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 76
2019-02-02
Cataldo, ID
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 purchased a hot tub from XXXX XXXX on their web site. On XX/XX/2018, I was charged {$2800.00} for the hot tub. On XX/XX/2018, I was charged again for the same amount of {$2800.00}. These charges were billed to my Discover card. I called Discover right away when I learned of this duplicate charge and they opened up a dispute case. They eventually closed the case in XXXX XXXX favor leaving me stuck with a double charge to my discover account. Since then I have reopened this dispute several times with the same outcome. Everyone I have spoke with at Discover customer service agrees that this is obviously a duplicate charge yet this remains unresolved almost a year later. Every bit of documentation proves the case in my favor and yet they still determine the charges to be valid. The documentation provided clearly states that I purchased and received 1 hot tub. My billing statement clearly shows I was billed twice for 1 product. I do not understand why they don't get it. Discover even said that the two charges both have the same unique transaction number that is attached to purchases. This case should have been resolved 10 months ago in my favor on that bit of information alone.
Company Response: Closed with non-monetary relief
2019-02-01
Salt Lake City, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I am a XXXX in college and have an issue regarding 2 hard inquiries on my XXXX account. The credit reporting service I use is XXXX XXXX and when analyzing my Credit health, two hard inquiries are still present, which is false information. I contacted Discover Bank ( where both inquires came from ) last year, and both inquiries were removed off of XXXX and XXXX.
XXXX First Inquiry : XX/XX/2017 Discover Bank Second Inquiry : XX/XX/2017 Discover Bank
Company Response: Closed with explanation
2019-02-01
Brentwood, TN
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Problem accessing account
Company Response: Closed with explanation
2019-02-01
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Problem lowering your monthly payments
Company Response: Closed with explanation
2019-02-01
Arco, 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 moved to XXXX on XX/XX/2015 Permanantly. But I had noticed that someone ( maybe my room mate ) had stolen my information and opened the credit card and used it.
I lived in XXXX and I was in XXXX for short period of time but I think that happened while I was in XXXX. Please remove it from my credit report.
XXXX Acct # XXXX
Company Response: Closed with explanation
2019-02-01
Santa Ysabel, 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
Complaint: Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only excuse is that the company didnt reply. Please help.
Company Response: Closed with non-monetary relief
2019-01-31
Cleveland, OH
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
2019-01-31
Enid, OK
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
Company Response: Closed with non-monetary relief
2019-01-31
Westminster, MD
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: I paid my loan bill which should have covered six months but then the loan services changed to a different handler and suddenly I was told I was behind. I then paid over 1200 dollars so I was ahead two more months. Suddenly I and my co-signer receiver received a note that within 30 days I would be in default for non payment. When I called Discover they told me they did not get my payment I immediately sent copy of the bill pay and proof it came out of my account. Then I received the following email below. ( 1 ) I called again on XX/XX/XXXX and was told they still could not find my payment. They asked for my bank statment and that I had to pay XXXX that evening or I would be in default. So despite my large payment and proof I had to pay even more. And I sent statement. I then got a second email today still not agreeing that I made a payment. And had to send more proof. I am turkey worried it will never be resolved.
1. Call us immediately at XXXX to bring your Discover Student Loans account into good standing. Your total amount past due is {$610.00}.
All of our previous attempts to resolve the delinquency on your account have failed. If you do not pay at least {$130.00} within the next 72 hours, your loan will default.
Past Due : Minimum Due : Loan 18 {$610.00} {$130.00} Total : {$610.00} {$130.00} We want to work with you, and may have additional payment options, but it is imperative that we hear from you today. Call us immediately at XXXX.
Our business hours are : XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) XX/XX/XXXX - XXXX XXXX. - XXXX XXXX. ( ET ) Please disregard this e-mail if you have already scheduled your payment.
Sincerely, XXXX XXXX Director of Operations Discover Student Loans Phone : XXXX This is an attempt to collect a debt and any information obtained may be used for that purpose.
2.Thank you for your recent correspondence to Discover. To ensure your concerns are properly addressed, your email has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover.
We appreciate you bringing your concerns regarding the payment you sent in the amount of {$1200.00} on XX/XX/XXXX through your bank. We would like to thank you for the payment you made on XX/XX/XXXX for {$140.00} to prevent the default of the loan number ending in XXXX. According to our records, you spoke with our repayment assistance department on XX/XX/XXXX, and was advised that in order to better help us locate the payment quickly, please provide the following information based on your payment method : Check : Please send a front and back copy of the cashed check or other documentation showing a check cleared your bank. If the check was converted to an electronic check, please include the payment amount, date the payment cleared you bank account, banks routing number, your bank account number and the check number sent to us.
Third Party Bill payment : Please contact the company that sent the payment and obtain a copy of the cashed check or report showing how your payment was processed. This is commonly referred to as a remittance payment processing system report ( RPPS ). Please note, a bank statement showing you made a payment is not enough information.
ACH / Wire : Please contact the bank that sent us the payment and obtain a tracer number typically 15-20 digits in length. You may also provide us with a remittance payment processing system report ( RPPS ).
For faster processing and greater security, you may upload the documents using the Secure Document Upload feature. Please log into your account at DiscoverStudenLoans.com, follow the link for Secure Document Upload in the top, right corner of the Account Summary screen, and follow the on-screen instructions. Acceptable file types are : .jpg, .tif, .pdf, .gif, .doc, .docx, .png , .bmp.
You may fax the documentation to XXXX or mail the documentation to the below address.
Discover Student Loans XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX We regret any dissatisfaction you may have experienced as a result of our attempts to contact you regarding the repayment of your loan via email. You may request to opt out of future emails by calling our repayment assistance department at XXXX.
Thank you for allowing me the opportunity to address your concerns. Should you have any further questions, please feel free to contact me at the telephone number below.
Sincerely, XXXX XXXX Executive Office of Customer Advocacy ( XXXX ) XXXX
Company Response: Closed with explanation
2019-01-31
Costa Mesa, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Discover credit card ...
I have good credit with discover, now late payment alway I time with all of my accounts and I have had a XXXX line of credit with discover and a XXXX blanance ... they sent me a notice just this morning XX/XX/XXXX that there are reduced my credit line to XXXX and closing my account in 30 days to witch is unelthilcle they are dosing this because Im XXXX XXXX my credit file was the same when I had open this account with discover nothing had changed and one account has been in disputed for over 40 years..and the Bk I had on file since XX/XX/XXXX .. and all of my credit cards were opened after that and now discover want to close my account for no good reasons other then not being XXXX
Company Response: Closed with explanation
2019-01-31
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
2019-01-31
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
2019-01-30
NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: Discover Card ( credit card company ) sent me a letter indicating that they were lowering my line of credit. This was based on a review of a credit report provided to them by XXXX. My credit FICO score with other agencies and credit card companies is quit high - plus XXXX and is currently at XXXX as reported by XXXX as of XX/XX/XXXX.
Discover Card listed my FICO score as XXXX and included " multiple delinquencies '' as a reason of lowering my line of credit with them. I have not missed a payment with Discover or any other CC company since XX/XX/XXXX!! I have requested that Discover PLEASE review this matter and consider re-establishing my credit to the previous status.
I have spoken and communicated via email with representatives at Discover.
A few have admit that there seems to be no reasoning behind the decrease in my credit line. They also can not see where a FICO score of XXXX was ever provided to them from XXXX exist, but do see it was included in the notification letter that was sent. I also checked my report directly with XXXX XXXX - there FICO score was well above a delinquent XXXX score.
I am just looking for some help to limit the damage that an erroneous credit line decrease can create. I've worked hard to establish a good and positive credit standing.
I'm not sure why Discover is unwilling to work with me to resolve this matter. I'm asking you there for some assistance.
Thank you for any help you can provide me in this matter, Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation
2019-01-30
Lawncrest, PA
Incorrect information on your report
Checking or savings account: Checking account
Information belongs to someone else
Company Response: Closed with explanation
2019-01-30
Des Peres, MO
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Closed with non-monetary relief
2019-01-30
Seligman, AZ
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
2019-01-30
Church Point, LA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?
Company Response: Closed with non-monetary relief
2019-01-30
Euclid, OH
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
Complaint: DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.
Company Response: Closed with explanation
2019-01-30
Greensboro, NC
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-01-30
Tampa, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Company Response: Closed with explanation
2019-01-30
Cocoa, 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 went to buy a phone on XXXX and they told me my card was not working the lady that work there used my card without permission i contacted XXXX more then 60 times and they refer to my credit card company my credit card company send me to XXXX. i contacted the police and they told me since they dont keep video past 30 days to contact my credit card company since its fraud. my credit card company Discover send me to XXXX. and the circle continues. i didn't get anything from XXXX i didn't authorized the cashier to used my credit card for her personal used. she not working with them anymore.
Company Response: Closed with non-monetary relief
2019-01-30
Sarasota, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.
Company Response: Closed with explanation
2019-01-30
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Closed with explanation
2019-01-28
PA
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 was delinquent when I was contacted by Discover in XX/XX/XXXX. I set up a payment plan with the understanding that this would bring my account current. I've made my payments as required since that date. I logged into my free FICO score in XX/XX/XXXX and was surprised to see I've been reported to the credit bureaus as delinquent every month since I entered the plan. I called Discover and asked them to explain and they said well you were still delinquent. I asked them if this was explicitly disclosed to me when I entered the plan they said no. They explained how the payments would work again but said they don't explicitly say we're going to keep reporting you to the credit agencies. I feel this is a deceptive and abusive collection practice. If I had known I would be reported to the credit agencies I would have found a way to bring myself current instead of enrolling in a program I thought was doing the same thing.
Company Response: Closed with non-monetary relief
2019-01-28
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