Consumer complaint received 2016-01-22
Company: DISCOVER BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I VIEWED A PROMO OFFER XXXX.THE PROMOTION STATED AFFILIATED OR PAID BY DISCOVER BANK TO PLACE THESE PROMOTIONS SO THEY CAN NOT BE DENIED BY DISCOVER BANK.THEY HAD A NUMBER OF PROMOTIONS AND THEY WERE NOT ALL THE SAME ON THE EXPIRATION DATES BUT I FOLLOWED THE FIRST EXPIRATION PROMO DATE.IT STATED THAT YOU COULD GET AS EXHIBITS SHOW, OF {$100.00} DOLLARS IF YOU OPENED A SAVINGS ACCOUNT AND DEPOSITED {$10000.00}. 
THE OTHER STATED THAT IF YOU DID XXXX DIRECT DEPOSITS OVER {$250.00} IN SIXTY DAYS OF OPENING CHECKING ACCOUNT YOU WOULD GET A BONUS XXXX.THE EXPIRATION ON THIS PAGE WAS XXXX XXXX, XXXX BUT OTHER IDENTICAL PROMOS HAD XXXX/XXXX/XXXX? AND SAME OTHER TERMS. 
ABSENT FROM ALL THESE PROMOS WAS ANY WORDS YOU COULD NOT ALREADY HAVE A CHECKING ACCOUNT, WHICH I DID, AND YOU COULD GET THE HIGHER BONUS IF YOU HAD A CREDIT CARD WITH THEM AND I DID.I LIKE TO CLARIFY AND MAKE SURE I AM ELIGIBLE FOR ANY AND ALL PROMOS AND COPY EVERY PAGE AND ALWAYS CONTACT THE BANK SO I AM FOLLOWING DICOVER BANKS EMPLOYEE APPROVAL OR DENIAL THAT I AM ELIGIBLE.WHEN I CONTACTED DISCOVER BANK I SPOKE TO AN EXTREMELY NICE EMPLOYEE THAT KNEW THE EXACT PROMOTIONS I WISHED TO CLARIFY.SHE WAS AWARE THAT I ALREADY HAD A DISCOVER CHECKING ACCOUNT AS SHE COULD SEE IT ON HER COMPUTER MONITOR.I ASKED HER IF I WAS QUALIFIED FOR THE XXXX BONUSES .SHE STATED YES AND SHE WOULD CLOSE MY CHECKING ACCOUNT AND I COULD OPEN A NEW ONE.IT IS SHOWN CLOSED BY HER ON AN EXHIBIT..I THEN PROCEEDED TO OPEN A NEW CHECKING ACCOUNT AND SAVINGS ACCOUNT AND I FULLFILLED ALL REQUIREMENTS.AND HAD MY CODE AND BOTH ACCOUNTS OPENED.I WAITED AND WAITED AS IT HAD NO DATE FOR POSTING BONUSES. I CALLED ON OR ABOUT XXXX/XXXX/XXXX AFTER 3 MONTHS, AND A DISCOVER BANK EMPLOYEE STATED IT WAS TO LATE AS SHE TRIED TO CONTACT MARKETING, BUT SHE COULD SEE MY ACCOUNT THAT I FULFILLED ALL, IN HER WORDS ALL THE REQUIREMENTS AND SO THIS WAS XXXX EMPLOYEES THAT CONFIRMED ALL WAS DONE PROPERLY, AND SHE SAID THE BONUSES SHOULD HAVE BEEN POSTED ALREADY AFTER SHE DILIGENTLY CHECKED THAT I FULFILLED THEM ALL.SHE THEN STATED SHE WOULD REMIT AN EMAIL AND I ASKED IF I WOULD GET AN EMAIL AS TO WHAT THE PROBLEM WAS.SHE STATED YES.I NEVER GOT ANY RESPONSE SO CALLED AGAIN ON XXXX/XXXX/XXXX XXXX SPOKE TO A VERY BELLIGERENT AND IMPOSSIBLE EMPLOYEE TO DEAL WITH.SHE STATED FIRST THEY GOT NO NOTICE I USED THE LINK, SO I AM NOT ELIGIBLE FOR ANY BONUSES PERIOD.THEN SHE STATED I WAS NOT ELIGIBLE AFTER I TOLD HER I USED THE LINK. I COULD SEND WITH DISCOVER BANKS PROMOTION AND A SCREENSHOT OF THE LINK I USED.THIS WAS BECOMING A GREAT BIG EXCUSE MAKING EXPERIENCE THAT WAS GOING NOWHERES FAST. 
NOW, I GIVE CREDIT WHERE CREDIT IS DUE.I HAVE HAD A DICOVER CARD FOR 20 PLUS YEARS .I ALSO HAVE A CD OVER XXXX XXXX XXXX IN DISCOVER BANK FOR TEN YEARS ALONG WITH OTHERS OVER THE YEARS.FACT IS ALL THAT TIME THEY HAVE BEEN EXTRAORDINARY AND THE BEST CUSTOMER SERVICE OF ANY BANK I HAVE EVER ENCOUNTERED, UNTIL NOW XXXX.I WAS QUITE SHOCKED AT THE VERBAL, WHAT I CONSIDERED ABUSE, AND EXCUSE MAKING AND KICKING THE CAN DOWN THE ROAD TO DISCOURAGE ME.BUT THIS TACTIC IS NOT NEW TO ME AT ALL, AS TO MANY BANKS HAVE DEVOLVED INTO THINKING RULES AND LAWS APPLY TO OTHERS AND CUSTOMERS BE DAMNED. I TOLD HER DISCOVER BANK IS RESPOSIBLE FOR EMPLOYEES WORDS AND ACTIONS AND SHE SAID NO THE PERSON MADE AN ERROR, IN FACT XXXX DID NOT MAKE ANY ERROR AS THEY STATED.SHE THEN TRIED TO MAKE ME FILE A COMLAINT WITH DISCOVER WHICH I TOLD HER WAS LIKE PLACING THE FOX IN CHARGE OF THE CHICKENS. I DID FILE THE THING SO SHE COULD NOT SAY I REFUSED.I ALSO TOLD HER DISCOVER BANK IS ALSO RESPONSIBLE TO TRAIN PROPERLY SO CUSTOMERS CAN GET CLEAR AND CORRECT INFORMATION FOR CUSTOMERS.THEY HAD MY MONEY AND THEN THEY DECIDE HOW CAN THEY CONVINCE YOU DID NOT QUALIFY AND NEVER ALERT YOU EITHER.THEN ARGUE AND MAKE EXCUSES INTO XXXX. SCAMS NEED TO STOP AS THE PUBLIC IS FED UP.

Company response to consumer: Closed with monetary relief