Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5105364
Complaint Overview
Complaint ID: 5105364
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Texas
ZIP Code: 77845
Date Received: 2022-01-12T12:00:00-05:00
Date Sent to Company: 2022-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, Discover Card authorized a balance transfer payment from my credit card account to my Checking account with XXXX card. As of XX/XX/XXXX, the funds hadn't arrived at my XXXX account. I messaged them ( their main customer service number is selling products to people and hanging up if you don't buy ) many times and explained that this situation was artificially negatively impacting my XXXX XXXX. They asked me to submit a form stating both the routing number and the account number of my XXXX account. I did, then waited. Nothing happened. I have since then been trying o reach them in every way I can, and besides dropping chat conversations, and selling products to customers calling about pressing card issues and then hanging up on them, I have had no answers, no recourse, no one to even talk to. They say it will take them 30 days to investigate this dispute. It is a simple matter of adding my routing number to my balance transfer request and processing the payment. I have already been charged for ( my Discover account is now {$11000.00} higher ) which has ground my XXXX XXXX down to poor from good. But they will not help me, or even get me a real person to talk to me. I will be unable to process my home refinance due to a damaged XXXX XXXX while rates are still reasonable because of Discover card 's negligence and mistreatment of customers like me.
Frequently Asked Questions
What is Complaint #5105364 about?
Complaint #5105364 was filed against Discover Bank regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2022-01-12T12:00:00-05:00.
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.