Consumer complaint received 2021-05-13
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I get an email again letting me know that I have been approved and should be getting a card in the mail within 5-7 days. On XXXX XX/XX/XXXX I received another email stating a new credit injury has been detected and was from Discover. This all happened before I have even received my card in the mail. On XX/XX/XXXX my card came in the mail and stated to call In order to activate it. Right away my husband and I noticed my last name was spelled wrong and I also wanted to add him onto the card. I called the number and asked them if they could change the spelling of my last name because it was spelled wrong and I wanted to add my husband and they told me before they could do that I would be sent an email to fill out a form. While waiting for the form I continued talking to the lady and she told me once I filled the form out they could do the changes or I could fix it on my end by using the website. When I received the email it was a pre filled out form where I inputted my name and then signed but it was odd that it was a IRS form. When I signed and sent it back I called them back to ask about the form. They told me the form was to verify my identity and to make sure what I put on the application matched what IRS had. So, I asked how long does it normally take before they would receive what they needed back from IRS and they stated the time frame is unknown. So, every few days I would call to check in. On XX/XX/XXXX I called to see what the status was they told me that they received the information back on XX/XX/XXXX and that my account was closed. I was confused because I have never asked for them to open the account to begin with and asking why the account was opened if more information was needed? Then I asked them what was still missing that made them close the account? The response I received was that they do see what made them decide to close the account but they can not give me that information. With me asking what was the reason and they are looking at it but can not give it to me did not sit well with me. I asked them if this will be reported to my credit report due to me not even activating the card at all and they stated yes it would be on my credit as a closed account but thats not fair. I was told that it is a disgrace on my end and that there is nothing they can do or I can do about it. This is poor customer service and is fraud to have people get approved and then a injury is put on their credit before they even get the card to activate but then when they call the activate it they have to fill out a form and then wait for the information to get back to them just to find out your account has been closed based on something you cant even know. When reviewing the form that was sent to IRS it asked for the taxes for XXXX year taxes and not even XXXX  which would of matched up with the information put on the application to begin with. So, innocence they played us and knew what they did and they are doing it to so many others out there.

Company response to consumer: Closed with explanation