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 45
2019-06-18
Anaheim, CA
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: i have discover cheking account and i have money in it almost {$3600.00} i couldnt use my debit card over seasethey dont honor discover in that country i came back called the discover to close my account its been over a month now every time deferent story i demand my account to be close and my money to be send to me they keep say its under business review i dont understand that i want my account to be close that is it
Company Response: Closed with non-monetary relief
2019-06-18
Pittsburgh, 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
Company Response: Closed with explanation
2019-06-18
Oakland, FL
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
Murray, UT
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 closed my account and took my {$1500.00} security deposit even after I filed a fraud investigation that my card was used without my authorization. Their fraud investigation representative ignored all my voice messages during the time of the investigation to eventually no response. My account was closed and deposit was taken improperly. It has been a 18 month police long investigation gathering documents the detective needed to finalize my police report. I am requesting my security deposit back and the balances owed to be cleared from my name as the charges were not authorized by me.
They can obtain the documents from the SLPD to gather information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-06-18
Hamden, CT
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 non-monetary relief
2019-06-18
Bellevue, IA
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
FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR.
currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}.
when I speak with Discover card representatives, they do not seem to be able to explain this at all.
if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest.
There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.
Company Response: Closed with explanation
2019-06-18
North Prosser, WA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: Its been a month ( XX/XX/XXXX ) since Ive asked Discover to send XXXX XXXX their money back for a balance transfer that was sent from XXXX XXXX to Discover in error. Ive called Discover numerous times and was told to wait longer. Finally, on XX/XX/2019 I called Discover and was told that XXXX XXXX must fax a request for the money ( no one called me to tell me Discover is waiting for this fax ), yet XXXX XXXX already sent this request back on XX/XX/XXXX ( trace # XXXX ). Discovers customer service throughout this fiasco has been tragic and infuriating. Today I spoke with the executive office after filing a XXXX complaint to expedite this crucial issue, and I was simply told there is an an open investigation with no promise of performance.
XXXX XXXX case # XXXX - Discover case # XXXX - XXXX XXXX sent request for monies : XX/XX/2019, trace # XXXX
Company Response: Closed with explanation
2019-06-18
Syringa, VA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.
Company Response: Closed with explanation
2019-06-18
Alpharetta, GA
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 have a loan with DISCOVER BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-06-17
Orange, CT
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-06-17
Lancaster, OH
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 monetary relief
2019-06-17
Sebring, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: My Purse was stolen out my car in XX/XX/2015 and I noticed on my credit report I had accounts that's not mine. I made several attempts to contact the companies and let them know however its still on my credit report. I also made a police report and have copies.
Company Response: Closed with explanation
2019-06-17
Sebring, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-06-16
Grandville, MI
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with explanation
2019-06-16
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.
n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Please send a letter stating that these issue has been resolved to : XXXX XXXX
Company Response: Closed with non-monetary relief
2019-06-15
Altamonte Spg, FL
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
2019-06-15
Grosse Ile, MI
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: Around XXXX XX/XX/XXXX, I accepted an offer from Discover Card via their website to have my interest rate reduced. My understanding was that my interest rate would be reduced for a period of twelve ( 12 ) calendar months beginning XXXX XX/XX/XXXX and ending XXXX XX/XX/XXXX. As a condition of the agreement, it was my understanding that I needed to bring my account current and make an immediate payment. I made the payment amount as scheduled per the attached payment schedule. I believed that my payment due dates were now modified per the agreement such that they would now be due at the end of each month. My account was current as of XXXX XX/XX/XXXX and my understanding per the one-page enrollment confirmation I received was that I needed to have money in the account by the due date. I believed that the due date was no commensurate with the pre-scheduled payments. Around XXXX XX/XX/XXXX Discover attempted to make an ACH debit in line with the attached schedule. The debit was declined by my banking institution on XXXX XX/XX/XXXX. I would not become aware of the issue until Discover reported adverse credit history marking my XX/XX/XXXX payment thirty ( 30 ) days past-due. Around the beginning of XX/XX/XXXX I contacted Discover and explained the situation to the customer service representative. He responded by telling me that he wished I would have entered into the interest rate reduction on the phone rather than online. Because the scheduled payment dates per the attached were not actually the due dates for my account, and that my payments we still due at the beginning of each month. What he additionally explained is that the interest rate is apparently reduced by increasing the amount of the first payments due on the payment schedule, effectively spreading a single estimated payment over multiple other payments. He then admitted that the system can sometimes assign a date at random that is not commensurate with the due date, but that when entering into the program over the phone, that option doesn't always exist. I explained to him that the practice seemed predatory and if as an XXXX with advanced degrees I was fooled by the quantitative manipulation, I could imagine that others would be as well. I asked to be transferred to a supervisor and he obliged. The supervisor I spoke with identified herself as XXXX. My understanding was that I was speaking to her on a recorded line. I explained to her what my experience had been and how I was blindsided by the adverse credit history given the payment schedule. My payment was due XXXX XX/XX/XXXX and was returned XXXX XX/XX/XXXX -- it was therefore factually inaccurate to report my account as being thirty ( 30 ) days past-due. I further explained to XXXX that I was a XXXX XXXX and as such I am required to dispute any factual inaccuracies within my credit files with the CRAs. I told her that it I would rather solve the matter with Discover Card, than resort to disputing thru the CRAs. I explained that I had no idea that the due date of my payment was entirely different than the scheduled payment date and cited the payment schedule and letter I'd received regarding the modified payment schedule. I cited the prior representative I'd spoken with and his explanation that enrolling in the program thru the website didn't make what was going on clear. XXXX became defensive. She began yelling over and over again about how she and Discover Card would continue reporting the adverse credit history to the CRAs and that I was in violation of my card agreement. I tried to explain again how what I was being told by her didn't make sense. She continued to yell. I told her that if we couldn't resolve the matter I WOULD REPORT THE INCIDENT TO THE CFPB. She reiterated that she didn't care about whom I filed a complaint with, she'd ensure the history continued to be reported. I then asked XXXX to transfer me to another supervisor that would be able to assist me further -- she refused, stating that " Discover Card internal policy would not allow her to transfer me to another supervisor ''. I asked again to be transferred to another supervisor and stated that I would be filing a complaint. XXXX again refused to transfer me to another supervisor. I informed her that I would be disconnecting the line and calling back XXXX continued to use every tactic possible to keep me on the line, berating me for being alleged violation of the card agreement. She continued to yell into the pone telling me that I could file a complaint against her all I wanted to and that Discover Card would continue to report the adverse credit history. I disconnected the line with her still yelling and me continuing to say " good-bye, ma'am. '' I called back within half an hour later. I explained to the representative what had just happened and additionally that I have never been treated so poorly by Discover Card in the fifteen ( 15 ) years I've held a card. This representative apologized for the ordeal, stated that she would take my complaint against XXXX and file it. She stated that I could be transferred upstairs to speak with a supervisor again. She stated that she didn't know why given the issues with enrollment within the program I was speaking of, and it being an issue card holders have raised before, that XXXX and I couldn't reach an agreement. She did offer at her level to apply a one-hundred dollars statement credit for my trouble. I declined, indicating my concern that such an offer would constitute satisfaction and accord with my ultimate concern being the adverse credit history. Ultimately I told the representative that I wasn't even sure I'd be keeping a credit card with the Card side of Discover Bank because of the interaction. I thanked the representative and disconnected the line. Around a month later I called Discover to inquire about the status of the complaint I'd filed. The representative stated that she could see where a complained had been filed against XXXX on my behalf. I additionally explained to the representative about the underlying issue and she too stated that I was not the only one to complain about the program. I requested that a supervisor contact me regarding my experience. The representative update the information and acknowledged my request for a call back regarding the issue with XXXX. Six months later I have yet to receive a call from Discover regarding either my underlying concern or experience with XXXX. Discover Card touts its standing as the credit card issuer " Ranked Highest in Customer Satisfaction with Credit Card Companies as reported by XXXX. XXXX. '' Furthermore, in its prior advertising campaigns it touted its customer service in that " it treats me like I treat me. '' Let me clear in that no card holder should be treated like I was treated by XXXX. Furthermore, as a customer service supervisor I would not treat a long-time card holder in such a disrespectful manner. Lastly, given the issues that Discover Card apparently has with the APR reduction program, I would offer to remove the adverse payment history. Per the attached statements, the adverse history reported to the CRAs is inaccurate. The payment at the time was four ( 4 ) days late according to the payment schedule -- not thirty ( 30 ). If individuals like XXXX are whom Discover intends to keep around as supervisors to handle their customer service, especially with long-time customers, they might find customers leaving in droves -- it's happened with other banking institutions that use similar tactics, while purporting an understanding of what it means to serve. Whether in a personal or business sense, I know how I'd treat me with respect to the ordeal with XXXX, and with the broader APR reduction program and adverse credit reporting -- It would not be how I was treated by Discover Card. Finally, from a business standpoint, I would not allow someone such as XXXX to continue to work for Discover Card, or any of its affiliates such as Discover Bank, since that business involves branding that is in stark contrast to XXXX 's poor behavior -- she's bad for business.
Company Response: Closed with monetary relief
2019-06-15
Nyc, NY
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: About XX/XX/XXXX i visited a transmission repair shop ( " XXXX XXXX '', XXXX, AL ) ONLY for the purpose to have a NEW DETENT CABLE installed into the transmission. Owner had to research to find a new one or would rebuild the detent cable. After a week, it was determined the detent cable would have to be rebuilt because a new one could not be located. I had to go out of town for at least a month. The shop owner stated he would need time to rebuild the detent cable and told me I could leave my vehicle at his facility and there would be no storage charge- and the vehicle would be stored indoors. I agreed. I was informed a detent cable, new or rebuilt would cost me {$120.00}.
XXXX, XXXX, I returned to XXXX and visited the transmission shop and was handed a bill for {$1900.00}. The charge was for rebuilding my vehicles transmission. My transmission DID NOT need to be rebuilt. I contested this charge and i never signed a document to have this work done, however, I did sign a document to have the detent cable repaired/rebuilt. This same document had been filled in with additional information ( e.g. " ... rebuild transmission. ) after I signed only for detent cable work. This was corrupt and deceptive and angered me. The shop owner refused to release my vehicle unless the charge was paid. Having no other choice at the time, I utilized my DISCOVER credit card to pay and my car was released. I reported this outrage to Discover card and the matter was placed into DISPUTE. As it turned out, the transmission was not properly repaired ( even though repair was never requested ) as it would not properly change gears, leaked and was sluggish. Outraged, I returned to the shop, expressed my dissatisfaction and outrage. The shop owner ordered me to leave the shop. I did. Because of the damage done to my transmission, I have been obligated to get it repaired because of the damage done and failure by XXXX XXXX ; the transmission was left in such poor operating condition that I could have been killed as described to me by the car dealer ; the transmission was not operating properly and could have caused me to have a serious accident due to various malfunctions that were imposed by a transmission that was made bad by non-professional workmanship.
After Discover cards alleged investigation, Discover card validated the XXXX XXXX charge, stating the charge was valid because my signature was on the work order that listed the transmission repair. I explained to Discover card that the shop owner was deceptive and had filled in the " transmission repair/rebuild '' after I signed only for a detent cable. DIscover card was uncooperative with me and validated the charge from XXXX XXXX. Outraged again, I refused to pay Discover card. Discover card sued me for the charge in Civil Court. I opposed Discover card in Court and was willing to fight " tooth and nail ''. Discover card later dropped the suit. However, Discover card reported me as delinquent to credit agencies and my credit scores dropped from the XXXX 's to upper XXXX 's and XXXX 's.
I am respectfully requesting that the matter of my credit profile be adjusted back to where it was in excellence. Discover card was cheated, indirectly, by XXXX XXXX, not this cardholder. I was always an on-time payer with Discover card, never missed a payment and was never late.
In my opinion, Discover card is punishing the wrong individual because it may have seen me as an easier target just as identity thieves see some individuals, of which I've been the victim in that arena and work diligently to fix the problem that has visited me to a detriment.
Best regards, XXXX XXXX
Company Response: Closed with explanation
2019-06-15
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: A credit card was fraudulently opened under my name in XX/XX/XXXX.i never applied nor had this card and Ive been disputing as well as made a police report on this as well, a gentleman by the name of XXXX XXXX stole my identity opened auto loans and credit cards and also stolen my father information and opened business cards under his name and took {$19000.00} out of one card through a XXXX app
Company Response: Closed with non-monetary relief
2019-06-14
South Florida, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.
Company Response: Closed with monetary relief
2019-06-14
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
Company Response: Closed with explanation
2019-06-14
Grosse Ile, MI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Around XXXX XX/XX/XXXX, I accepted an offer from Discover Card via their website to have my interest rate reduced. My understanding was that my interest rate would be reduced for a period of twelve ( 12 ) calendar months beginning XXXX XX/XX/XXXX and ending XXXX XX/XX/XXXX. As a condition of the agreement, it was my understanding that I needed to bring my account current and make an immediate payment. I made the payment amount as scheduled per the attached payment schedule. I believed that my payment due dates were now modified per the agreement such that they would now be due at the end of each month.
My account was current as of XXXX XX/XX/XXXX and my understanding per the one-page enrollment confirmation I received was that I needed to have money in the account by the due date. I believed that the due date was no commensurate with the pre-scheduled payments.
Around XXXX XX/XX/XXXX Discover attempted to make an ACH debit in line with the attached schedule. The debit was declined by my banking institution on XXXX XX/XX/XXXX. I would not become aware of the issue until Discover reported adverse credit history marking my XX/XX/XXXX payment thirty ( 30 ) days past-due.
Around the beginning of XX/XX/XXXX I contacted Discover and explained the situation to the customer service representative. He responded by telling me that he wished I would have entered into the interest rate reduction on the phone rather than online. Because the scheduled payment dates per the attached were not actually the due dates for my account, and that my payments we still due at the beginning of each month. What he additionally explained is that the interest rate is apparently reduced by increasing the amount of the first payments due on the payment schedule, effectively spreading a single estimated payment over multiple other payments. He then admitted that the system can sometimes assign a date at random that is not commensurate with the due date, but that when entering into the program over the phone, that option doesn't always exist. I explained to him that the practice seemed predatory and if as an XXXX with advanced degrees I was fooled by the quantitative manipulation, I could imagine that others would be as well. I asked to be transferred to a supervisor and he obliged.
The supervisor I spoke with identified herself as XXXX. My understanding was that I was speaking to her on a recorded line. I explained to her what my experience had been and how I was blindsided by the adverse credit history given the payment schedule. My payment was due XXXX XX/XX/XXXX and was returned XXXX XX/XX/XXXX -- it was therefore factually inaccurate to report my account as being thirty ( 30 ) days past-due.
I further explained to XXXX that I was a XXXX XXXX and as such I am required to dispute any factual inaccuracies within my credit files with the CRAs. I told her that it I would rather solve the matter with Discover Card, than resort to disputing thru the CRAs. I explained that I had no idea that the due date of my payment was entirely different than the scheduled payment date and cited the payment schedule and letter I'd received regarding the modified payment schedule. I cited the prior representative I'd spoken with and his explanation that enrolling in the program thru the website didn't make what was going on clear.
XXXX became defensive. She began yelling over and over again about how she and Discover Card would continue reporting the adverse credit history to the CRAs and that I was in violation of my card agreement. I tried to explain again how what I was being told by her didn't make sense. She continued to yell.
I asked XXXX to transfer me to another supervisor that would be able to assist me further -- she refused, stating that " Discover Card '' internal policy would not allow her to transfer me to a supervisor. I asked again o be transferred to another supervisor and stated that I would be filing a complaint. XXXX again refused to transfer me to another supervisor. I informed her that I would be disconnecting the line and calling back XXXX continued to use every tactic possible to keep me on the line, berating me for being alleged violation of the card agreement. She continued to yell into the pone telling me that I could file a complaint against her all I wanted to and that Discover Card would continue to report the adverse credit history. I disconnected the line with her still yelling and me continuing to say " good-bye, ma'am. '' I called back within half an hour later. I explained to the representative what had just happened and additionally that I have never been treated so poorly by Discover Card in the fifteen ( 15 ) years I've held a card. This representative apologized for the ordeal, stated that she would take my complaint against XXXX and file it. She stated that I could be transferred upstairs to speak with a supervisor again. She stated that she didn't know why given the issues with enrollment within the program I was speaking of, and it being an issue card holders have raised before, that XXXX and I couldn't reach an agreement. She did offer at her level to apply a one-hundred dollars statement credit for my trouble. I declined, indicating my concern that such an offer would constitute satisfaction and accord with my ultimate concern being the adverse credit history. Ultimately I told the representative that I wasn't even sure I'd be keeping a credit card with the Card side of Discover Bank because of the interaction. I thanked the representative and disconnected the line.
Around a month later I called Discover to inquire about the status of the complaint I'd filed. The representative stated that she could see where a complained had been filed against XXXX on my behalf. I additionally explained to the representative about the underlying issue and she too stated that I was not the only one to complain about the program. I requested that a supervisor contact me regarding my experience. The representative update the information and acknowledged my request for a call back regarding the issue with XXXX. Six months later I have yet to receive a call from Discover regarding either my underlying concern or experience with XXXX.
Discover Card touts its standing as the credit card issuer " Ranked Highest in Customer Satisfaction with Credit Card Companies as reported by XXXX. XXXX. '' Furthermore, in its prior advertising campaigns it touted its customer service in that " it treats me like I treat me. '' Let me clear in that no card holder should be treated like I was treated by XXXX. Furthermore, as a customer service supervisor I would not treat a long-time card holder in such a disrespectful manner. Lastly, given the issues that Discover Card apparently has with the APR reduction program, I would offer to remove the adverse payment history.
Per the attached statements, the adverse history reported to the CRAs is inaccurate. The payment at the time was four ( 4 ) days late according to the payment schedule -- not thirty ( 30 ).
If individuals like XXXX are whom Discover intends to keep around as supervisors to handle their customer service, especially with long-time customers, they might find customers leaving in droves -- it's happened with other banking institutions that use similar tactics, while purporting an understanding of what it means to serve.
Whether in a personal or business sense, I know how I'd treat me with respect to the ordeal with XXXX, and with the broader APR reduction program and adverse credit reporting -- It would not be how I was treated by Discover Card.
Finally, from a business standpoint, I would not allow someone such as XXXX to continue to work for Discover Card, or any of its affiliates such as Discover Bank, since that business involves branding that is in stark contrast to XXXX 's poor behavior -- she's bad for business.
Company Response: Closed with monetary relief
2019-06-14
Nyc, NY
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: The imposters claiming to be a police officer reached out to me through a XXXX police department number and said that my SSN has been used to open illegal accounts. The fake police officer then " transferred '' me to an alleged member of the FBI, whose fake name is XXXX XXXX. The member of the FBI said that my SSN has been involved in various suspicious activities including money laundering, drug trafficking, stolen vehicles, etc. He said that my bank account has been mixed in with the accounts of the people who have stolen my identity and told me to wire transfer money out of my CD account and into a given account number so that they can " help sort through the bad accounts. '' I did as he asked for my Discover account and scheduled a wire transfer of {$15000.00} at XXXX ET on XX/XX/2019.
On the Discover wire transfer confirmation, it clearly said that for the wire transfer to send today, I must call for a verbal confirmation by XXXX. However, since I made the transfer at XXXX ET, by the time I granted the verbal confirmation it was already past XXXX ET, so the payment shouldn't have sent. Later when I realized that this has been a scam, I reached out to Discover, I was told that the {$15000.00} has already been transferred out of my account, and they can only put out a recall for the transfer.
As of right now, I have a case opened with Discover for the scam as well as an official police case number. The Discover customer service agents have been extremely helpful and closed out the bank account that was jeopardized, and I am hoping that Discover can successfully make a recall from the imposters. However, I do think that the way the bank allowed a transaction made right at the cut off time and authorized after the cut off to go through on the same day is misleading to the customers. If the policy were actually as listed on the confirmation page, the {$15000.00} would still be a pending transaction when I called the company and this could have been salvaged with damages. Based on this experience, I don't think Discover has actually protected my account as what they said they would do.
Company Response: Closed with monetary relief
2019-06-14
FL
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/2019 I noticed there was a fraudulent charge on my personal Discover Credit Card. I reported this fraud to Discover on XX/XX/2019. On XX/XX/2019 I noticed that my Discover card balance was - {$3100.00} and that there had been several years of fraudulent charges on my Discover Card. I called Discover and asked about these funds. They confirmed it was from the fraud. On XX/XX/XXXX I called to see if I could get the funds sent to my personal checking account. They took my account number and told me I'd have the funds in 10-14 business days. After 14 business days, I called them and told them I hadn't received the funds. They said they were sorry, it was because it takes 90 days to investigate the fraud. I told them, that's not what you told me 14 business days ago and I was already planning on a family vacation and was going to use those funds. I then called back 5 days later and was told that they'd closed the fraud investigation and took my banking information again to release the funds. I waited until today, XX/XX/2019, which was 14 business days from when they told me my funds would be in my account. They're still not there and now their fraud department is telling me I won't have the funds for 90 days until the investigation is over. These are my funds and they've consistently lied to me. I want my money, I also want paid for my time spent on the phone and the vacations and trips I had to forgo because they lied.
Company Response: Closed with explanation