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 82
2019-01-01
MI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.
Company Response: Closed with explanation
2018-12-31
Glenmont, OH
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Company Response: Closed with explanation
2018-12-31
Riverside, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief
2018-12-31
Webster, NY
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
2018-12-30
Boulevard, NY
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
2018-12-29
Ramona, CA
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Old information reappears or never goes away
Complaint: Discover Card Still showing after bankruptcy, I have tried contacting Discover directly and used a credit fix company.
Company Response: Closed with explanation
2018-12-28
NC
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I have did a dispute in XXXX regarding Discover, and they said it wasn't a mistake. I know I was living in a shared residence with other people sharing a mail box that could have got their hands on sensitive information of mine.
In addition, I feel like I'm a victim of Identity Fraud, I know that I have to get a special number to file with. I would like this off my credit and I'm tired of arguing about this debt.
Company Response: Closed with non-monetary relief
2018-12-28
Edmond, OK
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-12-28
High Point, NC
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
2018-12-28
Seattle, WA
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: I was out of country for the entire month of XX/XX/XXXX. My Discover XXXX credit was used without my permission for an amount about {$1000.00}. The investigation with this company, however, is a very unpleasant experience. Three different investigations was opened as I requested and every time its outcome is so blurry about how they perform their works.
First of all, the investigation came out as my responsible for the fraud as of they could not reach me through the contact information on my profile. However, I did not get any email as they are appeared correctly on the account, and they said they called the number ( on the profile ) which is not mine, they talked to somebody over the phone through that number who seems to know me!!! And decided end the investigation after talked to somebody who is not me.
Second investigation ( after I called to follow up and provide them again the correct phone number ) they asked for additional proof that prove I was out of country in XXXX. I faxed over my passport and waited till they mailed me a letter with same decision. This time, I called and figured out, it because of my fax image was negligible to read. Well, ok, why did they not contact me or inform me so I can definitely fax the higher quality images? I called and WAS TOLD to fax it again so they can review. 2 more weeks passed by, nothing happened, called again and found out they did not put in another review as I did not say please open another review when I faxed the second copy. They also asked me did I file a police report when it happened. I did not when I found out back in XXXX after came back from XXXX.
Third investigation, same outcome. I responsible for my fraud as they determined. This time is another story. They figured out the new chip card was mailed to me in XX/XX/XXXX and was activated in XX/XX/XXXX, one and a half year later. However, I have never received it and not aware of new card. I've been using the previous card and they verified it by have me read out the code on the card that I have on hand. The fraud was made by the new card ( which I never seen ) and activated online through my account. Came up with the clue that somebody who is very close to me got the card and got a chance to get my account log in info ( after 18 months waiting ) to made the fraud. And because I did not file police report which is another option for them to review when they mention about it after our talk in XXXX so I, again, responsible for this fraud.
I did not report in XXXX because I did not know it is still significant to them for a 4 months late report.
However, I reported to police today and open another investigation with them.
I have a XXXX XXXX with an XXXX XXXX XXXX XXXX XXXX and not able to work full time and it just happened to me this year too. I have been a value customer to them for years and this is the first fraud ever happened to me. Thus the way everything get resolve is very disappointed.
Company Response: Closed with monetary relief
2018-12-28
Rochester, OH
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report.
Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX.
Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not.
Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.
Company Response: Closed with explanation
2018-12-28
Albuquerque, NM
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.
I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.
They can not help, and their description of how they are conducting their process seem deceptive at best.
Company Response: Closed with explanation
2018-12-27
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2018-12-27
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 monetary relief
2018-12-27
Scranton, PA
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
2018-12-26
Vermont, IL
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
2018-12-26
Marietta, GA
Incorrect information on your report
Checking or savings account: Checking account
Account information incorrect
Company Response: Closed with explanation
2018-12-26
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: To Whom it may concern, I currently hold a student loan with Discover Student loans.
I previously sent a compalint to CFPB, # XXXX.
Discover Student loans has not solved my problem but unfortunately it appears to you as a Closed case.
Discover did anwer, but their answer does not solve anything. I currently have the same problema, nothing has been solved.
I have been making monthly payments since I got the loan.
On XX/XX/2018, I decided to pay the full amount of the loan, USD {$20000.00}, I paid before my monthly due date and USD {$57.00} today, XXXX2018. Discover argued that due to the fact that it was a large amount of money and that its an international wire transfer, it would take more days than usual for the them to confirm reception of the funds. I sent proof that the payment was sent. Discover had me on 9 days delinquency status since they argued they had not received the funds.
Not only did they never answererd on received the money, they told me they sent it back, but never gave information of the datails of such wire transfer.
Ever since that day I have been calling and sending emails, but Discover has not solved my problem, which was actually caused by them.
As of today I was finally able to confirm with my XXXX XXXX XXXX, that they did receive the money back.
Had to call Discover, again, today, XX/XX/2018, to ask them to send me in written form, via my email, ALL the details that they need my wire transfer to have, that I will be sending Discover, AGAIN.
They did not give me an answer, I can not send the wire transfer again, without them confirming in written form ALL details that they need in order to recognize and confirm reception of the wire transfer, in order to avoid the same mistake they did the last time I sent the money.
I also need them to confirm the exact amount that is due, in order to fully pay off the complete loan.
I am also waiting on the confirmation of the USD {$100.00} credit they offered me, via phone and email.
When they sent back the money, they discounted USD {$25.00} for sending me back the money, charge which I will not accept since the problem was caused by them, I demand to be reimbursed with the USD {$25.00} wire transfer fee they charged.
My bank in XXXX XXXX, is going to charge me another USD {$25.00} for sending the money, via wire transfer back to Discover, again. For the same reason, I will not pay for this, I demand Discover to pay for this, via an additional credit they will give me.
As a reminder, all this problems have been caused by them, since XX/XX/2018, when I originally send them my wire transfer with ALL the details the told me they needed.
I need to know if any penalties should be applied to Discover for the time and money it is costing me to fix the problems they caused and actually be able to send the final payment and be done with the student loan I correctly have with them.
I speculate they are causing all this problems on purpose, in order to charge me more interests since the date of the final payment is being extended, on purpose, by them.
I would like to know if they can be penalized for this issue.
In summary : 1. I need Discover Student loans to send me via email, ALL the details my wire transfer to them, needs to have. Including the exact amount due.
2. I need Discover Student Loans to confirm the credit of USD {$100.00} they offered me, plus additional credits for the money it is costing me to send them the wire transfer again.
3. I would like to know if CFPB ( Consumer financial protection bureau ) can penalize Discover Student Loans for the all the money and time, Discover Student Loans is making loose.
Regards, XXXX XXXX
Company Response: Closed with monetary relief
2018-12-26
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
2018-12-26
Discovery Bay, 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: On XX/XX/XXXX a payment was made in the amount of {$570.00} to a merchant called XXXX XXXX XXXX XXXX. I purchased a 13 hour massage package that had no expiration date, which I had previously purchased several times before. On XX/XX/XXXX a dispute was filed with Discover Card regarding the abrupt closure of the company. All necessary steps were taken to provide proof that the merchant went out of business. I provided screenshots from other XXXX members regarding their similar situations, and I provided a copy of the Notice of Abandonment Civil Code Section 1951.3. On XX/XX/XXXX I was apparently sent a notice regarding the decision to favor the merchant. However, I do not recall receiving it so I found out today after looking through my statements and unable to find out any information from my current account on XX/XX/XXXX that it was ruled in the merchants favor because Discover was unable to dispute the charges.
Company Response: Closed with explanation
2018-12-26
Rochdale, NY
Problem with customer service
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2017 from Discover. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Company Response: Closed with explanation
2018-12-25
San Diego, CA
Struggling to repay your loan
Student loan: Private student loan
Can't get other flexible options for repaying your loan
Company Response: Closed with explanation
2018-12-25
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2018-12-25
Macon, GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Closed with explanation
2018-12-25
Euclid, OH
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.
Company Response: Closed with explanation