Credit card -- Closing your account -- Complaint #19516568
Complaint Overview
Complaint ID: 19516568
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Florida
ZIP Code: 33155
Date Received: 2026-02-15T12:00:00-05:00
Date Sent to Company: 2026-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Discover Credit Card regarding ongoing wrongful and improper billing practices on my credit card account, which was paid in full and closed in XX/XX/year>. There was no activity on this account for months beginning in XX/XX/year>. No purchases, cash advances, or transactions were made. In XX/XX/year>, I made a payment that brought the account balance to XXXX. At that time, there was no remaining balance due. I was not properly notified in writing via U.S. Mail that the account had been closed by Discover, nor was I advised of any outstanding obligation. Despite there being no activity on this account for months since XX/XX/year> and despite the account being paid to a XXXX balance in XX/XX/year>, this financial institution has continued to wrongfully assess late fees, interest charges, collection fees, and additional fees. These charges were applied without proper written notice and without justification. As a direct result of these improper actions, the account now reflects a balance exceeding XXXX XXXX dollars, comprised entirely of fees that should not have been charged. Under federal law, including the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, credit card issuers are prohibited from charging monthly maintenance or inactivity fees on closed accounts and can not declare an account in default simply because it has been closed. The continued assessment of fees under these circumstances raises serious concerns about compliance with federal consumer protection laws. This account must be immediately cleared of all late fees, interest charges, and any and all additional fees assessed from XX/XX/year> through the present, prior to any demand for payment. The balance should be corrected to reflect XXXX, and written confirmation of these corrections must be provided. Any negative credit reporting resulting from these improper charges must also be removed. If this matter is not resolved promptly, I will escalate this issue and file an additional complaint with the Federal Reserve System requesting a formal investigation into unfair practices, discrimination, and violations of federal law. I respectfully request a thorough investigation and immediate corrective action.
Frequently Asked Questions
What is Complaint #19516568 about?
Complaint #19516568 was filed against Discover Bank regarding Credit card specifically about Closing your account. It was received by the CFPB on 2026-02-15T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.