Credit card or prepaid card -- Incorrect information on your report -- Complaint #6383753
Complaint Overview
Complaint ID: 6383753
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10011
Date Received: 2023-01-01T12:00:00-05:00
Date Sent to Company: 2023-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I filed a complaint with The CFPB after unsuccessfully trying to get Discover to honor their promise not to hold customers responsible for unauthorized charges. I had {$12000.00} in unauthorized charges that discover refused to protect me as they promise. Our took me about 18 months of back amd forth struggles with them. When I finallly went to the CFPB I won XXXX discover finally refunded my money. They were so angry that they lost that in retaliation they said they were closing both of my discovery credit cards. They claim that it was a business decision but that could not be the case because I was am excellent customer for almost 40 years. Discover was my first card when I was XXXX. I always paid on time and spent over {$100000.00} in the prior year. Closing the accounts of a customer like me was a very very bad business decision. I was told that it was XXXX himself, the CEO, who decided to be so spiteful and retaliate against me for exercising my rights and filing a complaint with CFPB. The problem for me is that this account is the account that Ive had the longest and it supports my credit score significantly. If the account is closed, my credit score will drop almost 100 points. I have been paying the final balance on my card the minimum amount for the past eight months or so to keep the account from being closed because of that Ive been paying a lot of interest. Eight months or so to keep the account from being closed because of that Ive been paying a lot of interest I believe it is unethical, immoral, and unfair, that I am being persecuted and penalized for exercising my rights and I request that my accounts be reinstated, because closing it for no good reason, except for spite, has a defamatory affect on my credit score. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty he closes the account of it, XXXX of his best customers simply for spite. I dont think the shareholders of Discover would be very pleased to hear that XXXX was so petty that he closed the accounts of it, one of his best customers who had been a loyal member for almost 40 years simply for spite. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you. I will appeal to the rest of the board into the shareholders directly if my accounts are not reinstated as they were in good standing thank you
Frequently Asked Questions
What is Complaint #6383753 about?
Complaint #6383753 was filed against Discover Bank regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2023-01-01T12:00:00-05:00.
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.