Consumer complaint received 2025-01-03 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: WA

Complaint narrative:
Reference Number : XXXX After Consulting with my Tax Advisor and my financial advisor they advised me to close the application prior to a card being issued or completing any additional steps because the cards benefits overlap with the other cards that I already have. The lady that I spoke with by phone stated that they only had the option to issue a letter stating that the card was being closed because I failed to meet verification guidelines for additional information that they were seeking however internally it shows that I closed the card at my request. I did not fail to meet verification guidelines I requested the cards closure specifically because it does not meet my needs and it overlaps with the other cards that I already have in terms of benefits. At this point what I was told by phone was I would receive a letter by mail. It feels like a bait and switch they told me that it was closed at my request. However the letter I'll be receiving states that it was closed because I failed to meet verification guidelines or additional verification steps which simply is not the truth. I requested the closure prior to knowing that any additional verification steps are required and I feel like the company is using that as a shield. In the applications process they did not state that I could not close the card during the applications process or while it was under any kind of review normally you have 24 hours from the time that you apply for a card to request the cancellation of that card and as long as the card has not been issued or used normally you can return the card and have the card canceled and have the credit line removed. Because I requested the cancellation within XXXX hours of applying for the card and it was requested because my financial advisors advised me to do so I'm requesting a letter showing that the card was closed at my request and I would like the trade line removed from my credit report. I feel that they were dishonest and that there was deception on behalf of the company. When they tell me that they can see that I requested the cards closure and that should be the reason for the cancellation not the convenient reason of deflection by saying that I failed to meet additional verification and they only said that after I requested the closure of the application. I did agree to additional verification however I did reserve the right and nowhere in the paperwork that I reviewed prior to submitting the application did it state that I did not have the ability to cancel the card or the trade line. It did state that they would run a credit check and if they would check my name date of birth and social security card number with the Social Security Administration and that I did agree to. However during the first 24 hours I consulted my advisors and they told me to close the application prior to a card being issued. Nowhere prior to that in written form or any email form did I receive any kind of request for additional verification. I want a letter issued pursuant to the fact that I requested the account closure or if no account was generated application closure and I would like the trade line removed due to their deceptive practices of seeing my request internally but conveniently opting for the fact that they said that I did not meet additional verification that was never sent to me for completion of any kind.

Company response to consumer: Closed with explanation