Credit card or prepaid card -- Trouble using your card -- Complaint #4509353
Complaint Overview
Complaint ID: 4509353
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Ohio
ZIP Code: 446XX
Date Received: 2021-07-01T12:00:00-05:00
Date Sent to Company: 2021-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem. The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!
Frequently Asked Questions
What is Complaint #4509353 about?
Complaint #4509353 was filed against Discover Bank regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-07-01T12:00:00-05:00.
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 or prepaid 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.