Consumer complaint received 2018-05-02
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To : Consumer Finance.gov/XXXX 

Dear Sir/ Madam.

I would like to place complaint on Discover Credit Card Holders.

I had Discover Credit Card since XXXX. For all those years I did not had any problems to pay my bills in tame and I used Credit Card wisely. In XX/XX/XXXX Discover start calling me during my working time and demanding call them back immediately. I an XXXX  and during regular business hrs always busy with XXXX  and do not want someone was listening my conversation with Credit Card Customer Service. I call them on Saturday in end of XXXX after I trayed make payments on my balance. I found that my on-line access was blocked. I contact with customer service to asking why I can not access my account and representative was unable to answer on my question. He and start tell me some story about Social Security Office requested to check my identity. I was laughing on this news and I asked to connect me with Manager. I was communicating with not sure whom and this person told me that Discover send me letter with questionaries and I MUST to fill up it and add a couple copies of bills and IMMEDIATELLY send it back. I agree and after I received letter in beginning of XXXX I did what they ask me and mail letter back. I was waiting for one week and no answers and my account still not open. I call back to Discover, because I wanted make payment on my account and due date was XX/XX/XXXX. Representative again gave me some nonsense about checking my identity. I asked WHY NOW? I am with Credit Card for 9 years without any problems. What happens why they behave this way and make me so uncomfortable??? I did not receive answer. Again, some manager explains that on my SS number was opened account with different name and address and they need investigate this and send report to Credit Monitoring Companies. Here I begin to worried about this news. I did not saw my account transactions since XXXX and I did not knew balance and could not see all transactions. I ask about balance and decoded pay off my card right away. Manager accept XXXX payment through phone. I ask send me hard copy my card balance and he promised do so. I was waiting for 2 weeks, no statement, account still block, so I was so upset and call Discover again. No one was able to tell me what going on and why I did not receive statement and they informed me that my balance now XXXX , I was o upset and asked open my access I want to see transactions on my account and make payment, I decided pay off all what I owe this company and close account. I told about this to some Manager not sure who and pay off through phone again and REQUEST to CLOSE MY ACCOUNT. I explain that I dont want have deal with this Credit Card company who keep assaulting me for no reason without explanation without respect. I cut off card and requested did not bother me again. I to weeks I received E-mail from Discover. They informed me that THEY were unable to verify my personal information and Immediately closed my account. They informed that my Credit Score Will be affected this and recommended contact Credit Bureau directly. I still did not received hard copy of my statement and I did not saw my transactions for 2 months.

Please help me understood and resolve this issue. I still did not know why they behaving this way. I have other credits card, Mortgage, Student Loan, Car loan and no one contact with me regarding those accounts or problems with my identity. What it was about? Why Discover insulting me and now trying spoil my Credit History? I need to understood this and I need to see my statements and transactions for XXXX and XXXX. I am Providing Discover Card E-mai. 
With all my regards XX/XX/XXXX Important Info Regarding your Account Dear We are writing to notify you that we have closed your Discover card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Card member Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account.

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account.

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly.

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security

Company response to consumer: Closed with explanation