Discover Credit Card Complaint

Advertising and marketing

Discover Credit card department,

Advertising and marketing Illinois

I have had a Discover card since - in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached - which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and - - and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately $11000.00 in -. The whole year I 've only earned $270.00 in cash back bonus but spent $41000.00 on my Discover Card. So my cash back bonus should be $410.00. I find out that because my anniversary date of joining Discover is in - my cash back is only - up until I spend $3000.00 in -. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of


new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays - over one that pays 1 %?? Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the - - scam. Discover Card ca n't get away with ripping off long-time customers.

Discover customer in Illinois
Jan 04, 2017

* Source: CFPB Complaint Database

Discover response to complaint:
Closed with explanation

Created with Highcharts 4.2.3DiscoverComplaint HistoryComplaints1/20122/20124/20125/20126/20127/20128/20129/201210/201211/201212/20122/20133/20134/20135/20136/20137/20138/20139/201310/201311/201312/20131/20142/20143/20144/20145/20146/20147/20148/20149/201410/201411/20141/20152/20153/20154/20155/20156/20157/20158/20159/201511/201512/20151/20163/20164/20165/20166/20168/201611/201612/20161/20170246810Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3DiscoverAdvertising and marketing59.3%12.9%22.1%3.6%2.1%Closed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed without reliefIn progressSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageAdvertising and marketing0.0%19.9%3.4%1.3%0.4%12.3%62.4%0.3%Untimely responseClosed with non-monetary reliefClosed without reliefClosed with reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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https://www.discover.com/
224-405-1747
davidnelms@discoverfinancial.com
P.O. Box 30943 
Sale Lake city UT 84130
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