Consumer complaint received 2023-06-07
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Subject : Account Closure and Inability to Apply for Discover Credit Cards Dear Discover Financial Associate, I am writing to address an ongoing issue that I have been experiencing with my Discover account and the subsequent denial of my recent credit card applications. After a thorough investigation, it has been confirmed that the account in question is indeed mine. However, I find myself trapped in an unbreakable cycle as I am continuously denied any new Discover credit cards solely based on the presence of my existing account, as repeatedly stated in the denial letters I have received. 

While I understand that my previous account was closed, it is disheartening to note that this circumstance appears to indefinitely prevent me from applying for any Discover credit cards. The denial letters consistently cite the existence of my previous account as the sole reason for the denials, leaving me caught in an unbreakable loop with no viable solution. 

I kindly request that Discover Financial Services reconsider their policies and procedures surrounding the treatment of customers in situations similar to mine. It is crucial to acknowledge that individuals ' financial circumstances can evolve and improve over time. Relying solely on the presence of an existing account as the basis for denying credit card applications undermines the opportunity for customers to demonstrate their creditworthiness and benefit from the services and advantages your credit cards provide. 

I urge Discover Financial Services to take into consideration the following points, which highlight my qualifications and creditworthiness : My credit score of XXXX, which reflects a strong credit history and responsible financial behavior. 
Consistently making timely payments on all existing credit cards, indicating reliability and commitment. 
Being a loyal and responsible customer of several large credit card companies, further showcasing my ability to handle credit effectively. 
Given these compelling reasons, it is unjust to continue denying my applications for Discover credit cards solely based on the presence of my existing account. I kindly request that Discover Financial Services reevaluates their policies and procedures, allowing for a fair and comprehensive assessment of my creditworthiness and eligibility for Discover credit cards. 

I trust that Discover Financial Services will thoroughly review this matter and consider the impact of the unbreakable cycle created by the denial reasons. By adopting a more flexible and customer-centric approach, Discover can empower deserving individuals like myself to benefit from your credit products and services. 

Thank you for your attention to this matter. I eagerly await a favorable resolution that recognizes the need for fairness and flexibility in assessing creditworthiness. Please feel free to contact me if any further information or clarification is required. 
-- -- -- -- -- -- -- Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation