Credit card -- Advertising and marketing, including promotional offers -- Complaint #8152354
Complaint Overview
Complaint ID: 8152354
Company: Discover Bank
Product: Credit 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: Connecticut
ZIP Code: 067XX
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I enrolled in an Offer with discover. The offer was as stated : '' Activate now and earn {$250.00} extra cash back when you spend at least {$2500.00} by XX/XX/. '' I did indeed activate. I spent roughly {$300.00} across other transactions in early XXXX. I made a last purchase of roughly $ XXXX on XX/XX/XXXX the deadline. The customer service representative stated that my transaction posted on my account in XXXX therefore I was ineligible. According to the terms and conditions. " To qualify for the extra {$250.00} Cashback Bonus, the transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. '' In fact, the transaction was made on XX/XX/XXXX and the online order was picked up on the XXXX. The promotion does not indicate that the preauthorization must become a full authorization by the offer date, that is bank business and a clever loophole for bank/credit fraud XXXX
Frequently Asked Questions
What is Complaint #8152354 about?
Complaint #8152354 was filed against Discover Bank regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-01-11T12:00:00-05:00.
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) 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.