Consumer complaint received 2023-02-27
Company: BANKERS HEALTHCARE GROUP LLC
State: NJ
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:
This notice is in reference to the correspondence I received from BHG XXXX on XX/XX/XXXX dated XX/XX/XXXX, in which an adverse action was committed against me and I have been discriminated against. Under the Equal Credit Opportunity Act any adverse action against a consumer and natural living man is against the law. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a consumer credit transaction when I have in good faith extended my credit to obtain an BHG credit card and now I am exercising my right under the aforementioned Title and Section. Under The Color Of Law, said adverse action is deprivation of my rights, discrimination and is a violation of the following but not limited to ; 15 U.S.C. 78j, 15 U.S.C. 78ff, 15 U.S.C. 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242 and the Consumer Credit Protection Act. 

In your letter you stated that my credit card account was closed due to you being unable to verify my information which is a misrepresentation of material facts. I have provided the requested documentation to verify my information on numerous occasions prior to account closure that has been completely ignored and proves your wilful noncompliance. On XX/XX/XXXX I sent a notice of dispute to BHG FINANCIAL via USPS Certified Mail along with proof that I have previously submitted the documentation requested from me. 

Initially, on XX/XX/XXXX I intitated a consumer credit transaction and in good faith I sent an application for a credit card excersing my right under The Consumer Credit Protection Act. On XX/XX/XXXX I received notification via email that my credit card application was approved with a {$8000.00} credit limit. About a week later I received the credit card in the mail and attempted to activate it. I was told by the automated voice message that my account was locked and to contact customer service. On XX/XX/XXXX I called the cardholder support line XXXX located on the back of the credit card and was told by the representative that my account was locked and would be unlocked once I submit documentation to verify my identity. 
I was told to send a copy of my drivers license and utility bill to XXXX. On XX/XX/XXXX I sent an email with the documents attached as requested. On XX/XX/XXXX I called again to confirm that my email and documentation were received and was told by the representative that he was unable to confirm if my email was received or not and that I should wait about 2 weeks to hear from a BHG representative. Approximately 2 weeks later on XX/XX/XXXX I called again to follow up about my account being unlocked and was told by the representative that the back office is still working on my issue and that I should receive an update within 2 weeks via a phone call. On XX/XX/XXXX I called again to follow and was again told that I should have an update within 2 weeks. I told the representative that I have been told numerous times that I would receive a call back from a representative and that my account would be unlocked within 2 weeks but I have not received a single call from anyone nor a confirmation that my email I sent on XX/XX/XXXX was received by the appropriate party. I asked for a direct extension to the department needing to verify my identity or a mailing address where I can send my documentation to and the representative said that there is no direct extension to that department and no address for me to send my documentation and that I would just have to wait until I receive a call back from someone within 2 weeks. I asked the representative if he could at least confirm that my documents were received and he said that he could not do that and suggested that I just re-send everything again in another email. 

After patiently waiting for an update and feeling very frustrated, misled and unencouraged, I sent another email to XXXX with my documentation attached on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX that my credit card account has been closed. 

On XX/XX/XXXX I called the cardholder support line and asked a representative : Why was my credit card account closed? 
And why have I never received an update about the documentation I sent that was requested from me to unlock my account? 

I was told by the representative that he does not know why my account was closed and I would just have to wait until I received a notice in the mail for an explanation. 

It is evident that BHG FINANCIAL and/or BANKERS HEALTHCARE GROUP LLC has been willfully negligent with addressing my concerns and ensuring that my consumer rights are not violated. Please be aware that I have proof of all communications such as telephonic, email and written correspondence in my possession. 

Further, I would like to inform you that it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S.C. 1691 ( c ) and you assume civil liability pursuant to 15U.S.C. 1691 ( k ), BHG FINANCIAL and/or BANKERS HEALTHCARE GROUP LLC has violated my federally protected consumer rights ; 15 U.S.C. 1642, 15 U.S.C. 1681m, 12 CFR 1002. Since the notice you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable under 15 U.S.C. 1691.

BHG FINANCIAL and/or BANKERS HEALTHCARE GROUP LLC should resort to reasonable procedures to rectify this ordeal and compensate me for the inconvenience and for the use of my Social Security Number . Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT pursuant to 15 USC 1602 ( I ). 

I am now invoking my specified remedy of having my credit card account reopened. 
In order to resolve this matter, in good-faith I therefore demand the following : Account closure suspended. 
Account block removed. 
Account reopened ; Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$8000.00} USD and/or maximum limit allowable by applicable law ( 15 U.S.C. 1602 ( j ) ). 

This is your opportunity to cure as well as your notice of fault for the servicing of the consumer credit card account.

Company response to consumer: Closed with explanation