Credit card or prepaid card -- Trouble using your card -- Complaint #6224810
Complaint Overview
Complaint ID: 6224810
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: Credit card company won't increase or decrease your credit limit
State: Georgia
ZIP Code: 30314
Date Received: 2022-11-20T12:00:00-05:00
Date Sent to Company: 2022-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I realized this inaccuracy on XXXX Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following. I have called this company several times throughout this year and asked for the suspension on this account to be removed. However, I am being told over the phone, that Discover checks my Consumer Report every month. Yet, Im being denied a credit increase and Suspension removal. Discover Financial Services is also reporting to third party companies my private credit transaction information. I mailed a letter on XX/XX/ and have received no response. As a result, I have been denied mortgage loans and Auto Loans. According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I would like to inform that I NEVER gave consent to this report being furnished on my behalf and I am also aware of the fact that Discover Bank XXXX Discover Financial Services assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Therefore, this company has not only infringed my right to privacy but also denied me an extension of credit, reported in accurate information and violated multiple FEDERAL LAWS.
Frequently Asked Questions
What is Complaint #6224810 about?
Complaint #6224810 was filed against Discover Bank regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-11-20T12:00:00-05:00.
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.