Consumer complaint received 2023-07-10
Company: DISCOVER BANK
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Consumer Financial Protection Bureau Complaints Division 1700 G Street NW Washington, XXXX XXXX Date : XX/XX/XXXX Subject : Complaint against DISCOVER BANK for Multiple Violations of Federal Law I am writing to register a formal complaint against DISCOVER BANK for the numerous violations of federal law pertaining to my account. I seek your intervention to ensure that DISCOVER BANK promptly addresses and rectifies the issues outlined in this letter. 

Discrimination Violation ( 15 U.S. Code 1691 ( a ) ) : DISCOVER BANK 's arbitrary reduction of my credit limit, without any valid reason or due process, is specifically targeted at me. Such actions blatantly contravene the provisions set forth in federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. DISCOVER BANK 's decision to decrease my credit line without my consent, knowledge, or benefit is not only a violation of federal law but also constitutes a breach of fiduciary duty. 

Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : DISCOVER BANK claims compliance with the Equal Credit Opportunity Act and all applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors mentioned in a DISCOVER BANK document dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). By unlawfully utilizing information obtained from consumer reports, DISCOVER BANK has engaged in discrimination against me, which is expressly prohibited. This conduct also violates the Graham-Leach-Bliley Act ( 15 USC 6802 ( 1 ) ), as my nonpublic personal information was disclosed without written consent. 

Previous Violations of Federal Law and Damages : Furthermore, I want to draw your attention to previous violations of federal law documented in CFPB complaint ID # XXXX. These violations include breaches of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have suffered financial harm, mental anguish, emotional distress, and an inability to support my family, address essential household repairs or improvements, or invest in my business during the COVID-19 pandemic, when financial assistance was crucial. 

Unwarranted Contact and Harassment : DISCOVER BANK contacted my sister, who has no accounts or relationship with them, on XX/XX/XXXX at XXXX XXXX  EST, using a phone number ( XXXX  ) XXXX that I never provided to DISCOVER BANK. This unwarranted communication, made without my knowledge, permission, or authorization, directly violates 15 U.S. Code 1692d and constitutes harassment. As a result, my reputation has been tarnished, my family has experienced significant disruptions, and I have suffered emotional distress. Moreover, this unwarranted contact has further worsened the adverse impact on my credit score resulting from the reduction in my credit limit. 

Unresolved Complaints : I must emphasize that none of my complaints previously filed with the Consumer Financial Protection Bureau have been adequately resolved. Please find below a list of the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX Ensuring Fair Treatment by Financial Institutions : It is of paramount importance to ensure that consumers are treated fairly by banks, lenders, and other financial institutions. I implore the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold DISCOVER BANK accountable for their actions. 

Thank you for giving immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief