Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5528781
Complaint Overview
Complaint ID: 5528781
Company: Discover Bank
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
State: Florida
ZIP Code: XXXXX
Date Received: 2022-05-02T12:00:00-05:00
Date Sent to Company: 2022-05-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. Your discover card account has been inactive for XXXX months or longer and/or account has been closed. I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.
Frequently Asked Questions
What is Complaint #5528781 about?
Complaint #5528781 was filed against Discover Bank regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-05-02T12:00:00-05:00.
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.