Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2020, the CFPB received 2580 complaints against Discover. Discover ranked Number 15 among all financial companies for the most complaints.
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn’t receive advertised or promotional terms
Full Complaint:
Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment.
My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: FL
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Response Type: Closed with explanation
Date of Complaint: April 11, 2020
Company Official Name: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
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 purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Full Complaint:
Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {.00}. However, the item was received from Kentucky and only cost {.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: AL
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Funds not received from closed account
Response Type: Closed with explanation
Date of Complaint: April 11, 2020
Company Official Name: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-Product: Savings account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
Full Complaint:
On XX/XX/2020, my external account for fund transfers named ” XXXX XXXX ” was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account.
On XX/XX/2020, both of my external accounts names ” XXXX XXXX ” and ” XXXX XXXX joint ” are suspended again. I am again on hold for 30 minutes but no resolution in sight.
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: CO
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
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: IL
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
Full Complaint:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. And have previously sent this report to them!
Response Type: Closed with non-monetary relief
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
Response Type: Closed with explanation
Date of Complaint: April 10, 2020
Company Official Name: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
Full Complaint:
-8/23/19 Lost wallet and ID document, SSN, Driver license, XXXX card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXXn debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card.
-Replace all lost documents XXXX Notice from XXXX XXXX XXXXPD Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , Discover bank ) that founded from arresting XXXX XXXX at XXXXPD XXXX XXXX : notify call center about the issue and verify ID.
XXXX receive letter form Discover Bank .
XXXX sent the letter provided proof of identity, Identity victim ‘s complaint and affidavit and XXXXPD police slip via website https : //www.discover.com/online-banking/secure-document-upload/.
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.