Consumer complaint received 2026-02-03 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request the Consumer Financial Protection Bureaus assistance in obtaining a formal explanation and full data disclosure regarding Discover Banks closure of my credit card account. 

XXXX XXXX  Summary of Events XXXX XXXX  In XXXX XXXX XXXX XXXX XXXX XXXX  Discover Bank demanded that I provide XXXX XXXX authorization for Discover to access my IRS records XXXX XXXX No discrepancy, deficiency, or basis for this request was identified at the time. 

Shortly thereafter, XXXX XXXX  Discover closed my credit card account without explanation XXXX XXXX No meaningful adverse action notice was provided, and no disclosure was made regarding the specific reason for the closure or the data relied upon. 

XXXX XXXX  Failure to Provide Explanation or Data XXXX XXXX To date, Discover Bank has failed to provide : XXXX  A clear and specific explanation for the account closure XXXX  Disclosure of the data relied upon, including internal risk reviews or third-party information XXXX Identification of any consumer reporting agency, data broker, or external risk source involved XXXX XXXX  Litigation Is Not a Valid Basis to Withhold Disclosure XXXX XXXX  Discover Bank has previously suggested, or may suggest, that it is not required to respond to requests for explanation or data disclosure due to the existence of litigation involving the parties. This position is not a valid legal basis to refuse disclosure. 

Consumer protection and disclosure obligations are XXXX XXXX independent of private litigation XXXX XXXX An institutions duties to : XXXX Provide adverse action explanations, XXXX Identify data sources relied upon, and XXXX  Disclose consumer file information are statutory and regulatory obligations that are XXXX XXXX  not suspended by litigation XXXX XXXX, absent a specific court order or protective order expressly limiting such disclosures. No such order exists here. 

Further, this complaint concerns XXXX XXXX  regulatory compliance and transparency XXXX XXXX not discovery requests within a civil case. The CFPBs supervisory and complaint processes are separate from and not displaced by litigation between private parties. 

XXXX XXXX  Request for CFPB Assistance XXXX XXXX I respectfully request that the CFPB require Discover Bank to provide : XXXX. A XXXX XXXX formal explanation XXXX XXXX identifying the specific reason ( s ) for the XX/XX/year> account closure. 
XXXX. Disclosure of XXXX XXXX   all data used XXXX XXXX in making this decision, including XXXX XXXX XXXXXXXX Discover risk assessments, notes, or reviews XXXX Any risk, fraud, or identity files maintained internally XXXX Any reports, scores, or data obtained from third-party sources XXXX. Identification of all XXXX XXXX consumer reporting agencies or data providers XXXX XXXX  whose information was used or considered. 

Absent this information, I am unable to understand, verify, or correct the basis for Discover Banks action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief