Consumer complaint received 2017-03-08
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Three days ago, I decided to write a check to pay the balance of my Discover card for just over {$1200.00}. The payment posted today and I called to inquire why, in three years, my account has never been reviewed for a credit limit increase. The rep placed me on hold, then came back on the line and shocked me by stating my account had been revoked due to a bankruptcy. She explained she has to transfer me to another department. I assured her I have not claimed bankruptcy but she insisted. I was transferred and the new rep, a rather rude young man, asked me incredulously why I would be seeking a credit limit increase since I had filed bankruptcy. I explained to him I had not filed bankruptcy but he was convinced and told me he can not handle bankruptcies and I needed to be transferred to the bankruptcy department. He did as he insisted, despite my objections, and the line rang to a number for which the recorded message indicated they were closed and I would need to call back the following day before XXXX EST. The line then hung up. This was around XXXX PST. I tried calling Discover again but now, when I put in the last XXXX of my social, it simply gave me a number to call and disconnected on me. I called again and the same thing. I decided not to put my social in and simply get to a representative and speak to a supervisor. I reached a supervisor and explained the situation. She then started saying the previous reps misspoke indicating it was due to a bankruptcy but assured me she would call. After nearly 40 minutes on hold, she returned to the line to state I needed to call the other department and yes - they were closed. I exclaimed to her that I HAVE NOT FILED BANKRUPTCY but she could care less. I told her I would not be chasing down department after department to correct their mistake when my account shows in good faith I just paid my balance. I was not in collections and my account has always been in good standing with Discover. I told her I would be calling CFPB about this matter but, her attitude was such that she could not be bothered with my trivial issues. Here I stand now, an account paid off with my calling to wonder why they have not granted the courtesy to increase my account limit and yet I 'm told they revoked my account - on XX/XX/XXXX! Today is XX/XX/XXXX and there 's no letter or other notice. When I originally called in, there was no automated referral to an east coast number ; now there is. They offer no solutions or explanations and the rep readily admits she can not understand why the account was revoked. This will appear negative on my credit report as a revoked account and yet Discover treats me as if I am number, a warm body, occupying a phone line. Please help me to resolve this matter. Discover can not get away with doing this random act of evil to a good standing account holder and then with careless disregard, make me waste my time to chase down various departments only open during inconvenient hours to resolve the issue they obviously created and then to make matters worse, take a hit to my credit report!!

Company response to consumer: Closed with explanation