ComplaintsforDiscover Financial Services

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received my current Discover Card Statement. I had an interest charge of $163.10. The summary showed that my payments were $88.01 short of the full total needed to pay of the large amount due .However, knowing that the combination of credits and payments were adequate to pay - off the statement amount in full-- I noted that one credit for Merchant Nordstrom Rack was not recorded by the due date-- July 10. The credited amount of $121.17 for returned merchandise was made on July 9 ( 2 days before the due date)--BUT FAILED TO BE NOTED towards the current balance.AND INSTEAD was noted on the following statement LEAVING me with an$88.01 deficit --as previously noted.The next statement clearly shows the credit on July 9 before the due date.I called Discover and was told that this would be reviewed after the next statement leaving me to pay an extra $163.10 unnecessarily -- while I waited for this "review". I then spoke to Manager Tierra in ******** (who had a horrible attitude and bordered on rude)-- she said that there was nothing she would do to assist me-- leaving me to pay the extra $163.10 unfairly-- she said the Merchant Nordstrom Rack was responsible because they only processed the credit on July 11.This is a farce-- this is the world of technology and credits are immediate!Two other credits --same merchant-- on 6/30 and 6/25 were credited immediately.SO WHY was this one held for an extra 2 days to pass my due date and cost me $163.10 in interest??? DID DISCOVER CARD deliberately hold this.....????We have been Discover Card customers since ******* are excellent customers and use this credit card almost exclusively.I have been duped!

  

  Business response

  08/02/2024

  Please see attached.

  Customer response

  08/09/2024

   
  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.

  As this was the outcome that I requested-- return of my erroneous interest charge.  I appreciate that-- however, there is no comment to address to the late- applied- credit --held by Discover Card

  beyond my cycle date -- resulting in an interest charge-- there was NO OTHER REASON for an interest charge as the letter indicates.  And no comment on the rude Manager.  Consider me-- the

  customer-- hear my issues-- know my length of association since 1989-- and the amount of use that this card gets every single month.  I believe that Manager should be counseled.
  
  Sincerely,
  
  *********************

• Initial Complaint

  07/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am writing to request assistance with a dispute on my Discover credit card for a $58.00 transaction with 110 Grill - *********, ** (dated June 12, 2024). I contacted Discover on June 19, 2024, after attempting to resolve my concerns with the restaurant's management without success. I spoke with ****** via chat because I couldnt reach a Discover disputes team member by phone. The food from this establishment made my wife and me ill with food poisoning. The product was poor quality and inadequately prepared, with numerous items missing from the order. I was advised this incident would be at the discretion of the merchant and quality of goods or services is outside our scope. I am extremely disappointed with this response, as it indicates Discover is unwilling to protect its customers from merchants providing substandard service.I attempted to reach out again on June 30th, but the Discover customer service representative was rude and refused to let me speak to a manager. The representative indicated she saw the notes from my prior contact and was completely biased and dismissive. This lack of support and professionalism has only added to my frustration. After reviewing Discover's dispute policy on the website, I believe this situation qualifies for a dispute. There were significant quality issues with the purchase, as the food was poorly prepared and failed to meet basic quality expectations. Additionally, parts of the order were missing, meaning the service was not fulfilled as agreed. I have made a good-faith effort to resolve this with the merchant but have not received a satisfactory response. I am seeking a full refund for this transaction due to the merchant's failure to provide the goods/services paid for.I have been a long-time Discover customer and expect better from a company I have trusted with my financial transactions for years. This incident makes me question the effectiveness of Discovers dispute process and whether they value my business.

  

  Business response

  08/05/2024

  Please see attached

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  During July 2024, I contact Discover ***************** I advised Discover **************** that there are $300 dollars in charges that I did not make or purchase from Amazon. Discover **************** refused to take my fraud claim. Instead Discover does not want to accept the fact that the fraudulent charges on my Discover Card are not mine. I have filed a complaint with ********************* of ************** of the ******** General, Consumer Financial ***************** and ************************* Discover is committing Fraud against me.

  

  Business response

  07/31/2024

  Please see attached.

  Customer response

  07/31/2024

   
  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.  I have received excellent outstanding customer service from ********************** **************** Representative, *********.  It was wonderful professional experience.
  
  Sincerely,
  
  Infiniti Bonet

• Initial Complaint

  07/24/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 7/5 **** of America submitted a payment to Discover Card in the amount of $762.94, this was acknowledge received by ***** from Discover ******************* on several occasions. She was supposed to transfer the payment to my home loan account with ********************** but this has not happened and she won't return my calls. I have spoken to the ********************* which is a third party from Discover and they can not find the payment. I need help getting my money back. I have also contacted **** of America who confirmed the release of the money on 7/5 and they can't do anything.

  

  Business response

  07/26/2024

  Please see attached. 

• Initial Complaint

  07/22/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Hello, I'm contacting about a very serious issue. On the morning of July 7, I had logged into my discover interface to see that $2,534.68 in unauthorized transactions were charged to my debit card. Upon realizing I had lost my wallet, I had called discover to let them know I was victimized by these unauthorized transactions and to escalate the matter so that I can get my money back. I was reassured that the matter would be taken care of, so I figured I had nothing to be concerned about. However, discover then came back with a letter in the mail and denied my money back due to inconsistent information provided by account holder throughout the investigation and Valid transaction(s) authorized with chip after card was claimed lost/stolen. Everything I told discover was the truth, there wasnt anything inconsistent I lost my wallet, and I had my card/PIN inside, and there were 6 unauthorized transactions (5 $500s, and 1 transaction at ******* for $34.68). And to the best of my knowledge, there were no authorized transactions on my card after those 6 transactions, so I'm not sure what theyre referring to. I just want a resolution on this cause that's obviously alot of money to be unexpectedly swindled out of and its too much money for me to just let it slide... Im not sure why discover even let all those transactions go through and the card didnt decline earlier. I shouldn't be at fault for any of this. I work too hard for my money, and I'm going to need a resolution on this one way or another.

  

  Business response

  08/02/2024

  Response attached.

• Initial Complaint

  07/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally dispute an unauthorized account on my credit report due to identity theft. I recently reviewed my credit report and found a discrepancy which is not mine. I have already filed a complaint with IdentityTheft.gov regarding this matter, and I have enclosed copies of the report.The details of the disputed account are as follows:Creditor Name: DISCOVER BANK Opened Date: 8/15/2014 Account Number: **************** I am a victim of identity theft and this account was opened fraudulently without my knowledge or consent. I request that this account be investigated and removed from my credit report immediately. Attached are copies of my identity theft report and any other necessary documentation to support my claim.Please confirm receipt of this dispute and provide me with an update on the status of your investigation.Thank you for your prompt attention to this matter.

  

  Business response

  07/26/2024

  Please see attachment

• Initial Complaint

  07/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear ***/*****,I am writing to formally dispute an erroneous account on my credit report. I have recently reviewed my credit report and discovered an account that does not belong to me. After careful consideration, I believe this inaccuracy is the result of identity theft.I have already filed a complaint with IdentityTheft.gov to address this matter and have enclosed copies of the documentation for your reference.The account details are as follows:Creditor Name: DISCOVER BANK Opened Date: 6/4/2020 Account Number: ************ High Credit: $11,824.00 I kindly request that you investigate this discrepancy and take the necessary actions to correct my credit report. Please remove the aforementioned account from my credit file to reflect an accurate and fair report.Thank you for your prompt attention to this urgent matter.

  

  Business response

  07/30/2024

  Please see attached.

• Initial Complaint

  07/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I just got off the phone with a woman at the executive office who was very rude. She kept talking over me about the lost credit card that I was trying to get from them a month ago. I clearly said that I wanted my daughter to be removed from the account completely because the clowns at Discover failed to send me the card. She had difficulty understanding my request causing my wife to get upset about it and forcing me to exit my house to finish the conversation. For clarification purposes discover failed me by not sending me a card for my daughter period! Secondly discover mocked me by telling me that had I asked for the card over the phone they would have expedited the card to me so that she could make a purchase before June 28th. Third this woman stated that they could overnight a card to me since the one that was requested on 6-22-2024 was never sent out to begin with even though I still wouldnt be able to get the cash back bonus added to my account. Lastly she told me that it did not matter if I had the card for her or not because I just needed to make a purchase on the account before 6-28-2024? Never heard that one before! My wife is an authorized user. I had to have her use her card to get the cash back bonus. My son is an authorized user. He had to use his card in order to get the cash back bonus. Suddenly my daughter didnt need her card period! Makes no sense whatsoever! Its frustrating that Im being told so many lies from employees at Discover. This is unacceptable! If I ever need to contact them again itll be to close the account entirely. Im sick and tired of the nonsense! Can someone please explain to me why this is happening?

  

  Business response

  07/25/2024

  Please see attached. 

• Initial Complaint

  07/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Date of Transaction: 1/24/2024 Amount: $3,970.00 Dispute # *********B Top Notch Residential in *******, ** agreed to provide and install siding on a room addition to my house. I put the charge on my Discover card. They never rendered the product or services and they canceled the project and walked away with my money. I have tried to get a refund from them but they refuse. I don't think Discover reviewed all of my documentation in detail that was filed with the ***** It clearly shows all of the evidence where he agreed to deliver and install and also when he canceled the project. All I want is the charge refunded since I didn't receive what I paid for. The burden should be on the merchant and they should be held accountable. The merchant has not provided evidence that he delivered and installed the siding.

  

  Business response

  07/24/2024

  Please see attached. 

  Customer response

  07/25/2024

   
  Complaint: 22016172
  
  I am rejecting this response because ******* *******************, the owner of Top Notch Residential has filed for bankruptcy and had no intention of rendering services at the time of the transaction. I authorized these charges in good faith, expecting the delivery of goods/services as promised by ***********************. Upon discovery of the merchant's bankruptcy, it became evident that I was misled. The merchant's actions constitute fraud as they were aware of their inability to deliver the goods and services during the time of the transaction. He needs to be held accountable for doing this to people as he has a history (lawsuit cases and liens attached). As a valued customer, I have an expectation that ********************** will protect me from fraudulent transactions. 

  
  Sincerely,
  
  *********************

  

  Business response

  07/25/2024

  Please see attached. 

  Customer response

  07/26/2024

   
  Complaint: 22016172

  
  I am rejecting this response because, despite providing additional information, it has been disregarded. I have attached proof that this merchant has a history of doing this to people hence, the liens and lawsuits on the company. The merchant declared bankruptcy without notifying me or listing me as a creditor and had no intention of providing goods and services at the time of the transaction. I authorized these charges in good faith, expecting the promised goods/services. Upon discovering the merchant's bankruptcy, it became clear that I was misled into authorizing these charges. The merchant's actions constitute fraud as they knowingly engaged in the transaction despite their financial insolvency and inability to deliver the goods and services. As a valued customer for 23 years, I expect ********************** to protect me from fraudulent transactions. It is now apparent that Discover does not truly value its customers and prefers to side with fraudulent businesses.

• Initial Complaint

  07/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My Disputes section shows I was issued a chargeback of $33.20 on 5/13/34 for Dispute # *********P.But it was never put on my statement.I trusted Discover took care of the Dispute because of this error they made.

  

  Business response

  07/29/2024

  Please see attached. 

  Customer response

  07/29/2024

   
  Complaint: 22015072
  
  I am rejecting this response because:
  
  They didn't address my concern. My issue is that even if they didn't find enough evidence to issue me a credit, they listed it in my Disputes section that I was issued a chargeback of $33.20 on 5/13/34 for Dispute # *********P. But it was never put on my statement. I trusted Discover took care of the Dispute because of this error they made.
  
  Because I took this at face value that Discover resolved the issue I let time go by and didn't pursue it and now it's too late to.
  
  They made the error so they should reimburse me.
  
  Sincerely,
  
  *********************

  

  Business response

  08/05/2024

  Please see attached. 

  Customer response

  08/09/2024

   
  Complaint: 22015072
  
  I am rejecting this response because:
  
  They state, "On May 10, 2024, we notified you that we are unable to continue with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction and the dispute was canceled."
  
  What they don't include is then I provided more information and Discover customer service said they'd further investigate. Then I didn't hear anything so I was under the impression it was being investigated. When I looked in my account it stated they had issued me the credit. 
  
  Because of that I assumed the claim had closed in my favor and didn't pursue it further and too much time had passed.
  
  Because the error was on Discover, they should issue me the credit it states in writing that they did already and I've provided.
  
  
  Sincerely,
  
  *********************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩