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 40
2019-07-08
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
Complaint: Discover Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting.
1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account.
2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}.
3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.
Company Response: Closed with non-monetary relief
2019-07-08
Ft Lauderdale, FL
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio.
I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.
Company Response: Closed with explanation
2019-07-08
NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice.
Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.
Company Response: Closed with non-monetary relief
2019-07-08
Reidsville, NC
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: my mother was issued a Discover credit card in 1995. The credit limit has been increased to {$30000.00} a couple yrs ago. My mother is XXXX XXXX XXXX & on a fixed income. She has several health problems and is on a fixed income. My mother just came home from the hospital/rehabilitation after being there for over 30 days. At this point she needs assistance with her physical needs as well as paying her bills ( writing checks ) on time each month. I just recently found out the Discover Credit Card debt & I am really concerned that the company would give a XXXX senior on a fixed income such as my moms {$30000.00} credit line. With how things are now in the world our seniors are easy targets for scam. My mom has worked hard all her life and at this point in her life she ( past couple months ) has worried about lost her home, not buying her medication because of this. My mother is has been a widow for 7 yrs. She lives alone her income is only once a month.
Company Response: Closed with explanation
2019-07-08
Baton Rouge, LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-07
Stkn, CA
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
2019-07-07
Kansas City, KS
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-07-07
New Albany, OH
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
2019-07-07
Richmond, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-07-07
Bowens Corners, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-07-06
Green Acres, 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
2019-07-06
Hillsdale, NJ
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: THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}
Company Response: Closed with explanation
2019-07-06
Lancaster, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.
Company Response: Closed with explanation
2019-07-05
Cherry Brook, MA
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: [ Documentation ( emails, screenshots, etc ) available upon request ] XX/XX/XXXX - I signed up for an account with the company XXXX XXXX, under their 30 day free trial ( with auto-renew ). As part of signing up, I provided them with my Discover card information.
XX/XX/XXXX - Due to poor service on the part of XXXX XXXX, I decided to cancel my account with them. After contacting them, I am informed in an email that I should follow a web link, enabling me to speak with an agent who would cancel the account. After a brief conversation with an agent in which I verified some account information, I was informed that my account was cancelled.
XX/XX/XXXX - I receive an email from XXXX titled " Why come back to XXXX? '' in which the company states " We'd like to give you a special offer to come back to XXXX today. And if you act now, you may still be able to reclaim your previous phone number! '' I took this as further confirmation that my account had been cancelled.
XX/XX/XXXX - I receive a second email from XXXX titled " Come back to XXXX with a Discounted Rate '' with content similar to the one received on XX/XX/XXXX.
XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX eXXXX. Assuming my account was still active, I attempted to login via XXXX XXXX online portal and am informed that my account no longer existed.
XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX. After seeing this, I spent several hours on the phone with XXXX XXXX, being on hold for long periods of time and being transferred multiple times. I felt my concerns were not being taken seriously and never received an explanation from the company for why I kept being charged.
XX/XX/XXXX - My Discover card is charged for {$32.00} by XXXX XXXX for the third time.
XX/XX/XXXX - I open up several disputes on Discover 's website for the previous charges from XXXX XXXX on my account, and received a temporary account credit on my account. I provided Discover with my experiences with XXXX XXXX up to this point.
XX/XX/XXXX - I am informed by Discover that their dispute investigations have found in my favor, and my account with them is adjusted to reflect this.
XX/XX/XXXX - I am informed by Discover that my previous charges from XXXX XXXX have been determined to be valid, and the credits to my account are reversed, along with a repost of the initial charges. I call Discover and am told that to continue the Dispute I should upload further documentation.
XX/XX/XXXX - I upload further documentation to the Discover website, indicating XXXX XXXX XXXX history of fraudulent behavior in violation of California state law ( where XXXX XXXX is headquarted ) which states ( among other clauses which XXXX XXXX broke ) the following : " If the automatic renewal offer or continuous service offer includes a free gift or trial, the business shall also disclose in the acknowledgment how to cancel, and allow the consumer to cancel, the automatic renewal or continuous service before the consumer pays for the goods or services. '' The full law can be found here XXXX XXXX XXXX XXXX? lawCode=BPC & division=7. & title= & part=3. & chapter=1. & article=9. I also informed Discover that my experience with the merchant was not by any means unique, and that XXXX XXXX XXXX practices of predatory behavior have been well documented : XXXX XXXX XXXX ( you can see XXXX XXXX listed under the " Alternative Business Names '' section ) XX/XX/XXXX - I am informed by Discover via email : " After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' When I attempted to contact a Discover support agent through online chat, I was informed that they would be unable to resolve the dispute in my favor without a cancellation number from XXXX XXXX ( which I was never provided with ).
When I attempted to explain that XXXX XXXX XXXX charges were considered illegal under California state law, and asked for protection under Discover 's " {$0.00} Fraud Liability Guarantee '', I was informed that nevertheless Discover considers the transactions valid due to the fact that I had provided XXXX XXXX with my card information and had agreed to their terms of use.
Company Response: Closed with explanation
2019-07-05
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Complaint: I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.
Company Response: Closed with explanation
2019-07-05
AL
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: Discover made an unfair judgement towards my dispute ( # XXXX ) against XXXX, and they refuse to correct it and help me get my money back.
I purchased a discounted XXXX XXXX gift card claimed to have {$1200.00} value at XXXX ( XXXX # XXXX ) and paid {$1000.00} for it with my discover credit card ending in XXXX on XX/XX/XXXX. The gift card was delivered electronically at the same day and XXXX promised a 100-Day Guarantee for gift cards bought from them on their website. Upon receiving the gift card ( Card number : XXXX PIN : XXXX ), I checked the balance at XXXX. Unfortunately, I could not get the balance but just saw a sentence Invalid account number or the account is closed. Then I called XXXX XXXX customer service to figure out this issue. The customer service representative in the gift card department told me through the phone that the gift card was already used on XX/XX/XXXX and the remaining balance was redeemed on XX/XX/XXXX, long before I got it ( The phone call was recorded and is the strongest proof supporting my dispute, however, Discover does not allow uploading voice file. The file is attached here, hope it can be forwarded to them ).
Instead of initiating a dispute immediately after I knew the gift card history, I emailed the support team on XXXX and got no response in three weeks. Then I submitted a claim ( # XXXX ) on their website stating my issue and requested for a solution on XX/XX/XXXX based on their 100-Day Guarantee policy ( Receipt of the claim is attached ). In their response of receiving my claim, they said the problem should be resolved within up to 21 business days from XX/XX/XXXX. I called the number provided on the email three days after submitting the claim to inquire the investigation process but nobody answered the phone. I kept trying to contact them through phone call and email after that but never got any response. The phone calls were always transferred to voicemail and no one called back yet. And I did not get any email response for my claim with the fact that 21 business days have already passed.
With the failure of counting on the merchant to solve my problem, I filed a dispute on discover.com for this transaction with some documentations including the transaction receipt, gift card details, gift card history, balance check at neimanmarcus.com et. al. to prove the transaction invalid. The dispute has gone through a few up and downs in the past five months. My dispute was supported at first and got reversed because the merchant uploaded the transactions details, even thought the transaction details just said they sold me the gift card without explaining the most important fact that the gift card was already used before they sent it to me. After receiving the decision, I called the dispute center requesting for a reconsideration with some supplements including gift card inquiry to XXXX XXXX rtfraud department and self statement for this dispute. Unfortunately, my dispute wasnt supported eventually after the reconsideration process. I could not believe this and called Discover to continue the dispute. After reviewing all the documentations the merchant and I provided, the representative admitted that they made a mistake when making the judgement. However, Discover refused to correct their decision and stated they couldn't do anything more for me only if I could get documentation with refund entitled from the merchant even thought I told them the merchant is avoiding my issue and the bank is my last protection. There is no reason I should pay for Discover 's unfair judgement.
Company Response: Closed with explanation
2019-07-05
Lilburn, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-07-04
Anaheim, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-07-03
Arco, CA
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 applied for and was approved for a credit card. While i was waiting tio recieve my card in the mail, fruadulent purchases were made. Disover refueses to honor my claim. Please see attached document for further explanation. Thanks.
Company Response: Closed with explanation
2019-07-03
Ottawa Hills, OH
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 non-monetary relief
2019-07-03
Tampa Palms, FL
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
2019-07-03
Laramie, WY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan.
On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times.
I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued.
Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days.
On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days.
I have spoken with supervisors and contacted my lending agency, without any recourse.
Company Response: Closed with non-monetary relief
2019-07-03
Springfield, OH
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-07-02
Tacoma, WA
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with monetary relief
2019-07-02
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation