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

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 6390169

Date Received: 2023-01-04

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: I found on my credit report during the XXXX in XXXX, that my Discover credit card was closed. I called Discover customer service today ( XX/XX/XXXX ) and learned that it was closed due to inactivity, at around end of XX/XX/XXXX. However, I didn't receive any notice about the inactivity and their intention to close my account. This is my oldest credit card account and has a major contribution to my credit history. Discover closing my account without giving me notice is severely hurting my credit score. I have been current on all payments for the history of using this card, and I'm frustrated about them closing my account even having being a loyal customer.

Company Response:

State: CA

Zip: 94086

Submitted Via: Web

Date Sent: 2023-01-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6388483

Date Received: 2023-01-02

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my credit score - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. XXXX XXXX

Company Response:

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2023-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6388365

Date Received: 2023-01-02

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. XXXX XXXX

Company Response:

State: NY

Zip: 117XX

Submitted Via: Web

Date Sent: 2023-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6387577

Date Received: 2023-01-02

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: In XX/XX/XXXX, I received a call from Discover Account Services. They asked if I was XXXX XXXX XXXX , I explained that I wasn't but I was married to a XXXX and had been divorced since XXXX and my middle name didn't begin with an H. They proceeded to tell me that I had a balance of over {$8000.00}. I told them this must be fraud as I haven't had a discover card since XXXX when I applied for a mortgage. Many phone calls in XXXX and XXXX finally resulted with me speaking to an individual who explained that the account was paid to {$0.00} in XXXX but not closed. She then closed the account and gave me a reference number. She said should I receive any calls to give them this reference number. Today, XX/XX/XXXX, I spent XXXX hours on the phone because I received XXXX invoices from Discover informing me that I had a new balance of {$400.00}. I was transferred XXXX times and the last woman I spoke with, XXXX in XXXX, informed me that she spoke to the " Specialty '' Department and they had taken care of this and my account will be XXXX. Dear Government representative, during this time my credit score dropped XXXX points and I asked if this could be cleared up since the problem was on their end and they have no answer for me. I am a US Citizen, a XXXX XXXX who hopes to retire in a few years. I have a mortgage and I am concerned that this situation/issue, through no fault of my own, will affect either my social security or pension in the future. Not to mention should I want to downsize and get another mortgage. Can you help me? I want this account in this name no longer associated with my social security number and address. I want a summary of my account showing that it was closed ( that I could show a bank or other financial institution ) and my credit rating restored by Discover card informing the credit reporting agencies that this was an error on their end. Thank you.

Company Response:

State: CA

Zip: 94403

Submitted Via: Web

Date Sent: 2023-01-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6386744

Date Received: 2023-01-03

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 use my XXXX in XXXX on a Car service but canceled the car before the XXXX time to cancel and I had the proof of that but the XXXX company says only the company that changed my XXXX can take the charge big of my XXXX when I have the paperwork to prove I canceled the service way ahead of time. The problem is the car service makes you go into their own website to make changes to car pick up dates then saying you never sent the change and wont show you the actual internal company email page you submitted the change on but just what ever they want to show you from what ever they want to show you but not the actual internal email you sent to them.

Company Response:

State: IL

Zip: 60073

Submitted Via: Web

Date Sent: 2023-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6386293

Date Received: 2023-01-02

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: XX/XX/XXXX - Paid a {$200.00} deposit for a secured credit card ( email available ) XX/XX/XXXX - After prompt payments and adherence to terms, notification received that ( per terms ) I would be receiving my {$200.00} deposit back. Credit card was switched to an unsecured credit card and credit line increased to {$500.00}. XX/XX/XXXX- Discover was first notified that I had not received my deposit back. They would not provide a tracking number, but assured me it had been sent on XX/XX/XXXX. Never received. I instructed them to put a stop payment on the check ( if it had been sent, but I don't believe it was ) and re-issue. I was told I'd receive the new check in 30 days. ( XXXX spent : XXXX minutes ) XX/XX/XXXX - Discover notified a second time that I had never received my deposit back. I was asked for my checking account number and routing number, then was told " I have submitted this info to my supervisor and you will receive the ACH refund within XXXX business days after the request is processed. '' I was told they could not provide me with an email confirmation, to which I replied that I'd save the chat log as evidence. They advised that they also save chat logs for 13 months, so my entire chat history should be available to you upon request. ( Time spent : 1 hour 9 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Asked for confirmation that the ACH was processed. No response. ( Time spent : 3 minutes ) XX/XX/XXXX - Deposit still not received. Paid entire balance due today and notified Discover that I would be filing a complaint after unsuccessful attempts at resolving the matter with them directly and a year having gone by.

Company Response:

State: CA

Zip: 90638

Submitted Via: Web

Date Sent: 2023-01-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6384993

Date Received: 2023-01-01

Issue: Closing your account

Subissue: Can't close your account

Consumer Complaint: DISCOVER BANK XXXX I have called and sent letters including a police report to the company requesting to close this account due to fraud. This account was opened fraudulently. I have made several phone calls to the company insisting they close account immediately and remove the account from all three credit agencies but they have not done that.

Company Response:

State: CA

Zip: 92562

Submitted Via: Web

Date Sent: 2023-01-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6383753

Date Received: 2023-01-01

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you

Company Response:

State: NY

Zip: 10011

Submitted Via: Web

Date Sent: 2023-01-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6383752

Date Received: 2023-01-01

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I was XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.

Company Response:

State: NJ

Zip: 076XX

Submitted Via: Web

Date Sent: 2023-01-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6383744

Date Received: 2023-01-01

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I was XXXX on income tax related charges XXXX XXXX, 2011. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.

Company Response:

State: NJ

Zip: 076XX

Submitted Via: Web

Date Sent: 2023-01-01

Company Response to Consumer: Closed with non-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.