December 2019 Complaints Against Discover

Compiled from Public Data by FairShake

If you have an issue with Discover, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 2141 complaints against Discover. Discover ranked Number 16 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: WA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Credit card company forcing arbitration

Full Complaint:
The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {

Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: WA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Credit card company forcing arbitration

Full Complaint:
The Discover Credit Card and Discover Bank referred my already closed account ending XXXX to the XXXX XXXX XXXX, XXXX. ( collection agency ) at XXXX, WA to file the lawsuit against me with the XXXX County District Court. The account was closed on XX/XX/2019 and I also received the refund check # XXXX in the amount of {{{mpg_replace}}.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 7, 2019

Company Official Name: DISCOVER BANK

State: None

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem with product or service terms changing

Full Complaint:
This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: None

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: LA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX the number and says it discover card about a outstanding balance ...
Very embarrased to say the least.. could not even do my job, so nervous

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: GA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: NY

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit

Full Complaint:
I had a credit card with Discover. I had a credit limit of {00.00}. On XXXX my credit was decreased to {0.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {0.00}.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: DC

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Full Complaint:
I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {00.00}. I immediately contacted Discover to have the {00.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn't able to go though because they didn't have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {00.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {00.00} overpaid for a month.

Company response:

Response Type: Closed with explanation


.00} on that day, which I did not cash it. Discover Card, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, and Discover Bank, XXXX XXXX, Delaware who issued the refund check. It is against the law for the Discover Credit Card and Discover Bank to pursue a lawsuit against me after my account had already been closed. They have violated the Consumer Protection Act and the Fair Debt Collection Protection Act. Please investigate and then let me know. I would appreciate your assistance and emotional support. Thank you, XXXX XXXX, ( XXXX ) XXXX and you may reach me by email as well : XXXX And, the lawsuit was filed against me on XX/XX/2019.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 7, 2019

Company Official Name: DISCOVER BANK

State: None

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Credit monitoring or identity theft protection services
Sub-Issue: Problem with product or service terms changing

Full Complaint:
This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: None

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: LA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
They called my work, left message fir me to return call to XXXX XXXX XXXX ask for XXXX And that it was urgent concerning a very important matter. So what does my coworker do, she XXXX the number and says it discover card about a outstanding balance …
Very embarrased to say the least.. could not even do my job, so nervous

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: GA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: NY

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit

Full Complaint:
I had a credit card with Discover. I had a credit limit of {00.00}. On XXXX my credit was decreased to {0.00}. I had made a payment of XXXX to bring my account current. I missed a payment in XXXX due to a very personal issue but set up payment plans with Discover to bring my card current. I was able to make a large payment and no sooner than I had done that my credit limit was reduced to {0.00}.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there’s a balance indicating on the document whetherit ‘s a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 6, 2019

Company Official Name: DISCOVER BANK

State: DC

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Full Complaint:
I had a reoccurring payment setup on my Discover Credit Card, then I did a one time payment of the statement balance on my credit card to be paid XX/XX/2019, when doing this I remember it promoting me to ask if I wanted this payment instead of or in addition to the reoccurring payment, I said instead of. Also, I had no reason to believe my credit card company would take more payment than my statement balance at one time. This payment was setup about a week before the payment, I do not have the exact date. On the day the payment was due both the reoccurring charge and the statement charge were taken out, my Discover account was overpaid by {00.00}. I immediately contacted Discover to have the {00.00} payment reversed, I believe it was XX/XX/2019. They told me I had to fill out a form and the money would take 12 business days to be refunded to my account. Though I said this was not appropriate due to the situation, I filled out the form because I felt it was all I could do. I continued to receive communications from representatives over their chat function for days who continued to ask me to fill out the same form, which confused me. I finally called and asked what was happening on XX/XX/2019. I was on the phone for half an hour and a representative confirmed that the refund had been requested on the XXXX and I would get the money soon. When 12 days was up I contacted the company again and they said the refund wasn’t able to go though because they didn’t have the right information. I requested a refund to the same account they withdrew the money from and had submitted 4 electronic forms with the information, which included the routing and account numbers. I submitted another form and was told it would again take 12 days from the new time I contacted them, which would actually be the same day that my monthly payment is due. I have still not received any money back, no clear way of how to get it, and no monetary credit for the inconvenience of having my bank account overdrawn by {00.00}. This is theft and is not okay. The worst part was that every time I contacted them to get this dealt with they kept blaming me for the error when they created a situation where my account was {00.00} overpaid for a month.

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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