Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
I recieved an email from Discover telling me they had reduced my credit limit from {$3000.00} all the way down to {$500.00}, with no warning, which is a XXXX XXXX XXXX in credit in response to the information they saw reported by XXXX. But right now XXXX cant even access my XXXX report because Im blocked out of my own account. Thus I cant veiw my report directly w them nor can I dispute the errors they continue to report. To reiterate, On XX/XX/year> I had to report XXXX to CFPB for being unable to get my credit report, to dispute or see my score. The problem still has not been resolved. And on XX/XX/year> I had to report them to CFPB for problems with the company 's investigation into existing reporting issues. I had to try and dispute the errors XXXX is currently reporting, through XXXX XXXX instead, and its been a very slow and tedious process that is not panning out fast enough. Discover claims their decision to decrease my credit line was based on my supposed latenesses being reported to XXXX, my scary credit to usage ratio and the length of my credit history. Well I can tell you, I have even better credit history/length now than I had when I applied for their ccard because that was more like XXXX years ago and I haven't had any credit cards closed either, since. In all honesty, my credit usage XXXX be a little high now but that's going to be resolved once I win my disputes for those exact amounts with XXXX  and XXXX  regarding chargebacks XXXX the same merchant known as XXXX ( emergency vet ). I only bring this up because it is quite relevant in the sense that, I also had this same dispute pending with Discover for a chargeback from XXXX and Discover approved it, thankfully. So They should be more understanding in this case since the same unfortunate issue was pending XXXX them as well for a little while. Also the late payments Discover might be viewing on my report from XXXX are bogus at this point since they were heaping on fees and lateness while my dispute was under review from the very start, even before the appeal I brought up XXXX them to reexamine my case. I am fully aware that XXXX is not supposed to count lateness under certain regulations while disputes are pending. This is why XXXX now in the process of battling XXXX for the last month or so because they refuse to do their due diligence to whole heartedly review the disputes I asked for twice already for both XXXX and XXXX. Its devistating enough that these ongoing disputes XXXX the XXXX and XXXX have taken my credit usage for a spin... now XXXX, with little regard for the damage it will do to my XXXX XXXX, has further maxed out my credit to usage ratio and will completely tank my credit and finances, now and into the far future. Instead of standing by a loyal costumer that has never caused them any pain, they are compounding my hardship and suffering by destroying my spectacular record further while I'm trying to resolve my existing problems. Before this spiraling nightmare started, My Fico scores ranged from the XXXX 's to nearly XXXX which is way above avarage for most of XXXX. I am XXXX XXXX, dream costumer to all of my creditors.

Company response to consumer: Closed with explanation