Credit card or prepaid card -- Trouble using your card -- Complaint #5750690
Complaint Overview
Complaint ID: 5750690
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Florida
ZIP Code: 32405
Date Received: 2022-07-08T12:00:00-05:00
Date Sent to Company: 2022-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im a XXXX from XXXX and I arrived here in the United States on XX/XX/2022. I tried looking for a credit card that doesnt need credit scores in order for me to apply since I havent established yet because Im new here in US XXXX My friends recommended Discover credit card and I tried that one. The application was easy, they just ask for gross annual income, monthly rent, and personal information, then youre approved already. The arrival of the credit card was prompt, upon acquiring it, I immediately activated it to start building credit score. After a week, I received a call and an email that I need to provide them a notarized form and a 3 month bank statement, which obviously I dont have since Im new here in the US , so I cant comply with that. I told them that I arrived XXXX of XXXX this year, so I thought I will be given consideration, but unfortunately they sticked to their deadline, leaving me no choice but to close the account. But before closing, I paid the pending payment. I asked them if this will affect my credit score, they dont know. They said I should just call the credit bureau, but I dont have any idea with that. As a newcomer in a foreign land, Im quite nervous since it might affect my credit score and unable to apply for other companies or banks because of that scenario. My friends also face this unfortunate case. I hope this will be resolved soon and give peace of mind to us new XXXX here in the United States. Thank you.
Frequently Asked Questions
What is Complaint #5750690 about?
Complaint #5750690 was filed against Discover Bank regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-07-08T12:00:00-05:00.
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.