Consumer complaint received 2019-12-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Sir or Madam, I understand now exactly why this bureau was created to help the people of the United States. My father was a part of the greatest generation ever ( XXXX XXXX XXXX  ) and is no longer with us. I mention this because it pertains to the disgust and mistreatment that I have endured with Discover. I and my wife personally have a couple accounts with them, all in perfect standing. The first account that I opened was several years ago. I always check and monitor my credit closely. Not to mention, maintain a 100 % payment history. Again, I have never missed or been late on a payment. This is true, not just with Discover, but with EVERYTHING. This is true, even during a recent life threatening accident that my wife had and the death of my father. To my astonishment, I received an electronic letter from Discover the night of XX/XX/XXXX, stating that my account had been closed arbitrarily, without me knowing about it. This account was in PERFECT standing with a XXXX  balance. When I inquired why, I was simply told that the reason was that I hadnt used it in a while. My wife and I have spent thousands with Discover, just this past year alone, and with the recent afore mentioned events, werent really thinking about which account or accounts we were using. Needless to say, any DECENT human being should be able to understand this. Furthermore, upon reaching out to them, I spoke with three individuals. Two of which seemed to be somewhat compassionate and understanding, frankly wanting to help. However, one such individual, named XXXX, was so disrespectful to me that I couldnt believe he actually said what he said. As I simply asked that my account be reopened, mainly due to the fact that it was in excellent standing with a XXXX balance, he responded to me by saying the following : Discover was in the business of making money, and that by not using the account I was actually costing them money. Well, I wasnt born yesterday and I have an XXXX in XXXX, I am more than FULLY aware that is absolutely false and a flat out lie. When I asked him what costs he could possibly be referring to, he gave me totally ridiculous reasons, such as sending emails, providing me with my credit score, and simply keeping the account open on a computer screen. Although, these were all completely asinine, the worst part of it was that I wasnt treated like a good client or even a human being, even after I mentioned the death of my father. He simply said that they didnt care if I was a happy customer or not and that FRANKLY, I wasnt making them any money. Not only is this not true because of the usage from three other accounts totally over {$20000.00} throughout the course of this year alone, but even if it was, that is not a justifiable reason to treat me as such, much less, blindly close my account. I am completely disgusted with such a ridiculous situation and by the way I was treated. I even offered to use the card immediately, if they really wanted me to. Simply, all they had to do was send me a communication, perhaps with an offer or an incentive, and I would have been happy to use the card for something. This treatment makes no sense and is really bad business on their part. I ask that you aggressively pursue a just resolution on my behalf and strongly suggest that Discover research the representative, XXXX, with whom I had the unfortunate pleasure in speaking with. Anyone with common sense or any sense of decency at all, would be able to understand that this is no way to treat a good client, and more importantly a person who has recently suffered personal trauma and a tragic loss. Their actions are disgusting and deplorable, making no sense even from a FINANCIAL perspective. I thank you in advance for your follow up in regards to this matter and to a hopefully swift resolution.

Company response to consumer: Closed with explanation