Consumer complaint received 2020-12-16
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, Discover promised me an ACH payment of {$1300.00} for permanent credits on my account, as well as disputes found in my favor. Several agents including a manager told me the amount had been approved and sent for processing. This went on for three weeks. On the last possible day I was told it would've taken for the payment to show up in my bank account ( XX/XX/XXXX ), I noticed the money still wasn't there, so I called them to find out what was going on and they told me they canceled the payment and I would not be receiving that money. A supervisor called me later in the evening after I had requested to speak to a supervisor. I reminded her that all phone calls are monitored and recorded and I wanted her to listen to each and every one that took place since XX/XX/XXXX. Her response was that regardless of what was said to me and how many people said it, they would still not be send me payment. She also stated that the amount was never approved, even though I was told otherwise, by again several agents, and again on a recorded line. 

They duped me, and at XXXX time. They dangled my own money right in front of me for three weeks, then took it away a week before XXXX. The money belonged to me. Again, they were based on permanent credits I had on my account, as well as disputes found in my favor. This was why I was told I was receiving the money in the first place. Any balance I had on my account was irrelevant. In regards to that, I was told they could still send me payment for the credits, but that my card balance would just become higher. Furthermore, my balance was not due for more than a month after the reimbursement was requested. Just thought I'd bring that subject up, since the supervisor from XX/XX/XXXX told me there's no way they can send money to me for credits if there's a balance on the account. If that were the case, then why would A, three agents and a manager tell me otherwise and process my request, B, others approve the request, and C, two checks for over {$300.00} be sent to me for the same exact thing, even though there was a balance on my account?!?? Discover is nothing but a bunch of underhanded, deceitful crooks. 

Based on previous complaints with the CFPB that I have filed in the past, I know that your agency doesn't take the action they need to against financial institutions evenafter they've clearly violated consumer protection laws, and your agency is just about as useless as the XXXX. Worthless and hardly worth even a XXXX that is taken out of taxpayers ' dollars just to keep you in business. It's a joke. Which is why I am filing a lawsuit against Discover. I only filed this complaint to have what Discover did to me on record with what appears to be the only government agency regarding complaints about financial institutions.. and just in case one day you start doing your job and actually do something to help resolve an issue where clearly the business wronged the consumer ... Fat chance I know.

Company response to consumer: Closed with explanation