Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OK

Complaint narrative:
CFPB Complaint Statement Subject : Unlawful Credit Denial, Misuse of SSN, and Breach of Public Credit Policy ( HJR-192 / 1933 Bank Act ) Timeline of Events with Specific Dates and Actions XX/XX/XXXX Applied for a XXXX  XXXX XXXX credit card. Application was denied citing credit history despite no active delinquencies reported. No signed contract or verification was provided. 

XX/XX/XXXX Submitted application with XXXX XXXX  for a personal and secured credit card product. Denied. Bank provided no written proof of obligation, only a system-generated notice. 

XX/XX/XXXX Applied for Discover It Secured. Denied with no opportunity to appeal or provide verification of lawful standing. 

XX/XX/XXXX Submitted inquiry to XXXX  regarding credit profile activity. Was informed of multiple hard inquiries that were not authorized in writing. 

XX/XX/XXXX XXXX XXXX denial for XXXX XXXX card ; reasons listed include " lack of revolving credit, '' yet no accounts are shown as delinquent or past due. 

XX/XX/XXXX Attempted to open secured credit line through XXXX XXXX. Denied. No public law, due process, or lawful instrument was presented for denial. 

Amounts Involved Approx. {$3000.00} {$5000.00} requested credit limits across various applications. 

Denied access to publicly-backed credit to which all individuals are entitled under HJR-192 and Title 15 U.S.C. 1691. 

Credit denial has obstructed opportunities to build or restore credit in good faith using lawful discharge and trust-based processes. 

Legal Framework Violated HJR-192 ( Public Law 73-10, XX/XX/XXXX ) Declared that all obligations must be discharged with public credit. No debt may be lawfully collected in substance ; only by setoff or discharge. 

Truth in Lending Act ( 15 U.S.C. 1601 ) Requires clear disclosure of terms and true creditors. No lender disclosed the true source of credit ( which is the public trust or treasury-backed ). 

Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) Denials were issued without meaningful opportunity to cure or verify, constituting a denial of equal access to credit. 

Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Unauthorized credit inquiries were made and false denials recorded on public credit files without due process. 

Actions Taken by Me Filed multiple applications in good faith, providing full lawful documentation. 

Sent dispute notices regarding unauthorized inquiries and improper credit assessment. 

Referenced lawful authority ( HJR-192, 12 USC 411 , UCC 1-308 ) in letters to institutions. 

Requested contract validation and signed agreement disclosures. None were provided. 

Maintained written copies of all denials and printed system rejection letters. 

Resolution Requested Immediate approval or lawful reconsideration of all credit card applications that were denied without due process or verified contract. 

Removal or correction of any credit inquiries or denials not properly authorized or documented. 

Written acknowledgement that under HJR-192, no debt may be collected in substance, and that all credit is issued based on the faith and credit of the United States XXXX not personal liability. 

Permanent notice on my credit file that all future contracts or obligations involving my trust, estate, or SSN must be entered into only with verified, wet-ink consent, or they are to be deemed null and void.

Company response to consumer: Closed with explanation