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 62
2019-04-06
Bronx, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XXXX XXXX student Loans company and Discover Student Loans reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for Discover. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Company Response: Closed with explanation
2019-04-05
Manhattan, NY
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2019-04-05
Riverside, 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
Company Response: Closed with explanation
2019-04-05
Arco, CA
Wrong amount charged or received
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time.
( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue.
As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.
Company Response: Closed with explanation
2019-04-05
OH
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.
Company Response: Closed with explanation
2019-04-05
Shulerville, SC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: My brother XXXX called in and spoke with a XXXX whom shared my account balance and the fact that my account is an interest baring account rather than a XXXX percent interest account.
Company Response: Closed with explanation
2019-04-04
Holland, MI
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Personal information incorrect
Company Response: Closed with explanation
2019-04-04
Eldridge, MO
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Company Response: Closed with non-monetary relief
2019-04-04
San Antonio, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Company Response: Closed with explanation
2019-04-04
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
2019-04-04
Bronx, NY
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
2019-04-04
Round Rock, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you in a state where you do not live or did not sign for the debt
Complaint: I have requested complete proof of the alleged debt several times in the form of a signed and dated contracts in he Form of an Affidavit of Truth and Fact to demonstrate liability of the alleged debt on several occasions to no avail by certified Mail Signed and Dated by an Authorized Notary, Proof of claim over the last 36 months, Discover XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Company Response: Closed with explanation
2019-04-04
Succasunna, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports.
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them.
I uploaded photos of the signatures from the certified letters I sent to both XXXX and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.
Company Response: Closed with explanation
2019-04-03
Chapel Lakes, FL
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
2019-04-03
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
2019-04-03
PA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Collected or attempted to collect exempt funds
Complaint: I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.
Company Response: Closed with explanation
2019-04-03
Rncho Domingz, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I had my identity stolen and someone had used my information and opened up discover card and not paid Discover Account number XXXX XXXX Acct No XXXX
Company Response: Closed with explanation
2019-04-02
Azwell, WA
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
2019-04-02
Chestnut, NJ
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
2019-04-02
MO
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Three weeks ago I remitted a payment to Discover Card as tender, to pay my monthly credit card bill from my XXXX XXXX XXXX checking account for {$2000.00} dollars.I am accustomed to paying large payments with Discover Card, and I have never had a thirty day late payment since I've owned the card for over one year. I'm very responsible with credit, and out of 14 open credit lines, I had zero thirty day late payments on any of my accounts. Not even one! I had beautiful credit because I paid my bills on time every month. I had just deposited the funds at XXXX XXXX XXXX, and had more than enough funds to cover the payment.
XXXX XXXX XXXX coded my check wrong so the funds didn't go into my account on time. This was a banking area at XXXX XXXX XXXX. Because they put my check in the wrong way, the funds were not made available on time, and caused my discover card payment to bounce for {$2000.00} dollars. I put the money in the bank like I was supposed to and depended on the bank the do its job properly. I didn't know that the check had not cleared the bank. I put the money in there for that purpose. I got notification from Discover Card stating they had received payment for the {$2000.00} dollars, so I started using my card. a few days later, I was informed that my account had been closed, due to insufficient funds. Discover Card closed my account due to a bank area! I had this account over one year with no thirty day late payments on it.
Company Response: Closed with explanation
2019-04-02
Lawton, OK
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with monetary relief
2019-04-02
Bridgeport, CT
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I filed chapter XXXX bankruptcy on XX/XX/2019 and included Discover card into the debt on XX/XX/2019 discover debited {$130.00} from my account and shouldnt have because of the pending bankruptcy
Company Response: Closed with monetary relief
2019-04-02
Boston, MA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from Discover financial service. On XX/XX/2017 I discover the fraudulent account and contact Discover with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the XXXX part but good at writing or reading. Soon I discovered what happens, contact Discover financial services for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from Discover, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a XXXX XXXX making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.Discover have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Company Response: Closed with explanation
2019-04-02
Aloma, 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
2019-04-01
Milpitas, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Closed with explanation