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 66
2019-03-18
Birmingham, AL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: I started an application process on XXXX for a secured discover card, during the process i notified them i had to stop the application due to a family emergency i was notified of during the process and the agent assured me it would not proceed. I informed them that the funds needed to open the account also would not be available as i would need it to take the emergency trip to Montana. I later learned that they did not stop the application and tried to take the funds from my bank over drafting me on XXXX. On the statement they sent shows the account was open on XXXX XXXX without any secured funds or my permission to proceed and closed on XXXX, i have the statement they have sent me but on my credit report it shows opened on XXXX and closed on XXXX, all of this also resulting in dropping my score over XXXX points. They also sent e a statement as if I had an account and a card i never received a card, I sent all of these documents to your department dated XXXX, I have never received a response and Discover refuses to look at all the contradicting dates and resolve this issue. I have been writing them and all credit bureaus and no one will look at the dates. Please help
Company Response: Closed with explanation
2019-03-18
Cheverly, MD
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
Complaint: I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation
2019-03-18
IN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Discover said they were going to lower my interest rate. However, Discover charged me 18.49 % on purchases for XX/XX/XXXX and prior and charged an additional 14.49 % on purchases made on XX/XX/XXXX and after. This resulted in me paying 32.98 % in interest monthly. The interest rate a month was {$270.00} and my minimum payment was {$390.00}. However, I paid them $ 500-700 a month. Even when I paid off the entire balance they tried to charge me {$36.00} in interest on a {$27.00} balance that was on the card for two days.They told me my interest accrued daily and there was no grace period when charging a purchase. When I complained to the company they said we will give you a {$270.00} credit on the account for an account that was opened in XX/XX/XXXX with an excellent payment history. Subsequently, I have paid off this account and closed it. I feel that they was cheating me and other consumers.
Company Response: Closed with explanation
2019-03-18
Brooklyn, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Overcharged for something you did purchase with the card
Company Response: Closed with non-monetary relief
2019-03-18
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
Company Response: Closed with non-monetary relief
2019-03-18
Mc Allen, TX
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
2019-03-18
Staten Island, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: To Whom It May Concern, Back In XX/XX/ 2019 I had a late fee from Discover Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called Discover again which they assured me it would be removed. From looking at my credit report it appears it was never removed.
Company Response: Closed with explanation
2019-03-17
St Heights, MI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-17
Colts Neck, 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: On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.
Company Response: Closed with explanation
2019-03-17
Warrenton, VA
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: While XXXX I provided someone with POA, this person opened numerous accounts to include XXXX, XXXX XXXX, XXXX, and Discover to name a few. I have provided all of these companies with the original power of attorney, the notarized statement from the individual admitting to opening these accounts, which list these companies by name. I have also put Discover in direct communication with senior military personnel located at the Pentagon to validate I was out of the country at the time since I am legally unable to provide a copy of the title 50 orders. XXXX XXXX, and the XXXX both conducted investigations and was able to completely remove the accounts. XXXX is requesting a police report, and Discover is now saying that because the card was used, it is deemed valid.
DISCOVER, has previously claimed to conduct investigations which consist of : Obtaining XXXX XXXX via the XXXX website ( Which does NOT provide Title 50 orders. However senior officials validated the dates of overseas service ) : Retrieving online application data, : Reviewing financial transactions on numerous occasions, Discover has deemed this account valid despite all the provided documentation. Not once during the investigation was I contacted to obtain additional information, had I not asked one of the females, what information do they deem insufficient I would have never known they were looking to validate XXXX history, which I was able to offer them. The lack of communication throughout an investigation that impacts my security clearance is troubling. Why am I not made aware of what information is needed from me to prove my innocence? Why is the notarized confession being overlooked? Why is Discover unable to retrieve credit card signature, surveillance footage from one of the businesses during the point of sale like XXXX XXXX to validate I was not the individual using the card. I will NOT STOP requesting this matter be properly investigated.
Company Response: Closed with non-monetary relief
2019-03-17
Nyc, NY
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I am on an automatic payment plan with my lender, Discover Student Loans. When I tried to use the same payment account that I use every month for the automatic payment to pay an additional {$2000.00} towards my principal the lender was unable to process the payment and reversed the payment without notification. I have also previously used this account to pay one-time payments without issue. Discover Financial ( the lender ) claimed that my bank was unable to locate my account. Upon confronting my bank, XXXX XXXX, they confirmed that Discover Student Loans did not event try to process the payment.
This is one, in a long list, of times that Discover Student Loans tried to avoid additional payments towards my principal so as to protect the expected interest payments on the loan. To date I have still been unable to pay the additional {$2000.00} I would like to pay towards my principal. I want Discover Student Loans to accept additional payments as is there contractual obligation under the loan terms.
Company Response: Closed with explanation
2019-03-17
AZ
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
Complaint: In XX/XX/2018 I contacted Discover Card to ask for assistance in lowering my payments.
At that point I owed {$5800.00}. and was being charged 18.99 % interest.
They told me they could offer me at lower rate of 16.99 % for one year, there was no mention verbally or in writing that at the end of that period I could not apply for additional help.Under the program I am paying {$110.00} a month of which {$30.00} goes to the principal and the rest is interest.
I started writing, calling and emailing Discover in XX/XX/2018 advising them that effective at the end of this temporary program I would no longer be able to make full payments. I stated that due to age ( XXXX ), health ( XXXX and XXXX XXXX XXXX ) and my income based on Social Security I will never pay this loan off as currently outlined.
Here is a list of Discover personnel I have corresponded with : XXXX XXXX, Manager, Executive Office of Customer Advocacy XXXX XXXX, Same office as above XXXX XXXX, Same as aboe XXXX XXXX, Executive Office of Discover XXXX XXXX, CEO/President of Discover all are located at XXXX XXXX XXXX XXXX, XXXX, De XXXX All of the above advised that I was notified on XX/XX/2018 that I would not be eligible for a new program for at least one year. I had advised them that I was never advised of this provision. XX/XX/2018 was seven months after I entered the program.
Discover is not willing to reduce the interest rate or set reasonable payments on my account. I have attempted in good faith to deal with this problem to no avail.
Company Response: Closed with explanation
2019-03-16
Jolly Acres, SD
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 non-monetary relief
2019-03-15
TX
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: MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???
Company Response: Closed with explanation
2019-03-15
Alachua, 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
2019-03-15
Atl, GA
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
Company Response: Closed with explanation
2019-03-15
Magnolia, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Company Response: Closed with explanation
2019-03-15
Seal Beach, 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
2019-03-14
Menifee, CA
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
2019-03-14
Orion Twp, MI
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: Back in XX/XX/2018 I believe it was I was scammed by a woman online who made it come off as I was her than boyfriend, however, I later discover after she got a hold of my discover card login information that she went to try & clear the balance and each time after about a week or so the payments where all returned, I tried to speak to a number of discover card customer service reps and was told by one I was scammed by what called a girlfriend scam however, they where not willing to do anything. I not believe Discover card would not even freeze the account or call me and ask me what is happening I mean this happened like over like two or so months & yet Discover never once said this looks out of place or anything to cause them to contact me other than asking me for payments or when I can make a payment to the account, granted I was at fault as well for falling for such a scam, however Discover didn't do XXXX XXXX $ anything to step in when they saw payments where returned and asking what is going on or freeze the account when they noticed payments where return. I don't know about anybody or anyone else but if I would have noticed this faster myself I would have never used the card any longer & would have done everything to fix this. I am angry and upset at Discover card for failing me when they could have surely protected me when I could have used it most at the time, but instead, they sit there and did nothing. I was a brand new customer of their 's and this is the thanks I get, I mean discover card now put my account in collections and just wants there money, I am beyond upset and angry about what happened and needless to say more hurt because nothing was ever done to help protect me as customer. I am not disputing the fact I should have known better, but I feel discover could have done something to step in when they saw one returned payment and ask me what is going on instead of not doing a XXXX thing. Now my balance is over {$3500.00} & growing, this is crazy more so when I feel if discover card could have helped me out and saved me from more problems instead they didn't do anything at all. I don't quite understand how any credit card company can just sit back and do nothing more so when a person becomes scams like I was by some person online who doesn't care who she / he hurts.
Company Response: Closed with explanation
2019-03-14
Glendale, AZ
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-03-14
Duwamish, WA
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 non-monetary relief
2019-03-14
Three Oaks, MI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Closed with explanation
2019-03-13
Rockwell, NC
Struggling to repay your loan
Student loan: Private student loan
Problem lowering your monthly payments
Complaint: Dear Discover Student Loans Leadership Team, While I walked during my recent XXXX ceremony, I still needed 6 more credits to complete my XXXX XXXX in XXXX XXXX XXXX XXXX with a minor in XXXX XXXX XXXX XXXX with a focus in XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX University. I do not list the whole position to gloat or brag but rather to show pride in what I studied and the complexities of my accomplishment. Discover Student Loans has played a big part in helping with my accomplishments via private student loans. That being said, when I walked I informed you all that I needed two more classes to finish up my degree. As soon as my grace period ended I was bombarded with phone calls. Now I have no issue with paying what I owe but I was still searching for a job while working and trying to enroll in the two classes I need to graduate. From there it became a nightmare.
Since my grace period ended I have spoken with twenty-nine individuals and most assured me that my problem would be fixed and I would go back into student deferment. Each person who called would start by saying I had a balance of X that needed to be paid by Y as if the current caller never spoke with the previous individual or even looked up my history/information. I was taking four credits with a XXXX XXXX college and two with a third party organization, and have provided all the documentation as instructed by each individual caller. Still, today is the issue has not been corrected and each time I spoke with someone new they would assure me it was fixed, then I would receive another phone call from a different person and I would have to start over. Not only did you not put me back into deferment, but you made sure that the process worked against me every step of the way. Here is what I have been through since XX/XX/XXXX : 1. Received Call XXXX XXXXXXXX informing me my payment is due.
2. XXXX XXXX in XXXX XXXX XXXX who after not really understanding referred me to someone else.
3. XXXX XXXX Service department who did his best to inform me how to get my student deferment but wasnt much help in the long run.
4. XXXX XXXX XXXX XXXX ( Repayment Department ) who guaranteed me that my problem would be fixed as long as I registered half-time by XX/XX/XXXX. He told me to call and they would put me into deferment or XXXX XXXX. Did not speak of needing to have a specific amount of credits.
5. Called XXXX XXXX ( transfers me to repayment ), XX/XX/XXXX ( 6:45 pm ) who tells me to upload second class for proof of enrollment and there will be no further issues.
6. XXXX XXXX XXXX XXXX, XX/XX/XXXX, approx. 9:15 am. I am in the process of uploading proof of enrollment. Says proof of enrollment not good enough.
7. XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. Transfers me to the service department because she could not help.
8. XXXX ( Service Department ) XXXX XXXX, XX/XX/XXXX. Tells me my original proof of enrollment was not accepted but the new one I provided would certainly work and apologizes for the previous callers but my problem should be fixed now. ( Never Was ).
9. XXXX Tells me my second proof of enrollment will not work and all she could offer is forbearance and my days are running out.
10. XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. Very nice and helpful and suggest going through my XXXX college and having them declare me as part-time with the third party organization.
11. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. After calling XXXX XXXX XXXX they let me know that they have declared me as half-time through XXXX and XXXX tells me to wait a week possibly Thursday to have it processed.
12. XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX - She lets me know that the last time my school contacted them was the XX/XX/XXXX and they have not heard back since.
13. XXXX XX/XX/XXXX who sent me to a specialist ( XXXX ).
14. XXXX XX/XX/XXXX, I take time out to explain my whole situation to XXXX and she apologizes of course but then says that I may go into forbearance if I can pay off the delinquency that should not even exist. She told me they will not hear back from XXXX XXXX for XXXX XXXX XXXX until the XXXX of XXXX.
15. XXXX XX/XX/XXXX, looks over my account and restates the same process that I have gone through with the other representatives. My information is already in the system and ultimately recommends forbearance 16. XXXX XX/XX/XXXX Sends me to Specialist in Repayment 17. XXXX XX/XX/XXXX, spend 30 minutes of discussion catching her up on my situation and then she tells me she can not help me and sends me to another specialist 18. XXXX XX/XX/XXXX, after debating options, we decide on 3 months of forbearance while student deferment issue is worked on.
19. XXXX XX/XX/XXXX, talks about other payment plans that are relatively similar to the current monthly rate. ( Still awaiting student deferment ).
20. XXXX XX/XX/XXXX, checking in on Student Deferment status.
21. XXXX Tells me to try and get a signed status report from Dean of XXXX.
22. XXXX Calls about payment I tell him my status.
23. XXXX XX/XX/XXXX, talks about new paperwork that needs to be sent in ( student deferment request form.
24. XXXX Talks about deferment through school database.
25. XXXX XX/XX/XXXX, calling about payments and paperwork sent in.
26. XXXX XX/XX/XXXX, I call about my paperwork. XXXX states my information is still not showing in the database.
27. XXXX XX/XX/XXXX, I call about my documentation still not being seen and stress about credit score issues. He states I can send in a letter from the Dean, Transcript, or some documentation showing half time for a retroactive student deferment.
28. XX/XX/XXXX talked about going back to look at previous documentation. Pushes back office confirmation and then sends me to the forbearance team to give me what sounds like temporary forbearance until this situation is figured out.
29. XXXX XX/XX/XXXX ( Manager in Accounting ) speak briefly and sends me over to senior accountant.
30. XXXX XX/XX/XXXX, originally tells me I am not allowed to have retroactive student deferment because I am not in school. Then tells me I was given an administrative forbearance instead. He states that I only have 6 months of forbearance at a time and I have used all of mine this year ( even though it has only been three months ) he says my other three months were a grace period extension given last year. When I asked why a grace period is factored into forbearance he did not have an answer. He gives me multiple payment options all above {$1000.00} a month. The national average salary of new college graduates is {$33000.00}. A {$1200.00} a month payment would put a student at {$14000.00} annual payment making them owe 44 % of their annual salary. You are now slating college graduates with bachelors degrees to potentially make {$18000.00} ( who land on the median ) annually which is only {$2000.00} above the XXXX XXXX XXXX in XXXX XXXX for a family of two, Under the poverty line for a family of three. This all being said with having a higher education.
Something is wrong with the system and I feel taken advantage of. I have been working tirelessly with your biased system to get you to acknowledge that I was still enrolled in two courses totaling 6 credits and she has gotten a deferment for that time period. However, you have been giving me the runaround for months in hopes of putting me, and my co-signers, in default. Your process is structured to the demise of the borrowers. As I stated earlier, I have spoken to 29 people, all who told me something different giving me the impressions I was all set. Then I would get another call and I would go through the same process and receive the same assurances. With each call and derailment, the clock kept on ticking on the loan, although I was told that this was not the case. You set your borrowers up for failure by giving them erroneous information coupled with a customer-disabling process. You are trying my hands so that instead of deferment due to my continued classwork, I go into forbearance with drives higher interest rates and premiums. Your process is staged to give you an unfair financial advantage. You also offer loan consolidation but you also make that process impossible. I think my biggest issue is that I do want to pay back what I owe, that is just the nature of who I am. With time comes growth and with growth comes wealth but your rates are set up for those with established privilege. I want to start paying but your lack of income-based payments, or a consolidation loan that considers income growth potential, cripples your borrowers ability to live a quality life and cripples the economy in the process. Also, refusing to receive even fractional payments make your repayment plans impossible for most.
You identify co-signers as co-signers during the application process and use the students ( borrowers ) credit score to increase the repayment amount. Co-signers credit scores are not considered during the application process, however, co-signers then become co-borrowers when its time to repay the loan. Discover representatives often started the conversation by referring to my co-signers and telling me to ask them to pay because they are equally liable. If they are equally liable, why wasnt their credit scores considered when assigning interest rates? I write to you today in hopes that maybe you are unaware of what this process is doing and can help pave the way for students to pay back what they owe in a way that will contribute to their livelihood and therefore the well-being of the economy and sustainability of the success of the country.
Company Response: Closed with explanation
2019-03-13
Washington, DC
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