Consumer complaint received 2023-10-24
Company: DISCOVER BANK
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUPDATE TO CLAIM XXXX XXXXXXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear DISCOVER EIN XXXX XXXX XXXX Asset-Backed Securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice it is fact that under the XXXX a " creditor can not deny any applicant credit on the basis that the consumer in good faith exercises a right. Notice it is fact under 15 USC 1602 Credit is defined as THE RIGHT GRANTED meaning it is a Inalienable Right. no fictitious corporation on paper can give. Notice it is fact I the consumer in the matter am in fact the Original Credit Card Holder and Original Creditor as defined under Truth In Lending 15 USC 1691a and DISCOVER is defined as the assignee of the Original Creditor. Notice it is fact I have entered into a consumer credit transaction with DISCOVER exercising my right to credit in hopes to extend credit to DISCOVER to perform their duties under the Federal Reserve Act and re extend my credits back to me. Notice it is fact DISCOVER received real lawful money in commerce via a Finance Charge and Credit Application ( ASSET/SECURITY ) but yet has discriminated against me denying me a Federal Protected Right to credit with them as well as within the banking system. DISCOVER has not only breached its fiduciary and Trust duties but has also discouraged me from extending my credit and lose confidence in the banking system. DISCOVER has stated to me that they have the Lawful Right to deny me a Federal Right because of a XXXX XXXX XXXX XXXX SCORE. Notice it is fact NOWHERE IN ANY FEDERAL LAW, STATUE NOR POLICY IT STATES ANY BANK CAN DENY A FEDERAL RIGHT DUE TO A FAIR XXXX XXXX SCORE. A Fair XXXX XXXX Score only details the ability of consumers to RE-pay on Finance Charges nothing more. Notice it is fact DISCOVER has obtained my CREDIT CARD and APPLICATION as an ASSET and SECURITY and has given me NO BENEFIT now in direct violation under 15 USC 1644 and 18 USC 242. Notice it is fact I have tried in many attempts to settle this matter before escalation In Good Faith and DISCOVER has assumed I am an uninformed consumer and has denied all oofers to settle the matter. Notice it is fact DISCOVER at the time of the initial Credit Application has Failed in its TRUTH IN LENDING requirements to disclose to me my Right To Recession within 3 Days after application. Notice it is a fact under TRUTH IN LENDING my deadline to Rescind my application is now 3 Years. Hence DISCOVER states they can not delete my application from their data base because it is in fact a Security which they are obligated to perform under the Security Exchange Act of XX/XX/1934and continue to discriminate against me denying me my right to credit I now exercise my right to recission under Congress law TRUTH IN LENDING and DEMAND DISCOVER to return to me my " ORIGINAL '' Credit Application

Company response to consumer: Closed with explanation