Credit card -- Problem when making payments -- Complaint #19693282
Complaint Overview
Complaint ID: 19693282
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Utah
ZIP Code: 84120
Date Received: 2026-02-22T12:00:00-05:00
Date Sent to Company: 2026-02-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I am filing this complaint after repeated failed attempts to resolve a payment posting error directly with Discover. Background In XX/XX/XXXX I paid off XXXX Discover credit cards : Account ending XXXX {$13000.00} Paid successfully via wire transfer on XX/XX/XXXX. Account ending XXXX {$9300.00} Paid via check dated XX/XX/XXXX. The {$9300.00} check was cashed by Discover in XX/XX/XXXX. The funds cleared my bank. I have provided Discover with a copy of the canceled check showing payment to Discover in that exact amount. Payment Posting Error Discover failed to apply the {$9300.00} payment to my account ending in XXXX. During dispute review, Discover informed me via email dated XX/XX/XXXX that the payment had been posted to an account ending in XXXX. That account : Is not mine. Was acknowledged by Discover representatives as not belonging to me. Has never been identified as a valid account associated with me. If the payment was truly applied to a different account, that account would have had a surplus of {$9300.00}, since my other Discover account was paid to zero via wire transfer on XX/XX/XXXX. Despite acknowledging the existence of the payment, Discover has not corrected the posting error. Improper Collection Activity During Dispute While this matter was under formal dispute review : Discover withdrew an ACH payment of {$210.00} on XX/XX/XXXX. Additional ACH withdrawals continued afterward. I was told collection activity would be suspended during investigation. I was informed refunds would only occur if Discover determined it was at fault. This appears inconsistent with protections under the Fair Credit Billing Act prohibiting continued collection of disputed amounts during investigation. Continued Failure to Correct From XXXX through XXXX : I contacted Discover weekly. I was repeatedly told the matter was in progress. No timeline was provided. In XX/XX/XXXX, I was told the check had been applied to another account and no corrective action was indicated. XXXX calls began after I revoked ACH authorization. As of XX/XX/XXXX, the {$9300.00} payment remains unapplied to my account ending in XXXX. ________________________________________
Frequently Asked Questions
What is Complaint #19693282 about?
Complaint #19693282 was filed against Discover Bank regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2026-02-22T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with monetary relief". 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.