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 57
2019-04-28
Jupiter, FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Received a line of credit from discover for their IT card with a balance transfer ( BT ) zero interest rate period of 18 months promo and zero interest rate on purchases for 6 months which would've end in XX/XX/XXXX and XX/XX/XXXX respectively. On Thursday XX/XX/XXXX I made my first of two BT of {$3500.00} which generated fees of {$100.00}. On XX/XX/XXXX I made my second and final BT of {$310.00} which generated {$9.00} in fees. I made four ( 4 ) payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$150.00} except for XX/XX/XXXX's payment which was {$140.00}. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made purchases from XXXX and XXXX XXXX XXXX of {$1100.00} ( XXXX ), {$1100.00} ( XXXX ), {$20.00} ( XXXX ) and {$1100.00} ( XXXX ) respectively. The purchase from XXXX of {$1100.00} made XXXX XXXX was returned along with the XXXX purchase of {$1100.00} refunds pending. Made my monthly payment for XX/XX/XXXX of {$100.00}. On Friday XX/XX/XXXX I made a XXXX purchase of {$340.00} returned and item from the purchase on XX/XX/XXXX for {$200.00} and made an additional purchase of {$310.00} so essentially my purchase total from XXXX was {$440.00}. On XX/XX/XXXX of XXXX refund finally hit the card, all previous pending refunds already hit. Made my XXXX payment of {$150.00}. XX/XX/XXXX I had a XXXX charge of {$0.00}. Monday XX/XX/XXXX I made an XXXX purchase of {$200.00} and {$840.00} both purchases were refunded and refunds posted by XX/XX/XXXX within the zero interest period. That was the last purchase made on card to date ( Sunday XX/XX/XXXX ) and I continued making my monthly payments of about $ 150 monthly.
From XX/XX/XXXX onwards I was charged approximately $ 50+ dollars in interest which seemed high since I should only have been carry a purchase balance of around {$1600.00} at an APR of 22.49 % according to my contract. however I said to myself discover would never cheat me my math must be off. some months passed by the interest charges still seemed high but I never got around to calling.
On Friday XX/XX/XXXX XXXX XXXX eastern time I decided to call discover and spoke to an agent who committed to getting to the bottom of the interest charges and confirmed that my BT transfer period was intact until XX/XX/XXXX. What was revealed during the call really opened my eyes as to how deceptive the practices of Discover really are. I learned that all my purchase refunds were going to my BT and not refunding my actual purchases that were made thus making me carry a higher ( more than twice the amount ) purchase balance ) thus allow Discover to charge me more interest since my BT was still in the zero interest period and my purchase were not. I asked to speak to a supervisor I got XXXX from Ohio employee number which he gave me was XXXX who in at first proceeding to tell me the agent before didn't provide me with the correct information and my refunds were not placed towards my BT but later backtracked when I went through the math which based on the amount of interest I was paying added up. however XXXX proceeding to tell me Discover was in the right and what they did was fair and nothing could be done.
Discover is the worst financial company I have ever dealt with and I will never again after paying off and cancelling this card do business with them again and if you are reading to beg you to do the same. If my payments were going to my BT I would accept that, but to have my refunds for the exact amount from the same merchant go towards my BT and not my purchases in my mind is criminal and extremely unfair.
I have attached files showing all the activity for this card. Name, address, telephone number and order numbers have been blocked out entirely or partially to protect my privacy.
Company Response: Closed with monetary relief
2019-04-28
Cols, 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
Company Response: Closed with non-monetary relief
2019-04-27
Saint Paul, MN
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: After I applied for this account, Discover agents had been trying to stop me using this account by all means. They first started with asking for me for XXXX form and State ID information. After I had submitted those forms and information, I asked an agent if the information I submitted was good, he said yes. And then a few days later, another agent contacted me and said that they could not approve my information. So I asked for the reason, she could not explain it clearly to me, just saying that you may need to reapply later.
And after Discover closed my account on XX/XX/XXXX, I called the customer service center to check what exactly happened to my account, the agent then responded with the statement that " there is a duplication of my social-security information, and the accounted was closed because we received no response from you. '' Ironically, I have never received a phone after my ever since the second Discover agent contacted me.
So I tried to reapply, but every single time, Discover declined my application for the reason that there is an existing Discover account. Honestly speaking, I don't know how Discover operate my account, but it seems that did not close my account completely. Now I could neither use my account nor reapply for it. And I also received a message that Discover had reported to the credit bureau for the forceful account close, which had significantly affected my credit score.
Company Response: Closed with explanation
2019-04-27
Galena, OH
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.
Company Response: Closed with explanation
2019-04-27
Houston, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Complaint: I have an account from XXXX XXXX XXXX XXXX # XXXX that's still on my credit report that I paid off in XX/XX/2017. I would like this account removed from my credit report as soon as possible.
Company Response: Closed with explanation
2019-04-26
Stkn, CA
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
2019-04-26
Kailua, HI
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
2019-04-26
Vienna, NC
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
2019-04-26
Bannockburn, IL
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
2019-04-26
Torrance, 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: From XX/XX/XXXX to XX/XX/XXXX my Discover credit card has been extensively used by a scammer. I opened this card mainly for the purpose of balance transfer from another card, I set up a minimum amount to pay back every month, I barely used the card and did not pay attention to the billing statements.
It was not until XX/XX/XXXX that I found out about the fraud amounts on this card, I contacted Discover right away and they promised me to resolve this ; within the month they returned the amounts disputed of {$250.00} back to my card, but that was not the full amount, Discover still owed me {$130.00} but I never heard from them again.
I thought it'd be over and I could move on but no, the card was again used by scammers and charges continued to occur well into XX/XX/XXXX. I reported the issue to Discover and asked for a new card and the company again promised to resolve it. By this time, the overall charges were {$770.00}. Discover later refunded me {$540.00} but the remaining amount of XXXX XXXXwas never received.
However, in XX/XX/XXXX Discover charged me {$460.00} out of the previous disputed amounts. In XX/XX/XXXX I disputed for the third time against the amount charged in XX/XX/XXXX with them, and they again promised to help me.
Today is XX/XX/XXXX and I have not heard or received any response from them, I have called and followed up with the company at least 5 times. I just finished a phone call with Discover representative and was told the fraud department had completed the investigation one month ago on XX/XX/XXXX, and determined the charges were my liability. In addition, without any new information I can not open another dispute with them. However, during my previous followups nobody had told me if they made any progress in my case, and all of a sudden now they are telling me I am responsible for these charges.
We are now burdened with an extra {$620.00} to pay which was fraudulently used. We have been working hard to pay off our debts, but with situations like this we will never achieve a debt free life. Please consider our complaint and uphold justice.
Company Response: Closed with explanation
2019-04-26
Philadelphia, PA
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 am a victim of identity theft. A discover credit card was open using my name and personal information, at no time did I have or apply for a Discover Credit Card. I Immeaditaly notified the credit reporting agencies and Discover bank when I notice this fraudulent account. Numerous of times I have disputed this fraud account and wrote letters requesting that all documents, such as credit application transactions and activity related to this account be sent to me. I have filed a police report with the XXXX Police Department DC # XXXX and also the federal trade commission. I have taken all steps to correct this fraudulent account and I am still requesting that Discover send me those documents.This fraud account needs to be corrected at no time did I open this account and it is against the law to report fraudulent activity that does not belong to me.
Company Response: Closed with non-monetary relief
2019-04-26
Glendale, CA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: XXXX XXXX XXXX XXXX engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.
Company Response: Closed with explanation
2019-04-26
Brooklyn, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: I closed my Discover Card account in XX/XX/XXXX. Discover Card continues to access my XXXX credit report and look for my SSN online, without my permission. I have tried multiple times to get them to stop accessing my credit information but they continue to do so. I've called multiple times to stop this, the latest conversation being at the end of XX/XX/XXXX, where they swore they were no longer looking up my info, and yet I received another email on XX/XX/XXXX saying they had been monitoring my credit report/SSN activity.
They do not have my permission to do this, I am no longer a customer, yet they continue to look into my private information without my permission.
Company Response: Closed with non-monetary relief
2019-04-26
GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: A payment was made before the due date. I used XXXX. they said the payment should be received on XX/XX/2019 they still have not posted the payment to the account.
Company Response: Closed with explanation
2019-04-26
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
2019-04-26
Murray, UT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: I applied for a balance transfer with Discover Card on Monday, XX/XX/XXXX. On the website, they disclosed the balance transfer would take 7 - 10 days.
I spoke on the phone with an agent in their XXXX XXXX XXXX office the night before applying online on their website to make sure everything qualified and was in place. I have been a cardholder of theirs for 25 years. I always make my payments on time, figured they take care of long term customers.
I called on the XXXX to see the status. They said it was processing. Would probably take a week to receive the transfer. I called on Monday, XX/XX/XXXX, asked about the status again. Spoke with a rep in their Arizona office. She said it would probably take a little longer. I asked if they sent it ACH or by mail. She said she didn't know and couldn't see in her systems. I asked to speak with a supervisor to see how it was sent. The supervisor in Delaware said they couldn't tell how it was sent and to expect up to 10 days.
I called last night, XX/XX/XXXX, to find out the status of transfer. I spoke with a supervisor, XXXX in Ohio. He said they could see it had processed on XX/XX/XXXX. Wasn't sure why it was taking so long. He couldn't tell me if they sent it by ACH or paper check. I asked him to look into it. He said there was no way to tell and shrugged it off. I asked him to escalate it. He said there was no one there to talk to above him, I would have to wait and they would call me back. I asked if he could trace where the money was. He refused to do anything and said legally they couldn't take action until 8 days after " processing '' the check. This meant Saturday, XX/XX/XXXX.
Today, XX/XX/XXXX, which is the 10th day since I applied, I received a phone call in the afternoon from XXXX in Ohio, who said he was a supervisor over XXXX in Ohio. He apologized, but repeated that they had no way of knowing whether a paper check was sent or ACH. I asked him to look again. He said there was nothing he could do. He said I would have to wait till Saturday, 12 days after I applied. I pointed out that their accounting people would be home on Saturday and unable to do anything to help me. He said they were there 24/7 and I could call the main number for Discover and ask for Billing on Saturday. He said if they had to restart the process, it could be another 7 - 10 days. I said unacceptable. He seemed pretty nonchalant about it. I said put yourself in my shoes. He repeated that legally they couldn't start anything to trace the check until 8 days had passed from the processing date.
I spoke to my credit union several times. They have repeatedly told me they have no indication of a balance transfer from Discover. They are set up for ACH so I'm getting quite unnerved about how long this is taking.
I feel like Discover is being deceptive. It seems like somebody is floating money and not taking responsibility for it. I am paying interest on my credit union account ( that was supposed to be paid off with the balance transfer ). I am simultaneously paying interest to Discover, whose employees seem to not know or not care about the location of my balance transfer funds ; no one can tell me how the funds were sent. The balance transfer is plainly showing on my Discover account, accruing interest. Where is the money? The staff at Discover repeat a series of scripted answers when I call. No one offers any solutions. Just the attitude of wait another week. I'm frustrated with this process and I'm going into day 11 now with no answers.
Company Response: Closed with explanation
2019-04-25
Avon, IN
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
2019-04-25
Irvine, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-04-25
Bohemia, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-04-25
Saint Clairsville, 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
2019-04-25
Jacksonville, 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
2019-04-25
NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Closed with non-monetary relief
2019-04-24
Danville, KY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2019-04-24
Montclair, NJ
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
2019-04-24
Guadalupe, AZ
Managing an account
Checking or savings account: Other banking product or service
Banking errors
Company Response: Closed with explanation