Credit card or prepaid card -- Closing your account -- Complaint #7099463
Complaint Overview
Complaint ID: 7099463
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: New York
ZIP Code: 10940
Date Received: 2023-06-10T12:00:00-05:00
Date Sent to Company: 2023-06-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I started a fresh start program with Discover on XX/XX/XXXX which would allow me to make payments on my credit card decrease my balance and become current on my credit card. They had me make 3 payments, one on XX/XX/XXXX for XXXX $ which they gave me a XXXX dollar credit with, XX/XX/XXXX for XXXX XXXX and another one XX/XX/XXXX for XXXX $ which i also received a XXXX dollar credit with. Making those three payments forced my account current which was reflected on XXXX XXXX when my balance had decrease down to XXXX, they also reported to the Credit bureaus that i was current on my balance and payments. Now comes XXXX the XXXX of XXXX i checked my balance, it was over the limit again and they reported to the bureaus saying i was over the limit on my card and late which is not true when i made the payments before the XXXX as the had me due to have my account current so it would not report me being late. I called discover spoke to multiple representatives on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX XXXX all told me that they could see i made the payments and were not sure why my balance was reflecting over the limit and that i am indeed current but i would have to wait until the beginning of XXXX so they can report me as being current and on time. I had than spoke to XXXX a supervisor at Discover on XX/XX/XXXX who told me my account had been closed and that yes it was a technical error on their side.She said she would send my account up for investigation to get it reopened but she could not promise that they will do so, which i didn't understand if it was a error on Discovers side and not mine they have reported more than once in the month of XXXX on my credit report and its all inaccurate.
Frequently Asked Questions
What is Complaint #7099463 about?
Complaint #7099463 was filed against Discover Bank regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2023-06-10T12:00:00-05:00.
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.