Review and analysis of over 81 complaints against Discover
Discover consumers have reported over 81 official complaints related to Credit line increase/decrease. Out of the 81 consumer complaints against Discover, 26% were disputed by the consumer (i.e. the consumer was not happy with how Discover responded to their complaint) and 99% were processed in a timely manner. 1% of consumer complaints against Discover resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 4% resulted in non-monetary compensation.
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Discover Credit card credit line increase/decrease August 14, 2016 - Discover card reduced my credit line without the required 45 day notice as required in violation of Section 226.9 ( c ) ( 2 ) ( vi ) in an attempt charge me an over the limit fee by putting me below my current owed balance. 226.9 ( c ) ( 2 ) ( vi ) states : 9 ( c ) ( 2 ) ( vi ) Reduction of the Credit Limit Consistent with the - 2009 Regulation Z Rule and the - 2009 Regulation Z Interim Final Rule, the Board proposed to retain 226.9 ( c ) ( 2 ) ( vi ) to address notices of changes in a consumer 's credit limit. Section 226.9 ( c ) ( 2 ) ( vi ) requires an issuer to provide a consumer wit... |
Discover Credit card credit line increase/decrease June 30, 2016 - At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. I previously contacted Discover about this but they seem to be ignoring me.... |
Discover Credit card credit line increase/decrease June 21, 2016 - On - -, 2016, I requested a credit line increase and I was approved for a $1000.00 increase bringing my card limit to $1500.00. Nonetheless, I do not feel like this is a fair credit line increase since all of my other credits have limits in excess of $1500.00 in addition to my good account standing with Discover. Moreover, I have a 100 % on-time payment history with Discover ( as I do with all my credit cards ), and have not had a credit line increase since I have had the account for over 2 years despite my current credit score of -. I reached out on - -, 2016 to see if th... |
Discover Credit card credit line increase/decrease March 23, 2016 - The credit line on my Discover card was lowered from - to - because my credit bureau report in - 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a - balance. My credit bureau report as of now shows - balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right th... |
Discover Credit card credit line increase/decrease March 18, 2016 - Discover reduced my credit limit by $1000.00 as soon as I paid the balance down $1000.00. This despite having an excellent payment history with them. ... |
Discover Credit card credit line increase/decrease March 17, 2016 - I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from $7200.00 to $900.00 because of data they had from -. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for cre... |
Discover Credit card credit line increase/decrease February 27, 2016 - I had an ongoing issue with a travel group called - which is now in mediation with the State -. The policy of - is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card -. Discover Card - had initially credited my account for half of what I paid - and then took it back the day before - stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card - through the CFPB. The first being that they failed to issue any refund... |
Discover Credit card credit line increase/decrease February 13, 2016 - So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application only ... |
Discover Credit card credit line increase/decrease January 24, 2016 - In - of 2015 I was approved for a Discover Card, which I have used responsibly. I have always made my payments on time and never gone over my limit. Well, Twice in 2015, Discover Card lowered my limit in an unjustifiable manner. Each time they lowered the limit so low as to make it seem as if I was maxing out my Discover Card and this was not the case. Each time they lowered the balance in this manner it makes it seem like I am managing my credit card poorly and causes my credit score to go lower because it looks like my card is maxed out. I find it completely unacceptable that they can do ... |
Discover Credit card credit line increase/decrease January 2, 2016 - i have been a valuable member and have used and paid the card only to receive a - increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a - limit within about 3 months but yet i am at -. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything ... |
Discover Credit card credit line increase/decrease December 29, 2015 - Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, -, on -/-/15, that Discover used to decrease my credit limit. I contacted Discover on -/-/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately $1300.00 to $200.00, which was alarming because I had not used the card in weeks, since making a payment of $1200.00 to the account. I was informed by - that a credit... |
Discover Credit card credit line increase/decrease December 29, 2015 - Out of curiosity, I contacted - on -/-/2014 after answering a make money quick scheme type of post on -. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was -+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help m... |
Discover Credit card credit line increase/decrease October 10, 2015 - The history : I have been a loyal Discover Card customer since -/-/- ( 9 years ). My spending behavior is I normally charge up the card near its credit line and pay the balance off, in full, within six months. This has been true for the last four years. I have high balances on other credit cards, but have never missed a payment with them. My credit score is just over -. What happened : I made a nearly $11000.00 payment -/-/- to pay my full balance, again this is common behavior ; just in - of this year I made a $7000.00 payment in full. We were doing a lot of immediate spen... |
Discover Credit card credit line increase/decrease September 22, 2015 - So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application o... |
Discover Credit card credit line increase/decrease June 8, 2015 - My credit line with Discover was lowered from - to - not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a - balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the - credit line. Please do not mark this as duplicate as there is additional information not... |
Discover Credit card credit line increase/decrease April 22, 2015 - Discover card lowered my credit line on or about -/-/- without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about -/-/- Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on -/-/- when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since -/-/- with no late payments, missed payments, etc. ... |
Discover Credit card credit line increase/decrease March 27, 2015 - After paying off my account balance with Discover recently, they chose to lower my credit line to - from -. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher. ... |