Credit card or prepaid card -- Fees or interest -- Complaint #5000068
Complaint Overview
Complaint ID: 5000068
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Missouri
ZIP Code: 64068
Date Received: 2021-12-11T12:00:00-05:00
Date Sent to Company: 2021-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB rep, I tried to rebuild my XXXX XXXX by starting a deposit secured credit card. By using the deposit secured card i didnt know if I used more than a certain percentage of my limit it would lower my score significantly which it did. I closed a Discover account that was my own money secured credit card on XX/XX/XXXX. At that time I was fully paid with zero balance. I received a statement early XXXX that reflected my deposit was repaid when in fact it was not. I contacted them and they said the check was sent and they would call me back with info. I requested they not cancel any check sent to me and to give it time to arrive by mail. It did finally arrive on XX/XX/XXXX. I deposited the check in my bank but now my bank has rejected the deposit as the check did not clear on Discovers end. Now at a critical time of personal liquidity issues, my Bank has taken away my {$200.00} as the Discover check was bad and charged me an additional {$15.00} fee. It took them over 2 months for them to send me my deposit back and have stopped payment or given me a bad check. Please help me get my money and punish Discover as this can not be legal. Very disappointed as the wolves are guarding the sheep. Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #5000068 about?
Complaint #5000068 was filed against Discover Bank regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-12-11T12:00:00-05:00.
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.