Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MT)

On XX/XX/XXXX I called Discover to make an additional payment on my credit card. I was made aware at that time the Discover arbitrarily lowered my credit limit without ever telling me. Discover actions has had a dramatic negative impact on my credit score, credit worthiness, & resulting on my debt to income ratio to rise so significantly that when I recently purchased a vehicle I was provided a ridiculously high interest rate & currently not being able to refinance because of the negative impact Discover actions took on my credit. Ever since I had both my Discover credit cards I have an excellent payment history. I never paid either card late, I always pay more than the minimal amount, & I sometimes make 2 payments during the same billing cycle. I keep getting emails from Discover thanking me for my payment history & soliciting me to refinance my home with Discover. When I spoke to XXXX, XXXX, & 1 other female representative ( didn't document her name - unprofessional unlike  XXXX XXXX XXXX ) I was advised my credit line was decreased because : 1 - To many inquiries - I explained the reasons for the inquiries was because I recently purchased 2 vehicles & everyone knows that when purchasing a vehicle at a dealership the consumer is obtained by a various of lenders. 2- I was told my credit limit was reduced because of alleged late car payments from XXXX XXXX XXXX XXXX ( 4 years ago ). Note : this same reporting was available to Discover when they issued me both Discover cards, one with a credit limit of {$5500.00} & the other {$3000.00}. I explained to Discover that the  XXXX XXXX XXXX reporting was incorrect and that I was going to call XXXX XXXX as soon as I finished talking to them. I called XXXX XXXX and they confirmed that the credit reporting they were providing to XXXX  was incorrect and that they were going to contact XXXX  & order XXXX  to start reporting accurately.  Furthermore, XXXX XXXX XXXX told me they were going to send me a letter regarding this situation. I called Discover back (  this is when I spoke to the female that I didn't document her name ) and informed her that XXXX XXXX confirmed they were reporting incorrectly & my XXXX  credit report will be updated & that they were going to mail me a letter confirming what I spoke about with the XXXX XXXX XXXX Representative. I offered the Discover Representative to forward them the letter from XXXX XXXX XXXX XXXX she confirmed she had no interest in that letter & I also advised her why there were recent inquiries on my credit report ( purchasing 2 new vehicles ) and again she displayed no interest acknowledging and accepting that to be the fact regarding the inquiries. I am  submitting my XXXX credit report that I obtained on XX/XX/XXXX the is NOTHING negative on my XXXX credit report except the XXXX XXXX account from XXXX ( AGAIN Discover GRANTED ME 2 CREDIT CARDS with negative & inaccurate reporting was reflecting on my credit report ). Discover has damaged me  financially and causing me to pay high monthly interest payments because I will be unable to refinance my vehicle ( purchased this month - XXXX ) because I spoke to my Credit Union yesterday after this incident with Discover & provided the my XXXX credit report and was told I will not be approved because by the approximate {$2500.00} credit limit decrease my debt to income ration is to high. AGAIN I'VE NEVER BEEN LATE, I PAY MORE THAN THE MINIMAL & SOMETIMES MAKE 2 PAYMENTS WITHIN THE SAME BILLING CYCLE, PAYMENT HISTORY WITH DISCOVER THAT WILL NEVER SUGGES THAT I WILL NOT PAY MY DISCOVER CARD. 

In closing when I spoke to the 3 Discover representatives they confirmed it a computer system that makes these decisions. The first 2 understood my position and agreed based on my information that I was providing them that there is no justifiable explanation for my  credit card limit decrease but the 3rd Representative didn't care since my situation doesn't effect her.