DISCOVER BANK

2018-07-10

Barrett Parkway, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-07-10

Mabank, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Discover has done a horribly flawed and indescribably frustrating job of handling a very simple dispute. In XX/XX/2017, a charge was billed to my Discover card by XXXX XXXX for an appraisal on a property that I was buying. When I received the report, there were several problems with the document. It was full of incorrect information. It was clear that the appraiser had simply used another appraisal from another property and changed a few things like the property address, etc ... and took a few photos. This was grossly unacceptable. There was basic factual information that any professional ( or lay person ) could easily verify, but they did not even bother. They threw it together and charged {$500.00}. The county listed on the appraisal is incorrect. The HOA costs are incorrect. The property taxes are incorrect, and a host of other issues about the property itself are incorrect. After both the seller of the property and I separately contacted the appraiser and asked him to make corrections ( which he never did ), I disputed the charge with Discover. The dispute was resolved in my favor and closed. Unbeknownst to me, XXXX XXXX later abused the credit card information in their possession to charge my Discover card again in XX/XX/2017. I only discovered the charge while looking at statements later for a different reason. I contacted Discover. They immediately informed me that this was fraud if I had not requested another service from that merchant and was billed again. They stated that the merchant could continue charging the card and committing fraud unless they deactivated the card. So, they immediately deactivated the card, created a completely new account, and sent a new card with a new number. XXXX XXXX later submitted to Discover a copy of the credit card authorization between myself and the lender ... ... To be clear, the authorization does NOT anywhere mention authorizing " XXXX XXXX '' to charge the Discover card. " XXXX XXXX '' appears nowhere on the authorization. XXXX XXXX also submitted a note containing a number of false statements and irrelevant information about their process and how mortgages and loans work, etc. This was a distraction from the fact that they have abused credit card information in their possession. Discover then informed me that they do not consider this to be fraud, because they do not believe the merchant did anything to steal or illegally obtain the credit card information. It was then referred back to the billing dispute department. Recently, I learned that Discover refuses to credit the second {$500.00} charge back to my account, the charge of which I knew nothing and gave XXXX XXXX no permission to bill. I contacted the police, and they absolutely consider this credit card fraud. I was billed for the same service twice ( by a company that was not named on the authorization ). The dispute was closed after being resolved in my favor. That was the end. XXXX XXXX had no basis in law or in equity to bill the Discover card again. In fact, what they did is very much fraud and is very much against the law. They utilized credit card information in their possession to bill a credit card again for the same service that had already been disputed and resolved in my favor. Criminal charges have been filed against the merchant. Discover informed me that the reason for Discover 's decision was that the service is " nonrefundable according to the merchant ''. So, Discover decided that I should pay {$500.00} for a sloppy and careless service that they had already previously resolved in my favor and closed. To be clear, the authorization, as I mentioned before, does NOT mention " XXXX XXXX '', NOR does the authorization, anywhere ... .in any of the fine print, state that the service is nonrefundable. What is the value of expending time and resources on a dispute process if Discover allows a merchant to simply bill the customer again after the dispute has already been resolved in the customer 's favor and closed? And separately, if the authorization does not state that the service is nonrefundable, why not just let all merchants later decide to state that whatever goods and services they provide are nonrefundable? Discover can then save a lot of money by eliminating the entire dispute department. They will obviously lose customers, but that does not seem to bother them anyway ... I consent to CFPB publishing this complaint publicly.
Company Response: Closed with monetary relief

Timely Response

2018-07-10

Bloomington, MN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have lodged disputes with Discover and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
Company Response: Closed with explanation

Timely Response

2018-07-10

Bronx, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: This complaint is against Discover credit card. I called in on XX/XX/18 to make sure my payment had posted in the amount of {$82.00} that I made on XX/XX/18 due on XX/XX/18. Part of the payment was a cash rewards credit of {$10.00} I was told by the rep and saw online that the {$71.00} posted but not the {$10.00} in cash rewards as it was still stating {$10.00} was due XX/XX/18. THE CASH REWARDS IS ALWAYS IMMEDIATE IF BEING CREDITED TOWARDS THE BILL! The rep said it would take 3 business days to post. I was extremely disappointed with this deceptive practice as previous cash rewards posted immediately. Had I not checked to see if my payment posted I would have been charged a late fee. I also asked the rep about the interest charge and she assured me that any purchases that I had made within the 14 month 0 % APR period would not be subject to any interest and said that any purchases made after the introductory rate would be subject to interest. I was told that if I dont make any purchases on the card and as long as I continued to make at least the minimum payment required I would not be subject to any additional interest or other fees of any kind. I received a statement online on XX/XX/18 adding interest of {$62.00} and I have not used the card or made any purchases of any kind. On XX/XX/18 i made an additional payment of {$10.00} because I did not trust that cash rewards payment would post on time as was told by the rep. Discover advertised the 14 month 0 % APR but later on without disclosure adds interest to those purchases made within the 0 % APR purchases once the promotion ends. This is fraudulent and deceptive business practices. I am well aware that whatever purchases I make after the introductory rate that those purchases should be subject to the interest rate..but no purchases made within that 14 month period should be subject to the interest rate. Discover interest rate is extremely high. When discover signed me up I explained that I am a XXXX person on XXXX XXXX and my income is fixed and limited. This is elder abuse and they need to be held accountable I have great credit and have never missed a payment nor payed late. Discover stated that I would not have to worry about any interest unless I made purchases then I would be subject to the interest rate. I trusted them to be credible and reputable and they have destroyed my trust in their business to be fair, transparent and customer friendly. I am completely appalled by their deceptive and fraudulent business practices. It is extremely disheartening that I was lied to and taken advantage of. Discover should not take advantage of people with XXXX who are not even capable of defending themselves in such financial predatory situations. I have tried to resolve the issue but they dont care in the least bit. Today XX/XX/18 I closed the account as I will no longer do business with this discover. I will continue to make payments on what I actually owe, but I refuse to pay interest that I was told I would not be subject to. In conclusion I would like that this complaint be escalated to the highest authority and that someone will assist in making sure that I will not be charged these erroneous fees.
Company Response: Closed with explanation

Timely Response

2018-07-09

MO

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: Discover Card has harassed me about a credit card debt that I owed on a balance transfer and they didn't follow through with the agreement I signed. They lowered the credit I originally had without notice, call me over and over to get their money when I was mislead about the whole agreement. I tried calling them several times to say that I didn't agree to this and they kept pushing me around from department to department. Now they are suing me in my county.
Company Response: Closed with explanation

Timely Response

2018-07-09

Leeton, UT

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.
Company Response: Closed with explanation

Timely Response

2018-07-09

Palm Bch Gdns, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-07-08

Aloha, OR

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2018-07-08

Patterson, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: i have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Company Response: Closed with explanation

Timely Response

2018-07-07

Fountainville, PA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I authorized a wire transfer on XX/XX/18. This wire transfer was supposed to be for closing on my first home. By the afternoon of the same day I had realized I was being scammed and called Discover to cancel the wire transfer. I was told the money was guaranteed and that I would get it back within 7 to 10 business days. I followed up multiple times during the next two weeks and was told by multiple people, including a supervisor, that the money was guaranteed and that I would have it back in my account no later than 10 business days. On the 11th business day, XX/XX/18, I was told that the money is not guaranteed and that I would most likely not be getting it back. This was the first time I was told I would not be getting the money back unless the recipient bank sent it back and it was the first time they told me to call the recipient bank. Due to them reassuring me on multiple occasions that I would be getting the money, I proceeded with closing on the house, using the remainder of my savings. If I had know that the money was not guaranteed or that there was a chance I might not get it back I would not have closed on the house. Now I am in an extremely difficult financial situation, living paycheck to paycheck because Discover blatantly lied to me for two weeks.
Company Response: Closed with monetary relief

Timely Response

2018-07-07

FL

Dealing with your lender or servicer

Student loan: Private student loan

Problem with customer service
Complaint: I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.
Company Response: Closed with explanation

Timely Response

2018-07-07

Niverville, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Privacy issues
Complaint: Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.
Company Response: Closed with explanation

Timely Response

2018-07-06

Toledo, OH

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-07-06

Toledo, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2018-07-06

WA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased. D iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be. Discover is failing to fix this for me, despite numerous calls.
Company Response: Closed with monetary relief

Timely Response

2018-07-06

NY

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )
Company Response: Closed with explanation

Timely Response

2018-07-06

Wallington, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX credit report
Company Response: Closed with explanation

Timely Response

2018-07-06

Wallington, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2018 XXXX XXXX XXXX reported unrecognized hard inquiry on my XXXX credit report
Company Response: Closed with explanation

Timely Response

2018-07-06

Rncho Domingz, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.
Company Response: Closed with explanation

Timely Response

2018-07-06

AL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: Date XX/XX/18 Time XXXX CST, Duration 15 min 21 sec XXXX CST, Duration 24 min 32 sec I called Discover about their error in allocation of the payments that I have been making. First I had given basic info regarding my knowledge of the how the payments are to be allocated, and as I was explaining to them about my knowledge of the practice, the service representative straight out informed me that the minimum payment gets applied to the lowest interest balance rather than being distributed to the all of the accounts according to the percentage of the balance that each balances contribute to the total balance. First of all, I have been paying monthly payments in excess of roughly {$200.00} with the minimum payment being roughly {$100.00} each month ... to total {$300.00} in monthly payments that I have been making. So basically third of my payment gets applied to the LOWEST interest balance and the remaining {$200.00} gets distributed according to the credit card act of 2009. I am not complaining about how the {$200.00} is being allocated, but I am complaining about how {$100.00} is being allocated to the LOWEST interest balance. The first service representative told me that it was the lawful that the Discover allocate/designate the minimum payment to the lowest interest balance because of the credit card act of 2009. I had asked the person to provide me with the means to have a look at the act myself, which she was very helpful. So I disconnect with the first person because I found the act, but upon reading the act, where it talks about the allocation of the payment, ( 164. Prompt and fair crediting of payments ( a ) IN GENERAL.Payments ; ( 2 ) by inserting, by XXXXXXXX XXXX on the date on which such payment is due, after in readily identifiable form ; ( 3 ) by striking manner, location, and time and inserting manner, and location ; and ( 4 ) by adding at the end the following : ( b ) APPLICATION OF PAYMENTS. ( 1 ) IN GENERAL.Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. ). It say NOTHING about how the minimum payment MUST be applied to the lowest interest balance. So I called Discover back regarding the loophole in the ACT of 2009, about how the Discover CHOSE to interpret it has the minimum payment HAS to be applied to the balance with the lowest interest, and saying that they are lawfully doing it? The second person also said that the " practice '' is lawful and that they have to do it, and I plainly told her that isn't so. I finally ended up speaking to the manager where he informed me that it is Discover 's policy to apply the minimum payment to the lowest interest balance, and when I told him that the credit card act was made to protect the consumers and that Discover 's policy is a blatant disregard for that well meant " protection. '' The manager then proceeded to trying to convince me that how such policy can in " certain situations '' can help the consumers. In other words, he was justifying Discover 's policy? He even tried to convince me that me reporting them was not necessary because what they are doing is right. Because a small percentage of consumers " might '' benefit through that policy, it is justified? I don't think so. He did say that he would let the HQ know about my complaint, as I blatantly told him that I would report Discover about it's unfair utilization of the payment and he provided the contact info to CFPB.
Company Response: Closed with explanation

Timely Response

2018-07-06

IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I was added to my dad 's XX/XX/XXXXoriginating XXXX credit card account as an authorized user in XX/XX/XXXX or XX/XX/XXXX. I was removed as an authorized user in XX/XX/XXXX. I am experiencing TWO problems with Discover : 1. Although I was authorized to use the card until XX/XX/XXXX, Discover reversed once approved charges made from XX/XX/XXXX through XX/XX/XXXX. Discovered stated I was found to have used a card I was not authorized to use. 2. Though Discover, in its act above, affirms I was not a card co-owner, and in fact - by their ruling, not even an authorized user, yet - Discover has twice refused to remove the tag line from my credit report. II am currently trying to get a mortgage and the debt reported, including payments my DAD is making are counting against my debt : income ratio.
Company Response: Closed with explanation

Timely Response

2018-07-05

Beallwood, GA

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-07-05

PA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: To whom it may concern : I have been a cardholder with Discover Card for nearly 24 years. Since that time, my account has never been in default, nor has Discover had any issues with billing, payments, or otherwise. On or about XX/XX/2018, subsequent to having requested a separate credit card from Discover, I received correspondence indicating, XXXX XXXX, that Discover has been " unable to verify certain elements of information on ( my ) account, '' and requesting that I provide a Form XXXX ( Social Security Number Verification Authorization ), as well as a copy of my Driver 's License and Social Security Card. Discover requested that this information be provided within 14 days from the date of their correspondence ( XX/XX/2018 ). Discover was provided with this information via facsimile transmission on XX/XX/2018, per the directives contained in their correspondence. Subsequently, I was notified via electronic mail that both the newly-requested account and my longstanding accounts had been closed. I immediately contacted Discover, and it was stated that they ( Discover ) had not received the requested information. I was additionally advised to re-fax the information, which I did, and receipt thereof was acknowledged by Discover. Having not heard from Discover regarding this issue, I contacted them again on XX/XX/2018. At that point, I was verbally advised that the matter was " under review by a supervisor, '' and that " someone would call me '' within the next 24-48 hours. I did not receive a telephone reply ; however, I did receive another electronic communication requesting that I contact Discover immediately. Upon contacting Discover on XX/XX/2018, I was advised by the initial call-taker that the accounts were closed because Discover had not received the information within the 14-day window provided by the original correspondence. This was confirmed when I requested to speak with a supervisor, the same who advised that there was " no way '' for the accounts to be reopened. I requested written verification of this and this request was declined as it was indicated that the e-mail correspondence mentioned herein was sufficient. I additionally inquired as to which specific provision of my credit agreement ( contract ) I had violated, and the individual to whom I spoke was unable to provide that information, and suggested that I simply reapply for a new Discover Card. I indicated that I would not do so as the same issue would likely be repeated by Discover, and this was acknowledged by this individual. I additionally advised that I would submit a complaint to the CFPB and investigate the possibility of taking legal action with respect to this matter, and was told " you do what you have to do. '' The closure of my longstanding account will negatively affect my credit score, by drastically lowering my average age of accounts, lowering my available credit, and having a " hard '' inquiry from the second account which, in fact, was never opened. This will result in the inability to obtain credit ; the ability to obtain financial products only at a higher interest rate than otherwise available ; and the possible closure of additional credit accounts. Discover is in possession of all relevant correspondence as outlined above ; however, in order to facilitate your review I have attached true and correct copies of ( 1 ) the initial correspondence received, and ( 2 ) my reply/cover letter/fax returned to them pursuant to their request. I have not attached the various e-mail documents sent by Discover, because the same are not dispositive of this issue insofar as they simply advise me that the accounts have been terminated. Should you require those documents, please advise and I will forward the same to you in due course. There is no legitimate reason for Discover 's request for verification ( particularly due to the fact that they have consistently correctly reported the accounts to credit bureaus ), the requested information was, in fact, provided to them in a timely fashion, the account has never been in default or closed in almost 24 years, and Discover both created this issue and imposed damages upon me for no reasonable purpose. Accordingly, I am respectfully requesting assistance in this matter through the CFPB. Thank you.
Company Response: Closed with explanation

Timely Response

2018-07-05

Cheverly, MD

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.
Company Response: Closed with explanation

Timely Response

2018-07-05

Chestnut Rdg, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Delay in processing application
Company Response: Closed with explanation

Timely Response