Credit card -- Trouble using your card -- Complaint #9693916
Complaint Overview
Complaint ID: 9693916
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Illinois
ZIP Code: 60616
Date Received: 2024-08-01T12:00:00-05:00
Date Sent to Company: 2024-08-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attempted to purchase grocery using my Discover Card, and a message on the machine called out 'card unauthorized ', please try using another form of payment. Yes, very embarrassing, especially since that was the only card I brought with me to the store. Before I proactively reached out to Discover Card, I received a letter from them by standard U.S. Postal on XX/XX/XXXX, it was dated, XX/XX/2024, and stated that they have made a business decision to close my account because it is not being used as intended. Interestingly, I receive many advertisements from Discover soliciting other services or products they offer, but have never received a phone call, voice mail, text, email or any other communication regarding any concerns with concerns around how my card is being used. There was no phone # on this letter, so I called their customer service line at XXXX. I was transferred to their Customer Protection Department (? ), the representative said, yes, we've made a business decision to close the account, and could offer nothing else, but perhaps I want to re-apply. I asked for a supervisor, she said there's no one else to speak to but her, there is no supervisor for me to speak with, and again, if I have any questions write to the address on the letter. Why would I reapply for a card that I've already earned the privilege of having, additionally, now that I've lost my job, what legitimate credit card issuer is going to approve me for credit, etc.? She continue to repeat her response, so I thanked her for the time... This impromtu closure impacts my credit report and ratings, and presents hardship. Over the years Discover Card has sent me an abundance of junk mail soliciting their many other services and products, but on no occasion initiated a single notice or warning of any kind, through any form of communication regarding a business decision that " they are 'considering " closing my credit card account, and here 's what's needed to prevent that from occurring ''. Clearly, this would have allowed me to adhere to some unknown expectation/s that they felt I did not meet/am not meeting. This type of business extended by Discover Card was unexpected, disappointing, and will cause hardship. It should not have occurred. I need other consumers to know of my experience with Discover Card.. Since I've had this card, almost 3 years, I've had only 2 late payments. I'm pondering on if the majority of Discover Card customers impacted with these type of inappropriate and unforeseen business decisions made by the company impact predominately minorities or others from marginalized groups struggling to survive and provide, many of whom have still somehow managed to maintain a decent credit score.
Frequently Asked Questions
What is Complaint #9693916 about?
Complaint #9693916 was filed against Discover Bank regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-08-01T12:00:00-05:00.
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) 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.