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Complaint Details
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Initial Complaint
08/10/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I had a 12-month ** with Discover Bank, which expired on July 7. I did not receive any notice by mail or email before or after ** expiration date. Instead, Discover Bank sent me a letter on July 17, which I received on July 27, saying that a new 12-month ** was opened on July 8. I was travelling out of the US during the first two weeks of July and got zero notice by Discover Bank. Also, Discover Bank does not provide any option for ** holder to send instructions on how to handle the ** balance on the maturity date. After a short grace ******* any change on the new ** has to pay early withdraw penalty fee. My request is to waive the early withdraw penalty fee for the new ** created by Discover bank without my permission.
Business response
08/15/2024
Please see attachedCustomer response
08/16/2024
Complaint: 22121466
I am rejecting this response because: As I already explained in my complaint, I never received the notice by email or mail in June. I was travelling in early July. When I got home, I only got the letter of new **. My request to change the new ** term instead of closing the ** is also very reasonable. However, Discover Bank still insists on the penalty fee if I change the term for new **, which does not make any sense.
Sincerely,
*************Business response
08/19/2024
Please see attached
Customer response
08/19/2024
Complaint: 22121466
I am rejecting this response because: Discover bank's reply does not include any information or action they plan to do. The reply just confirms they received my rejection which I sent a few days ago.
Sincerely,
*************Initial Complaint
08/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I applied a personal loan and declined with the reason stated UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION. When called customer service, I was told that the information you provided doesnt match with credit reports of 3 major credit agencies. I pulled my report and match with the information provided and it was same. I called back to file a dispute on decision as I had right to file a dispute with in 60 days but supervisor ****** didnt provide me any information to file a dispute. I called at **************. When asked his ID number, he refused to gave me his ID number after a brief hold. When I asked a reference number of the call, he refused to gave me that reference number as well. I know my credit score is good and I provided all right information. I knew it will be hard inquiry of my credit but on a same note my financial history and credit score was pretty strong and there was no reason of refusal. But they refused the loan with the reason provided as my application information doesnt verify with credit history and they didnt tell me what part of personal information wasnt verified!! I would like to get a proper reason with explanation of refusal or approval of loan or the hard inquiry they made should be removed from my account and compensate me with the kind of attitude shown towards a client not giving the proper information. I am a law abiding citizen and always pay my taxes and bills on time to keep my credit history straight and I can not accept a random reason for refusal without any explanation.Business response
08/13/2024
Please see attached.Customer response
08/13/2024
Complaint: 22115939
I am rejecting this response because:its exactly the same response I was given on day one. I was rejected based on the reason that they are unable to verify my information provided to them through credit reports. I ran all 3 reports from credit bureaus and match the personal information I provided to them and couldnt find any difference between the information given to them and to the 3 bureaus reports. All I need to know that what personal information they were unable to verify and why they didnt ask my to provide verification if required?? I would like to know the appropriate reason with verification or remove the hard inquiry from my report. I never had any late payments or delinquency on my over 10 years of credit history.
If Discover can not provide me satisfactory explanation with proper proof, I would like to have them remove the hard inquiry from my credit report.
Sincerely,
***************Business response
08/16/2024
Please see attached.Customer response
08/16/2024
Complaint: 22115939
I am rejecting this response because:I am extremely disappointed with such response. I am available to verify my personal information which as per discover they couldnt verify with credit bureaus. I have all 3 reports, which they looked into it and my information is same as I provided to discover.
I strictly recommend a proper explanation with proof of my rejection or I would request BBB to report my concern and page it to Discovers history for rest of the people so they dont get into their trap and made their credit bad for no reason.
Sincerely,
Mehr AliInitial Complaint
08/05/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
A CHARGE WAS BILLED TO MY DISCOVER CREDIT CARD IN AMOUNT OF $160.00. APPARENTLY THE CHARGE WAS TO ********* STATION. I DISPUTED CHARGE TO DISCOVER CREDIT CARD. COMPANY ON LINE AND TELEPHONE. AFTER DISCOVER THEIR INVESTIGATION, THEY SAID I MADE THE CHARGE. I EXPLAINED THAT I LIVE ALONE, I HAVE NEVER GIVEN MY CARD TO ANY BODY EVER. THE CHARGE CARD IS ALWAYS IN MY WALLET. AND I EXPLAINED THAT $160.00 CHARGE MUST HAVE BEEN SOME BODY IN A LARGE TRUCK OR RV.Business response
08/12/2024
Please see attached.Initial Complaint
08/04/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
More than 30 days ago I contacted Discover about some charges on my card. The charges dated back to december of 2023. I do not receive a paper statement so rarely do I look at the statements, but it was just odd that I would make payments to my card and the money would not be there. So upon checking my card I noticed some apple charges that I did not make. Contacted apple and was told to dispute it with Discover so that is what I did the charges are $1.09, *****, 5.49, 3.29, 5.49,3.29.8.77, 2.19,3.29,3.29,7.68,8.78,2.19,7.68,and 5,49 the charges start 12/06-06/30. I have not received a phone call nor a email from Discover about this. I reached out to them twice and was told that Apple has not responded to them. It's been more than 30 days. If i want any information I have to contact Discover! This is really heartbreaking because I thought this was a good company. I have not paid anymore money on this card due to them not resolving this issue>Business response
08/12/2024
Please see attached.Customer response
08/13/2024
Complaint: 22090603
I am rejecting this response because: on 07/03/2024 I put EVERY SINGLE charge that was from apple on my card into dispute. Because of the lack of trainingThe person that took my complaint failed at adding them all. I called and asked them what the investigation process was and oh my Lordthe response was terrible. Discover has to do better by its customers
Sincerely,
*************************Business response
08/15/2024
Please see attached.Customer response
08/16/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. They refunded my money. So all is well.
Sincerely,
*************************Initial Complaint
08/02/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this **** with charter communications, I do not have contract with DISCOVERBANK, they did not provide me with the original contract as i requested.Business response
08/12/2024
Please see attachment.Initial Complaint
08/02/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I entered a payment plan for reduced monthly payments with Discover on my account. I received an email that one automatic draft did not go through. I also received a notice from Discover that I had until July 31st at midnight to make a payment or the account would be charged-off. On July 31st, I logged on to my account to make the payment. I did make the payment on July 31st at around 1 p.m. on that date. I noticed something was odd about the account, and contacted Discover. I was informed that they had charged off the account on July 30th, the day prior to the date in the written notice they gave me. I have attempted have this resolved multiple times with Discover. They claim that it is not their error and will not undo the charge-off of the account, they have refused to connect me with any management and have not requested to see the notice they sent me giving me until July 31st at midnight to make a payment.Business response
08/13/2024
Please see attached.Initial Complaint
08/02/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
this is on behalf of my sister *******************************. ******* passed away after a month battle with Covid in the hospital, she passed on 2/7/2024, I reached out to notify Discover card that she had passed, they said her spouse or someone still has to pay her balance of around $5800. Her spouse is 81 years old and has dementia, they are harrassing him to pay this balance and getting lawyers involved. ***** her spouse was not on the card nor was anyone else, they will not let the balance go and continue to harass Phill. He cannot pay this, and feels like he has to hire lawyers now to help him.Business response
08/15/2024
Please see attachment.Customer response
08/16/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Per their response we do not have to use individual assets to pay this card for our deceased sister.
Sincerely,
***********************Initial Complaint
08/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear ***/*****,I recently reviewed my credit report and found the following errors. I am a victim of identity theft and have filed a complaint with IdentityTheft.gov. Enclosed, you will find copies of my complaint and any supporting documentation.Please investigate the fraudulent account and remove it from my credit report:Creditor Name: DISCOVER BANK Opened Date: 05/24/2021 Account Number: ************ Balance: $735.00 I appreciate your prompt attention to this matter. Please confirm receipt of this dispute letter and provide me with a response outlining the actions taken regarding this fraudulent account.Thank you for your cooperation.Business response
08/12/2024
Please see attached.Initial Complaint
08/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have been in a ongoing dispute with Discover Card over several issues. An online merchant advertised a free trial period yet continued to charge me. I tried to cancel the subscription by logging in but to no avail. I reached out to Discover Card and the customer service rep reported the card as lost, rather than stolen. The merchant continued to charge me and it was only after too late and I had to clarify the charges were fraud. The account has been closed but Discover is still saying I'm responsible for the charges. Discover Card has been generally unhelpful, uncommunicative, and non-cooperative in this investigationBusiness response
08/09/2024
Please see attached.Customer response
08/13/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
08/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Refused to resolve a fraudulent transaction despite evidence. $75+fees was sent thru cashapp to a seller who blocked me immediatley after recieving funds. This scam was reported to cashapp immediately, then discover once cashapp refused to help. My problem with discover is the gaslighting that this is not a fraudulent transaction, "Because cash app transferred the money they did their job and provided the service they are responsible for. We cannot hold them responsible for the fact that the [seller] did not sell you [what they] promised you." But that is the definition of fraudulent behavior & should be covered by their fraudulent transaction protection. Trying to call it "unpleasant" and not fraudulent is blatantly false. No apparent effort was made to resolve the dispute on my behalf.Business response
08/13/2024
Please see attached.
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3,170 total complaints in the last 3 years.
1,132 complaints closed in the last 12 months.