Credit card or prepaid card -- Getting a credit card -- Complaint #5289761
Complaint Overview
Complaint ID: 5289761
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: New York
ZIP Code: 10011
Date Received: 2022-03-05T12:00:00-05:00
Date Sent to Company: 2022-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
YOUR IMMEDIATE ATTENTION, PLEASE CLARIFICATION/AMPLIFICATION : CFPB COMPLAINT # XXXX FILED BY TELEPHONE ON XX/XX/22 AGAINST DISCOVER BANK I APPLIED ONLINE FOR A DISCOVER IT SECURED CREDIT CARD. I DEPOSITED {$1000.00} IN DISCOVER BANK AS SECURITY. MY APPLICATION WAS APPROVED. I RECEIVED THE CARD. I ACTIVATED THE CARD BY TELEPHONE ; IT WAS IMMEDIATELY USABLE. DISCOVER BANK MAILED ME A FIRST-CLASS LETTER INFORMING ME THAT A TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD, THAT I NEEDED TO FILL OUT THE ENCLOSED ID VERIFICATION FORM, HAVE IT NOTARIZED AND MAILED WITHIN 14 DAYS ; OTHERWISE, DISCOVER BANK WOULD ABRUPTLY CLOSE MY NEW ACCOUNT AND RETURN MY {$1000.00} DEPOSIT. ( THIS ADDITIONAL REQUIREMENT WAS NOT PREVIOUSLY DISCLOSED TO ME. ) I SPOKE BY TELEPHONE WITH A SUPERVISOR IN DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT WHO TOLD ME THAT I DID NOT NEED TO SUBMIT A NOTARIZED ID VERIFICATION FORM. THAT I SHOULD DISREGARD THE FIRST-CLASS LETTER I HAD RECEIVED AND THAT THE TEMPORARY HOLD ON MY NEW CARD WAS REMOVED. I USED MY NEW CARD ONCE. I RECEIVED AN EMAIL FROM DISCOVER BANK STATING THAT A SECOND TEMPORARY HOLD HAD BEEN PLACED ON MY NEW CARD AND THAT I NEEDED TO SUBMIT A NOTARIZED ID VERIFICATION FORM QUICKLY OR ELSE. I TELEPHONED DISCOVER BANK 'S CUSTOMER PROTECTION SERVICES DEPARTMENT AGAIN TO RECTIFY THIS REPEAT PROBLEM, BUT NO SUPERVISOR WAS AVAILABLE TO AUTHORIZE IT. I FILED MY TELEPHONE COMPLAINT WITH THE CFPB ON XX/XX/22. I AM OUTRAGED BY DISCOVER BANK 'S SHAMEFUL AND UNNECESSARY HARASSMENT OF ME AS A NEW CUSTOMER! OBVIOUSLY, DISCOVER BANK IS BADLY CONFUSED AND DOES NOT KNOW WHAT IT IS DOING! I WANT THE CFPB TO COMPEL DISCOVER BANK TO IMMEDIATELY REMOVE ITS TEMPORARY HOLD ON MY NEW SECURED CREDIT CARD SO I CAN CONTINUE TO USE IT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, NY XXXX SINCERELY XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5289761 about?
Complaint #5289761 was filed against Discover Bank regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-03-05T12:00:00-05:00.
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.