Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( Security Breach Firm ) send to my email requesting that I submit a Form XXXX, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX Americans who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX Americans. There are other ways to verify a customer versus requesting your Tax Transcripts via a XXXX Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. 

When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX American Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. 

Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX Americans - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and Discriminatory.

I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX American Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''

Company response to consumer: Closed with explanation