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 93
2018-11-05
CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I purchased Ca home at XXXX XXXX XXXX XXXX CA XXXX for {$290000.00} all cash, adding {$10000.00} in improvements. I became I'll last three years documented on XXXX. I used credit cards during illness to provide for myself. I was a legal assistant 15 years and widow. I am XXXX. Thru mail I received Discover ( same logo as my long time Card ) letter of notification for home equity loan, citing excellent payment with discover card and my home equity. Citing these two issues.
AppliedXX/XX/XXXX, XX/XX/XXXX received rejection letter. I'm a XXXX XXXX cyberhacking victim. Fake " charge off " planted XX/XX/XXXX..reason for refusal. Item removed two weeks ago..
Called Discover..said " your 7 years prompt on time payments, paying off debts, does not count only credit score and your balance on Discover card is too high. Fake Credit checks on XXXX monthly from discover mortage and I don't have mortage. It is driving up cost to borrow on Discover. They said they are separate companies yet with same logo.
Loan quote was a payment of {$680.00} a month {$35000.00} equity. Double what flyer said What hurt my credit was discover and they are lying in mailings.
Representative said " alleged fake items in credit check. '' I said they were removed.
Company Response: Closed with non-monetary relief
2018-11-05
SD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Company Response: Closed with explanation
2018-11-05
Centennial, CO
Incorrect information on your report
Checking or savings account: Other banking product or service
Information belongs to someone else
Company Response: Closed with explanation
2018-11-05
Houston, TX
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
2018-11-05
York, NE
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: This formal complaint is registered with the Consumer Financial Protection Bureau ( CFPB ) as a precautionary measure regarding Discover Card account ending in XXXX. Discover Card was informed ( in CFPB Case No : XXXX and XXXX ) on XX/XX/XXXX that consumer ( XXXX XXXX XXXX ) is XXXX-years old, head-of-household, indigent and has no attachable property of value. Consumers sole income is Social Security income ONLY. Consumers family requested an investigative process once they became aware of dunning letters regarding Discover Card account ending in XXXX. The estate of consumer XXXX XXXX XXXX finds it imperative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) when responding to a notification letter from the law firm of XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. Consumers estate is responding within the 30-day timeline referenced in the letter. A Discover Card representative ( XXXX XXXX Senior Associate, Executive Office of Customer Advocacy ) placed consumers Discover Card account with the law firm of XXXX XXXX XXXX in retaliation to receiving consumers complaints through the CFPB. Mr. XXXX actions will be dealt with accordingly due to the fact Mr. XXXX attempted to lure consumer into a conflict of interest scenario by advising consumer to contact his office as well as the law firm of XXXX XXXX XXXX simultaneously. Mr. XXXX has no authority to advise consumer of anything.
Consumers estate filed CFPB complaints against Discover Card ( Case Nos. : XXXX and XXXX ) on XX/XX/XXXX and made known that consumers bank account was compromised and that an investigative process was in effect. Consumers estate informed Discover Card that card charges were suspect and were not charges made by consumer. Consumers estate asked that Discover Card implement an investigative process and respond to the complaints through the CFPB portal. In the second half of this complaint Discover Card response ( dated XX/XX/XXXX ) has been added to this documentation. Consumer has chosen the Consumer Financial Protection Bureau ( CFPB ) to respond to a XXXX XXXX XXXX notification letter ( dated XX/XX/XXXX ) as a form of evidentiary documentation in lieu of litigation. It is a known fact that the law firm of XXXX XXXX XXXX XXXX. ; engage in predatory, abusive, harassing, deceptive and unfair debt collection practices regularly. Consumer 's estate does not want to see consumer suffer these tactics implemented by the law firm of XXXX XXXX XXXX. Please Note : XXXX XXXX vs. XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX . ; whereby a federal magistrate Judge ruled in favor of the consumer and sanctioned the law firm for unlawful garnishment of a federally protected income account after receiving formal ( written ) notification of protected funds. Garnishment of Social Security funds from a bank account after collector is on notice that the bank account ONLY contains exempt funds can be an unfair debt collection violation with extensive ramifications. XXXX XXXX XXXX are on notice that consumers bank account contains exempt Social Security funds ( ONLY ) protected under the FDCPA. See 15 U.S.C. 1692f. Therefore, the estate of XXXX XXXX XXXX is prepared to do battle with the law firm of XXXX XXXX XXXX, XXXX. if they engage in old habits of ignoring federal ( and state ) laws regarding the Rights of Consumers under the protection of the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a )., the Nebraska Supreme Court ( Nebraska Revised Statute Section 25-1563.01 ) ; Nebraska Attorney Generals Office ( AG ) and the Fair Debt Collection Practices Act ( FDCPA ) .15 U.S.C. 1692 ( e ).
The estate of consumer ( XXXX XXXX XXXX ) notified Discover Card ( through the CFPB XX/XX/XXXX ) that consumer is XXXX-years old, head-of-household and has no attachable property of value. Consumers sole income is Social Security income protected under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a Social Security Award letter that is proof positive verification of consumers sole protected income. The estate repeats this information because the law firm of XXXX XXXX XXXX, XXXX. ; have been known to ignore the law and adopt their own agenda. Consumers estate made known to Discover Card that consumer is a victim of another individuals misuse of the Discover Card ending in XXXX. Consumer " disputes '' owing charges indicative of {$22000.00}. In XX/XX/XXXX, consumer XXXX XXXX XXXX was diagnosed with XXXX XXXX XXXX. Consumer 's XXXX status has progressively worsened in the last few years. Due to this fact, consumers credit cards were closed by consumers second eldest daughter ( XXXX ) in XX/XX/XXXX. Consumers youngest daughter ( XXXX XXXX ) has a substantial criminal history and is known to take advantage of consumer ( XXXX XXXX XXXX ) on a monetary, emotional and physical level daily. XXXX XXXX confiscated consumers Discover Card, re-opened it, and designated herself an Authorized User in XX/XX/XXXX. Consumer ( XXXX XXXX XXXX ) was XXXX XXXX of authorizing anyone as an authorized user of consumers Discover Card ( or any credit card ) in XX/XX/XXXX. Consumer has XXXX XXXX XXXX which has not improved since being diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. Consumers eldest daughter ( XXXX ) is presently petitioning the courts for guardian/conservator to oversee consumers financial and physical well-being after being notified of the Discover Card account. Based on Discover Cards admission ( in a written response to consumers CFPB complaint dated XX/XX/XXXX ) it is Discover Cards responsibility to seek retribution from XXXX XXXX who knowingly compromised consumers XXXX and financial vulnerability and did so maliciously and intentionally. If Discover Card chooses to excuse XXXX XXXX from all liability then that is Discover Cards loss and not the responsibility of consumer. Consumers estate will pursue this matter diligently and has reached out to the XXXX XXXX law firm in XXXX XXXX XXXX Iowa who is familiar with the antics of XXXX XXXX XXXX law firm and equipped to litigate this matter efficiently.
This is Discover Cards response to the CFPB complaint filed by consumers estate on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Discover card account ending in : XXXX Consumer Financial Protection Bureau Case Nos. : XXXX and XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are handled with priority, your letter has been referred to my attention within the Executive Office of Customer Advocacy at Discover. I regret to learn of your dissatisfaction with the correspondence you have received regarding the past due status of the above account. I have reviewed your account and would like to share the following. According to our records, XXXX XXXX was added as an Authorized User on your account on XX/XX/XXXX. As an Authorized User she had full buying privileges ; however she did not have a contractual liability and therefore she is not obligated for repayment of any balances created on the account. In an effort to notify you of the past due status of your account and offer repayment assistance, we provided you with notices regarding the status of your account. Your account charged off due to non-payment on XX/XX/XXXX. The balance on your account at time of charge off was {$22000.00}. Our records indicate, as of XX/XX/XXXX, we have taken the appropriate actions to prevent contact regarding the status of the above referenced account. Your account has been placed with XXXX XXXX XXXX, XXXX, XXXX. for further collection efforts on our behalf. Please contact XXXX XXXX XXXX, XXXX, XXXX. to discuss repayment arrangements on your account. They can be reached at ( XXXX ) XXXX. Thank you for allowing me to be of assistance, should you have any additional questions, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXX.-XXXX XXXX, ET. Sincerely, XXXX XXXX Senior Associate, Executive Office of Customer Advocacy This is an attempt to collect a debt ; any information obtained may be used for this purpose. CC : Consumer Financial Protection Bureau Furthermore, consumers sole income is Social Security income and protected under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) it states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this CFPB notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics routinely inflicted by the law firm of XXXX XXXX XXXX, XXXX. Consumer has no fiduciary or contractual obligation to a 'third party ' debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. Furthermore, a federal lawsuit will commence if consumers Social Security income is tampered with after receipt of this formal notice presented in the realms of the Consumer Financial Protection Bureau ( CFPB ). Consumer 's estate does not wish to enter into a dialog with the law firm of XXXX XXXX XXXX, XXXX. as they have heard horror stories regarding interaction with this dreadful law firm. Consumer 's estate wishes all communication with the law firm of XXXX XXXX XXXX remain within the confines of the CFPB portal. Consumer 's estate wishes to thank the Consumer Financial Protection Bureau ( CFPB ) for its mediation and documentation portal as well as all you do to protect the general public from unethical debt collectors. Thank you.
Company Response: Closed with explanation
2018-11-04
Bowie, MD
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
2018-11-04
Cleveland, OH
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
2018-11-04
Washington, DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2018-11-03
Las Vegas, NV
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
2018-11-03
Key Biscayne, 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: Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record.
Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter.
I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured.
Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter.
I look forward to hearing from you to resolve this in an expeditious and amicable manner.
Company Response: Closed with explanation
2018-11-03
Reeds, MO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Last XXXX I received a pre approval letter for a discover credit card I thought that I was applying for the one that they advertise all the time no annual fee cash back I applied and gave them all my info and never heard back from them so I figured that I wasn't approved and went on with my life until XX/XX/XXXX when they withdrew {$200.00} from my bank account I immediately called them and cancelled demanding my money back they claimed that it was too late and that I would receive the debit card in two weeks I already have a debit card through my bank so I went to my bank to despurt the charges and then called back discover to tell them and I. Was told that they would be cancelling my account. But because I had paid bills thinking that {$200.00} was there I ended up over drawing my account and got charged {$33.00} and now I'm in the negatives {$9.00} I need help.
Company Response: Closed with explanation
2018-11-02
Cumberland, RI
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Filed for bankruptcy
Company Response: Closed with explanation
2018-11-02
LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.
Company Response: Closed with explanation
2018-11-02
Cloverly, MD
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Closed with monetary relief
2018-11-02
Macclenny, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: To Whom It May Concern, To say I have been patient and tried to work this out through your normal customer service channels would be an understatement. A little background on my situation is I received credit back from purchases from a few stores and this caused my account to have a credit balance on it. Since I was no longer using this card for daily use, I requested Discover to send the excess balance to my checking account. I was quoted a turnaround of about 5-7 business days. That was on XX/XX/XXXX. It is now XX/XX/XXXX, a full 10 business days from the original request, and I am no closer to receiving what is rightfully mine!
I have been chatting with multiple customer service representatives, but the only response I get is to wait longer. I can not wait any longer because I needed these funds to pay my bills! It is absurd that you can take my money same day but can not give me the money back in a timely manner. I am past my point of patience and need this resolved immediately! This is a clearly violation of my rights as a consumer and feels very similar to unfair and/or deceptive business practices! Discover is taking away my right to use the funds that are rightfully mine in a timely manner and this is unacceptable.
Company Response: Closed with explanation
2018-11-02
Hempstead, NY
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Company Response: Closed with explanation
2018-11-02
Three Bridges, NJ
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
2018-11-02
Tulsa, OK
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
2018-11-02
Stuart, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Closed with explanation
2018-11-02
CO
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Complaint: Discover card has been calling my parents house ( three times a week ) for that past three weeks. I havent lived there in 25 years.
Company Response: Closed with explanation
2018-11-01
MI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.
Company Response: Closed with non-monetary relief
2018-11-01
NC
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.
Company Response: Closed with explanation
2018-11-01
Longwood, FL
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
2018-11-01
Scottsdale, AZ
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
2018-11-01
Bellaire, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I am writing to dispute the following information in my file.
Enclosed are copies of previous disputes and other documentation supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Company Response: Closed with explanation