Consumer complaint received 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK

Complaint narrative:
Complaint Regarding Discover Credit Card Application Process To Whom It May Concern, I am writing to file a complaint regarding my experience with the Discover credit card application process. As a new resident in the United States, I applied for a credit card on XX/XX/year> through the Discover website since I had no credit history. However, the entire application process was inefficient and stagnant. Despite numerous reminders, the customer service representative requested additional documentation such as ID, address proof, and bank statements which I provided. The application was finally approved in early XXXX after more than a month of waiting. Nevertheless, upon receiving the card, I discovered it was frozen, and I had to contact customer service for further assistance. 

The customer service representative informed me that the card was frozen, and I needed to provide additional documentation for the card to be activated. They demanded notarized bank statements and threatened to close my account and report me to credit bureaus if I did not comply. After providing them with the additional information, they did not respond for nearly 10 days. I followed up with them, and they said my documents were unacceptable since they required three months of bank statements, and I had only provided two months. As a new resident in the US, I only had two months ' bank statements, and it was impossible for me to provide three months ' worth. I felt helpless as their customer service support was unproductive and repetitive, and they did not wish to solve the problem. 

I asked them why they approved my application and sent me the card if my documentation was insufficient. Why didn't they reject it in the application process? I am a new resident in the US here only two months and could only provide what was available to me. The customer representative was unresponsive to these inquiries and continually demanded that I provide three months ' worth of bank statements. They were unprofessional and showed no willingness to help me solve the issue. Furthermore, they threatened to close my account and negatively impact my credit score. 

Throughout the process, the customer service was unresponsive and lacked professionalism. They made false statements and threatened me. From the beginning to the end, I had to prompt them continually to make any progress regarding my application process. They never took the initiative to contact me or solve the problem, which exposed the company as arrogant and inconsiderate towards their customers. 

I believe that the application process was unreasonable, redundant, and inefficient. Additionally, I believe that the company was unprofessional and showed no regard for their customers ' time and money. I respectfully request that you investigate my case and take appropriate action to ensure that Discover improves its application process to prevent future clients from experiencing the same treatment. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation