Consumer complaint received 2023-07-17
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Consumer Financial Protection Subject : Summary of Discover Banks Violation of Equal Opportunity, Partiality, and Malicious Compliance of Extension of Credit Dear Sir/Madam , I am writing to provide a summary of the concerning conduct by Discover Bank that has raised serious questions regarding equal opportunity, partiality, and malicious compliance of extension of credit. I believe that Discover Bank has engaged in practices that infringe upon the rights of consumers and violate the principles of fair lending. I am seeking your assistance in addressing these issues and ensuring a just resolution. I have sent letters and even spoke with them over phone calls and it complicit bias, with no concrete reasoning to their decisions. 

The following summarizes the concerns I have regarding Discover Banks conduct : 1. Violation of Equal Opportunity : It has come to my attention that Discover Bank may have violated equal opportunity regulations, which ensure that consumers are treated fairly and without discrimination based on their race, gender, ethnicity, or other protected characteristics. I believe that Discover Banks lending practices have displayed bias or unequal treatment towards certain individuals or groups, thereby denying them equal access to credit opportunities.

2. Partiality : Discover Bank has shown indications of partiality in its extension of credit. There are concerns that decisions related to granting credit or establishing credit limits may have been influenced by factors outside of objective criteria, such as personal preferences or biases. This partiality undermines the principles of fair lending and equal opportunity.

3. Malicious Compliance of Extension of Credit : I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. It is crucial to determine if Discover Banks actions have indeed violated equal opportunity regulations, displayed partiality, or engaged in malicious compliance of extension of credit. I believe that the following actions should be considered as part of the investigation : Evaluation of Discover Banks lending practices, including reviewing loan applications, credit decisions, and credit limit determinations. 
Analysis of data and metrics to identify any patterns or discrepancies that indicate potential bias or partiality in lending practices. 
Assessment of Discover Banks compliance with fair lending laws and regulations, particularly those related to equal opportunity and responsible lending. 

I appreciate your attention to this matter and request that appropriate actions be taken to rectify the situation. If any further information or documentation is required, please do not hesitate to contact me. 

Thank you for your time and assistance in addressing these concerns. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and ensuring fair lending practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation