Consumer complaint received 2021-09-16
Company: DISCOVER BANK
State: PA
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:
I was declined for a open end consumer credit plan and wasnt sent the adverse action. The law is very clear in this matter. 

15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application.

( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request.

15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; 15 U.S. Code 1602 - Definitions and rules of construction ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

( l ) The term 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.

Company response to consumer: Closed with non-monetary relief