DISCOVER BANK


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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: 7749353

Date Received: 2023-10-24

Issue: Improper use of your report

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

Consumer Complaint: On XX/XX/XXXX my identity was used by an unauthorized party to attempt to open lines of credit with Discover Financial SVCS and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Discover wrote me a letter, reference number XXXX stating they completed their investigation and would remove the hard inquiry from my credit report. They also stated it would take up to 60 days for it to be removed from my credit report. It has been 259 days and this hard inquiry is still on my XXXX credit report, hurting my credit score. As for XXXX XXXX XXXX XXXX, I couldn't even get to their Fraud department. Instead I reached XXXX or XXXX. When I called on XX/XX/XXXX, I was told that the head of account solutions would contact me. They never did. I called back XX/XX/XXXX, and was told they were in the middle of physically moving between buildings and that someone named XXXX would get back to me. XXXX never got back to me. The phone number for XXXX is XXXX XXXX XXXX.

Company Response:

State: PA

Zip: 180XX

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7748996

Date Received: 2023-10-24

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPDATE TO CLAIM XXXX XXXXXXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear DISCOVER EIN XXXX XXXX XXXX Asset-Backed Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice it is fact that under the XXXX a " creditor can not deny any applicant credit on the basis that the consumer in good faith exercises a right. Notice it is fact under 15 USC 1602 Credit is defined as THE RIGHT GRANTED meaning it is a Inalienable Right. no fictitious corporation on paper can give. Notice it is fact I the consumer in the matter am in fact the Original Credit Card Holder and Original Creditor as defined under Truth In Lending 15 USC 1691a and DISCOVER is defined as the assignee of the Original Creditor. Notice it is fact I have entered into a consumer credit transaction with DISCOVER exercising my right to credit in hopes to extend credit to DISCOVER to perform their duties under the Federal Reserve Act and re extend my credits back to me. Notice it is fact DISCOVER received real lawful money in commerce via a Finance Charge and Credit Application ( ASSET/SECURITY ) but yet has discriminated against me denying me a Federal Protected Right to credit with them as well as within the banking system. DISCOVER has not only breached its fiduciary and Trust duties but has also discouraged me from extending my credit and lose confidence in the banking system. DISCOVER has stated to me that they have the Lawful Right to deny me a Federal Right because of a XXXX XXXX XXXX XXXX SCORE. Notice it is fact NOWHERE IN ANY FEDERAL LAW, STATUE NOR POLICY IT STATES ANY BANK CAN DENY A FEDERAL RIGHT DUE TO A FAIR XXXX XXXX SCORE. A Fair XXXX XXXX Score only details the ability of consumers to RE-pay on Finance Charges nothing more. Notice it is fact DISCOVER has obtained my CREDIT CARD and APPLICATION as an ASSET and SECURITY and has given me NO BENEFIT now in direct violation under 15 USC 1644 and 18 USC 242. Notice it is fact I have tried in many attempts to settle this matter before escalation In Good Faith and DISCOVER has assumed I am an uninformed consumer and has denied all oofers to settle the matter. Notice it is fact DISCOVER at the time of the initial Credit Application has Failed in its TRUTH IN LENDING requirements to disclose to me my Right To Recession within 3 Days after application. Notice it is a fact under TRUTH IN LENDING my deadline to Rescind my application is now 3 Years. Hence DISCOVER states they can not delete my application from their data base because it is in fact a Security which they are obligated to perform under the Security Exchange Act of XX/XX/1934and continue to discriminate against me denying me my right to credit I now exercise my right to recission under Congress law TRUTH IN LENDING and DEMAND DISCOVER to return to me my " ORIGINAL '' Credit Application

Company Response:

State: CT

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7748830

Date Received: 2023-10-24

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: Disputed it with the credit collector and credit bureau that it was never my account.

Company Response:

State: SC

Zip: 29063

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7748491

Date Received: 2023-10-24

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company Response:

State: MD

Zip: 20745

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7748081

Date Received: 2023-10-24

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 moved to DC for work for the better part of a year and foolishly neglected to cancel a subscription to a wine club, which charged me {$34.00} per month for XXXX bottles of wine, that I usually picked up in person from the retail location. Since it is in a suburb in which I don't live, I usually didn't go every month anyway, and they were OK with that, generally -- me picking up XXXX months at a time instead of every month. The store has now closed, however, even though they continue to send me e-mails ( as recently as 12 days ago ). I have tried repeatedly -- over the past XXXX years, probably a couple dozen times- to get in touch with the company, ranging from calling multiple listed phone numbers, to e-mail, to going to the physical location, to asking my friends and my wife to call them. For awhile, they were picking up the phone and saying they were open when they weren't. This ultimately wouldn't have been the end of the world, but I lost my job in the spring and was denied unemployment, so I am trying to cut back on spending on stuff like this. Especially when I don't even get the product I pay for. Of course, I requested that Discover Card dispute ALL of the transactions from the past 24 months, which they did, since I haven't picked up wine from them since early 2021. But they eventually found in favor of the merchant, because they said the merchant never responded to the claim, and that I had " failed to provide additional documentation. '' I never signed a contract or anything for this service, so the additional documentation that I would be required to provide is an insane notion. I have no clue what kind of documentation they'd want me to provide. If the merchant never responded, Discover 's position is that it's my word against their lack of a word, which suggests a unilateral siding with a party that appears to have reneged on a contractual agreement to provide a thing to me that they have failed to provide. This amounts to {$830.00} plus interest that I will NEVER see again. I have been robbed, and this company continues to enrich itself and its shareholders at the expense of my broke XXXX that can not afford groceries. Sincerely, XXXX XXXX XXXX

Company Response:

State: MI

Zip: 482XX

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7747575

Date Received: 2023-10-24

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: I DID NOT AUTHORIZE THIS ACCOUNT. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company Response:

State: IL

Zip: 60619

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7747231

Date Received: 2023-10-24

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.

Company Response:

State: NY

Zip: 11413

Submitted Via: Web

Date Sent: 2023-10-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7746121

Date Received: 2023-10-23

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: I am filing this complaint to DISCOVER BANK for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company Response:

State: TX

Zip: 77584

Submitted Via: Web

Date Sent: 2023-10-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7745854

Date Received: 2023-10-23

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 bought tickets on this XXXX XXXX for a XXXX XXXX concert on XX/XX/2023 for {$340.00}. The link went through XXXX and the tickets were never sent or activated and I never got refunded. XXXX seats and XXXX keep claiming the other party is responsible and Im out {$340.00} for tickets I never received and a show I never went to. Its a complete scam and they also refuse to send emails and leave a paper trail when I try to dispute the charge with my credit card company. The credit card company I used was Discover and they keep siding with the merchant because it was an authorized transaction, but XXXX seats did not provide the services. This is a case of fraud and Discover is false advertisement on saying clients are never responsible for fraudulent cases or services never rendered. They wont let me open a new dispute either.

Company Response:

State: FL

Zip: 33781

Submitted Via: Web

Date Sent: 2023-10-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7745007

Date Received: 2023-10-23

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: XXXX WHAT I WROTE TO DISCOVER CARD AFTER I WAS DENIED OF MY UNLIMITED CREDIT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Discover card XXXX XXXX XXXX XXXX, DE XXXX Subject : Denial of Credit Violation of Equal Credit Opportunity Act and Consumer Credit Protection Act Dear Sir/Madam, I write to bring to your attention a serious matter regarding the denial of my access to credit, which I believe constitutes an act of discrimination under the provisions of the Equal Credit Opportunity Act. As an attorney in fact for XXXX XXXX, I am compelled to address this issue on his behalf. Regardless of the reasons for the denial of credit, it is important to note that under the Equal Credit Opportunity Act, individuals have the right to receive fair and equal access to credit. By withholding XXXX XXXX 's access to his securities, it appears to be a violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. I hereby request that you rectify this situation by retracting XXXX XXXX 's credit application, as it is evident that his rights under the aforementioned acts have been violated. It is imperative that Discover card, as a reputable financial institution, upholds its legal obligations and ensures equal treatment and opportunities for all consumers. I trust that you will promptly address this matter and provide a written confirmation of the retraction of the credit application to avoid any further legal action. Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX Attorney in Fact for XXXX XXXX

Company Response:

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-10-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.