Consumer complaint received 2021-04-05
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover used information inaccurately, closed my account I did not know about this act, triggered hard inquiry, and unapproved credit card - continue to impact my credit negatively. Detailed letter attached. 

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Discover Application # XXXX This letter is in response to your letter dated XX/XX/XXXX, which is unapproved of a small credit account. This act is purely triggered by Discover not handling my account fairly and closing. Further, misled by the representative to apply for new card. Further, your letter is degrading and adding insult to the uncontrolled situation A background, which is now necessary : I am a victim of fraud - First in XX/XX/XXXX my business in Hawaii, has been fraudulently possessed by a group of people. This is the place I had a very significant investment and this was my home, where I spent over 15 hours a day and worked hard to grow. This premise of my business had all my investment, documents, including my credit cards. This heinous act by group of people left me with nothing. 
Please also note that this fraudulent action have been reported to XXXX of Hawaii. Further, I have taken legal action since past 3 years against this fraudulent activity and group of people. This action is active and on and I am waiting for the justice to be served. 
Second - in XX/XX/XXXX during the pandemic my SSN was stolen. This scammer is still on and sending letters and calling my cell phones. It is freighting enough to deal with such horrifying act. I have notified the IRS since this day and additional authorities as well. 
Domino Effect of uncontrolled situations : Third : COVID-19 - As I have been working hard to restore my personal and professional life, my cash flow suddenly stopped due to COVID-19. During this time I had no choice and had to utilize my credit cards to pay for necessities. It took me 6 months to begin having cash flow. 
Now to answer your letter dated of Key Factors : that were obtained from XXXX XXXX XXXX as per your letter ) Credit Score in your letter credit score iis blacked out unsure what it is? ( My credit score is XXXX XXXX Your factors in unfairly and inaccurately determining and my answers : 1. Key Factor 1 % credit limit is too high on revolving accounts. 
ANS : Please refer to all 3 of my facts above First, Second and Third. The entire Nation was impacted with COVID-19. Many businesses closed due to this. I as a normal average human was also impacted with this. To survive I utilized my credit cards. As of today XX/XX/XXXX I have paid down this card and brought my utilization to 20 %. This is because I am committed and hard working individual, and pay attention what is and what is not. 
2. Key Factor 2 Length of time accounts has been established.

ANS : I began to open up account as early as 2013 onwards ; right after my graduate studies, done paying my education.

3. Key Factor 3 Lack of recent installment loan information ANS : I had invested my own funds to my own business, and did not need to borrow any loan. Please refer to my fact above mentioned FIRST 1 4. Key Factor 4 Number of accounts with delinquency ANS : FIRST and FORMOST XXXX XXXX has NONE account that is delinquent. THIS IS EXTRMELY INACCURATE. 
Further, there is none account delinquent in any bureau. 
There is one account in dispute and at Arbitration. Please refer to my facts above. This was {$400.00} balance charged on my XXXX credit card a scammer company. I provided XXXX all supportive documents. XXXX failed to protect my money and made mess in y credit. It was never delinquent. 
There for your assessment to my account is highly INACCURATE. 
5. Key Factor 5 Number of inquiries on credit bureau ANS : Please refer to my FACT mentioned above. These inquiries are in the process of coming out of the lists. 
Your letter is written with inaccurate information, and reference is inaccurate as well. Discover indeed has treated me / my credit application unfairly. 
RESOLTION : The hard inquiry must be immediately : 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Discover Bank Re : Account # XXXX Further to CFPB complaint ID : XXXX, this letter addresses that my account is treated unfairly by Discover. Discover has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 
XX/XX/XXXX During my call to your support centre, your representative told me that your account is good standing and keep using it. 
XX/XX/XXXX - I tried to use my discover card and for the small transaction of sixty dollar and it was declined. I did not understand the reason. This very day, I called your support centre to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. It is inaccurate that my account was closed as a result of review? 

This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

This triggered a hard inquiry, that is purely misled by the Discover representative. 

Discover indeed has treated me / my credit application unfairly. 

This hard inquiry must either be : - 1. REMOVED OR 2. FLIP TO SOFT INQUIRY To further continue to impact my credit account. This must be done immediately, without further delay. Your prompt action is required. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation