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: 8194647

Date Received: 2024-01-12

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: I asked for you to remove these accounts from my credit report and you instead updated them. I am at a loss right now, because I provided facts directly from my credit report that detail because they do not belong there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed immediately below them. In addition, I need to see where you are getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately. I don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you guys keep telling me that I am wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Delete the following fraudulent items from my credit report that I have reported to the FTC, CFPB and police department! I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every XXXX of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. I would like to see the paperwork that proves you did not simply use an electronic response system with the disputed creditors. I've done some research and have found that this can not possibly result in a true and independent investigation! How could it possibly when there are XXXX computers communicating the same information? You would obviously come back with a verified as accurate response when you are comparing the information you have against the information the creditor has because this info is directly from their records! Where are the documents that prove otherwise? What contracts, receipts, records, applications and other paperwork were used to determine the accuracy of my disputed accounts? Please send me this paperwork along with a detailed report that goes over how this investigation was done and irrefutable proof that your claim is true. If this documentation is not provided, then it goes to prove that I'm right and these should not be reported like this. What doesn't make sense is that I've provided FACTS directly from my credit report and I've shown you why they're wrong and yet, you continue to report. Please expedite this process because this just isn't right! Please re-investigate the following below accordingly or I will ask my legal representative to escalate these matters to small claims court litigation, because I have done everything, I am supposed to do under FCRA XXXX.

Company Response:

State: MO

Zip: 65807

Submitted Via: Web

Date Sent: 2024-01-12

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8193201

Date Received: 2024-01-20

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I disputed a transaction in the amount of {$90.00} for a transaction occuring on XX/XX/24 for services not rendered. On XX/XX/24, Discover stated " since the services were recieved XXXX XXXX XXXX this charge can not be disputed. '' Pursuant to the Fair Credit Billing Act, I requested " copies of documentary evidence of the obligor 's indebtedness. '' They refused to provide the documentation.

Company Response:

State: MI

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8192708

Date Received: 2024-01-20

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: I am writing this to express serious concerns regarding Discover Card 's payment processing practices, which appear to be designed to generate excessive fees at the expense of cardholders. The American public. Specifically, there is evidence suggesting a pattern of delayed withdrawals from consumer accounts, resulting in " returned check charges '' of {$30.00} per transaction. This practice raises several troubling concerns : Financial Hardship : Delaying withdrawals can create a false sense of available funds, leading to inadvertent overdrafts and financial strain for cardholders. Inconsistent Withdrawal Periods : The absence of a predictable withdrawal schedule further compounds the issue, making it challenging for consumers to manage their finances accurately. Deceptive Fee Reversals : While Discover may reverse these fees upon request, there are reports of them reappearing on subsequent statements, indicating a lack of transparency and potentially deceptive practices. These concerns collectively suggest a pattern of behavior that prioritizes fee generation over consumer financial well-being. Such practices are not only harmful to consumers, but also raise questions about Discover 's compliance with ethical business standards and consumer protection regulations. I urge you to investigate these matters thoroughly and take appropriate action to protect consumers & the American public from unfair and potentially predatory practices by multibillion dollar multinational corporations. Thank you for your time & for all you do.

Company Response:

State: OK

Zip: 731XX

Submitted Via: Web

Date Sent: 2024-01-20

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8191008

Date Received: 2024-01-21

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: Title 42 of the United States Code, Section XXXX ( XXXX XXXX XXXX ), addresses the fraudulent use of Social Security numbers and related offenses. Here is a summary of the relevant information : XXXX XXXX XXXX : ( a ) In general : Felony Offense : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number is not the Social Security number assigned to him or to such other person, shall be guilty of a felony. Fraudulent Activity : Whoever, with the intent to deceive, falsely represents a number to be the Social Security number assigned to him or to another person, when in fact such number was not yet assigned and such person knows it was not yet assigned, shall be guilty of a felony. Improper Use of Social Security Number : Whoever, in applying for or using a Social Security number, for the purpose of obtaining anything of value provided by law, or for any other purpose, knowingly furnishes or knowingly causes to be furnished false information to the Commissioner of Social Security for use in determining rights to such benefit or payment shall be guilty of a felony. ( b ) Theft of Social Security XXXX 's Payments : Whoever, being a relative ( as defined in section XXXX ( f ) of this title ) of an individual entitled to a benefit under section XXXX ( d ), XXXX ( XXXX ), XXXX ( d ), XXXX ( XXXX ), or XXXX ( f ) of this title, embezzles or fraudulently converts to his own use such benefit or any part thereof, shall be guilty of a felony. Practical Implications : Criminal Offenses : Section XXXX outlines felony offenses related to the fraudulent use and representation of Social Security numbers. Intent to Deceive : Engaging in activities with the intent to deceive by falsely representing a Social Security number, whether assigned or not, is a criminal offense. XXXX XXXX for Obtaining Benefits : Knowingly furnishing false information in applying for or using a Social Security number for the purpose of obtaining government-provided benefits or anything of value is considered a felony. Theft of Social Security XXXX 's Payments : Embezzlement or fraudulent conversion to XXXX 's own use of Social Security benefits belonging to a relative is a felony offense. These provisions are in place to deter and penalize fraudulent activities involving Social Security numbers, emphasizing the importance of accurate representation and lawful use of these identifiers. Individuals convicted under these provisions may face criminal charges and penalties.

Company Response:

State: HI

Zip: 96816

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8190441

Date Received: 2024-01-21

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: Discover Credit Card closed my account on XXXX because I did not update my data, and when I contacted them, they informed me that they had sent me an email on XXXX. I informed them that I thought the email was a scam and that is why I did not contact them, knowing that no one from the company contacted me by phone or by letter, and they closed my account. I asked them to file a complaint, but they refused at first. After that, they informed me that the complaint had been filed on XX/XX/2024, number XXXX. But no one contacted me

Company Response:

State: NC

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8189101

Date Received: 2024-01-19

Issue: Problem with a purchase shown on your statement

Subissue: Overcharged for something you did purchase with the card

Consumer Complaint: After a review of my discover credit card account, I found a mysterious charge of {$200.00} from discover during the holiday season. Ive contacted discover about this and other mysterious activity ; find the procedural history below. 1. I opened a secured card with discover with a {$200.00} deposit. After 6 months of on-time payments, discover was set to return my security deposit and raise my credit limit. 2. I requested the security deposit be credited to my discover credit card account but for some reason this was not possible. [ This was the first opportunity to eliminate ambiguity ] 3. I asked for the security deposit to be credited to my debit card but for some reason this was not possible. 4. Discovers option was to send a check. I never received the check from discover. 5. I asked the security deposit be credited to my traditional checking account and discover agreed to issue a stop payment on the check then send the security deposit to my checking account. 6. After receiving the security deposit in my checking account, I made a payment from my checking account to my discover credit card account in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. 7. On XX/XX/XXXX my discover credit card account was erroneously charged a - {$200.00} adjustment fee. XXXX. On XX/XX/XXXX after discovering the adjustment fee, I contacted discover for a reason for the adjustment fee, receiving two explanations 1 ) my checking account bank allegedly returned the payment? ( no, my checking account bank says that never happened ). 2 ) Discover allegedly gave the security deposit to me twice by mistake ( no, this did not happen )? 9. The result of the actions is that my discover account is overcharged by - {$200.00} and I may have been overcharged on interest. 10. Discover describes the situation as crazy alleging : " Two refunds were sent via electronic deposit ( ACH ). The first was sent on XX/XX/XXXX. The second was sent on XX/XX/XXXX. '' a. Not possible. My bank would have the records and they have stated they do not. More specifically my bank statement listed only one discover credit on XX/XX/XXXX in the amount of {$200.00}. b. discover has refused to provide the ACH tracking numbers of the alleged transactions which would quickly prove that discover did not send me two electronic deposits ACH. The only remedy for this discrepancy is to add + {$200.00} ( as a credit ) my discover credit card account. P.S. I received two email responses from discover stating my credit card balance is allegedly ~ {$660.00} and also stating that I am eligible for a {$1.00} statement credit. This of course falls short.

Company Response:

State: NJ

Zip: 07203

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8188115

Date Received: 2024-01-19

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: My account was suspended back in XX/XX/ after I paid my account in full for the amount of XXXX and my account has continuously been automatically suspended due to " credit ''. Back in early XXXX, I experienced a death in my family resulting in my traveling out of state and not being able to work for several weeks. Because of this, I was not able to pay my bills in time. Now, my financial situation has drastically improved and I am still unable to use my card. This is creating an issue trying to travel for work, renting a car, etc.

Company Response:

State: OH

Zip: 44212

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8186985

Date Received: 2024-01-20

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have not received any of document yet and keep asking paying the debts everyday phone call and bills.

Company Response:

State: WA

Zip: 99223

Submitted Via: Web

Date Sent: 2024-01-20

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8186308

Date Received: 2024-01-19

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I previously submitted a dispute for the charge off account for the Discover Financial Services credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.

Company Response:

State: PR

Zip: 009XX

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8186010

Date Received: 2024-01-19

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have an unauthorized charge on my account from a credit card I did not open. I was a minor at the time. Tried reaching out to credit burea like XXXX and nah be notified them and I was told a claim had been made and filed that I never received confirmation or follow up on.

Company Response:

State: GA

Zip: 303XX

Submitted Via: Web

Date Sent: 2024-01-19

Company Response to Consumer: Closed with explanation

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.