Credit card or prepaid card -- Problem when making payments -- Complaint #7320806
Complaint Overview
Complaint ID: 7320806
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Mississippi
ZIP Code: 39157
Date Received: 2023-07-28T12:00:00-05:00
Date Sent to Company: 2023-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XX/XX/XXXX made an online payment of {$90.00} for a payment plan to Discover card- the payment cleared to be paid to Discover card. XX/XX/XXXX discover drafted another {$90.00} that didnt clear causing an insufficient funds fee of {$26.00}. I contacted them about the issue on that day & soon after another attempt was made to get the {$90.00} & my account accrued a 2nd insufficient funds fee of {$26.00}. I contacted them and asked to refund the {$52.00}. After phone tagging for several days my request was denied to have {$52.00} refunded to my account even though I made the payment on time & the money was in the account. I had asked to provide proof of my the transactions but was declined to do so. In the 1st attachments I took a screenshot of my payment to discover & the 2nd and final screenshots are of my bank account. It shows the 1st {$90.00} I paid on the XXXX cleared fine & my remaining balance was {$66.00} & change until 2 more attempts to get money were made by discover.
Frequently Asked Questions
What is Complaint #7320806 about?
Complaint #7320806 was filed against Discover Bank regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2023-07-28T12:00:00-05:00.
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.