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 65
2019-03-22
Portland, OR
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
2019-03-22
Portland, OR
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
2019-03-22
Chandler, AZ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-03-21
Phoenix, AZ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I made a payment to Discover Card to pay my balance in full using XXXX XXXX bill pay service. I had deposited a large check, so XXXX XXXX put a 5-day hold on the funds ( other than for the bank to use my money, I don't understand the purpose of this ). The funds were to be available XX/XX/2019, so I scheduled payment to discover ( along with payments to all of my debts ) for that day. Discover received my payment early and deposited the post dated check which then bounced. My bank charged me {$38.00}.
Neither Discover nor XXXX XXXX will accept responsibility for this problem. I am out {$38.00} and I have a blemish on my payment record with Discover because my payment was late due to this check which should not have been deposited early and in turn should not have been accepted early. Discover blamed the problem on automation ; while XXXX XXXX blamed Discover.
Company Response: Closed with explanation
2019-03-21
Fort Lauderdale, FL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-03-21
MA
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: This account was opened as a result of ID Theft. Ive never applied or done business with Discover Financial Services. Ive disputed this account with all 3 major credit bureaus, as well as filed a formal complaint with the Federal Trade Commission.
Company Response: Closed with explanation
2019-03-21
MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XX/XX/XXXX : Divorced from my now ex-wife, she was ordered to close all joint accounts within 10 days of the decree being signed, and all accounts were paid from an escrow account through the lawyer. I have the statement showing the balance paid. I attempted to close the account with Discover Card and I was told I could not because I was only an authorized card holder.
XXXX : Discover Card associated the credit card with a new account number but my name remained on the account. ( I did not find this out until Discover Card sent me all of the credit card statements from XX/XX/XXXX to present ).
Summer XXXX : Realized that the Discover card account was never closed, my ex wife had continued to use the card ( against court order-proof in the decree ), and that she had then gone delinquent in payments in excess of 180 days. I attempted to call Discover Card to have the issue fixed and then was told that it was a joint account and I was responsible for the debt as well. This is in direct conflict to what I was told when I had attempted to close the card in XXXX. My ex wife had her lawyer draft a statement that she was solely responsible for the debts incurred after the original balance had been paid off, and all charges were without my knowledge or consent. I filed a complaint with Discover Card and all credit report agencies. The dispute showed up on my credit, even though Discover Card denied the dispute and kept the account history on my account. My credit score at least improved and the dispute showed up on my reports.
late XXXX : I received notification that my credit score dropped by over 100 points. Upon inspection of my credit report, it showed the dispute had been removed from my account. This is contrary to the letter I had received from Discover Card stating the dispute would remain on my report until I asked for its removal. I never authorized the removal of the dispute.
Early XXXX I sent a second dispute to Discover Card, again requesting that all account history from XX/XX/XXXX to present be removed from my credit report. I received no response even though I sent the letter via certified mail, and received confirmation that they signed for the package. What DID happen, was my ex wife 's name then became associated with my new address and we now receive her collection correspondence and credit card offers to our address. She has never lived here and her name should not be associated with my address in any way, shape, or form. I also only see the payment history for that account on all 3 credit report agencies from XX/XX/XXXX ( when I made the original dispute ) to present.
This continues to negatively affect my credit, having gone from a low-mid 700s to a low 600s. I hold a high security clearance and if I can not get this issue resolved, I could potentially lose my security clearance, and my job that it is associated with. Additionally, my wife and I are unable to buy a house, as my ex-wife has gone severely delinquent AGAIN on this account and not only is not paying, but the payments that are auto-paying are being returned. I have attempted several times to resolve this issue with Discover and they refuse or flat out ignore me.
I have included the same documentation I sent to Discover Card. The divorce decree, the lawyer letter, and the credit card statement.
Company Response: Closed with non-monetary relief
2019-03-21
Rawsonville, MI
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 BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX.
WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES.
WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI.
I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS.
AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Company Response: Closed with non-monetary relief
2019-03-20
San Diego, CA
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 monetary relief
2019-03-20
Cub Run, KY
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 purchase some parts off the internet through XXXX XXXX. I never received the parts. XXXX XXXX did nothing and told me to contact my card company. Before I made the purchase, in a recorded conversation, I asked my rep if I Pay and dont receive my item was I covered? She without hesitation said if I do not get what I pay for Discover will refund the item. Discover turned it into and XXXX issue that they say I sent the money and that its kver. The issue wasnt did I send the money? The issue is I was defrauded, which they said I was covered. Had they said no in our conversation then I would have never used XXXX, which I will never use again. I feel as though XXXX has bullied them into keeping my money and not protecting me, their client.
fraud /frd/Submit Learn to pronounce noun wrongful or criminal deception intended to result in financial or personal gain.
" he was convicted of fraud '' synonyms : fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement ; More a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.
" mediums exposed as tricksters and frauds '' synonyms : impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank ; More
Company Response: Closed with explanation
2019-03-20
Pacific City, OR
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: A company called XXXX XXXX with an employee named XXXX XXXX are attempting to collect a debt against myself which has exceeded the statutes of limitation, on an account from discover card that dates back to XXXX with the last transaction date of XXXX when I was living in Missouri. XXXX XXXX and the staff at XXXX XXXX have been using harassment tactics over the phone, to include screaming at me over the phone, refusing to provide legal documents of proof in writing of the debt, threatening tactics of lawsuits without actions or causes. I offered to make a settlement to stop the collection calls and because I have very little information on this account I would like more information in writing. XXXX XXXX then raised his voice and starting telling me that the offer I made was rude and starting telling how I should behave at which my heart started beating. I told him that the Statute of Limitations they were threatening to sue me over were exceeded ( they stated the last account activity was XXXX ) and had been exceeded. I then explained that I had just had XXXX and was not working and I was unable to pay the full settlement amount they were asking for of {$2000.00}. I asked if he could settle for a less amount to stop the collection calls and I was told no that they had decided to go ahead and take me to court because he could file a Tolling agreement. I asked on which date he was going to take me to court and he said the XXXX. I asked him on what month the XXXX and he told me to stop changing the subject and would not give me the date. He then said he was going to garnish my wages and get a lien/levy against my house. I asked him to send all of his correspondences in writing from now on and he stated that he would not send me anything in writing. He also stated that I had enough credit available to pay the alleged debt in full. I asked him if I could record the conversation because he was yelling at me and he said No that any lawyer in his right mind would not allow some one to record them. At the beginning of the conversation He did ask if I had an attorney present and I stated no that is when he raised his voice and started telling me about how I should act.
Company Response: Closed with explanation
2019-03-20
OH
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: I have a Discover Card which had a past due balance. I was notified that the account would be charged off it a payment was not made on the account in XXXX. Via their online chat, I was advised by a representative from Discover that If I made 1.5 payments I could get a credit for half a payment, thereby knocking my delinquency down by 2 cycles. I was told that if I made this payment by XXXX at the latest, the account would not charge off. Therefore, I scheduled the payment with the online representative. The payment successfully processed on XXXX.
In XXXX I was notified by Discover that the account had charged off. When I contacted them ( once again via online chat ) I was told that the account charged off on XX/XX/31 therefore my payment for XXXX did not reduce the delinquency. When I asked why their representative allowed me to schedule a payment for XXXX ( my payment is normally due on the first ), and assured me it would pay down my deliquency - I did not receive a sufficient response or an admission of guilt, only a repeating of the facts.
Discover is at fault in this situation because one of their representatives explicitly told me that my account would not charge off if a payment was processed on XXXX, and yet still charged off the account.
Further, I was unaware that the account was charged off and applied for an auto loan in XXXX. The adverse charge off mark on my report lead to a loan offer that was less than would it would have been if the account was not charged off.
Company Response: Closed with explanation
2019-03-20
San Diego, CA
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
Company Response: Closed with non-monetary relief
2019-03-20
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
2019-03-20
Las Vegas, NV
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I am trying to obtain copies of of my personal XXXX and XXXX Discover Card statements.
This is for IRS audit purposes. I owe the Discover card money and they have not responded to my requests. I have been left on hold for hrs or hung up on or transferred to a third party debt collector.
I have sent repeated request via certified mail.
No response.
Pleasae assist me in asking them for copies of XXXX and XXXX statements for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email XXXX XXXX XXXX
Company Response: Closed with non-monetary relief
2019-03-20
New Britain, CT
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Complaint: Discover Student Loans was unable to offer me a further repayment option when payments were made on time without issue but my financial situation was explained at several occasions. I have remaining forbearance on the loan and was denied access to forbearance to allow me time to get back on my feet. As a result I seemed consolidation with another agency and during that time of the company completing pay off Discover reported me to the credit bureau that has now effected my credit score. My financial situation was well documented and Discover would not accept any documentation nor allow me to continue to the lower repayment plan until I could get stable financially.
Company Response: Closed with explanation
2019-03-19
Jersey City, NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company forcing arbitration
Complaint: I was wrongfully terminate due to 6 surguries and infection XX/XX/2011.DATE OF accident INSURANCE CLAIM OF BENFITS TO CARD WAS FUARDED COURT judgrment Resold collection claim to modernity. Lawyer and proff of records i was fuared XXXX XXXX XXXX XXXX, Employment of benefits. Im told by my new lawyer now im better to requesting to discover copy of credit file and 3rd party listed 2 times address change records i didnt request change
Company Response: Closed with non-monetary relief
2019-03-19
Bellaire, TX
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: sent ftc violiotion its not mine
Company Response: Closed with explanation
2019-03-19
Boston, MA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I loss my job XX/XX/XXXX I contacted Discover card saying I am not working and can not keep my payments and being harrass every day with calls and letters and emails.I am. being sued to go to court
Company Response: Closed with explanation
2019-03-19
Rincon, NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Company Response: Closed with non-monetary relief
2019-03-19
CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Today i woke up to an account being on my XXXX report from discover. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to XXXX directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. XXXX says that as long as discover doesnt accept that my identity was stolen, then the charges stand. How is discover able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX XXXX and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a discover card since 1999
Company Response: Closed with explanation
2019-03-18
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
Complaint: I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.
Company Response: Closed with non-monetary relief
2019-03-18
Newnan, GA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I did not close the account. I've had a {$10000.00} LOC with Discover Card since XX/XX/XXXX. It's used every month and paid off every month, never a balance. On XX/XX/XXXX the account was closed.
They say it was closed at my request, the request was made by mail, they say.
That never happened and the run-around I've been getting since affects XXXX XXXX it's so bad.
As a note, the closure took place the same day I called in to Discover to arrange online access to my new, second card with Discover, a corporate card.
The Discover crew refused to provide a copy of the mysterious letter or any proof of anything at all.
I hope the good folks at the CFPB can get that from them.
I would dearly love to see the document they say exist but refuse to provide.
Lastly, if you dear reader find the occasion to fight this fight with Discover, know they have a technique of rambling and repeating themselves on the phone ; it's maddening. It will take at least an extra hour of your life that you will never get back.
Company Response: Closed with non-monetary relief
2019-03-18
NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 1 ) As of notice on XX/XX/XXXX, Discover Financial Services, XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX, was requested to reimburse me due to Discover 's breach of duty, errors, and misconducts for affirming fraudulent charges, interest and fees it permitted on the credit card.
2 ) OnXX/XX/XXXX, Discover admitted under perjury of law, disclosed a letter from XX/XX/XXXX, that they refused to correct and accept my notice of address update, this is a debt violation and a past due reimbursement to me for {$1000.00} with a marginal interest rate of 10 % for breach duty and rudeness.
3 ) Discover case number XXXX and XXXX XXXX XXXX Report XXXX under perjury of law has disclosed that on XX/XX/XXXX, it used fraudulent documentation/contracts, XXXX reports, and tie-in sale repair contracts, made-up of fabricated data and designs, and Discover Financial Services affirmed under perjury of law that the vehicle had no defects and federal ESS recalls. In facto, XXXX XXXX XXXX claims with me that it is a false and fabricated XXXX report. Next, XXXX XXXX XXXX defrauded me with a false Tie-in Sale contract which never or would provided coupon bookelts or repairs ever. Discover Financial Services ignored my documents from XXXX XXXX inXX/XX/XXXX and XX/XX/XXXXand my requests to continue the investigation and failed to due it duty, breach its credit card agreement, and proceeded to cover up its own internal errors and negligence.
4 ) Discover Financial Services disregarded the truth from me and XXXX XXXX XXXX. Discover 's permitted the lies and fraud to squash an investigation and closed the investigation on XX/XX/XXXX.
5 ) Consumer protection laws clearly state that the departments of motor vehicle and highway safety are concerned for the systems designed in protecting the vehicles occupants, as the seat belts and cooper tire safety cage. Hence, the fraudulent XXXX report used in Discover 's decision was invalid and a warranty is due from the seller as a promise that the vehicle is safe to operate and drive, and defects make a vehicle unsafe to operate or be driven, if it be seat belts and cooper tire cages, BE IT a new car sale, used car sale, or 'as is ' car sale due to property liability laws.
6 ) The Florida Department of Motor vehicle 's certified title records is proof that deception of odometer and title records existed and reasonably explains the Florida department of motor vehicle cancel and suspend of this auto dealer.
7 ) XX/XX/XXXX notice provided to Discover, the reason the Department of Motor vehicle had to suspend and cancel 'XXXX XXXX ', 'XXXX XXXX ', 'XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX ' d/b/a 'XXXX XXXX XXXX XXXX ' dealer license .
8 ) This is auto dealer fraud by way of misrepresentation and due to Discover Financial Services breach of duty and negligent misrepresentations on my credit report and credit scores this wrongful and heinous acts of fraud.
9 ) I have suffered and endured. I have been oppressed and haze by Discover credit card and it Financial Services Representatives.
10 ) Discover Financial Services knew or should have known that my documents, XXXX XXXX XXXX, publicly announced federal ESS recalls of seat belts, law enforcement title disclosure, and the department of motor vehicle were true.
11 ) I had two car accidents and suffered injuries, my loved ones were in this car, and citizens. I dislike Discover Financial Services reckless disregard for the truth and safety of citizens.
12 ) As of XX/XX/XXXX you have a past due debt of {$15000.00} with a marginal interest of 10 % applied that is due me, add-on this in-facto as of XX/XX/XXXX, these representatives made and caused debt violations, known as, and a one being, 'XXXX XXXX ', 'XXXX XXXX ' , and 'XXXX XXXX ' , using the title of Associates of Executive Office of Customer Advocacy for Discover Financial Services in XXXX , Illinois and/or XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX and/or XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX
13 ) I look forward to embarrassing Discover Financial Services with the federal subpoena records of its failed investigation and breach of duty regarding the violent acts of XXXX XXXX XXXX XXXX, known as FRAUD, stop your delay and refunding my money immediately.
Respectfully yours, XXXX XXXX XXXX and my loved ones
Company Response: Closed with explanation
2019-03-18
Charlotte, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX XXXX XXXX has reported two bank accounts to XXXX XXXX ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status.
I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX XXXX XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}.
At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.
Company Response: Closed with non-monetary relief