Money transfer, virtual currency, or money service -- Wrong amount charged or received -- Complaint #5348913
Complaint Overview
Complaint ID: 5348913
Company: Discover Bank
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Wrong amount charged or received
State: Oregon
ZIP Code: 972XX
Date Received: 2022-03-21T12:00:00-05:00
Date Sent to Company: 2022-03-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.
Frequently Asked Questions
What is Complaint #5348913 about?
Complaint #5348913 was filed against Discover Bank regarding Money transfer, virtual currency, or money service specifically about Wrong amount charged or received. It was received by the CFPB on 2022-03-21T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.