Consumer complaint received 2018-04-21
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for a Discover card as I had received numerous mailings via US mail from Discover in which a rate of 14.24 % -17.24 % APR was offered on each occasion. I was content with these presented rates and obviously expected the percentages Discover repeatedly offered when I applied. 

On XX/XX/XXXX I received my Discover card and immediately activated the card while simultaneously discovering that I had been inaccurately given a 19.24 % APR instead of the expected and guaranteed 14.24 % -17.24 % APR! 

At that juncture I instantly contacted Discover and began the attached discussions with Discover member of management, XXXX in an effort to address this matter to no avail. I was also instructed to transmit images of the recent flyer I received that explicitly offered the 14.24 % -17.24 % APR via electronic mail to XXXXXXXXXXXX and oddly, the flyer and my reasonable request to honor the offer was completely refused. I was then instructed to communicate with Discover Cards corporate offices. The attached documentation forwarded to the corporate offices were transmitted via US Certified Mail, signed for, and ultimately completely ignored. I then called Discover at XXXX per their e-mail request. This telephonic conversation resulted in Discover requesting that I fax them the mailed offers from Discover that guaranteed the 14.24 % -17.24 % APR which I did immediately to fax number ( XXXX ) XXXX. Two days later I had to call Discover again  as I received no reply to their requested fax and was told that the reason for this refusal after explaining my circumstances and the NUMEROUS 14.24 % -17.24 % APR offers was that the invitation code was not provided when applying. Where and when was this invitation code supposed to be provided? Most importantly, Discover was OBVIOUSLY comfortable with the repeated APR offers sent to me via US mail over and over again. 

Since Discover has sent me at least six offers and one XX/XX/XXXX and another on XX/XX/XXXX with the exact same 14.24 % -17.24 % APR being guaranteed, why would any code be necessary??? I just can not comprehend how this has occurred and I definitely can not understand why my rate would change on the day I applied but one week prior and several days later I received these flyers via US Mail explicitly offering the 14.24 % -17.24 % APR. 
WHAT IS GOING ON HERE? I definitely feel I was LURED into this card with lower APR offers than Discover evidently planned on providing! This is wrong. 


Finally, I am requesting that Discover please honor the 14.24 % -17.24 % APR REPEATEDLY proposed to me over the past six months. Alternatively, it would be reasonable for Discover to agree to remove all records of this Discover Card including the hard inquiries from the credit reporting bureaus. I know Discover is a good card as I have several friends that absolutely love Discover. I want to LOVE Discover. But I do not need to! 


Thank you for your time and efforts in amicably resolving this unreasonable situation.

Company response to consumer: Closed with explanation