Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover Banks Deceptive Practices and Poor Customer Service I am writing to share my utter frustration and disgust with Discover Bank. The misleading practices and appalling customer service Ive encountered have caused me nothing but stress and disappointment. I initially opened a Discover savings account with the sole intention of receiving the {$200.00} bonus for depositing {$25000.00}, but since then, my experience has been nothing short of a nightmare. 

XXXX. The {$200.00} Bonus A Deceptive Offer When I opened the account, I was assured that I would receive the {$200.00} bonus once the {$25000.00} was deposited. However, the bonus never appeared in my account. I contacted Discover customer service and spoke with a supervisor from Ohio, who acknowledged that Discovers system sometimes has issues processing bonuses. She promised that if the bonus didnt appear, I could call back and she would manually apply it. Despite this assurance, the bonus has not been credited, and the issue remains unresolved. 

XXXX. System Failures and Incompetence My troubles with Discover didnt end with the missing bonus. For months, I struggled to link my external banks for transferring funds. First, I tried linking my XXXX XXXX account, but every attempt was rejected. This caused my XXXX XXXX account to be disabled multiple times. After three months of failed attempts, I gave up. 

Next, I tried linking my XXXX account, but the same issue occurred. Eventually, I managed to link my XXXX account, transferring {$25000.00} successfully into Discover. However, when I tried to set XXXX as an external bank for transfers from Discover, the status remained pending for days, and it never changed to verified. After contacting customer service again, I was told that XXXX wasnt linked on their end. When I tried to link it again, the system informed me that XXXX was already linked. Even worse, my XXXX XXXX account was rejected once again when I attempted to link it. 

XXXX. XXXX A Complete Disaster As if these issues werent enough, I also attempted to use XXXX for transferring funds from Discover, but I was unable to complete a single transaction. Every time I tried, Discover prompted me to update my contact details, including my email and phone number. Despite confirming that my information was up to date, the system repeatedly asked me to update it before I could use XXXX. This frustrating cycle has occurred over 100 times without resolution. 

XXXX. A Broken Promise and Continued Deception The primary reason I opened this account was for the {$200.00} bonus, and I met all the necessary requirements by depositing {$25000.00}. However, after months of waiting, I still havent received the bonus. I contacted customer service once again and spoke with a supervisor named XXXX, who confirmed that I had met all requirements and manually attempted to apply the bonus. She promised that the bonus would appear in my account within 45 days. 

XXXX assured me she would call me back on XX/XX/year>, between XXXX XXXX  and XXXX XXXX. I waited all day, but I never received a call. I later called her number at XXXX XXXX  and spoke with a representative who refused to address my bonus issue and offered no further assistance. 

XXXX. Discover Banks Complete Lack of Accountability This entire experience with Discover Bank has been an utter waste of my time and energy. While Discover does not have physical branches, this should not excuse its horrendous online system and lackluster customer service. The system is full of errors and is an ongoing battle, and the promised bonus has become a cruel joke. The level of incompetence, dishonesty, and total disregard for customer satisfaction Ive encountered is simply unforgivable.

Company response to consumer: Closed with monetary relief