Credit card or prepaid card -- Closing your account -- Complaint #5851653
Complaint Overview
Complaint ID: 5851653
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: Maryland
ZIP Code: 20735
Date Received: 2022-08-06T12:00:00-05:00
Date Sent to Company: 2022-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 my account was closed and that is unlawful Pursuant to 12 CFR 1002.7. 12 CFR 1002.7 - Rules concerning extensions of credit. CFR 1002.7 Rules concerning extensions of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. ( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Frequently Asked Questions
What is Complaint #5851653 about?
Complaint #5851653 was filed against Discover Bank regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-08-06T12:00:00-05:00.
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.