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 56
2019-05-03
PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: i have request a lower interest on my discover card, this is the second time, i have request this..and they refuse, the also tell me to buy future stuff so i may have a lower interest. i have a 25.6 % on this card, is very high interest/
Company Response: Closed with non-monetary relief
2019-05-02
Columbus, 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 explanation
2019-05-02
Noblesville, IN
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2019-05-02
Sanders, KY
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
Company Response: Closed with explanation
2019-05-02
San Francisco, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable.
However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing.
To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected.
( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously.
Discover listened to my concerns and complaint but could/would not offer any resolution.
Company Response: Closed with explanation
2019-05-01
Ashaiiu, VA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-05-01
Ashaiiu, VA
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Closed with explanation
2019-05-01
Church Point, LA
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
Complaint: Discover decreased my credit line and did not notify me in advance. As the account has been paid on time, why was the credit line decreased. I have called and their reps have not been able to provide any details.
Company Response: Closed with explanation
2019-05-01
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
Complaint: I received an offer for a credit card from Discover by mail the last week of XX/XX/2019. It stated I was pre approved for 18 % -21 % apr on a Discover It card. I applied and was denied, they then told me I could accept a different card at 26 % apr. They then hit me with a hard inquiry for turning their TERRIBLE offer down. The interest percentage is WAY HIGHER than what I was lead to believe regardless of rates. I've never had a card with an interest rate that high. This is a bait and switch.
Company Response: Closed with explanation
2019-05-01
Scottsdale, AZ
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 have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover.
I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation.
If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET.
Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.
Company Response: Closed with explanation
2019-05-01
Allenwood, NJ
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Re : Discover Credit Card Last 4 acct. digits : XXXX Last 4 SSN digits : XXXX Card was opened on XX/XX/XXXX, Total Credit Line : {$6000.00} On Tue. XX/XX/XXXX, the following email was received from Discover : As a result of a recent review of the Discover it card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason Inactivity on your account ( s ) We will credit your account with your Cashback Bonus ( or Miles ) balance if you have one. If you have any questions, our service specialists are available to assist you 24 hours a day, 7 days a week, by calling XXXX Sincerely Credit Operations On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, the service number listed on the back of the card, as well as the number listed on the bottom of the email. I was informed, in both cases, that the card could not be reactivated, and the inactivity clause was noted on the user agreement. I explained that I was saving the card for emergencies, and that If I had some advance notification regarding this action, Would have been happy to use the card in order to prevent this rather abrupt and consumer hostile action. All to no avail, my pleas fell on deaf unresponsive ears. I really feel that a professional courtesy of advance notification could have avoided all this.
Company Response: Closed with explanation
2019-05-01
Hollywood, CA
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
2019-05-01
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
Complaint: On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card.
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department.
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor.
4 ) The Defendant was indited on all counts and charged by the Prosecutor.
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts.
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions.
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.
Company Response: Closed with monetary relief
2019-04-30
Guadalupe, AZ
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
2019-04-30
Arlington, TN
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
2019-04-30
Piedmont, WY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-04-30
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
2019-04-30
Urb El Pilar, PR
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
2019-04-30
Antonino, KS
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with explanation
2019-04-29
Paterson, NJ
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 monetary relief
2019-04-29
Alafaya, FL
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with non-monetary relief
2019-04-28
Fort Worth, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-04-28
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: INQUIRY I DONT RECOGNIZE BEING REPORTED
Company Response: Closed with explanation
2019-04-28
Campton Hills, IL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-04-28
Parlin, NJ
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: Filed billing dispute with Discover card on or about XX/XX/XXXX, with an amount of {$68.00} under dispute reference number XXXX. Accordingly, Discover emailed me on XX/XX/XXXX advising the dispute has been resolved in my favor. Also, per the website of Discover card, I am cutting and pasting the following : ( Rather than crediting my account for this purchase, Discover card recharged my account for this purchase ).
Resolution Date XX/XX/XXXX Description XXXX XXXX - NJ XXXX XXXX NJ Amount {$68.00} Dispute # XXXX Current dispute status is Dispute DateXX/XX/XXXX Status Updates XX/XX/XXXX Dispute resolved in your favor This case has been closed in your favor, as we have not received a response to our request from the Merchant. A credit will be applied to your account, and any temporary credit previously applied during our investigation will be reversed. Any interest or fees that may have been added you your account as a result of this issue have also been corrected.
Company Response: Closed with explanation