Consumer complaint received 2022-09-02
Company: DISCOVER BANK
State: GA
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:
Discover Card is Blocking me from Activating my Approved Card after negatively impacting my Credit Scores on XX/XX/2022 and sending False Advertisement Emails which appears as if you can activate the approved card, however, the online system is Nott allowing me to Activate my approved Discover Credit Card online or via the XXXX number, unless I sign a 4506-T form to turn over my Tax Transcripts! This is completely a " Bait and Switch '' tactic. I also called back the representative who claim the initial Claim I submitted to CFPB was being reviewed and to reach out to his direct Customer Advocacy line, however, I receive ZERO response when I attempted to reach out and also left him a Voice mail as well. 

I am now not being allowed to Activate my Approved Discover Credit Card because I did not agree to sign a release of a 4506-T sent by XXXX to Release my Tax Transcripts!!!! 


The Prior submittal consisted of the following content : " I recently applied for Discover Card on Wednesday - XX/XX/XXXX at XXXX and received an Approval Notification stating that I would receive my card within 5-7 Business Days and was Congratulated on the Offer. However, I then received a " bait and switch '' notice on Saturday - XX/XX/XXXX requesting a copy of my Tax Transcripts which Discover Card had XXXX ( XXXX XXXX XXXX  ) send to my email requesting that I submit a Form 4506-T, after they had approved my Credit on XX/XX/2022. Also, my scores took a negative hit on XX/XX/XXXX, after applying for the Discover Rewards Card. Also, this a Discriminatory Practice against XXXX XXXX XXXX  who are heavily and unnecessarily scrutinized for applying for a Discover Credit Card. This request was very biased and subjective with their random requests. This is an issue because Discover has already verified my Credit and identified other open lines with major companies. So, the " bait and switch '' is an illegal discriminatory practice targeted heavily towards XXXX XXXX XXXX. There are other ways to verify a customer versus requesting your Tax Transcripts via a 4506-T Form they forced XXXX to send out as their 3rd Party Vendor who has also been sued for Security Breach issues as well. When I called Discover Card on XX/XX/XXXX, after receiving this outrageous and outlandish request which also alludes to FALSE Advertisement and Misrepresentation when applying for Credit that was approved on XX/XX/XXXX, I was threatened by the Customer Service Representative and Discover Card that if I did not turn over my Last 2 Years Tax Transcripts, they would Cancel the card which was enroute and I would not be able to utilize the card. After, I informed them that I would not turn over my Tax Transcripts, based on this biased and blatantly Discriminatory practice which also evades and violates my privacy as U.S.Citizen, XXXX XXXX XXXX  Female, and U.S. Veteran, they threatened me again and said they would Close my account, after they had already approved the account on XX/XX/2022. Bait and Switch is against the Law. I only applied to receive a Credit Card and have never had a Credit Card Company request your IRS Tax Transcripts. This is also a typical Stereotype that Discover Card Financial Services has towards XXXX XXXX XXXX  - implying we don't trust you or believe you are eligible to receive this card, so prove it! '' This Stereotypical behavior is also Biased, XXXX, and XXXX. I received the Card and can not use it unless I turn over my Tax Transcripts or the Creditor Discover Financial Services has threatened to Close the account which would further Negatively Impact my Credit Score. This is Wrong and Illegal. You have Negatively impacted me already on XX/XX/2022, after I applied for the Credit and now you want to Negatively Impact a XXXX XXXX XXXX  Female who has stated " No, I am not turning over 2 years or any year of my Tax Transcripts to Discover Card for a Credit Card that was already approved on XX/XX/2022. ''

Company response to consumer: Closed with explanation