Consumer complaint received 2022-03-05
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I previously submitted the complaint to you on XX/XX/XXXX through your websiste. You emailed me that you contacted Discover Card, and they were processing the refund deposit within 60 days! The refund should have been sent 6 weeks ago. Why should they have any more time? When I phone them now ( several times ) to find out if it has been mailed out ( so I can watch for it ) I am put on hold and no one picks up. This is another delay tactic of Discover Card to continue using my funds to make interest on the money. I wonder how many hundreds or thousands have been intentionally mistreated this way. I bet some people just give up ; then Discover Card just keeps their money. Do you think it would do any good if I sue them in small claims court? Or if I try to find others who have been deceived like this and file a class-action lawsuit? I was also told that if they can not refund to a bank account unless they send checks twice that are not received by me. Another delay tactic. Can you please help? 

Thank you XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here is the previous complaint I submitted to you XX/XX/XXXX : " Discover Card Company ... secured credit card deposit REFUND. I applied for a secured credit card by phone ( around the end of XX/XX/XXXX or beginning of XXXX, XXXX ) with several follow-up calls, and also sent info by email. The process was complicated and frustrating ; their agents each told me different answers to questions. I let them debit my checking account for {$300.00}. 

After I submitted the deposit, I was told to call to activate the card. I called. They said that they needed three months bank statements. I had moved from XXXX XXXX  to XXXX, XXXX, recently closed my checking account in XXXX, opened a new one in XXXX, and did not have easy access to 3 months statement. Waiting for 3 months for new bank statements was longer than the amount of time they were allowing to submit the information. After so many phone calls, several requests from them for me to submit additional information, being put on many long holds, and being transferred from agent to agent, I decided during the activation process to cancel the card. It was " NEVER ACTIVATED '' and could not be used. 

The agent cancelled the card and said it would take 2 monthly payment cycles plus 10 days to send me a refund check on XX/XX/XXXX. Later, I spoke to an agent who told me that since the card was not activated, I could receive an expedited refund in 13 days. No refund came to my account or by mail. I called and was told no refund issue was in their records, and that they would re-submit the refund request ; it would take another 13 days. 13 days passed, and no refund. I called and was told the records showed a refund was authorized ; but no action had been taken, that my conversations with approximately 12 different agents did not show in their records, and it would take another 13 days! No refund came. With various 'stories ', they have continually, intentionally delayed the refund ; and I am concerned it will never be refunded! I suppose some people just give up. I believe they cheat people out of refunds and/or delay refunds to increase their " interest income ''. Can you help me to receive a prompt refund? Discover Card has my current address. ''

Company response to consumer: Closed with explanation