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 92
2018-11-09
Gastonia, NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I was charged a payment protection fee by XXXX for the past 8 years ( XX/XX/XXXX ) totalling over {$1700.00}. This is a feature we never signed up for, needed, or even wanted. We have had auto payment on this account and not used it for 3 years, but due to the fees the balance has gone up considerably. I contacted discover XXXX XX/XX/XXXX, to find out what the fee was for and cancelled it. I asked to be mailed any documentation showing we signed up for this, but was told they don't have anything. They did cancel the service, but we still have to pay the old fees. After a quick XXXX search I found several people discussing the same problem and settlement in XX/XX/XXXX for this very same issue.
Company Response: Closed with monetary relief
2018-11-09
Arlington, TX
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Closed with non-monetary relief
2018-11-09
Niverville, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX ( validation information regarding the judgment ) which they never sent me.
Company Response: Closed with explanation
2018-11-09
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent.
In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Company Response: Closed with explanation
2018-11-09
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail.
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response: Closed with non-monetary relief
2018-11-08
Lomita, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2018-11-08
Chicago, IL
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card
Company Response: Closed with explanation
2018-11-08
PA
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: A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.
Company Response: Closed with non-monetary relief
2018-11-08
Gray, TN
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
2018-11-08
Washington, DC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with explanation
2018-11-08
Countryside, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2018-11-07
Dallas, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with non-monetary relief
2018-11-07
Denver, CO
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
2018-11-07
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
Complaint: Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.
Company Response: Closed with explanation
2018-11-07
Denver, CO
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
2018-11-07
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Closed with explanation
2018-11-07
Halyoke, MA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.
Company Response: Closed with non-monetary relief
2018-11-07
Bloomington, MN
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I have a personal loan through Discover Card. No early pay off fees, no penalties.
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity.
On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account.
XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!
Company Response: Closed with monetary relief
2018-11-06
Gainesville, FL
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Closed with explanation
2018-11-06
Fayetteville, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Company Response: Closed with explanation
2018-11-06
Grand View, ID
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
2018-11-06
NJ
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!
Company Response: Closed with explanation
2018-11-06
Philadelphia, PA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.
Company Response: Closed with explanation
2018-11-06
Rochester, WA
Dealing with your lender or servicer
Student loan: Private student loan
Keep getting calls about your loan
Complaint: For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks
Company Response: Closed with non-monetary relief
2018-11-06
IL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.
Company Response: Closed with explanation