September 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: September 3, 2019

Company Official Name: DISCOVER BANK

State: MD

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 4, 2019

Company Official Name: DISCOVER BANK

State: MI

Product: Checking or savings account
Sub-Product: CD (Certificate of Deposit)

Issue: Opening an account
Sub-Issue: Confusing or missing disclosures

Full Complaint:
I’m writing on behalf of my mother.
I wanted to transfer my IRA account from XXXX XXXX XXXX to Discover Bank.
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA.
On the form it asks for the address of XXXX XXXX XXXX and my SSN.
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN.
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can’t process it because it has a PO BOX instead of a physical address.
I filled out a second form with the physical address and mailed it on XX/XX/XXXX.

On XX/XX/XXXX, after noticing that the account still hadn’t been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX.

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn’t send the original request because it didn’t have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: September 5, 2019

Company Official Name: DISCOVER BANK

State: VA

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:
The first problem is back in XXXX the XXXX of XXXX I reached out to the Discover Bank and informed them of my identity thief. A credit card in the account of {0.00} had been opened back in XXXX and closed in XXXX. I informed them that I was away at college those years and that it wasn’t me that opened the accounts. I also let them know that the address associated with the card wasn’t mine either. So because the criminal had access to my social and date of birth, making it seem like the account was truly mine, the company refused to take it off. Again in XXXX of XXXX and XXXX of XXXX I again informed Discover Bank that the account still isn’t mine and refuses to help me with this issue. My second problem is that not only have they not assisted me with this issue but the added the fraudulent account onto my credit report as if it’s a brand new negative account, damaging my credit score even more. This company is extremely rude and insensitive. I did not open this account or use this card and I need it gone. I can provide proof that I was away for school the whole time.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 4, 2019

Company Official Name: DISCOVER BANK

State: TX

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 3, 2019

Company Official Name: DISCOVER BANK

State: CA

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:
DISCOVER FINANCIAL IS NOT REMOVING THE FRAUD CREDIT CARD OPENED UNDER MY NAME. I HAVE SENT THEM A VALID POLICE REPORT AND THEY ARE NOT REMOVING THE FRAUD ACCOUNT OUT OF MY CREDIT BUREAU. I NEVER APPLIED FOR THIS CARD AND HAVE NO KNOWLEDGE OF IT. ALSO THERE IS A PO Box FRAUD ADDRESS ASSOCIATED WITH HTIS CAR THAT NEVER BELONGED TO ME

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 5, 2019

Company Official Name: DISCOVER BANK

State: NC

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 5, 2019

Company Official Name: DISCOVER BANK

State: VA

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

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 5, 2019

Company Official Name: DISCOVER BANK

State: NV

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

Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due

Full Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX and 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 4, 2019

Company Official Name: DISCOVER BANK

State: FL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 5, 2019

Company Official Name: DISCOVER BANK

State: MD

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

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 non-monetary relief


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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