Review and analysis of over 304 complaints against Discover
Discover consumers have reported over 304 official complaints related to Closing/Cancelling account. Out of the 304 consumer complaints against Discover, 19% were disputed by the consumer (i.e. the consumer was not happy with how Discover responded to their complaint) and 100% were processed in a timely manner. 7% of consumer complaints against Discover resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 10% resulted in non-monetary compensation.
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Discover Credit card closing/cancelling account January 4, 2017 - I got my first credit card on -/-/2016. It was Discover. And my account was closed - days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card - days after I got this card, which was - or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in -. I deposited ... |
Discover Credit card closing/cancelling account December 23, 2016 - DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT - FROM COMMITING FRAUD ON THE CARD.... |
Discover Credit card closing/cancelling account November 28, 2016 - Discover close my account for no reason given. They closed my account when I was shopping without sending me a notice ( I got that notice a week later ). Moreover, They refuse to send me the matched cashback that they promised when they encouraged me to apply.... |
Discover Credit card closing/cancelling account November 27, 2016 - I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On - -, 2016, an unauthorized payment of $32.00 was made to the - company by Discover without my knowledge. or consent, for a product I did not order or receive. When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.... |
Discover Credit card closing/cancelling account November 22, 2016 - I want to file a complaint against Discover card. My account with them was paid in full when they closed my account right after I paid the balance to - in -. Discover is now reporting on my credit that, the debt was discharged as part of a bankruptcy. I have taken the steps to dispute information being reported by Discover Card on my credit report with - and the case has been resolved unfavorable to me, despite having shown proof of its inaccuracy. I filed a chapter - Bankruptcy Date Filed : - -, -, and no credit card debt was included in the bankruptcy. Only a charge of... |
Discover Credit card closing/cancelling account November 17, 2016 - I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit $18000.00 with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never h... |
Discover Credit card closing/cancelling account November 11, 2016 - Dear Sir/Madam, I am filing a complaint about Discover credit card ( account # - ). This account was opened on -/-/- and according to the terms and conditions, the card will receive - miles per every dollar spent and the first 12 month 's earned miles will receive a match bonus. Since account opening, I have earned - miles. My account has always been paid timely. Discover card closed my account for no reason on -/-/-, just a few days before the first annual anniversary. After my account closure, they not only denied my last statement miles credit but also told me t... |
Discover Credit card closing/cancelling account September 14, 2016 - Discover Card will not close my zero balance accounts. Als I am receiving credit card offers at my house, sent to my - - - son. I have called many times to stop the mailings but to no fix. I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. Called son and he says he is also having exact same -. Problems They wo n't close accounts and constantly send credit card offers which he does no want. The time period of this is over the last 13 years. I declared bankruptcy du... |
Discover Credit card closing/cancelling account August 15, 2016 - In -/-/- my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in -/-/- the account was paid less then full but $400.00 ( we owed I think - ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not b... |
Discover Credit card closing/cancelling account July 30, 2016 - I reached out to several secure credit card companies to build my credit in - 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in -. All - companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used f... |
Discover Credit card closing/cancelling account July 29, 2016 - I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of $700.00 and I paid off and closed the account in - of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of $700.00 and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of - 2016. then I called again and now they are advising - 2016. This is very frustrating because those monies are due back to me and it is ca... |
Discover Credit card closing/cancelling account July 26, 2016 - Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. Over just the last 6 months the balances rose by over $1000.00 without using any of them. I would have closed them all out 6 months ago. I cancelled - cards and I asked each and every - of them if I can make my payment on line or by phone. Also will my payment g... |
Discover Credit card closing/cancelling account June 28, 2016 - My credit card experienced unauthorized charges in - -. Discover did reverse all the charges, however several months after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of - - where I do not live and have never lived, about - miles away from me, and a proper investigation by - has proven that I have nothing to do with that address as well. The credit bureaus re... |
Discover Credit card closing/cancelling account May 18, 2016 - on -/-/- I paid - the balance on my Discover credit card. on -/-/- I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of $200.00 was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ - ... they deducted $40.00 from my payment for interest charges - on an account that I had requested be... |
Discover Credit card closing/cancelling account May 4, 2016 - I cosigned for a credit card with a $300.00 limit for my daughter when she - 17 years ago. She got married 15 years ago and called Discover to remove my name and change the card to her new married name since she had established good credit. She later moved into a new home and called to change her address with Discover. I never received any more credit cards, letters or phone calls from Discover in the last 14 years about that account so we assumed they removed my name from the account as she requested. She continued to get correspondence and replacement cards in her name only at her new a... |
Discover Credit card closing/cancelling account May 1, 2016 - I had cancelled my Discover card on - -, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a $54.00 charge. I wrote back on -/-/2016 and asked to have an accounting of what the charge represents. A reply on -/-/2016 again stated that my account was closed and nothing owed. But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm - years old and do n't need an unblemished credit record stained, ... |
Discover Credit card closing/cancelling account April 29, 2016 - I am writing in regard to Discover Financial Services. - - I made a final payment to this credit card due to loss of personal solvency. - - I received notice Discover was writing off this debt as uncollectable. Tax year - I received a - for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year -. As a result of this reported charge off in the incorrect tax year, I have wrongly due $900.00 to the IRS. I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the - ... |
Discover Credit card closing/cancelling account April 29, 2016 - Summary : Discover Card closes account on first-class, long-term customer with excellent FICO score, for simply having " inactivity '' on account. I have had my Discover Card in question since 1995 ( 21 years ). I not only have an excellent history directly with Discover, but also have a very high FICO score which recently ranges from - to - ( with - max ). On or about - -, I received a letter from Discover informing me that my account was suspended and would be closed within 30 days. The letter states that the closure was due to " Inactivity on your account. '' I then tried t... |
Discover Credit card closing/cancelling account April 19, 2016 - -/-/2016, Discover cancelled my credit card due to 2 late payments more than a year apart. The payments were not 30 days late and the second payment was one day late. ... |
Discover Credit card closing/cancelling account April 11, 2016 - After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After seve... |
Discover Credit card closing/cancelling account April 11, 2016 - Due to - - - cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from - -, 2016. Discover has engaged in a collection campaign with early phone calls ( - ) and e-mails. I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken - or more Federal consumer Laws. ... |
Discover Credit card closing/cancelling account March 26, 2016 - I used a Discover card for several years and finally got it paid off. I called and asked them to close the account. They said they had, but I continued to receive statements every couple months despite not using the card ( I destroyed it ). After a few months I called again and requested that they close my account. I still continue to receive statements ( just got one today ) and it 's been well over a year. ... |
Discover Credit card closing/cancelling account March 18, 2016 - Discover bank has closed one of my credit card without providing any reason ... |
Discover Credit card closing/cancelling account March 12, 2016 - I went to activate my card but it was denied. I called gave all the information. I was told that he card was deactivated because I did not use it. Is this legal? ... |
Discover Credit card closing/cancelling account February 19, 2016 - What part of " accounts open '', do n't you understand? - lists - " This account is scheduled to continue on record until - - '' - " This account is scheduled to continue on record until - - '' - lists - Closed - - - Closed - - BUT - lists - Open and no deletion date. - - and no deletion date. If you are reporting to all - ( - ) Credit Reporting Agencies as you say you are. Why do only - ( - ) have the correct information. If these are closed, it must be stated as such. If you were to say " considered closed '', that has no... |
Discover Credit card closing/cancelling account February 11, 2016 - My DISCOVER credit card account was closed by the company on - - without given any reason. I have remained good credit score and never had any late payment since I got the card on -. DISCOVER has promoted its credit card by promising high cash back on purchasing, however they never give any itemized summery on the cash back credit along with every purchase, so it is extremely difficult to keep track of those credits. There were several times when I make purchase using the affiliate link on DISCOVER website but only end up receive - cash back on the statement ( since they do n't p... |
Discover Credit card closing/cancelling account February 10, 2016 - 1. I opened my discover card 5 years ago, which was my first credit card trade in my bureau. This card was about to expire in - 2015. Instead of reissuing a same number card w/ later expiration date like other issuers do, discovercard closed my old credit card account and issued a card w/ new number. And when I looked into my credit bureau information, i noticed that my credit history was shortened for nearly 48 months, which is critical since being an immigrant, I only have 5 years credit history. 2. when i logged in my discover account today, I received a mail stating that discover makes... |
Discover Credit card closing/cancelling account January 27, 2016 - Yesterday I called Discover Financial to activate my mother 's supplementary card, but was informed that it was cancelled since I did not provided some information regarding her. I have been a Discover card member for close to 8 years, and my mother has had a supplementary card for several years also. I have - issues with this:1 ) I or my mother never received any type of notification on this regard. Not by email, letter or pop-up on the website.2 ) I informed that my mother does not live in the US , when the card was originally issues, an therefore does not have a social security number.... |
Discover Credit card closing/cancelling account January 22, 2016 - I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it ... |
Discover Credit card closing/cancelling account January 20, 2016 - My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also d... |
Discover Credit card closing/cancelling account December 19, 2015 - I got an email from Discover Card that said my credit line increased to - ( from I beleive - ), but it also stipulated that my account would canceled if I did n't use the card by - 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a - balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you. ... |
Discover Credit card closing/cancelling account December 12, 2015 - My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. Please note I have also recorded the call where they admitted all ... |
Discover Credit card closing/cancelling account November 30, 2015 - Discover Card closed my account without my consent or notice. It is a credit card I kept active due to the higher credit limit on it, and it was one of my longer held accounts which has an overall affect on my credit score. I am extremely disappointed that credit companies are allowed to do this, knowing the way the credit scoring system is set up, and the detrimental damage it can cause to the consumer! This policy that these companies can use to close dormant accounts needs to be changed! ... |
Discover Credit card closing/cancelling account November 30, 2015 - Forms - for ( - ) discharged debts were issued -, by - -, - for Discover Credit Card debts. As an Income Tax matter, the Date of Discharge is the relevant factor ; not included on Forms -. I spoke, by phone this date, with -, in the Charge-off Dept. of - -, - ; who informed me that the actual charge-off date, for both accounts, is -/-/-. However, she was unable to provide essential documentation of same. ... |
Discover Credit card closing/cancelling account November 18, 2015 - Discover Bank closed - my oldest credit line due to inactivity ( 24 months ) without providing any notice or warning! I received online their " decision '' on -/-/2015, but the card was closed -/-/2015. I was planning to make large purchase on it and now I am left with nothing. I have - and I was not able to call them ; so instead I contacted their customer service online and asked them to reinstall the card, but they refused. I was told to reapply for credit again?? ... |
Discover Credit card closing/cancelling account October 14, 2015 - Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a -, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( -/-/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. When I expressed my d... |
Discover Credit card closing/cancelling account October 7, 2015 - After being a Discover Card holder for more than a decade, I received an email dated - -, 2015 stating that, As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason - - ) : Inactivity on your account - - ). The letter states that should I have any questions regarding the actions taken on - my ] account to contact Discover at -. Upon receiving the email, I contacted Discover and was told by the CSR an... |
Discover Credit card closing/cancelling account October 2, 2015 - Yesterday, -/-/2015, after placing an order at -, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called - and they said that they did not put a hold or an alert on the card but that Discover card did. I then called back Discover card to find out what the problem was - I have $3700.00 credit line with only - ... |
Discover Credit card closing/cancelling account July 18, 2015 - I applied for a Discover IT '' credit card. and was approved, I sent in documents to prove my address and social security number and was told verbally that I was approved for a $1000.00 credit line and my card would arrive in 7-10 day. so I wait a week and the card never shows neither does an decline notice. I checked back online after a two weeks for my application status only to get a message stating that I has been declined for the card and I would be getting a letter in 7-10 days. I 'm very confused as to why they would approved me then deny me for a credit card and why no denial letter... |
Discover Credit card closing/cancelling account July 7, 2015 - discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account ... |
Discover Credit card closing/cancelling account June 23, 2015 - My discover credit card (account number ****************) was closed by Discover -. But they never warmed me before nor explained to me that how I violated their policy.... |
Discover Credit card closing/cancelling account June 14, 2015 - I received a Discover card in the mail in -/-/- that arrived ready to be activated, on an account I officially closed in -/-/-... |
Discover Credit card closing/cancelling account June 12, 2015 - I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. This was my - credit card that established my credit history as of 2012. - months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover - and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an... |
Discover Credit card closing/cancelling account June 8, 2015 - I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. This was my first credit card that established my credit history as of 2013. About - weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that we are no ... |
Discover Credit card closing/cancelling account June 3, 2015 - I have good credit and pay my bill on time. For some unknown reason, Discover card decided that they do n't want me as a customer anymore and canceled my account. I think this will adversely affect my credit. From what I found out online, they seem to have targeted mostly - for the account closure. I think I deserve an honors answer as why they have decided to close my account. ... |
Discover Credit card closing/cancelling account June 1, 2015 - I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have - late payment, and I even have a Discover saving account with a good amount of money. However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that. ... |
Discover Credit card closing/cancelling account May 29, 2015 - I received the letter from Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to business decision ''. I called a friend and found out he has the issue without any reason explained. ... |
Discover Credit card closing/cancelling account May 18, 2015 - Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is business decision '', but no further explanations. It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month. ... |
Discover Credit card closing/cancelling account May 11, 2015 - Credit Card was never activated YET I 'm receiving mail. ... |