DISCOVER BANK

2019-06-04

Magnolia, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: Discover Financial Services shown a charge off on my 3 reports. This account has reach it statue limitation to be remove from my credit reports
Company Response: Closed with explanation

Timely Response

2019-06-04

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

Timely Response

2019-06-03

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

Timely Response

2019-06-03

Baton Rouge, LA

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

Timely Response

2019-06-03

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

Timely Response

2019-06-02

Arco, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: Dear CFPB My Discover Credit Card Was Closed for no Reason. I got letter that they closed my account by reviewing my account i found no evidence i have done anything wrong. I called and was not informed any factual and accurate reason why my account was closed. Only think i can assume that they might think i purchased jewelry which description is coin so the assume its bitcoin which is not. I purchased jewelry not bitcoin .All they could do to verify that its not Bitcoin they could brows internet only 1 minute and discover its not Bitcoin its regular jewelry shop. I have attached for your review my last 3 months statements so you can verify and see i have done anything wrong. I also attached their letter which doesn't explain or give reason why my account was closed Please see attached also letter of legal complaint.
Company Response: Closed with explanation

Timely Response

2019-06-01

Cornell, IA

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

Timely Response

2019-06-01

WV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-01

Key Biscayne, 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
Complaint: Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Company Response: Closed with explanation

Timely Response

2019-06-01

Bakersfield, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: Approximately two years ago, I was a primary card holder with a joint co-signer. That co-signer was my mother. Payments were always on time, the account was current, etc. I paid everything and all charges were mine. My mother, XXXX XXXX XXXX, ran into significant financial trouble and contemplated bankruptcy. She also held a completely separate account in her name only. Knowing that she would be filing for bankruptcy and not knowing what Discover would do to my account with her as the co-signer, I quickly took money from my savings account and made a large, lump-sum payment of the entire balance so as to avoid any issues. Sadly, Discover felt the need to retaliate against my mother for her bankruptcy and to me, apparently, for paying off the balance thus eliminating the interest they were earning and closed my account without warning. The account was mine, with me as the primary account holder, and it was in excellent standing with a XXXX balance. I did nothing to Discover and yet they chose to close my account causing my credit score to take a hit because of the reduced credit availability and the closing of an older account thus reducing the average age of my accounts. I tried calling them to argue the point but their automated system would recognize my number and force the call to be transferred to the bankruptcy team who offered no help. In fact, they were outright rude and even suggested I pay the balance of my mothers card that was solely in her name. When I refused, I was disconnected upon. I attempted to contact supervisors, but to no avail. I was effectively blacklisted and retaliated against without any reason to do so other than a family members bankruptcy. Fast forward s few years later to now. I decided hey, maybe they go this straightened out on their side and so I completed a prequalification ( reference XXXX ). Despite having perfect credit with a FICO of 750+, 17 % UTL, no derogatory remarks or collections at all, XXXX of 4 years, home owner, and excellent income, I was denied. The reason given was Status of Existing/Prior Account. I called the number provided ( XXXX ) to their credit operations team and spoke with XXXX XXXX whom informed me that my earlier account had been revoked. I attempted to explain the situation but she wouldn't hear it. Like before, I needed to be transferred to that Bankruptcy department and guess what - they're closed right now and I'd have to call another day. I believe Discover is violating the FCRA as well as retaliating against me for the actions of another. Because of their actions, I have suffered financial loss by way of the closed account and effect upon my credit score. As evidenced by todays action, Discover - despite being aware of the situation and failing to remedy it - continues it's illegal and aggressive actions to punish a good standing prior card holder who is otherwise completely qualified according to their guidelines due to another card holder exercising her ability to file banakruptcy ( which was granted ). My financial well-being is superior with absolutely no blemishes. I work hard to pay my bills on time and my record reflects a perfect payment history. My name is XXXX XXXX XXXX and my phone is ( XXXX ) XXXX.
Company Response: Closed with explanation

Timely Response

2019-05-31

Seneca, SC

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

Timely Response

2019-05-31

NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-05-31

Burbank, 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

Timely Response

2019-05-31

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

Timely Response

2019-05-31

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

Timely Response

2019-05-31

Cranston, RI

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-05-31

Rochdale, 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
Complaint: i am XXXX XXXX and i was member with DISCOVER card company from XXXX to XXXX and i do remember calling discover people in XX/XX/XXXX and telling them to turn off my account after i made all rest of my payments. and after few months they starting sending me bills again when XXXX XXXX people were charging my {$100.00}, {$200.00} all the time like they probably charged me 10 times same amount when i closed my account with discover people and while i was never ever using my XXXX so they were charging me without reason. then i called discover people and explained to them that it was not me but they never made any move they always use to say we'll look into this and then they will put interest on that and send new bill with more money then i got another bill which shows someone was using my card with thier XXXX XXXX because i called discover people again and told them this is not me either then they said someone using your card with XXXX XXXX nd with your mobile phone number on and i was so shocked at that time nd i requested then to close my account again but like always they never did and always put interest on my card and send more bill so this is been happening so i didn't make any payments because i wasn't using thier card so why would i make payments but then my credit score starting going really bad nd now i have to take some steps. i really need justice and your help please look into this. please and apple pay transaction is not me either it's hacked or something because this is just so insane.
Company Response: Closed with explanation

Timely Response

2019-05-31

N Hollywood, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-05-31

Brooklyn, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2019-05-31

Brooklyn, NY

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-05-31

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: Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you
Company Response: Closed with explanation

Timely Response

2019-05-31

Lewisville, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.
Company Response: Closed with explanation

Timely Response

2019-05-31

NY

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 1. Why didn't Discover send an email and/or text to follow-up? 2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.
Company Response: Closed with explanation

Timely Response

2019-05-31

Washington, DC

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 Bank Credit Card On my Discover mobile Apps XX/XX/2019 Cashback Bonus redemption - {$3.00} Internet Payment - - {$450.00} XX/XX/2019 Returned Internet Payment {$460.00} Represented Internet Payment - {$460.00} Returned Internet Payment {$460.00} Internet Payment - {$460.00} On my Account summary XX/XX/2019 - XX/XX/2019 Transactions Payments and credits Trans Date XX/XX/XXXX - {$450.00} - {$3.00} XX/XX/XXXX - {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX - {$460.00} Please check on the discrepancies of accounting as reflected on the apps and the account summary. There is one transaction missing on the statement. There should be another entry of {$460.00} to balance the account as in the apps. Otherwise I have to pay an additional of {$460.00}
Company Response: Closed with explanation

Timely Response

2019-05-31

Virginia Bch, VA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I sent a payment thru the mail and When they processed it They Withdraw {$380.00} and That emptied out my checking account!! I contacted the customer service number and I was told Their expedited my refund in one to two business days!! I spoke to supervisor everyday!!! When that happened to me I started calling back every day and getting the same answer it's been taken care of!! Finally it was processed on the Third Day with the Stipulation that now I have to wait another one to two business days!! So on the Fifth day I contacted Executive office and spoke with associate and they said they would investigation because I owed family for over draft protect of {$300.00}!! I owe co-workers money for gas to go to work!! I needed {$100.00} for life savings medicine!! Ten days later I get refunded for the wrong transaction of my payment!! The associate contact me stating she would handle the extra money I had to acquire because my checking account has been emptied out!! No one has made any progress to pay back my extra expenses because of the company mistake!! I have written to the CEO of the company and theirs been no response yet?? I need someone help with this unwanted financial Burdens!!
Company Response: Closed with explanation

Timely Response