Credit card or prepaid card -- Trouble using your card -- Complaint #6271738
Complaint Overview
Complaint ID: 6271738
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: Pennsylvania
ZIP Code: 19606
Date Received: 2022-12-02T12:00:00-05:00
Date Sent to Company: 2022-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )
Frequently Asked Questions
What is Complaint #6271738 about?
Complaint #6271738 was filed against Discover Bank regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-12-02T12:00:00-05:00.
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.