Credit card or prepaid card -- Closing your account -- Complaint #4736470
Complaint Overview
Complaint ID: 4736470
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Wisconsin
ZIP Code: 54703
Date Received: 2021-09-20T12:00:00-05:00
Date Sent to Company: 2021-09-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2020, I signed up for a Discover Card because of their copious 0 % balance transfer deals and options. We had transferred, made payments, made purchases etc. without incident until XXXX of this year. On XX/XX/XXXX we did {$7100.00} worth of business in the form of balance transfers per Discover Cards posted offers. On XX/XX/XXXX a hold was placed on my account for " Personal Identification/Information needed ''. I received 1 ( one ) email that I disregarded as a Phishing Attack ( " Problem with your account ... '' ) because I logged into my account directly and found no messages, no alerts... just an Account in good standing with a XXXX balance. On approx. XX/XX/XXXX I received 1 ( one ) phone call/voicemail with approximately the same message. Again, log into my account to find no notifications, no alerts ... nothing indicating that my account was anything other than in good standing and, because of the advertised balance transfers and out use of them, Discover owed me a little over {$300.00} in overcharges. The week of XX/XX/XXXX I attempted to use the Discover card to buy a new desk but the card was declined. Discover had canceled my account after attempted to get ahold of me exactly twice : one email, one phone call, and nary a word on their official site and my official account page. Now I have a negative mark on my report that they closed an account with a {$9000.00} limit, my other balance transfers failed causing more fees and overages. Only when I called to find out why I couldn't buy the desk did I learn any of this. Oh, and they couldn't just re-open my account because more than 30 days had elapsed since the freeze on XX/XX/XXXX ( i can't find the exact date, but it was about a week beyond the 30 day ), per internal policies, never mind the fact that I was happy to give whatever they wanted because their out-reach policy and XXXX and looks like Phishing Attacks. I wish I had more to give you but... The email was trash, it looked fake ; the website told me nothing was amiss ... When the Account log in page gives no warning or visual cue, what am I to think?
Frequently Asked Questions
What is Complaint #4736470 about?
Complaint #4736470 was filed against Discover Bank regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-09-20T12:00:00-05:00.
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.