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 71
2019-02-26
Houston, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2019-02-26
Seattle, 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
2019-02-25
Jacksonville, FL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: An ACH debit came into the account ( XXXX ) which there were not enough funds to cover on XXXX XXXX, 2019. The payment was supposed to be returned unpaid but instead Discover pulled money from another one of my accounts as overdraft protection.The problem is I never setup nor agreed to overdraft protection.I asked Discover for proof such as a date that I signed up, a letter, or email confirmation and they were not able to locate any such documentation. I asked them to stop the transfer that was pending but they claimed they were unable to. This was an unauthorized transaction from my account as I never signed up for overdraft protection but all they said was I had to because they can't on there end. This caused other payments where the scheduled to come out to be in jeopardy.
Company Response: Closed with non-monetary relief
2019-02-25
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2019-02-25
Bicentennial, CA
Managing an account
Checking or savings account: Savings account
Cashing a check
Company Response: Closed with explanation
2019-02-25
Cascade, 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
Company Response: Closed with explanation
2019-02-25
Caro, MI
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 non-monetary relief
2019-02-24
Harsens Is, 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: I bought a watch on XXXX that was supposed to look like a XXXX but with no branding. It was supposed to be two watches. I received the package from some random country in the XXXX XXXX. It contained only ONE ( 1 ) watch, which was a poor, cheap, extremley bad XXXX branded replica watch. In the listing it stated a model for i guess a replica watch, which if you look up the model name " XXXX XXXX '' you can see it is a very high end, very authentic looking XXXX branded replica which i did not know til AFTER this whole ordeal. I provided all this proof that i only received one watch, a poor replica, even sent this comparison pictures of the products and discover still went against me.
ANYONE with two eyes and a brain can see these are NOT the same watches, i was duped, scammed, defrauded, any other word for a scam! These are NOT the same watches, i paid for a XXXX XXXX, either way i did not knowingly buy a replica watch. I ordered two and received one.
In the end, i filed a complaint with ebay, they voted in my favor and have the email but they banned me from ebay/paypal and while they told me i was refunded or would be refunded i never was. When i called them they proceeded to tell me they had issue in their system to refund my to my DISCOVER card and they themselves told me to dispute the charge and i would be refunded no problem.
CLEARLY these is a problem, the seller sent a letter to XXXX saying a " XXXX XXXX '' is not a replica XXXX when a simple XXXX search clearly shows it is, as well as the proof ive provided.
the seller one sent me ONE ( 1 ) watch when i ordered TWO ( 2 ) watches. So even if Discover were to want to scam me, i should only be charged 50 % of the total amount.
DISCOVER has been trying to scam me for months, i have provided undisputable proof of the charge not being valid and that i should be refunded in full. I provided email of ebay awarding my refund to my discover that DISCOVER themselves asked for, now they are ignoring it when for months thats what they requested. Now they are attempting to take money from me over a cheap, counterfeit XXXX. I will forward this complaint to XXXX themselves in hopes they take a stand against Discover since they are allowing customers to get scammed by the worst looking replica XXXX watch on the market, this is {$5.00} watch in a back alley and not the $ 500+ replica i was told i would even get when i did NOT know i was ordering a XXXX replica.
Company Response: Closed with explanation
2019-02-24
Randolph, MN
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again.
My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.
Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.
Company Response: Closed with explanation
2019-02-24
PA
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: My minor daughter is receiving solicitations from Discover, and I did not grant permission to do so. She is only XXXX years old. She does not have a credit card from Discover and this website does not give me an option for filing this complaint without selecting " Card Holder ''. She does not have, nor has, a Discover card.
Company Response: Closed with non-monetary relief
2019-02-24
Dexter Twp, MI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Closed with non-monetary relief
2019-02-24
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 have been in USA two times as XXXX student ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXXDuring first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXXSecond trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXXFrom XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about DISCOVER BANK account which was open ( according to XXXX credit report ) XXXX XXXX, XXXX with a credit limit {$4500.00} and current balance XXXX $ .I have never apply for Discover credit card/never received and never use ANY of Discover Bank credit cards. I physically lived in XXXX-it 's no way for me to used this card. I called Disvover fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.
Company Response: Closed with non-monetary relief
2019-02-24
San Antonio, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Discover continues to report a debt that is not mine and a result of identity theft.
Company Response: Closed with explanation
2019-02-24
Glendale, CO
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with non-monetary relief
2019-02-24
Lexington, 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
Company Response: Closed with explanation
2019-02-23
Joliet, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Closed with explanation
2019-02-23
Johnstown, PA
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
2019-02-23
Lehightn Bor0, 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
Company Response: Closed with explanation
2019-02-23
Briarwood, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2019-02-22
Five Points, NC
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.
Company Response: Closed with explanation
2019-02-22
Nyc, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment.
XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared.
XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company.
XX/XX/XXXX Discover credit card company locates payment internally.
XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing payment has been located and notifying customer payment was initially sent to an invalid account.
XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company.
XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX.
XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.
Company Response: Closed with explanation
2019-02-22
Jupiter, 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
Complaint: Ran a credit report via XXXX on XX/XX/XXXX as I have been working hard to repair my credit from past mistakes. While reviewing it, I came to realize that XXXX XXXX has been running soft inquiries on my credit NON STOP for the last two years. When I say non stop, it is not an exaggeration. Pretty much once a week for the last two years straight. I can not stress the next statement enough ... I have NEVER applied for any sort of credit with XXXX XXXX in my entire life. Not once. Not a credit card, business credit card, loan, ANYTHING.
I attempted to contact them for more information and to put a stop to it and got absolutely nowhere. Their outsourced customer service just repeatedly asked for my social security number AKA the last thing in the world I would be giving out over the phone in order to " look into it further ''. I offered just about any other piece of information to help them put an end to this until a supervisor at XXXX XXXX told me " we can't help you. Go file a complaint with the Credit Bureaus ''. So here I am ... and I'm furious.
Below is the exact information I found on the XXXX credit report I ran on XX/XX/XXXX under the " SOFT INQUIRIES '' section related to this issue ...
XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Again, at no point in my entire life did I apply for ANYTHING related to XXXX XXXX. Not once. Let alone 75+ times that they have performed these inquiries. This HAS TO BE STOPPED. I am attempting to repair my credit to secure my next car as well as purchase my first home in the next year. Things like this are going to be what holds me back and it's a joke.
There are additional erroneous soft inquiries on my credit that I have ABSOLUTELY NOTHING TO DO WITH. Those are listed below ...
XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX PO BOX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX BANK Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX BANK Inquired on XX/XX/XXXX and XX/XX/XXXX PO BOX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX There is plenty of activity on my credit report that is TRUE & ACCURATE but none of what I have copied and pasted above is true OR accurate! My credit score has SUFFERED as a direct result of all of these bogus inquiries and I want justice
Company Response: Closed with explanation
2019-02-22
Old Westfield, 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 non-monetary relief
2019-02-22
Caparra Heights, PR
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: On XXXX I noticed I have fraudulent charges to my discover card.
I called Discovered and notify. A month later I received a affidavit which I signed and return. On XX/XX/XXXX I received a letter thru the mail stating that the charges were mine and I need to pay.
I called this Discover and they told me that they have determining that the charges were mine and I was responsable for the payment. At this point in time they can not do anything.
I am a victim of Fraud and is in my credit report. I am not going to pay for charges that I not done.
Sun XX/XX/2018 Merchant name is XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2100.00} Sun XXXX XXXX, 2018 Merchant name is XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$99.00} I want these two charges to be remove of my account.
Company Response: Closed with non-monetary relief
2019-02-22
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation