Consumer complaint received 2018-01-11
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX I applied for a discover it sky miles credit card received an email about Completing my application so I called the number. In which at that point I was asked some questions to identify me ( I passed ) then I was told to verify the address provided on the application by sending in a pay stub to a secure link from an email they sent I did that and then called the number back at which time I was notified I was approved for a {$6000.00} Discover It sky miles card. I received my card on XXXX/XXXX/XXXX. I purchased airline tickets for two friends on XXXX/XXXX/XXXX paid my phone bill, purchased some XXXX gifts. Then on XXXX/XXXX/XXXX when I was trying to use my card I received an alert about suspicious activity. Again I called in verified my identity asked me about some transactions I verified those asked me about adding authorized users I said I did. Lifted the freeze the guy and I even joked about it be I said I guess Im shopping to much and his response was well its XXXX lol so I proceed to check my discover app and I get another notification to call ( I hadnt even charged anything ) so Im notified that a manager decided to put the security lock back on. This is when all XXXX breaks loose. I had to send a bank statement with my address on it in which I went to the bank and had it changed because I reside at multiple addresses ( thats not uncommon ) they are all in the same state due to the store Im a XXXX at has stores throughout various malls in NYS vacinity. Nonetheless I had one of my bank statements changed. Sent that in multiple times and was told a bunch of excuses they didnt receive it or it wasnt clear. Then I received a random call at the store I work at from an exec while in the middle of working with a client of mine answered some questions and told her Id call her back I called her back on XXXX/XXXX/XXXX she asked me questions about why I put authorized users on my account like its a problem with them when discover offers the option of placing authorized users on your account, why I had purchased plane tickets for them, why I chose to rent a room from them with the money I made. I wanted to curse her rude condescending tone XXXX out but I answered telling her I reside at multiple addresses in NYS in which some areas I pay a pretty penny when Im in that particular town I rent a room. Im speaking to a person in the executive office at discover who has me on speaker phone acting rude from the minute we got on the phone.She then told me shes sending out an form to sign to verify all of our identities. So I received said form signed it returned it on Monday XXXX/XXXX/XXXX along with my authorized users the form we signed was an XXXX XXXX form to verify our SSN. All the while Im like what the XXXX is going on Ive proved that Im me. Well they even played games with that I called Tuesday to see if they received it I was told no in which I had to re fax every document I had sent. Then called back and a rep told me they received it and it was submitted to the XXXX department. I called the next day to check and was told it would take a couple of days to hear back. Today XXXX/XXXX/XXXX I received a voicemail from the executive office in which I called back and was notified that they were revoking my account be the documents sent in were not clear? I went off I have faxed my SSN card, license, bank statement and I have proof that everything is clear. Im being unjustly targeted and discriminated against because I know for sure the woman in the executive office jealous tone and unprofessional manor that I spoke with on XXXX didnt want me to have the limit I was granted. Im not new to credit I have an XXXX, XXXX Line of credit, XXXX XXXX, Loan through my credit union. I have been accused of not being me when Ive identified myself and still get harassed and given the run around. To only be told my credit will now be ruined by a mark that says closed by credit grantor on my credit report. We are NOT criminals but have been treated as such! I will not stand for this no one deserves this treatment!

Company response to consumer: Closed with non-monetary relief