Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX XXXX I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On XX/XX/2022 {$200.00} was pulled from my bank for a secured deposit. I then again processed to call discover once the whole process was approved, I was transferred to at least 5 departments in a series of calls that lasted 2days. They told me in order to verify my account and change my address I would have to verify my number and I said fine. However the numbers I provided they stated Could not be verified. 

I have only owed one US number with a major provider and I stopped using them some months ago, The number I signed up with could not be varied even though it was good enough to verify me to take my money. I told them If I can not change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because XXXX. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to several agents and supervisors I had to contact my bank. 

I contacted my bank and told them discover refuses to provide a service for me and i can not get my money back. This was unfair and I would like my money back. The money was pulled on XX/XX/2022 I received back my money. 

on XX/XX/2022 Discover emailed me to discussed about my account and returned card in the mail. while on the call I asked If i could try to apply for discover card again since the last time I had issues with my address, they indicated yes. I processed to apply and I was denied, I called and asked why I was denied, they indicated that I had an application open even though my account was closed, They have fixed the issue and I can apply gain. 


In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. 

I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.

Company response to consumer: Closed with non-monetary relief