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 44
2019-06-20
Northside, NC
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Installment loan
Complaint: I had got a loan with discover loans 2 years ago for {$35000.00} Ive paid it down to {$26000.00}. I missed one month got it refinanced for 5 % a month the first payment was {$430.00} for 6 years. None of the first payment went to the principal. All of it to the interest there is no origination fee and discover can not tell me where the money went.
Company Response: Closed with explanation
2019-06-20
Tuscaloosa, AL
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
2019-06-20
N Falls, NY
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
2019-06-20
Sacramento, CA
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: Discover Company has been constantly sending me promotions and pre-approvals. I have a good standing credit score and have been getting an insane amount of predatory pre-approvals from the aforementioned company. I have finally decided to give in and apply for their credit card to be denied. While my understanding is that the pre-approvals do not mean guaranteed approvals of lines of credit afterwards, this type of predatory marketing behavior where a company gathers data out of hard credit pulls and markets heavily only to then negatively impact the consumer is a form of undjust enrichment and goes against " in good faith business ''. I have tried reaching out to the company to contact the credit bureas to get the inquiry removed, but they denied so. In the name of the consumer financial protection.
Company Response: Closed with explanation
2019-06-20
Brooklyn, 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 explanation
2019-06-20
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: XXXX XXXX XXXX XXXX XXXX XXXX NY Amount {$1000.00} Dispute # XXXX I ordered a XXXX from XXXX XXXX, never received except open package. They provided discover with signed fed but it was not validXXXX XXXX XXXX never filed claim since they had no insurance. Discover refused to assist since they said merchant provided fraudulent signature. XXXX XXXX refused to assist and discover refused to assist too.
Company Response: Closed with non-monetary relief
2019-06-20
Tarzana, CA
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
Complaint: My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.
Company Response: Closed with explanation
2019-06-20
So Effingham, NH
Problem caused by your funds being low
Checking or savings account: Savings account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2019-06-20
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: Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you
Company Response: Closed with non-monetary relief
2019-06-19
Glendale, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-06-19
Indianapolis, IN
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
2019-06-19
Macon, 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
Company Response: Closed with explanation
2019-06-19
PA
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: A company known as XXXX XXXX also known as XXXX XXXX has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of. XXXX XXXX also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement. My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture was order in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became XXXX XXXX in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with XXXX XXXX and they said it would all be taken care of. I brought my father to the XXXX County Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and XXXX XXXX stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed XXXX XXXX in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with XXXX XXXX explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my Discover card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at XXXX XXXX or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card. Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items.
I will attach a copy of the follow up email I sent to XXXX XXXX back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
Company Response: Closed with explanation
2019-06-19
NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.
Company Response: Closed with explanation
2019-06-19
Lexington, KY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: The payment was issued to Discover on XX/XX/2019 via my online bill pay feature that my employer has attached to my payroll card. XXXX issued a paper check to Discover for {$200.00}. The check was received and cashed by XXXX XXXX XXXX, an Agent for Discover. Proof has been supplied to Discover, yet they have claimed they can not locate the payment. Interest, fees and my account is now closed, as well as it affecting my credit report has all transpired due to this missing payment.
Company Response: Closed with monetary relief
2019-06-19
CA
Struggling to repay your loan
Student loan: Private student loan
Can't temporarily delay making payments
Complaint: I called about postponing payments on my student loans and the representative told me that I could enter into a temporary payment reduction until this was sorted out and reviewed. When I then called back for status I was told that I was not eligible due to already having been placed on a payment reduction.
I now am confused and dont no which way to turn. I need help to postpone payments until end of 2019 due to financial hardship which Ive already explained to the company, Discover Student Loans.
Company Response: Closed with explanation
2019-06-18
Buffalo, NY
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
2019-06-18
Hamburg, MN
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 non-monetary relief
2019-06-18
Buffalo, NY
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
2019-06-18
Clyde, 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
Company Response: Closed with explanation
2019-06-18
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
2019-06-18
Knickerbocker, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with non-monetary relief
2019-06-18
Temperanceville, VA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account information incorrect
Complaint: Discover is reporting that I have missed 2 payments. I have paid {$300.00} a month for over a year. I have been unemployed for over a year so {$300.00} a month is all I can afford. I have not missed any payments.
I realize {$300.00} is less than the minimum payment. Discover combines 2 payments I send to cover the minimum payment for one month and then reports I missed a payment and they charge me late fees, which has put me over my credit limit so the amount I owe them continues to rise, as the {$300.00} I send is not enough to cover the interest and late fees.
According to my Discover statement it will take me 48 years to pay them.
Interest charged as of XX/XX/2019 : {$1500.00} Late fees : {$220.00} In the meantime my credit score drops monthly.
I have tried numerous times over the past year to come to some type of payment arrangement.
Discover Card admits they have record of receiving {$300.00} a month.
Discover calls me up to 5 times a day.
Discover states they will not work with me unless I give them access to my bank account.
Company Response: Closed with explanation
2019-06-18
Menomonee Falls, WI
Closing an account
Checking or savings account: Savings account
Company closed your account
Company Response: Closed with explanation
2019-06-18
Champlin, MN
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation