Consumer complaint received 2022-11-01
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for credit with Discover on XX/XX/XXXX. It was an online application. I was compelled to disclose my social security number. I could not proceed with the application if I did not disclose my social security number. The application was approved. Since opening an account with Discover, I have applied for an increase of my credit three times. I applied XX/XX/XXXX. I was denied, the reason they gave was insufficient experience with Discover. I applied again XX/XX/XXXX. I was denied again, the reason they gave was low usage on the existing line of credit in previous months. I applied again in XX/XX/XXXX. I was again denied but this time they did not give me a reason for their decision. According to the Fair Credit Reporting act, denying me an increase of my own credit is an adverse action. Discover has taken an adverse action against me. In the Fair Credit Reporting Act under 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse action- adverse to the interests of the consumer. Not only has Discover discriminated against me, they have caused me damages and injury. I have not made any late payments. I rarely carry a balance over to the next month. I keep my debt low to not have to pay a finance charge. I have purposely made extreme efforts to maintain a higher credit score. Consumer reporting agencies assume the role but they are not fair nor accurate. Discover has made consumer reports to consumer reporting agencies that have caused my score to drop. I did not consent to Discover reporting any negative remarks to any consumer reporting agencies. Yet they have, which is a violation of the Fair Credit Reporting Act. It is my understanding of the Equal Credit Opportunity Act that my account is an extension of my own credit and should be an open ended credit plan. Per 12 CFR 1002.2 Account means an extension of credit, the word use refers to open end credit. 12 CFR 1002.2 says an adverse action means a refusal to grant credit in substantially the amount or on substantially the terms requested in an application. I did not have the opportunity to request an open ended credit account on the online application. Since Discover compelled me to disclose my social security number, my account should be open ended credit plan. 12 CFR 1002.2 Open end credit means credit extended under a plan in which a credit may permit an applicant to make purchases or obtain loans either directly from the creditor or indirectly by use of credit card, check or other credit device. In the Truth in Lending Act, credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Every time I have participated in an employment transaction, they request my social security number. When I purchase automobiles the dealer requests my social security number, when I bought a house they asked for my social security number. So the social security card is in fact a credit card in which I am making indirect purchases from. It is in fact my credit. Discover is a corporation. Banks and corporations can not lend money or credit. I have extended my open end credit to Discover in turn to receive the benefit of using the card to make purchases indirectly from my own social security account. The social security card issued to me does have an account number and a routing number. While I am not the owner of the card issued to me, I am in fact the beneficiary of said account. The credit card is used to obtain money, labor, property or services primarily for personal, family, and household purchases. Discover sends me a statement in a positive balance but has not disclosed how to properly endorse the remittance coupon they attach with the statement. If I have to obtain labor to pay for credit it is not a benefit it is peonage. Credit is defined as the right granted by a creditor to a debtor to defer payment of debt or incur debt and defer its payment. I do not see where in this definition of credit am I supposed to pay for credit. I am granting Discover the right to defer the payment. If I am to incur the debt then Discover shall defer the payment. If me using the CFPB portal or any other consumer protection to obtain remedy causes me any further injury or adverse action it would be a violation of the Consumer Credit Protection act. Per 15 usc 1693l no writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this Subchapter. Nothing in this section prohibits however, any writing or agreement which grants to a consumer a more extensive right or remedy or protection than contained in this subchapter or given in settlement of a dispute or action.

Company response to consumer: Closed with explanation