Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

On XX/XX/XXXX I received an email from Discover that my credit card account had been closed. I was a card holder with Discover for XXXX years, and my account was and always has been in good standing. I undoubtedly have a property interest in my credit card account with any creditor, including Discover. The implications of closing a credit card account are huge, and therefore should require adequate Due Process. I was deprived of Due Process when my account was closed after such few attempts from Discover to obtain this information from me. It also bears mentioning that this account was closed for such a miniscule reason and a reason that Discover claims is for 'Customer Protection . ' After calling their XXXX number I learned that it was because I did not provide verification of my personal information provided for my account ( via IRS form 4506-C ). Discover made two attempts to contact me about this IRS form, once via email and once via phone. Both attempts seemed fraudulent, and my wife has a Discover credit card account and she did not receive any similar communications. Moreover, when I XXXX the phone number " Discover '' attempted to reach me from, the results showed the phone number was a scam. Because Discover did not send me anything in the mail or communicate through the message center in their mobile application - more secure methods of communication - I believed this was a fraudulent attempt to obtain my information. I conveyed all of this to the " Customer Protection '' Service Representative on the XX/XX/XXXX phone call, and I was met with apathy. I called multiple times and every rep I spoke to said my only avenue of redress would be to write a letter requesting reconsideration. So I did. 

On XX/XX/XXXX I put a letter in the mail addressed to " Discover 's Customer Protection Services '' explaining the exigent circumstances, my good standing, and why they should reopen my account. This was my longest credit account, so the closure and the " closed by creditor '' have both significantly impacted my credit score. 

On XX/XX/XXXX via phone call, Discover informed me they are " sticking by their business decision to close my account. '' They confirmed they received my letter. I asked for the reasoning behind that decision and the customer service rep started recounting the " attempts to reach me '' spiel. I again asked for the reason behind their decision in light of the circumstances and argument laid out in my letter. I was told " because they tried to reach you at the contact information you provided. '' This is only partly true, they did not attempt to reach me at my address provided. I was finally told " it sounds like this is upsetting news to you so I will make note of that, '' and our call ended. 

I'll conclude this with how I started. I undoubtedly have a property interest in my credit card account with any creditor, including Discover. The implications of closing a credit card account are huge, and therefore should require adequate Due Process. I was deprived of Due Process when my account was closed after such few attempts from Discover to obtain this information from me. It also bears mentioning that this account was closed for such a miniscule reason and a reason that Discover claims is for 'Customer Protection . ' I am disappointed in how Discover has handled this, and I am confused because the last XXXX years have been such a pleasant experience with Discover. I would still like to be a Discover customer, and I hope this can be resolved.