Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Subject : Formal Inquiry Regarding Closure of Credit Card Accounts Without Prior Notice Dear [ Discover Legal Department ], I hope this correspondence finds you well. I am writing to you on behalf of [ XXXX XXXX regarding a matter that requires your urgent attention and clarification. It has come to our notice that credit card accounts bearing the numbers XXXX and XXXX, associated with [ XXXX XXXX XXXX XXXX ], have been unexpectedly closed without prior notification. This action has raised significant concerns regarding potential breaches of contractual obligations and applicable consumer protection laws. 
As you are likely aware, the Uniform Commercial Code ( UCC ) outlines principles of good faith and fair dealing in commercial transactions. The closure of these accounts without any notice may be construed as a violation of these principles, warranting further investigation into the circumstances surrounding these actions. Furthermore, it is essential to ensure compliance with federal and state credit protection laws, which are designed to safeguard consumers ' rights and promote transparency in financial dealings. Any deviation from these regulations, including inadequate notice periods for account closures, could result in legal implications. In light of the foregoing, we kindly request your prompt cooperation in providing the following information : A detailed explanation of the rationale behind the closure of credit card accounts XXXX  and XXXX. 1. Provide detailed and specific reasons for the closure of XXXX account, including any instances of default or non-compliance. 
XXXX. Disclose the methodology and criteria used in the credit scoring system that influenced the decision to close the account. 
XXXX. Cease all adverse reporting to credit bureaus regarding the closure of XXXX XXXX account until these issues are resolved satisfactorily. 
XXXX. Reopen XXXX account and restore it to its previous status, pending the outcome of a thorough investigation into the accuracy of the reported information laws. 
Copies of any correspondence or notices sent to [ the human XXXX XXXX not the all-caps account holder ] regarding the closure of these accounts. 
We emphasize the importance of a swift and transparent resolution to this matter to ensure the preservation of our rights and interests under the law. Failure to address these concerns adequately may compel us to explore further legal recourse. 
We trust that you will give this matter the attention it deserves and provide a comprehensive response within a reasonable timeframe. Should you require any clarification or additional information, please do not hesitate to contact me directly at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, NC XXXX United States ]. 
Thank you for your cooperation and understanding. Sincerely, INCLOSED STATE ID, SSN CARD. SIGNATURE AUTHENTICATING CLAIM NOTICE XXXX XXXX Documentation demonstrating adherence to relevant provisions of the Uniform Commercial Code ( UCC ) and applicable credit protection