Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
10/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been a Discover Bank customer for 12+ years. I am a 65 year old man. Statistics show that one in five in my age group have been a victim of a scam. I had NEVER wired transferred any money from this bank account until 7/2/24. I was entangled in a Crypto pig butchering scam. I proceeded to make the following bank wire transfers:7/2/24 $10,000 Swan Bitcoin 7/8/24 $20,000 ********** 7/11/24 $30,000 ******* D ***** 7/15/24 $20,000 ********** 7/17/24 $23,000 ******* D ***** 7/23/24 $60,000 ******* D ***** 7/24/24 $134,000 ******************* *** Douges- ******* Total $297,000 over 21 days Plus Vanguard deposits of $24,990, $24,990, $28,813.97, $101,123.04, $50,229.93 Total Vanguard deposits $230,146.64 Plus 2 Discover CDs cashed in early, $9,976.92 & $4,894.48 Total CD deposits $14,871.40 That a total of $542,018.04 funds moved in and out over 3 weeks!!!!!The wire transfers were authorized by me, but, the bank has an implied duty of ordinary care in an account agreement between the bank and the customer that neither party can disclaim. As a result, bank customers may enforce the duty of ordinary care through an action of breach of contract. Discover Bank did not even question me about all of this extraordinary funds movement. I did recall the wire transfers to no avail. Discover did not look into the $113,000 in wire transfers sent to ***************************. The ************************** and the US ************** are investigating this matter.******** ***** had a large settlement with her bank for the exact same circumstances! She lost $660,000 and 77 years old!
Business response
10/21/2024
See attached response.Customer response
10/22/2024
Complaint: 22446534
I am rejecting this response because:I believe there is a contractual claim because the ****** establishes an implied duty of ordinary care in an account agreement between a bank and its customers that "neither party can disclaim." As a result, bank customers "may enforce the duty of ordinary care ... through an action for a breach of contract." The Discover Bank Account Agreement includes an implied duty of ordinary care that applies to Discover Bank's alleged wrongdoing. My Discover Account Agreement governs my Discover Bank checking, savings and money market accounts.Several provisions establish a duty of ordinary care. Ordinary care is the "observance of reasonable commercial standards, prevailing in the area in which the person is located, with respect to the business in which the person is engaged. Parties to the agreement "cannot disclaim a bank's responsibility for its lack of good faith or failure to exercise ordinary care" through an agreement.
Sincerely,
**** *******Business response
10/23/2024
See attached response.Customer response
10/24/2024
Complaint: 22446534
I am rejecting this response because:I believe Discover Bank owes me REASONABLE CARE: The bank's duty of care means they must exercise reasonable diligence in verifying transactions especially when they appear suspicious or significantly deviate from a customer's typical activity. Especially, wire transfer #7 for $134,000.
I believe Discover Bank should have seen RED FLAGS on my accounts during the period in question concerning the deposits and transfers. Banks should be alert for red flags like sudden large transfers to unfamiliar recipients, unusual transaction patterns. Especially, wire transfer #7 for $134,000.
I believe Discover Bank can be held liable for ignoring the clear indictors of a possible fraud/scam with the activity described with my account. Large or any wire transfers from my account never happened previously. Especially, wire transfer #7 for $134,000.
Wire transfer even violated the Discover Bank's own policy limiting wire transfers on savings accounts to 6 per month. I believe all these details add up to very suspicious fraud or scam activity. Discover Bank ignored all of the unusual signs of fraud or scam activity. Large fraud/scam transactions cannot happen unless a bank ignores such unusual activity.
I believe this is a total breach of a contract for banking services.
It is interesting how banks get bailed out by the government with taxpayers funds when they run into financial problems, but, how easy it is for banks to ignore the problems with fraud and scams on the average ***. Discover Bank has done nothing but stepping on me like an insect on the ground.
Sincerely,
**** *******Initial Complaint
10/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Tried to dispute with customer service and told several things. Had fraud and account was closed. Requested to pay balance without fee due to fraud causing the issues or request balance transfer. Had fine payment history prior to reflect this.Business response
10/16/2024
Please see attached.Initial Complaint
10/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This charged-off account shouldn't appear on my consumer report. Once the card was charged off, this account was sold to a collection agency. Any possible payment that I would make to the collection agency wouldn't go to Discover which is the absolute truth. When asked to provide documentation that a potential payment made to the collection agency would go to Discover, Discover didn't respond. Please remove this charged off account from my consumer report immediately.Business response
10/17/2024
Please see attached customer response letterInitial Complaint
10/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On April 24th, 2020 my information was fraudulently used it open an account with **********************. I did not authorize, consent, or know about this account being opened. The thief acquired $1,817 under my name and made this account charged off, due to that there is now an inaccuracy on my credit report which is this fraudulently opened account reporting to me, I would please request for this account to be taken care of, thank you so much. I have even attached the document requested and I have also filed a complaint with the Consumer financial protection bureau.Business response
10/14/2024
Please see attached.Initial Complaint
10/11/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am writing to file a formal complaint against Discover Bank for their failure to address my repeated requests for assistance. For the past five days, I have been calling the **************** of Customer Advocacy at **************. Despite leaving numerous voicemail messages explaining the reason for my calls and my need to apply for a hardship program, I have not received any return call or ***************** a customer in need of support, I find it highly unprofessional and disappointing that a bank of Discovers stature would ignore such requests, especially considering the nature of my situation. I have been patient, yet their lack of response is unacceptable, particularly during a time when customers are seeking ******************** relief.I am requesting the BBB to intervene in this matter to ensure that Discover Bank provides an appropriate and timely response to my requests. I believe that all customers deserve to be treated with respect and consideration, particularly when they are facing hardships and seeking assistance.Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.Business response
10/17/2024
Please see attached.Customer response
10/18/2024
Complaint: 22411152
I am rejecting this response because I have not received any communication from Discover regarding my concerns. As requested, I contacted customer service to inquire about hardship programs, but none of the options presented were suitable to meet my needs.
Sincerely,
******* ********Business response
10/22/2024
Please see attached.Customer response
10/22/2024
Dear Better Business Bureau,
I have reviewed the businesss response regarding complaint ID ******** and find the resolution satisfactory. I spoke with ***** and followed his recommendation to discuss filing for a hardship.
Sincerely,
SAInitial Complaint
10/11/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
This is a complicated billing issue. I did a balance transfer on 9/25/24 for $1,806.61. Then I changed my mind. I contacted ******** and they requested a refund from discover. The refund was posted to my ******** account on 10/8/24. When the balance transferred to discover, discover debited my account, however, when discover returned the funds my account was not credited for the $1,806.61. I have fought with many customer service representative's to get them to fully understand what I am saying but have been hung up on repeatedly. Please have someone fix this error that is able to understand the billing process.Business response
10/18/2024
Please see attachment.Customer response
10/19/2024
Complaint: 22410845
I am rejecting this response because:A credit should be given since the $1,806.61 was debited to my account.
Sincerely,
***** ****Business response
10/23/2024
Please see attachment.Customer response
10/23/2024
Complaint: 22410845
I am rejecting this response because: a credit needs to be made to my account.
Sincerely,
***** ****Initial Complaint
10/10/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been a Discover customer for nearly 20 years. I recently made a purchase from Code 118 wallets in June ***** for $63.66. I received the product and was not satisfied with the product. The product was returned, which I paid for, and the company did not issue a refund. I submitted a dispute to discover, provided emails stating the merchant would issue a refund, the return shipping confirmation, and the merchant not responding once they received the product back. Discover resolved the dispute in the merchants favor. I submitted additional documentation, including a chat with a Discover agent, stating they could apply a credit if the merchant agreed to issue a refund and did not. I have all of this in writing and Discover refuses to help out their customer and make it right. So I am out $63.66 for the price of the product, an additional $7 to mail it back, and I have no product. As a customer of ********************** for many years, I am shocked they did not make this right or at least issue a good faith credit if they are trying to build merchant accounts. I will be finding a new credit card card company who stands behind its loyal customers when they get scammed. Whatever *********************** process is for reviewing disputesit is greatly flawed. See case number *********U and *********R and all of the supporting documents already submitted directly to Discover.Business response
10/15/2024
Please see attachmentCustomer response
10/15/2024
Complaint: 22407484
I am rejecting this response because: I was told that my claim would be submitted, again, to the billing department for further review and that I would be contacted of the resolution in the future. The billing department did not provide a time period for this further review, and I do not want this complaint to lapse until that review process occurs.It was also not clear if the documentation I mailed in previously was considered in prior reviews—but the representative I spoke with today seemed to suggest it was not. I am not sure how Discover continued to make substantive decisions in my dispute without reviewing the information/documentation I submitted via mail, per your instructions in the dispute letter.
I would be happy to resolve this complaint once I hear from the billing department of their further review, assuming they review all of the documentation I have previously submitted.
Sincerely,
Cory DaigeBusiness response
10/17/2024
Please see attachmentCustomer response
10/17/2024
Complaint: 22407484
I am rejecting this response because: I was told from Carol, who coordinated the billing call from Makayla, that the dispute was being reopened/reviewed and that I would hear back once that investigation occurred, as per Carol, the additional documentation I mailed in was not previously considered in prior reviews.Has the billing department already reviewed this dispute and made any determination? I have not received any information or response and not sure where things currently stand. Carol said one thing, and I don’t know if this executive office review is running together or separate from that process.
I would like to know if the additional information Carol looked at and made notes on, and resubmitted, has been reviewed in conjunction with the dispute. Should I be hearing from them separately? If so, what is that timeframe?
I will not deem this resolved until the additional emails and documentation I submitted and Carol made notes on is reviewed—and I can’t tell when that will occur.
Thank you.
Sincerely,
Cory DaigeInitial Complaint
10/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I called Discover Card to see if I had any credit available to charge groceries in March 2024, The *** told me I had $28 available. I asked are you sure, did they post the interest? *** said yes, both. I said both? She said yes, you have a interest charge for your regular card charges approx $16. and you have a interest charge for a cash advance over $20O. I ***lied, I've never made a cash advance on my Discover card. From this point I was on the phone for maybe an hour being transferred from one person to another. The ***s went back into my account history 7 years and couldn't find a cash advance. I was told I was being charged this interest for more than 7 years. I wrote a letter to the CEO/President who had been CEO for only one year and was leaving. The ***lacement CEO left after 3 months. And the current CEO started as CEO/President on April 1, 2024 at Discover Financial Services. I mailed and faxed a complaint letter to ******* ******, CEO on 3/29/24. I then contacted J. ******* ******** via mail and fax on 6/24/24; NO response from anyone. My billing statement has always shown on the main first page: Billing Transfers 0; Cash Advances 0; Fees Charged 0. I had no reason to look further. I was told by a *** that the "cash advance" was listed on another page in my billing statement, and there was nothing she could do at this point, because I hadn't alerted Discover Card services to give them a chance to correct this issue. I am a senior on a fixed income. They have charged me approximately $23,000+ in interest for this cash advance that never happened. It seems as if my interest increased Sept. 2013. I want my money reimbursed. I normally shred my billing statements after paying, but I am now saving them showing the "Zero Cash Advance." I hope they do not generate a false billing statement, but I think it will be hard for them to explain all the "0 Cash Advance" billing notices I've been receiving for years on the main billing statement page.Business response
10/16/2024
Please see attached.Customer response
10/17/2024
Complaint: 22403093I am rejecting this response because:
I have never made a cash advance on my Discover card. This is something I would not do. Discover response to me is, they only keep my account history for 7 years. Therefore, they can't show me this actual "cash advance," because they HAVE NO RECORD of it. What kind of response is this. Therefore, they will continue charging me this outrageous interest for a cash advance I never made on my Discover card. This is outrageous. Discover Financial Services is being very underhanded. Their response is unacceptable. Show me this "cash advance," or reimburse the thousand of dollars they've been billing me for and receiving over the years. A corporation like Discover should do the right thing. This is just unbelievable. They didn't even offer to remove the interest fee being contested. I want my complaint given to the present CEO/President of Discover Financial Services.
Sincerely,
******** ******Business response
10/18/2024
Please see attached.Customer response
10/21/2024
Complaint: 22403093
I am rejecting this response because:Discover Financial Services has not provided me documentation of this "cash advance," and I have provided Discover my billing statements showing ZERO cash advances. Discover advocacy *** indicated their records indicate a almost $5,000 cash advance, which is a fraudulent response. No way I've ever made any cash advance on my Discover, especially $5,000; Never. That amount of $4,000 + was the balance due for regular purchases, but unbeknownst to me they were including a outrageous interest rate for a cash advance that never happened. I want a response letter from the present CEO/President of Discover Financial Services, regarding my complaint and the reimbursement of my money paid to them for a non-existent cash advance. Show me this so called cash advance or reimburse my payments for these outrageous interest payments. They have no records of this "cash advance" and the charges for it seems to have started in September 2013; unbelievable.
Sincerely,
******** ******Initial Complaint
10/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to demand the immediate removal of an unauthorized DiscoverBank account that has been fraudulently reported on my credit report. This account was opened without my knowledge or consent, as part of an identity theft incident. The details of this fraudulent account are as ****************************** Opened on December 3, 2020 Account Number: ************This account's presence on my credit report has inflicted serious damage on my credit score, resulting in significant financial hardship and stress. I have filed a complaint with ***************** and am now seeking the BBB's immediate assistance to ensure this fraudulent account is permanently removed.Business response
10/17/2024
Please see attached.Initial Complaint
10/08/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I spoke with an agent September 27, 2024 they stated my card was declining due to insufficient funds. I then received an email later that day about giving consent so discover can contact the *** to confirm something. I then reach out to an agent online the agent stated they had no idea what I was talking about and transferred me to another agent. That agent stated I just needed to make a payment and everything would be fine. I made the payment and continued to have issue using the card. I then called back to see why I was experiencing the card declines again I was transferred to another department where the agent told me I did need to give consent so they are able to confirm my income and tax documents or get a notary signed and submit a bank statement to confirm my income. Agent then sent me an email that is password protected and did not give me a password to even submit the documents.Business response
10/10/2024
Please see attachment
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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Customer Complaints Summary
3,214 total complaints in the last 3 years.
1,087 complaints closed in the last 12 months.