Credit card -- Improper use of your report -- Complaint #8325538
Complaint Overview
Complaint ID: 8325538
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11208
Date Received: 2024-02-11T12:00:00-05:00
Date Sent to Company: 2024-02-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discover continues to report to the credit agencies after I sent a written letter to Discover requesting to opt out of credit reporting. Discover has confirmed that they did in fact received the latter sent to them In XXXX but will continue to report to the credit agencies despite my written and several verbal request for them not to. they instructed me to send the letter again to the same place and address. I spoke with supervisor XXXX, and supervisor XXXX who's operator ID is XXXX. i was explicitly told by XXXX that i would not receive the opt out form, I would not receive the original terms and conditions. XXXX said instead they would send statements. I was also told I would not receive a copy of the prospectus report because thats not something they send out. this is beyond ridiculous. Discover is ignoring my rights as a consumer and proclaiming adverse actions against me willfully by reporting to XXXX party non affiliates. please see attached file for letter sent to discover before printing and signing.
Frequently Asked Questions
What is Complaint #8325538 about?
Complaint #8325538 was filed against Discover Bank regarding Credit card specifically about Improper use of your report. It was received by the CFPB on 2024-02-11T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.