Credit card or prepaid card -- Closing your account -- Complaint #4371824
Complaint Overview
Complaint ID: 4371824
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Texas
ZIP Code: 77373
Date Received: 2021-05-12T12:00:00-05:00
Date Sent to Company: 2021-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received an email from Discover. The email was requesting that I complete IRS Form XXXX XXXX XXXX. I first thought why & under what authority does Discover have to request my tax returns. I called Discover Credit Card & spoke to a Discover Representative & shared my concern. She advised me to ignore it because it was a scam, but I felt that she was not taking the matter seriously, so I asked to bespeak to the FRAUD DEPARTMENT. The Fraud Dept. Rep. advised me that Discover is demanding that I complete IRS Form so they can verify mt identity and taxes. I asked the Representative under what authority? I was told in a patronizing & sarcastic tone " IN THE CREDIT AGREEMENT '' I looked at the agreement & couldn't locate the wording. I asked the Rep.To please guide me to where on the agreement it states that Discover can at any time ask for my tax returns. The Rep.stated, " I don't know where it is ''. I asked to speak to a Supervisor and was told that a Supervisor was not available & if I don't comply my credit cards will be permanently closed. I had one Discover Card & since day one I have an EXCELLENT payment history.i had the card from XX/XX/XXXX until XXXX. I refuse Discover to have access to my Tax Returns. Allowing Discover access to my confidential IRS data is insane. They already have access to my entire credit reports from the credit bureaus & the authority to share all my private information with their business partners & affiliates.
Frequently Asked Questions
What is Complaint #4371824 about?
Complaint #4371824 was filed against Discover Bank regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-05-12T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.