of the XXXX XXXX repeating that I accepted the promotion offer, and me of course adamantly denying this fact. None the less I and still being charged 2 separate interest rates. In lieu of all of this, I have never been offered the opportunity to pay off the balance of the promotional to eliminate the need for 2 interest rates, nor am I allowed to allocate my monthly payments. I called into customer service on or about XX/XX/XXXX, to inquire as the reason for the replacement card. I was then advised that it was due to the New Chip, as my old card did not have a chip. I then asked why only one card when my spouse is an authorized user and yet only one replace card was received. The customer service representative advised that a replacement card would be sent in the name of my spouse. At this point, XXXX XXXX is claiming that I agreed to the promotional and has not provided a copy of the recorded conversation stated that I agreed to any promotional. I totally understand the fundamentals of promotional offers and from time to time I take advantage of promotional offer when it is beneficial to my needs. And this particular offer would not have been in my best interest or beneficial to me in any form. My XXXX account is attached to my Discover Card, considering that myself and spouse are constantly making purchases on XXXX. With this in mind I can not not feasibly see their alleged promo being of any benefit to me.
Company Response: Closed with explanation
2019-07-11
Adelaide, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information is incorrect
Company Response: Closed with explanation
2019-07-11
Mboro, TN
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
2019-07-11
Winton, 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: I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Company Response: Closed with explanation
2019-07-11
Winton, 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: I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Company Response: Closed with explanation
2019-07-11
Winton, 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: I have a Discover Card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Company Response: Closed with explanation
2019-07-10
Austin, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company.
Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account.
Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions.
On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my
Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun
t is closed that the account could not be reopened at this time.
Company Response: Closed with explanation
2019-07-10
Detroit, 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
Company Response: Closed with explanation
2019-07-10
S Lake Tahoe, CA
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Closed with explanation
2019-07-10
Mabank, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.
Company Response: Closed with explanation
2019-07-10
MI
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: XX/XX/XXXX I received a call from Discover saying my payment was late. It was news to me as I rarely used my credit card, and had it set to automatically pay the balance off every month if I had used it, so there should be no balance. I was told I owed {$7600.00} and I immediately told them it had to be fraud. They told me it had been being paid via phone instead of auto pay, and asked if a XXXX area code number was a number associated with the account. I told them no, there's no way that number should be associated with the account, but that I could tell them who committed the fraud because I did know the phone number. They sent me a year 's worth of statements to go through and call back and tell them which charges were fraudulent. There were only a few that were not fraudulent over the course of a whole year, and I did not dispute the few legitimate ones. I realized it had been my daughter, who had been living with me until she never came home in XX/XX/XXXX, who had been using the card. She had been taking care of some of my finances since XX/XX/XXXX as I had been in and out of the hospital for very serious ailments, and became XXXX and reliant on a XXXX in XX/XX/XXXX, as well as starting XXXX XX/XX/XXXX. There had been a few occasions on which I had authorized access to the card in XXXX, e.g. paying for my granddaughter 's dog to be neutered in XX/XX/XXXX. I did not realize that she had taken the card from my purse and used it to buy all manner of expensive things many times ( {$880.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$380.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, a few among many charges disputed ) as she also retrieved the mail, and had her number put on the Discover account. The first I heard of this was in XX/XX/XXXX, after my daughter left and her phone service had been cut off. When I disputed these fraud charges, I asked if I had to file a police report, as getting out and around is harder for me and was told I did not have to. Discover sent a letter saying they wanted me to provide a written affidavit and to confirm which charges were fraudulent. I did this and sent it back, only to receive a statement from Discover saying that they believe it to not be fraud without further information. I called their fraud department and asked what further information they would like, and was told they required a police report, and until I did, their investigation was closed. I said I would get them the information they needed as soon as I could. I tried to get in contact with the county sheriff 's office multiple times, as they had reached out to me about a separate incident previously when I was in and out of the hospital in XX/XX/XXXX. My hospice social worker got me in touch with XXXX XXXX XXXX, who also tried to reach out to them multiple times, but no one ever followed back up with me. I eventually gave up on the sheriff 's office and contacted the local police department, and they had me file a report over the phone instead of in person. I gave Discover the police report number along with the officer 's name, the police department phone number, and address so that they could reopen the fraud case. A month later I received two letters, one saying that they accepted that it was fraud, and one saying that it was not, and got a call to clarify that they found it was not fraud because I did not contest that the small payments being made without my knowledge so that Discover would not call my landline phone and alert me to this activity were also fraud. I have been making payments this entire time so as not to ruin my credit report, but it has been very eye opening to see how people do not seem to care at all if you are a victim of fraud by a family member that you previously trusted.
Company Response: Closed with explanation
2019-07-10
Campville, NY
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Company Response: Closed with monetary relief
2019-07-09
General Delivery, DC
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: For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform.
Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover.
I've made it clear that I wasn't in the District when this account was opened, and when this card was used.
Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ).
-We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address.
-Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ).
-Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired.
And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response.
CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented.
Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character.
I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.
Company Response: Closed with explanation
2019-07-09
Los Angeles, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-09
NJ
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.
Company Response: Closed with monetary relief
2019-07-09
San Diego, CA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: I am currently still enrolled in classes with my school. I should be in Deferment status but for some reason I am in Repayment status. I was not aware that any sort of payment was due until I had a payment past due and another payment to be due in a few weeks. The amount of these monthly payments are almost as much as I pay in rent each month, needless to say, I can not afford one, let alone 2 of these payments in a month. I still have a year and a half left before graduation and I am terrified of the amount of debt that I am in to this company who has not been helpful whatsoever.
Company Response: Closed with explanation
2019-07-09
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
2019-07-08
Waterloo, IA
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