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 46
2019-06-14
Newnan, GA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I feel like my life has been completely destroyed. Someone opened up a fraudulent credit card with DISCOVER in my name and accumulated all types of charges. I noticed the cards within my credit report in XX/XX/2018. I disputed the accounts and it was removed from my credit report after a thorough investigation. Now 4 months later the account has popped back up into my credit report from Discover Financial and dropped my credit score over 200 points. Ive disputed this account more than once and its been successfully removed and it continues to come back. I'm devastated right now. Contacting the FTC & CFPB was a last resort. PLEASE HELP ME GET THIS ISSUSE ALL CLEANED UP ....
Company Response: Closed with non-monetary relief
2019-06-14
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-06-13
Tarzana, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-06-13
Loudon, TN
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
2019-06-13
CT
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2019, I discovered that several thousand dollars ' worth of charges had been made on my Discover debit card. I reported them. On XX/XX/2019, I received a call from Discover dispute investigations who asked me a few questions and told me I should file a police report. I asked for the information they had and a supervisor named XXXX told me he would send me all of the documents. I never received any documents at all. On XX/XX/2019, Discover decided that the charges were valid even though it is impossible that I made them. I asked for proof and they can't provide me with any proof or documents. The burden is on them to prove that I made these charges and they will not show me what they are using to justify the decision that I made them ( most likely because there is no evidence ). Now my account is overdrawn and I can not pay my bills or book necessary business travel because of this. The Deposit Agreement says I have zero liability for fraud.
Company Response: Closed with explanation
2019-06-13
Coconut Grove, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-06-13
IN
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: On XX/XX/2019 I sent in a check to Discover Bank to be Deposit in the amount of XXXX. I had to verify my identity twice. With this bank which I had no problem doing so. Everything was good until XX/XX/XXXX when I was trying to withdraw the XXXX dollars. I called they said they closed my account and couldnt give me anymore information. So I asked could I speak with a supervisor she got on a she was very rude saying she couldnt tell me why the account was closed. But then I called today which is XX/XX/XXXX and they let me know the account is still open it just froze for security reasons
Company Response: Closed with explanation
2019-06-13
Oakland, 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
2019-06-13
Lannon, WI
Closing an account
Checking or savings account: Savings account
Company closed your account
Complaint: On XX/XX/XXXX, Discover closed my savings and two credit card accounts without any reason. At that time, I still have over {$80000.00} balance in that savings account. I have to call discover to ask them what happened and they told me that my online accounts were just deleted and they can not recover them at all.
I have to register a new online account to access my savings account and the customer service of Discover did not know why this account was closed! I have been holding the credit card accounts for more than 5 years and the savings account for 4 years and have never violated any of Discover 's rules.
I know they used to close customer 's credit card accounts for no reason. But what I can not accept is that they even closed my savings account without any reason and notice, especially when I still have {$80000.00} in that savings account!
Company Response: Closed with explanation
2019-06-13
Queens, NY
Communication tactics
Debt collection: Credit card debt
Called before 8am or after 9pm
Company Response: Closed with explanation
2019-06-13
N Falls, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On my FICO score credit rating went down for the months of XX/XX/XXXX to a score of XXXX, and XX/XX/XXXX to a score of XXXX. My score was always above 800.My score for XX/XX/XXXX was XXXX. I called FICO ( Discover card ) numerous times and was told it was in escalation and they would check on it My last call was on XXXX XXXXIt also shows that I missed a payment.I did not miss a pymt. I always pay my bills on time.I was told that FICO gets their information from XXXX I Icalled XXXX and was told that there wasn't any missed pymts.I also printed out a hard copy of my report from XXXX and could not find anything wrong with it-nothing for the past 5 years.I paid {$22.00} for the report.When I called FICO they told me to call XXXX.When I called XXXX they told me to call FICO.I can't get a straight answer.I obtained a score from XXXX, XXXX, XXXX XXXX, and XXXX XXXX.All scores are above 800.I don't know why my FICO score went from XXXX to XXXX, everything is paid up and on time.I CAN'T GET ANSWERS.I would appreciate your help.Thank you.
Company Response: Closed with explanation
2019-06-13
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
2019-06-12
Antioch, TN
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
2019-06-12
Calcutta, OH
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with explanation
2019-06-12
Oro Valley, AZ
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with non-monetary relief
2019-06-12
Eagan, MN
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
2019-06-12
OH
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Complaint: Discover has charged me, multiple times, for the same purchases. I have paid for these purchases, but they continue to charge me for them. Also, I disputed a charge, based on the quality of the purchase not being as guaranteed. They denied my dispute. I have since closed my account, but they continue to charge interest on the account.
Company Response: Closed with explanation
2019-06-12
Mercer, PA
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Company Response: Closed with explanation
2019-06-12
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
2019-06-12
WI
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: First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading.
I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time.
I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have.
They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out.
This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.
Company Response: Closed with non-monetary relief
2019-06-12
Key Biscayne, FL
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Investigation took more than 30 days
Complaint: I am writing in regard to the charge off accounts on my credit report for my Discover card. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Company Response: Closed with explanation
2019-06-12
Maynard, MA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation
2019-06-11
Arden, DE
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
2019-06-11
Foothill Ranch, CA
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: DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''
Company Response: Closed with explanation
2019-06-11
NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: It is nice to have the account re-opened, however, the company did not allow me to remove an abundance of charges accumulated onto the account. They are waiting for some companies to respond. I do not mean to bug people, however, I would like to have my account payments reduced.I am not able to pay XXXX a month. I need to be placed into the Payment Protection Plan again. Discover accidentally charged me over {$2000.00} for XXXX charges since having the account. I never signed up for XXXX or any other additional services on my account. They tell me that they are only able to see statements from XX/XX/XXXX. They should monitor fradulent and faulty charges from XX/XX/XXXX- XX/XX/XXXX also. How are they able to say that I owe over {$5000.00}?, in charges, since XX/XX/XXXX. What if some of the other charges on the account are fraudulent. Then it is okay to say that I am not liable for a {$5000.00} credit card bill. My credit card balance should be cut into half due to the fradulent XXXX charges that I did not sign up for. Additionally, my payments should be lower.
Company Response: Closed with explanation