Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #7401333
Complaint Overview
Complaint ID: 7401333
Company: Discover Bank
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Money was taken from your account on the wrong day or for the wrong amount
State: Ohio
ZIP Code: 43221
Date Received: 2023-08-14T12:00:00-05:00
Date Sent to Company: 2023-08-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I used my Discover debit card for a purchase of an item from a merchant called XXXX XXXX on XX/XX/XXXX in the amount of {$110.00}. This merchant ( XXXX XXXX XXXX ) never sent me the item I purchased and was not responsive to my repeated emails requesting a status update. So I contacted Discover on XX/XX/XXXX to report that the merchant did not deliver and requested a provisional credit and investigation. However, Discover replied that they were unable to do that under Reg E for my debit card purchase. This was disappointing to me because Discover previously gave me a provisional credit for a debit card purchase from a merchant who did not deliver in XXXX of XXXX under Reg Z. Furthermore, Discover claimed that they changed their policy and they no longer provide Reg Z provisional credits and investigations for debit card purchases. Had I known that my purchase with my Discover debit card was not protected under Reg Z, I never would have made it.
Frequently Asked Questions
What is Complaint #7401333 about?
Complaint #7401333 was filed against Discover Bank regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2023-08-14T12:00:00-05:00.
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 (Checking or savings account) 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.