Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7287425
Complaint Overview
Complaint ID: 7287425
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: Idaho
ZIP Code: 83709
Date Received: 2023-07-21T12:00:00-05:00
Date Sent to Company: 2023-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
For several years now, Discover Card has offered 5 % cash back from XXXX through XXXX for XXXX purchases using a Discover card. This year they seemed to have expanded it, listing " digital wallets '' as the current 5 % cash back category. XXXX is a digital wallet by definition, and since previously it was XXXX exclusively, one would think that Discover simply expanded their 5 % cash back category this year to include all digital wallets. After receiving only 1 % cash back on a Discover Card XXXX purchase earlier this month ( XXXX ), it seems that Discover is using their own definition of what a digital wallet is, instead of the generally accepted definition of a digital wallet. They are excluding XXXX from being a digital wallet, even though XXXX is definitely a digital wallet. This is very deceptive because they simply say 5 % cash back for " Gas Stations and Digital Wallets '' for XXXX through XX/XX/2023. Here is the official description of XXXX : " XXXX is a financial services company that functions primarily as a digital wallet and money transfer service. '' Thus, Discover Card is employing a deceptive promotion in excluding the longest running, best known digital wallet in existence!! And no, I have no affiliation with XXXX other than being a long time user of XXXX 's services.
Frequently Asked Questions
What is Complaint #7287425 about?
Complaint #7287425 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 2023-07-21T12:00:00-05:00.
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 (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.