Consumer complaint received 2021-08-26
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
ON XX/XX/XXXX I BELIEVE I RECEIVED MY EIN NUMBER FROM THE IRS BECAUSE I DID IT ONLINE. 

AFTER RECEIVING IT I LOGGED ON TO DISCOVER CHAT. 

I ASKED IF I COULD SUBMIT MY EIN NUMBER SO I COULD START TO BUILD BUSINESS RELATIONSHIP WITH THEM. 
ASKED IF I COULD PUT MYSELF AS AUTHORIZED USER USING MY EIN NUMBER AND HAVE A DIFFERENT CARD ISSUED TO ME UNDER MY DISCOVER ACCOUNT I WAS TOLD NO NO REASON JUST NO I DON'T KNOW XXXX ABOUT EIN NUMBER AND BUSINESS CREDIT. 
BUT AM WATCHING A LOT OF VIDEOS TO EDUCATE MYSELF. 

SO ANYWAY AGENT TALKED ME INTO FILLING OUT APPLICATION BECAUSE ITS PRE APPROVED NO HARD PULL EVEN AFTER AGAIN TELLING THEM I DON'T HAVE BUSINESS CREDIT BUT IN THE PROCESS OF TRYING TO BUILD BUSINESS RELATIONSHIP WITH MY CREDITORS. 

SENT ME LINK IN THE APP DIDN'T ADVISE ME TO SCROLL THRU BUSINESS CREDIT PORTION OF THE APP SO I ACCIDENTALLY FILLED OUT PERSONAL APP USING MY EIN NUMBER GOT APPROVED FOR XXXX BUT GOT NOTIFICATION I HAVE TO PROVE MY IDENTITY. 

I WAS LIKE WHAT ... 

SO I CALLED HAVING SEVERE HEARING LOSS AND STUTTER REALLY BAD.. VERY DIFFICULT BUT EVENTUALLY FOUND OUT THAT I WAS APPROVED FOR XXXX PERSONAL LINE OF CREDIT BUT UPON PROVING MY IDENTITY. 

I WAS LIKE WAIT THIS IS SUPPOSED TO BE FOR BUSINESS CREDIT AT THAT TIME I WAS TOLD I FILLED OUT PERSONAL CREDIT APP NOT BUSINESS CREDIT APP. 

ASKED FOR IT TO BE PULLED WITH EXPLANATION AND PROCEEDED TO FILL OUT BUSINESS CREDIT PORTION AND GOT DENIED AS I TOLD THE AGENT I WOULD BECAUSE I DON'T HAVE BUSINESS CREDIT. 

NOW THEY ARE PLACING FINANCIAL BURDENS AND PHYSICAL BURDENS ON ME. 

I ASKED FOR THEM TO PUT ME IN TOUCH WITH SPECIAL ACCOMODATIONS THEY ARE REQUIRING ME TO GET THREE MONTHS OF BANK STATEMENTS NOTARIZED ALONG WITH MY ID NOTARIZED I ALREADY FILLED OUT FORM IRS Consent Form XXXX has been Signed and Filed I HAVE BEEN ON XXXX SINCE XX/XX/2010 I AM XXXX AND I XXXX XXXX XXXX ANYMORE. 

I HAVE TO TAKE A CAB EVERYWHERE I CAN NOT AFFORD THIS FINANCIAL HARDSHIP. 

I ALSO LIVE IN OHIO AND MASK MANDATES HAVE TO WEAR MASK IN CABS I ALSO HAVE XXXX XXXX AND XXXX THIS WILL ALSO PUT ME IN PHYSICAL HARDSHIP I STOPPED GOING SHOPPING OR ANYTHING UNLESS ABSOLUTELY NECESSARY BECAUSE OF THIS ILLEGAL MANDATES SO NOW ORDER EVERYTHING I CAN ONLINE AND GET GROCERIES DELIVERED I BANK WITH XXXX THEY DO NOT HAVE LOCAL BRANCH I DON'T HAVE A PRINTER THAT WORKS SO ALL OF THESE DEMANDS ARE GOING TO HAVE TO MAKE ME TAKE CABS EVERYWHERE I CAN NOT AFFORD IT I HAVE BEGGED THEM WHATEVER THEY NEED PLEASE LIFT THESE DEMANDS BECAUSE YOU ARE CREATING SUCH FINANCIAL AND PHYSICAL HARDSHIPS ON ME BECAUSE I DON'T HAVE ANYONE TO HELP ME I ALSO HAVE SEVERE HEARING LOSS RELY ON READING LIPS MASKS PREVENT THAT PLUS STUTTERING REALLY BAD.. 

PEOPLE EQUATE THAT SO MUCH TIMES AS ME GETTING XXXX 

I HAVE BEGGED THEM TO LET ME UPLOAD DOCUMENTS ONLINE BECAUSE I HAVE NO MEANS TO GET BANK STATEMENTS ... 

UNLESS I DO PDF FROM ONLINE BANKING AND UPLOAD AGAIN MY ID UTILITIES EIN NUMBER FROM THE IRS AND LETTER EIN NUMBER LLC FROM SECRETARY OF STATE YESTERDAY I TALKED TO XXXX IN SPECIAL ACCOMODATIONS AND WAS TOLD EVERYTHING WAS CLEARED UP TODAY FOUND OUT DIFFERENTLY AND THEY ARE STILL REQUIRING ALL VERIFICATION BE NOTARIZED PLEASE HELP ME RESOLVE THIS THEY ARE THREATENING TO CLOSE MY ACCOUNT IF I DON'T MEET THESE FINANCIAL AND PHYSICAL HARDSHIPS BEING PLACED ON ME. 
AFTER NUMEROUS TIMES OF BEGGING AND PLEADING ESPECIALLY WHEN YOU CAN LOOK AT CHAT LOG AND MESSAGES AND REALIZE THIS WAS DONE BY MISTAKE BECAUSE AGENT DIDN'T ADVISE ME TO FILL OUT BUSINESS CREDIT PORTION OF THE APP ESPECIALLY WHEN YOU HAVE SO MANY CHAT MESSAGES TO GO ON. 

BUT YET PLACING THESE FINANCIAL AND PHYSICAL HARDSHIPS ON ME WITH THE THREAT OF CLOSING MY ACCOUNT

Company response to consumer: Closed with explanation