Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
In a 2nd letter dated XX/XX/2024 sent to : Discover, I addressed, yet again, billing errors with regard to my account # XXXX sought to get my account corrected. According to 15 USC 1666A, at no more than 30 days, I should have received written acknowledgement, and no more than 90 days ( XXXX5 USC 1666B ), I should have received appropriate corrections to my account, including crediting of any finance charges on amounts erroneously billed which Discover has not addressed. 

It has also come to my attention that while my Account with Discover, remains closed to me, the account in-fact remains open as a book entry security and Discover is denying my rights as an investor since they fail to advise me of my SFP per SEC Rule 15c3-3. This Adverse Action violates12 CFR 1002.2 ( c ), 12 CFR 1002.2 ( c ) ( 1 ) ( i ). 

I demand Discover to do what is right and lawful, and immediately reactivate my charge Account, and ensure it is open-ended, as per Title12 CFR section 1002.2, Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 

I, the consumer and natural person, ( lower caps name ) Agent here on behalf of ( upper caps name ) Principal hereby accept all titles, rights, credit, interest and equity owed to the ( upper caps name ) Principal. Regardless of the reason for denial, I have the RIGHT to credit. 15 USC 1691 ( D ) ( E ) Withholding my access to my securities is securities FRAUD. Federal Reserve Act section 16 ( 1 ) & ( 2 ) I have recorded multiple DISCOVER Bank supervisors & managers from the consumer credit department admitting to violating the Equal Credit Opportunity Act by way of Discrimination. Without Equality there is Discrimination! Meaning a person with a XXXX  credit score shall be given equal opportunity to credit as another person with a XXXX  credit score. Bank is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me access to my credit. Other Violations Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by DISCOVER Bank due to the response I received. DISCOVER Bank is in violation of 15 U.S.C. 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit is not issued. Furthermore, because my social security number ( credit card ) was used on an application, turning it into SECURED COLLATERAL which is PREPAYMENT of credit and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of DISCOVER Bank Which is also SECURITIES FRAUD I am demanding DISCOVER Bank release And mail out my credit cards to me within 7 business days. If DISCOVER Bank fails to make any reasonable procedures to resolve this matter within 5 days of receiving this letter and approve me for the use of my credit card I will indeed file a JS-44 and make DISCOVER Bank criminally and civilly liable for ALL actual damages pursue it to 15 USC 1681n and 15 USC 1681o . Including REVOKING ALL SECURITY INTEREST FROM DISCOVER Bank. 
I demand DISCOVER Bank to do what is right and lawful, and immediately reactivate my charge Account at a daily available credit of {$25000.00}, and ensure it is open-ended, as per Title12 CFR section 1002.2, Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation