DISCOVER BANK


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"Products" offered by DISCOVER BANK with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Other financial service - Debt settlement
Other financial service - Refund anticipation check
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - Gift or merchant card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 8118470

Date Received: 2024-01-07

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently

Company Response:

State: GA

Zip: 30328

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8118464

Date Received: 2024-01-07

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Discover entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX

Company Response:

State: NY

Zip: 11208

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8117989

Date Received: 2024-01-06

Issue: Credit monitoring or identity theft protection services

Subissue: Billing dispute for services

Consumer Complaint: I am victim of identity theft and discover card still ask me for responsibility to pay no matter what

Company Response:

State: WA

Zip: 99223

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8117653

Date Received: 2024-01-06

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for XXXX purpose.

Company Response:

State: TX

Zip: 751XX

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8117415

Date Received: 2024-01-06

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Unauthorized inquiry made on XX/XX/2023.

Company Response:

State: CA

Zip: 92555

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8117391

Date Received: 2024-01-06

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: On XX/XX/2024, an application for credit was done over the phone, reference number : XXXX. I provided an application, turned it into a promissory note, something of value. AND RECIPIENT DID NOT PROVIDE ANYTHING OF VALUE BACK TO ME. I made two phone calls with discover credit account services. TOLD ME THE CREDIT FACTORS DETERMINED CREDIT LINE. HOWEVER COLLATERAL HAS BEEN PROVIDED, equity is had been provided which means the account shouldve been approved and remedy of this is necessary. Both of them told me there was nothing they could do for me, the supervisor of the department told me she understood the validity of the claim, the value in my application, and the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor per their prospectus, I have provided a promissory note and that is a security which provides all collateral necessary for the opening of the open ended credit account.

Company Response:

State: NC

Zip: 28411

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8117283

Date Received: 2024-01-06

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I did not authorize anyone employed by this company to make any inquiries on my credit report.

Company Response:

State: CA

Zip: 92555

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8116195

Date Received: 2024-01-06

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to remove!

Company Response:

State: IL

Zip: 60659

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8115947

Date Received: 2024-01-06

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: Discover has confirmed the receipt of my payment of {$15000.00} from my complaint XXXX and XXXX and has refused payment which is against the law. Im requesting Discover to return the tender of payment or credit to my account for the {$15000.00}. Payment received is payment credited or discharged, Discover received and acknowledged receipt meaning according to UCC 3-603 If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. Discover received my tender and refused, as for the XXXX that was a form of payment in credits from the Internal Revenue Services and was accepted and sent to Discover, if the credits have been returned, please provide me with the IRS form used, according to the Internal Revenue Services to accept or decline the credits, a form has to be completed. Please provide the information sent to the IRS to accept or decline payment credits.

Company Response:

State: TX

Zip: 77044

Submitted Via: Web

Date Sent: 2024-01-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8115753

Date Received: 2024-01-05

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: I received a promotion from Discover through email stating that my account was targeted for a promotion and that if I deposited {$25000.00} in new funds into my account by XX/XX/XXXX and held them there through XX/XX/ that I would get a {$200.00} bonus on or before XX/XX/. On XX/XX/, I contacted Discover to verify that if I initiated a transfer that day I would qualify for the promotion and their representative said that I absolutely would get the bonus if I went through with the transfer. Knowing that, I went ahead and transferred {$25000.00} into my Discover account online through Discover 's website. I did not receive the bonus by XXXX, so I called Discover on XX/XX/. They initiated an internal dispute and then I received a letter dated XX/XX/ stating that I " did not meet the promotional criteria. '' It did not say why. I am very upset that Discover does not honor its own promotions, and that a representative told me my account was specifically targeted for this promotion. The only reason I transferred over {$25000.00} to Discover was to receive the promotion bonus. I was mislead and lied to! This was a bait & switch. I am very upset and I'm sure I'm not the only one. Financial institutions shouldn't be allowed to do this!

Company Response:

State: TX

Zip: 75219

Submitted Via: Web

Date Sent: 2024-01-05

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.