Credit card -- Getting a credit card -- Complaint #7562475
Complaint Overview
Complaint ID: 7562475
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Connecticut
ZIP Code: XXXXX
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISCOVER has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH DISCOVER where DISCOVER ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact DISCOVER has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined 15 USC 1691a has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit causing me to suffer and experience harm and has discouraged me from extending further credit. DISCOVER instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in telling the follow the XXXX perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY DISCOVER. Notice it is a fact DISCOVER is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND DISCOVER AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. DISCOVER HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE XXXX AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM XXXX AND IRS FORM XXXX AGAINST DISCOVER. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON..
Frequently Asked Questions
What is Complaint #7562475 about?
Complaint #7562475 was filed against Discover Bank regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-09-17T12:00:00-05:00.
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) 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.