Credit card or prepaid card -- Closing your account -- Complaint #7331365
Complaint Overview
Complaint ID: 7331365
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: Armed Forces Pacific
ZIP Code: XXXXX
Date Received: 2023-07-31T12:00:00-05:00
Date Sent to Company: 2023-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was approved for the Discover card in XX/XX/XXXX while XXXX to XXXX. I used the card a few times online and for a balance transfer. After that, my card was declined multiple times since then and I was unable to take advantage of the 0 % introductory rate due to Discover having a security lock on my account. I was told I had to complete the IRS 4506-C form and wait for the IRS to confirm my identity. My card was unavailable for use until the IRS sent that form back to Discover. I was at the mercy of the IRS 's timeline as to when the form was complete by the IRS. Still being XXXX my credit card was never turned back on. I was told I needed to call them. I was unable to call due to being XXXX. I went on leave in XXXX of XXXX and was finally able to call Discover. I was told my account was closed because I never completed an identity verification form notarized and sent back to Discover online. I am XXXX XXXX XXXX XXXX and have not been able to get back to the US to call them. They have a chat function which I was utilizing via horrible Wi-Fi. I pay my bills via Wifi online. Discover discriminately closed my account due to my XXXX XXXX status. This is a violation of the Servicemember 's Relife Act ( SCRA ) and the SCRA was created for this exact type of scenario ; to assist XXXX XXXX members from predatory lenders defaulting to their policies that exclude XXXX XXXX specifically. Had I been a civilian sitting in the US, I could have access to a serviceable phone in order to contact this lender in regards to my account. Discover says they closed my account on XXXX XX/XX/XXXX, after they contacted me via email requesting I fill out another identity verfication form and to get it notarized. I did that, paid {$10.00} for a notary at The XXXX XXXX and they still closed my account and state in the attached chat that they weren't successful in verifying the documents that I submitted.
Frequently Asked Questions
What is Complaint #7331365 about?
Complaint #7331365 was filed against Discover Bank regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2023-07-31T12:00:00-05:00.
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.