May 2020 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 2020, the CFPB received 2580 complaints against Discover. Discover ranked Number 15 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: May 28, 2020

Company Official Name: DISCOVER BANK

State: CA

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

Issue: Closing your account
Sub-Issue: Can’t close your account

Full Complaint:
I have called twice to close my Discover credit card and it is still showing as open online and on my credit report. I closed one of my other credit card 2 days ago and it is showing as closed on my credit report right away so this makes no sense why Discover has not closed my account.
Please close my Discover card ending in XXXX and send me written confirmation of this!
Thank you.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 28, 2020

Company Official Name: DISCOVER BANK

State: CO

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

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

Full Complaint:
DISCOVER CARD RECEIVED A FULL PAY OFF FROM ME EARLIER THIS MONTH. WHEN I PULLED MY CREDIT TO MAKE SURE THEY HAD REPORTED IT CORRECTLY I NOTICED THAT THEY HAD REPORTED MY PAYMENT LATE TO THE 3 MAJOR CREDIT BUREAUS FROM XXXX OF XXXX TO XX/XX/XXXX WHICH IS INCORRECT AS MY ACCOUNT WAS PAID EACH MONTH ON TIME WITH A PAYMENT THEN WHEN I FELL ON HARD TIMES IN XXXX WITH SOME HEALTH ISSUES INSTEAD OF LETTING MY PAYMENTS GO I HAD AN DEBT MANAGEMENT COMPANY COME IN TO MAKE MY PAYMENTS. ALL PAYMENTS WERE CURRENT EACH AND EVERY MONTH MOVING FORWARD. AS A MATTER OF FACT EACH MONTH I MADE DOUBLE THE AMOUNT THAT DISCOVER WANTED. THEN I PAY THEM OFF THIS MONTH AND NOW I SEE THIS.

I CALLED DISCOVER AND THEY ARE UNABLE TO PROVIDE VERIFIABLE PROOF THAT I WAS LATE WITH MY PAYMENT. THEY SIMPLY SAY ” OUR SYSTEM SHOWS THAT IT WAS ” THIS DOES NOT MEET THE FCRA REQUIREMENTS WHICH SAYS ALL INFORMATION BEING REPORTED HAS TO BE 100 % ACCURATE, COMPLETE AND VERIFIABLE.

THEY ARE ALSO STILL REPORTING IN THE COMMENT SECTION THAT THE DEBT IS BEING HANDLED BY A THIRD PARTY TO MAKE PAYMENTS. THIS IS INCORRECT.

I AM NOT SURE WHAT DISCOVER CARD HAS TO GAIN BY REPORTING THIS INFORMATION SINCE THE ACCOUNT HAS A XXXX BALANCE AND IS CLOSED. I AM REQUESTING THAT ALL LATE PAYMENTS THAT WERE REPORTED ON THIS ACCOUNT BE REMOVED IMMEDIATELY AND ALL COMMENTS THAT REFERENCE PAYMENTS BEING SUBMITTED BY 3RD PARTY DEBT MANAGEMENT BE REMOVED.

THE ACCOUNT IS IN GOOD STANDING AND THERE SHOULD BE NO REFERENCE OF ANY LATE PAYMENTS IN THE PAST AS THE ACCOUNT HAD PAYMENTS MADE EACH AND EVERY MONTH.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 28, 2020

Company Official Name: DISCOVER BANK

State: NY

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: May 28, 2020

Company Official Name: DISCOVER BANK

State: TX

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:
My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used.
XX/XX/XXXX XXXX XXXX XXXX {0.00} XX/XX/XXXX XXXX XXXX XXXX {0.00} XX/XX/XXXX XXXX XXXX XXXX {0.00} XX/XX/XXXX XXXX XXXX XXXX {0.00} XX/XX/XXXX XXXX XXXX XXXX {.00} XX/XX/XXXX XXXX XXXX {0.00} XX/XX/XXXX XXXX XXXX {.00} XX/XX/XXXX XXXX {.00} XX/XX/XXXX XXXX XXXX XXXX {.00} XX/XX/XXXX XXXX SC {0.00}

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 29, 2020

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: Account information incorrect

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 28, 2020

Company Official Name: DISCOVER BANK

State: MI

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

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 28, 2020

Company Official Name: DISCOVER BANK

State: FL

Product: Debt collection
Sub-Product: I do not know

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

Full Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 29, 2020

Company Official Name: DISCOVER BANK

State: PA

Product: Student loan
Sub-Product: Private student loan

Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 28, 2020

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 non-monetary relief


Complaint Details:

Date of Complaint: May 29, 2020

Company Official Name: DISCOVER BANK

State: CA

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:
When I requested for a Credit Limit increase back on XX/XX/XXXX, never did they mention that I had to wait for 12 months from the time open my credit card account to request for it. There was also no mention of this to me over the phone of a new policy where a limit increase request would now be pushed back to 12 months. Both XXXX from the Line Increase Dept. & XXXX from the Credit Operations Dept. said on XX/XX/XXXX, only these 2 requirements needed to be met : 1. Six months need to pass since the opening of the account 2. Must clear the delinquency on my credit report XXXX delinquent payment XXXX XXXX XXXX ) Once the delinquency has been removed, XXXX specifically mentioned to immediately call back in the month of XXXX, Discover will honor to increase my credit limit in 6 months, and not 12 months.

So, I called again on XX/XX/XXXX, to request for the promised credit increase. Supervisor XXXX located in XXXX stated that I have to wait 12 months to request a credit limit increase and not the 6 months, which was against what was originally stated in XXXX. The reason was that the policy just recently changed. My request to increase my credit limit was made before the policy change. Never did Discover adhere to disclose back in XXXX that I will not be able to increase my credit limit once the 6 month period was over. I am filing this dispute to make sure that Discover honors the credit limit increase that was promised to me at the time of the initial request.

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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