Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6449492
Complaint Overview
Complaint ID: 6449492
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Texas
ZIP Code: 756XX
Date Received: 2023-01-17T12:00:00-05:00
Date Sent to Company: 2023-01-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I received a call from discover card stating my account was pass due and in the process of being closed and going to collections. I explained to the representative that I was unaware of any outstanding balances and believed that the card was paid to date. I explained that I recently became aware of severe medical issues and that with XXXX and lock downs had no recollection of the recent charges that caused a balance on the card. I explained that the last payment I made showed that I paid the bill in full just as I done before. The representative stated that I could dispute the charges and any charges that I did not authorize would be credited to the account and I would not be responsible for the charges. The representative then explained that inorder to dispute the charges I would need to set up a payment plan that would prevent the card from being closed. I agreed to set up a payment plan and the representative stated that once the disputed charges were reversed any payments that I made would be credited to the account. The representative said that it may take longer than normal to investigate the disputed charges due to covid restrictions and regulations have changed during the emergency pandemic, and asked me to please just be patient with the process that she noted everything on the account and that she will forward over to the right department to start the process. After making the minimum payment for the rest of the year in XXXX and XXXX I then canceled the payment after receiving a letter from discover stating the card was closed. I assumed the matter was resolved and I would get a new card. Immediately after I lost close family members and had forgotten about the letter until recently I was notified that an attorney was attempting to collect the account balance. The charges that I never authorized and dispute in XXXX that i also paid for each month on time over a year on are now being charged to me again. I never received a credit for the payments I made and I was recently notified after calling discover that the charges was never received by their department that I disputed and they are just now being investigated and have 90 days to resolve this matter. Mean while I still have their collection attorney attempting to file with the court to collect the unauthorized charges that I paid on for over a year and that discover is still in the process of investigating. It appears that discover card has already decided what the investigation of the disputed will be as they still have an attorney attempting to collect charges I did not authorize and paid for as they state they are still investigating the charges. My main concern at this point is discover states they are investigating the unauthorized charges and will notify me once they complete their investigation and will provide me with the results within 90 days. If discover is investigating and they haven't verified that the charges are not mine and was not authorized by me. How is it legal for discover to have an attorney attempting to sue me for unauthorized charges that discover hasn't verified and notified me of balance after investigation or credit that they should have issued to me for payments made for unauthorized changes. It's important to know that I trusted the representative when they stated they would note the account and forward to have disputed charges credited. It appears they never did until recently. I also request if discover does not credit account for unauthorized charges and credit me for over payments I request discover card bank resolves this matter with arbitration. I will forward this report to discover bank and please not this report should also be form of written notice to discover bank XXXX request arbitration of this matter if discover bank is not able to resolved by 90 days. I request all unauthorized charges from XX/XX/XXXX to current be credited to my account and a refund of any overpayments be issued back to me.
Frequently Asked Questions
What is Complaint #6449492 about?
Complaint #6449492 was filed against Discover Bank regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-01-17T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.