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 59
2019-04-19
Okc, OK
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: Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 and XX/XX/2018 from XXXX XXXX XXXX I did not authorize this inquiry and don't recognize or have any relationship with discover. I Have a security freeze on all my credit report which require anyone to verify with me with me if anyone is attempting to use my Social security before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Company Response: Closed with non-monetary relief
2019-04-19
Detroit, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.
Company Response: Closed with non-monetary relief
2019-04-19
Detroit, MI
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Discover Credit Card currently lists a charged off account on all three of my credit bureaus in the amount of {$1900.00}. This account does not belong to me and should be immediately deleted. I am a victim of identity theft, please see FTC Report. I have attempted to contact Discover ; however, I have yet to receive a response.
Company Response: Closed with non-monetary relief
2019-04-19
Harsens Is, MI
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Through my financial institution 's bill pay, I mistakenly sent a Discover Credit Card payment to an old Discover Student Loans account that was paid off. This was made on XX/XX/19, and as of today I still have not received a refund. Discover Student Loans recognized the payment, and stated that someone from their accounting department would be contacting me. I've heard absolutely nothing. They were unable to move the payment to my Discover Card, and now seem unable to refund it back to me.
Company Response: Closed with non-monetary relief
2019-04-19
Atl, GA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-04-19
Newnan, GA
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Complaint: Discover we XX/XX/19 Discover Financial XX/XX/19 All credit inquiries
Company Response: Closed with explanation
2019-04-19
Carroll Valley, PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-04-18
Washington, DC
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
2019-04-18
Raymond, NH
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
2019-04-18
Drew, LA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Closed with explanation
2019-04-18
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have checked my credit report & notice they have been some accounts on my report that I had no idea of & do not recall applying for. I have contact these companies multiple time & even sent dispute letters to all 3 credit bureaus regarding this matter. I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies Company name : XXXX XXXX XXXX Date : XX/XX/2015
Company Response: Closed with non-monetary relief
2019-04-18
SC
Dealing with your lender or servicer
Student loan: Private student loan
Problem with customer service
Complaint: I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below.
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response.
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.
Company Response: Closed with explanation
2019-04-18
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: Dispute Update from customer Card ending in XXXX RE : Case Number : XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$42.00} Attention : Discover Card Account Member Services Discover Card Fraud Department I have spent countless hours describing to Discover card member services the details on this matter. On XX/XX/19, the last two Discover Card representatives ( XXXX @ Discover Card Delaware call center, XXXX @ Discover Card Utah call center ) spent well over an hour documenting my inputs on the matter. I will also share them with you below. I will also be notifying the Ohio State Attorney General, CFPB, and XXXX.
On XX/XX/19, I went into XXXX XXXX in XXXX and had XXXX as their sales representative / service provider for XXXX companies. I attempted to accomplish the following : 1. Terminate my unlimited grandfathered XXXX XXXX phone service.
2. Transfer my XXXX neighbor ( XXXX XXXX ) XXXX XXXX home phone account I had as a sub account under my former address to his own account. You can see this in the pdf file that XXXX provided.
3. Activate my XXXX XXXX Phone/Device as a month to month phone plan with a seperate XXXX Month to Month account ( totally separate company from parent XXXX XXXX ). NOTE, that # 1, # 2 and # 3 above ALL conflicted.
XXXX XXXX and their lack of ability to manage accounts as a 3rd party provider of XXXX services caused the following problems : 1. The new phone WOULD NOT function! The only functions it had were to dial *XXXX. Doing so went to XXXX XXXX, who has nothing to do with their sister office that provides month to month service. Like 2 different companies. The telephone number would not even work, as ONLY XXXX is all the phone would dial.
2. XXXX compromised my social secirity number. I spent two weeks straightening this out. They had my information and XXXX XXXX completely mixed up! Furthermore, they would not allow me to resolve because they had his social security number on MY account. I STILL AM RECEIVING EMAIL BILLS ADDRESSED TO XXXX. I may have to file a police report on this. Fortunately, a XXXX rep fixed this just prior to XXXX for me, and sent me a confirmation email on the matter.
3. I had 2 XXXX managers hang up on XXXX and I, and I honestly lost track of every time ( 5+ ) I thought I was finally talking to the right manager/supervisor, only to be told I had to call the other office.
4. I called XXXX XXXX and was told that I had a better chance of dealing directly with XXXX than they did. They apparently have 1 rep and usually takes at least one day for him or her to get back to them, per XXXX.
Bottomm line, this was not only less than one month worth of service for a partial refund, or me saying or complaining of bad service, this was a non working phone, NO SERVICE except for XXXX and to make matters final, while trying to work this out with XXXX , they terminated my service completely, cutting me off in mid conversation.
I insist that Discover Card come up with a plan to protect their customers. When I authorize a charge, and find it to be fradulent, defective, whether a partial or full refund, I expect it to be honored, without question. In this case I clearly had ZERO functional service.
As a retired military member that has served around the globe for over 26 years, I am frustrated at companies that find it easier to steal from customers rather than provide support. In this case, I find Discover Card more at fault than XXXX XXXX, XXXX Month to Month and XXXX XXXX.
Please ensure Discover Card does their duty to refund the money I paid for NO service. If there are future problems, let customers settle matters in the courts. Do not compromise my account, or use my funds where I clearly specify you have NO permission to do. REFUND THIS MONEY IMMEDIATELY!
/signed/ XXXX XXXX XXXX XXXX, XXXX CC : Ohio Attorney General CFPB XXXX
Company Response: Closed with explanation
2019-04-18
Glendale, CO
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem canceling credit monitoring or identify theft protection service
Complaint: Discover allowed an unauthorized person to get added to my account and charge over {$10000.00} worth of fraudulent charges.
Company Response: Closed with non-monetary relief
2019-04-18
PA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I am concerned that I am being targeted due to being a minority and my credit limit has been decreased without notice the second year in a row. I have not missed a payment with Discover and have been keeping my balance at 50 % usage for some time now. I attempted to use my card today and it was declined and when I checked my balance online my card limit has been not only reduced but caused the card to be over the limit. This action is not only unfair because of the harm it can do to the credit score but it was extremely embarrassing not to purchase items otherwise I would have been able to. I spoke with a representative on XX/XX/XXXX19 at XXXX in which I was told the department that would be of assistance opens at XXXX. I called back and spoke to the department that was told could be of assistance at XXXX and they informed be that the credit line was decreased and the notice is still in the mail. Unfortunately, they were not helpful in resolving an ongoing issue that I believe is directed towards minorities. Again, I have not missed a payment since I received the credit card and to be treated in this manner is completely unfair.
Company Response: Closed with explanation
2019-04-18
Glendale, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information belongs to someone else
Complaint: Discover allowed an identity thief to access my account for fraudulent charges during XX/XX/2016. The following transactions were never investigated, or credited back to my account even though I provided proof that they were not made by me.
XXXX. Date Post Date Description Amount XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX 'S # XXXX XXXX XXXX CO {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX CO {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX CO {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00}
Company Response: Closed with non-monetary relief
2019-04-17
Vienna, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-04-17
Falcon Heights, MN
Managing an account
Checking or savings account: Savings account
Problem accessing account
Company Response: Closed with explanation
2019-04-17
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX.
Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue.
I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever.
I DO NOT AND NEVER HAVE had two cards or two payments!
Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC!
The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life.
My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely.
All Credit reporting agencies continue to reduce my credit score.
There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX dollar company that appears not to care about people, the very reason they are in business in the first place!
XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!!
XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good
Company Response: Closed with non-monetary relief
2019-04-17
Oro Valley, AZ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with explanation
2019-04-17
Shadle Garland, WA
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2019-04-17
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
Company Response: Closed with explanation
2019-04-17
Las Vegas, NV
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
2019-04-16
Chicago, IL
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
2019-04-16
ME
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.
Company Response: Closed with explanation