DISCOVER BANK

2019-07-17

N Tazewell, VA

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2019-07-16

Wake Forest, NC

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

2019-07-16

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-07-16

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
Company Response: Closed with non-monetary relief

Timely Response

2019-07-16

Bonita Spgs, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-16

UT

Incorrect information on your report

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

Account status incorrect
Complaint: Discover Fin Services # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Company Response: Closed with explanation

Timely Response

2019-07-16

Discovery Bay, CA

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: I made a hotel reservation for a work trip that stated it was non-refundable if cancelled more than 1 day after booking. My plans changed and I cancelled the reservation within 24 hours. The charge remained on my card. I contacted the hotel and they told me to dispute it with my credit card company. I did so in XXXX. In XXXX when I had not heard anything further I contacted Discover to inquire about the status. I was told the case had been closed in the merchant 's favor in XXXX. I asked why I was not notified and they said that they normally notify the customer. I told them I had provided an email from the hotel confirming the reservation was cancelled in the appropriate time and I was told to forward it to them and Discover would be refunding the charge " out of their own pocket ''. A week later I received an email from Discover to call in for important information about my account. I called and spent 5 hours on the phone with 10 different Discover employees, all of whom had no idea why I was asked to call. Finally I spoke to a manager who placed me on a conference call with the hotel and allowed the hotel manager to berate me and lie on the phone. When that was over the Discover manager laughed at me and stated that I would never get this money back then hung up on me. I then called Discover corporate and logged a complaint and asked for the refund I was told I would receive. 4 days later I received a call from someone else in corporate who told me they would not be honoring the offer of a refund and that the agents had been " spoken to ''. When I asked for a manager I was told there was no one further to speak to. When I asked to be transferred to the department to close my account I was hung up on. I have been told that Discover will refund this amount as they never notified me of the status of the case and subsequently been subjected to abuse by Discover and hotel employees.
Company Response: Closed with explanation

Timely Response

2019-07-16

NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I had an 18 yr old Discover card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by Discover. It is XXXX and XXXX. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
Company Response: Closed with explanation

Timely Response

2019-07-16

El Paso, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-07-16

Chestnut, NJ

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-07-15

Allenwood, NJ

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Complaint: I graduated in 2016 with a degree in XXXX Studies. Since graduation I have struggled to pay the minimum monthly payments of around {$1200.00}. It has constrained me so much financially that I am unable to move out of my moms apartment, unable to relocate when offered by my company, unable to be independent for the foreseeable future and unable to contribute to the community and economy as a consumer or investor. It has severely impacted my mental well being to a point where I question the value or meaning of my own life if I can never get out from under this debt. I am in desperate need of relief from the monthly payments that disable me from financially investing in any other part of my life. My loan service company is Discover Student Loans. I have pleaded with this company, applied for hardship assistance ( a program which is only allowed per borrower a limited amount of times despite an unchanging financial situation ) and applied for consolidation, only to be denied the help I need or would otherwise not ask for. I want nothing more than to pay these payments on time and in full but I need HELP. I need someone to work with me. So I can actually live my life. Discover Student Loans is predatory, lacks empathy and does not care about the well being of their consumers.
Company Response: Closed with explanation

Timely Response

2019-07-15

NE

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: I contacted discover card helpline on their messaging option and i got auto reply some of our agent will contact you soon but I kept on waiting for almost an half an hour but there was no reply from them and till now my query has not been resolved and it is height of unprofessionalism that now their messaging option is not working at all in my discover phone application, seems like they blocked intentionally and they are continuously harassing me.So I request you intervene. Thank you
Company Response: Closed with non-monetary relief

Timely Response

2019-07-15

E Brunswick, NJ

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

2019-07-15

MN

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank
Company Response: Closed with monetary relief

Timely Response

2019-07-15

Ashland, KS

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: I am writing to report a blatant violation of the Fair Credit Billing Act committed by Discover Financial Services. I didnt have to search for very long in the Consumer Financial Protection Bureaus complaint database to find an almost identical complaint that Discover provided monetary relief for. It seems to be a pattern with them. Not only did they violate the act, but they demonstrated gross incompetence with twisting of facts and truth along the way. They literally failed to do their jobs and tasks they told me they would assist with, then had the nerve to blame me for it. First of all, I lost function of my XXXX during a XXXX on my XXXX in XXXX of XXXX. I had to relocate to my hometown to be closer to family. I have since regained some function and ability to live independently, but that has been very recent. I dont share this for sympathy, only that my condition causes many, MANY health problems that the additional stress inflicted by DFS has made into a danger. Its not their responsibility to coddle me for that, but their blunders and incompetence have caused a great deal of stress and I have lost HOURS dealing with this and doing all of their work for them. I have been a customer of Discover since XXXX. I was also a customer of theirs in the early XXXX. I have never been in default with them and have an excellent credit history with not only them, but every creditor I have ever done business with. I have spent ten years in banking and am confident I know the FCBA well enough to spot easy violations and completely unethical behavior. In fact, in my opinion, their violation warrants an obvious violation of Federal Law. I am attaching letters that I have sent discover and copies of letters they have sent to me. I have spelled out many, many times what happened and Discover refuses to take responsibility that is legally theirs. On XX/XX/XXXX, I received an email from Discover Card stating that my card had reached the maximum limit and asking if I recognized some charges. I called them right away as I did not recognize all of the charges. At first I thought someone had made a copy of my card and was using it locally. Discover immediately closed the account. I reported some of the pending recent transactions as fraudulent, then called back and reported more as I had time to dig in. I dont have the luxury of being in front of a computer all day long and it was not possible for me figure it all out in no time frame. There were some charges that were obviously fraudulent because they were at stores I never shop at. Others were just obvious amounts that I never spend. I spoke with many, many people from Discover and their tone changed as the discussions progressed. It was discovered ( by Discover card themselves mind you ) that the charges were being made from an active card. I did not know that cards with chips couldnt be copied. I had ordered a replacement card sometime within the prior few months. I failed to destroy the one I had. As it turns out at some point I lost the new card and inadvertently began using the old one again. This cant be that unique. Over the course of the ordeal Discover card decided that no fraud occurred. They never detailed in writing why or how they discovered that. Most likely because its a lie. I didnt make those charges, never gave anyone access to my card, and never authorized anyone else to do so. Because there were so many charges made, I reported the charges made at stores Ive never shopped at first and then at stores I sometimes shop at, but for amounts greater than what I had spent either recently, or ever. Two of the charges I reported I later asked to remove because they were within amounts that I spend. They were at XXXX XXXX ( the name of this store will be important later ) and XXXX XXXXXXXX XXXX. They were actually fraudulent and I was right to suspect them, but they were within amounts I spend PLUS I was initially unsure of the XXXX XXXX location. As it turns out, it shows up as XXXX XXXX on the statements, but it is says U pump it on the outside XXXX. There are two XXXX XXXX in XXXX and I have shopped at both. Neither are on that street. When I found out the location was in fact not a XXXX XXXX and WAS a u pump it I shop at, I could no longer guarantee it was my charge because Ive never shopped there. A lady I spoke to in the first week after this happened told me I would have to sign an affidavit and requested I file a police report. I dont remember the exact date this occurred, but it was sometime before XX/XX/XXXX. She requested that I file a police report and then give them the officers name, agency, and case number. I again agreed. She also said to let them send a list of the fraudulent charges because it would be in a better format for the officer to follow. I spoke with a rep on The morning of the XXXX and he aggressively told me that it was highly unlikely that the thief would shop at the same stores as me. Its not by the way, I live in a small town, not a metro. This Gentleman obviously knows zilch about statistics. The probability a thief and I would shop at the same places increases exponentially as the town size gets smaller and with the number of charges made I called in the following day to report the officers name and case number. He didnt assign a case number because he didnt consider me the victim. He assigned an incident number. He said it would progress to a case number when Discover contacted him as they were the victim. I had no say in whether the police department called it case or incident. I also wrote discover to put this in writing. I never stated that these were all of the fraudulent charges, just the charges I knew werent mine. Again, Ill spare too many more details. Discover sent me numerous pieces of mail around the first of XXXX saying they couldnt reach me, even though I immediately retuned every one of their calls. A lady called me on XX/XX/XXXX I believe and said that Discover concluded that no fraud occurred. She was very nice, but I was very upset and was difficult to deal with. She said that discover suspected friendly fraud occurred. Thats not possible as I lived alone and no family member, roommate, or otherwise ever had access to my card. She also asked why I only filed an informational report again, it wasnt my choice. I have no say in how the XXXX XXXX Police Department organized their complaints. I spoke with another rep later who said the incident would be revisited. She did tell me that Discover didnt even contact the police officer until XX/XX/XXXX, and THEN didnt even send him information until the beginning of XXXX. I think the 3rd or 4th. They blew that. Not many stores keep footage that long. I spoke to the officer again on Sunday the XXXX and he said they did contact him about two weeks after I did ( lines up with there XX/XX/XXXX date ) but NEVER sent him charges. I received another letter stating that no fraud occurred. Again, no reasons were given. I called and got another incompetent rep that said I didnt safeguard my account. This wasnt true. I lost a card. That doesnt qualify as not safeguarding an account. I didnt authorize anyone to use it and didnt give anyone possession of it. She then said that thieves dont just but a bottle of wine and then return the card. This was also nonsense. She seems to have over looked that there were two cards. No thief stole a card from me and then returned it repeatedly. Thats crazy. I called in again later and got a rep with some sense. He asked me what a series of numbers on the back of the card were. I gave them to him. He said that every charge I reported were made from the other active card that was lost. Somehow through Discovers gross incompetence they lost track that there were charges being made from two cards, even though they were the ones that discovered that. I didnt know these cards had sequence numbers and if I did a lot of time would have been saved. EVERY CHARGE I reported was made by the lost card. And of course they were. Im not a thief. There were additional charges that I didnt identify that were, just as I suspected, made at stores I shop at regularly and for amounts within my spending pattern. Thats why I didnt report them. I couldnt do it because I couldnt prove it with a clean conscience. I was right to do so. I never said I had identified every charge. I told at least XXXX rep I thought there were more charges that were fraudulent, but I would eat them because I couldnt be sure. Interestingly, the two charges I had asked them to be removed from the list of fraudulent charges, were in fact made with the stolen card!! I was right about that too! I just couldnt prove it. I sent them a letter around XX/XX/XXXX and it is attached. It was dated XX/XX/XXXX, that was a typo. They opened another investigation but again claimed fraud didnt occur. I called AGAIN, on either XX/XX/XXXX or XXXX and spoke with a guy named XXXX. He said it was denied because the thieves shopped at the same stores as me ( they are still stuck on thinking thats unlikely ), there were delays in communicating with the police ( their fault, not mine ), he mentioned MULTIPLE CALLS made ( of course I was freaking out and it was one more thing on my plate I didnt need ), he also claimed I at one time reported a charge as fraudulently that was made on the card in my possession. Totally untrue. If I ever VERBALLY included one it was a slip of the tongue or human error, but I cant see how thats possible because NONE were included on the affidavit. He said there were inconsistencies in my story and its in their notes. Their notes have already proven to be a joke. Some of their reps understood we were talking about two cards, while others couldnt comprehend it. He told me just to agree to disagree. Sorry, I cant do that. Im not responsible for those charges that total over {$1700.00}!!! He also said that the fact I was a longtime customer was not objective. It actually is. It is HIGHLY UNLIKELY that someone with a perfect history with Discover would wake up one day and go on a dollar and grocery store shopping spree. I emailed the CEO of Discover on XX/XX/XXXX. I received a call from their executive office 15 minutes before they closed from a lady named either XXXX, or XXXX XXXX. I called them the next day got a lady on the phone that said she wasnt there yet, but that she was just calling to let me know she was investigating. I asked to have her call me anyway. I wanted to talk to her personally. She said OK. I called back about four hours later and got the same scripted response from a male that said she was just calling to let me know she was investigating. I asked to have her call me back. He said he would. She didnt call me until the following Monday which was XX/XX/XXXX. My phone was dead, but she left a message saying she had a courtesy update. I called back and got a lady on the phone who said Ms. XXXX was in a meeting, and there was nothing in the file about why she called me, but that she would be calling me back literally within the hour. I really needed to talk to her because this whole time I had been continuing to speak with the nice officer who originally took my report. They now considered me a victim since Discover washed their hands of it. He said all of the charges were considered separate crimes, so they wrote up paper work for 36 crimes and assigned individual cases numbers for each one. Im attaching letters Ive sent Discover. They have more details and dates, as well as the letters they sent me that didnt even say how they determined there was no fraud. Probably because its not possible for them to do that. The only thing I can add, or once again point out is that XXXX XXXX is a town of less than 9 square miles. We have XXXX XXXX. We have two XXXX food stores. Every human being and some dogs that reside in XXXX XXXX have been in all three of those stores, and more than likely, regularly. It is not at all unlikely for a thief to shop at those three places regardless of whether or not I do. I was a heavy smoker until recently. I bought cigs and snacks at nearly every convenience store in town depending on what part of town I happened to be in that day. These fit my patterns in other towns I lived in as well. Coincidentally, two of those gas stations were of the very few I DONT SHOP at. There were plenty of places I dont shop at made with the stolen card. I still cant believe they had the audacity to say there were delays in communicating with the police. They were Discovers delays!! Even if any of these events were unlikely which they arent, it doesnt prove that fraud didnt occur. I reported this to the police promptly. Discover failed to follow up. If I was excited on the phone it doesnt mean I was a dollar store Bandit, Im a human who happened to already be stressed out. It is obvious to me that Discover has never really looked into this. Ive done all the work. Theyre looking for any little way to get out of it and are too stubborn to reverse their illegal failure to absorb the costs of the fraud. They can suspect me all they want. They cant prove anything because I didnt do anything wrong. Perhaps we could have caught the real thief if they would have followed up with the officer in a timely fashion like they said they would. Ive worked in banking. Ive seen fraud. Local thieves who use stolen credit cards often make a series of purchases at different stores. Discover is terrible at statistical probabilities. It seems their investigators heard that in a continuing ed, or training class because they all repeat it. Its actually likely in many scenarios. I have a XXXX XXXX in XXXX and took graduate level statistics classes. Im fairly confident I know my stuff when it comes to that. Attachments included. The email from the officer with the new case number. The email I sent to Discovers CEO. Letters I sent to discover. Letters they sent me back that failed to state how they determined fraud didnt occur. And so on Im forwarding this complain to every state and federal banking committee and subcommittee, the United States and Kansas Attorney Generals, just so theyre aware of it if nothing else. As well as every other government agency that might take an interest. I cant imagine any human going through the time and effort I have to defraud a federally insured financial institution or incriminate myself with local law enforcement and beyond. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-15

Detroit, MI

Other features, terms, or problems

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

Credit card company forcing arbitration
Complaint: I wish to sue Discover about its siding with XXXX over two charges on my bill. Discover sided with a company that falsely advertises its inspectors are certified by a couple of associations, that gave us incorrect information about an obvious issue with an air duct, that doesn't honor its own satisfaction guarantee, that said it would send out both inspectors it has on the 2nd house but only one of them arrived on inspection day, and that is unprofessional/condescending to its customers. Unfortunately, Discover is hiding behind forced arbitration which favors big business. Discover needs to remove forced arbitration clauses from its terms of service. At any rate, I do not agree to Discover 's forced arbitration policy for my account.
Company Response: Closed with explanation

Timely Response

2019-07-15

Alexandria, VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX care and have been admitted in to the hospital on XXXX watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-14

Hinkley, CA

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 reported identity theft to XXXX. I sent them a police report identifying the Discover credit card account, and the other supporting documents that they require. XXXX has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than XXXX days ago. The Discover account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {XXXX} on it. I have also provided the police report and my statement to Discover about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within XXXX days. It is becoming a common problem that XXXX refuses to follow the law, and they are acting to harm consumers knowingly and willingly. Discover is also particularly bad at following the law and removing fraudulent accounts.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-14

Gwinner, ND

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-07-14

Palmyra, MI

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 proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Company Response: Closed with explanation

Timely Response

2019-07-14

South Florida, FL

Fees or interest

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

Problem with fees
Complaint: On my current statement, with closing date XXXX/XXXX/2019, I have a mysterious fee called " MINIMUM INTEREST CHARGE FEE '' of {$0.00}. The company can not provide an explanation of what this fee is for. The account is frozen and not being used at all, and the balance on the account is on an interest-free promotion until XXXX/XXXX/2019. There should be no interest or fees at all until that date. The company appears to be extremely disorganized, the secure messaging system on their website is almost unusable, it is erratic and returns errors upon an attempt to send a message, at other times staff answer messages but are untrained, incompetent and have no idea what they are writing about. I have another complaint filed previously about a similar but different issue ( direct interest ), I received one e-mail from the company 's corporate office promising an investigation but this has not happened and they do not answer communications either. A start-to-finish disaster.
Company Response: Closed with monetary relief

Timely Response

2019-07-13

Memorial Square, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-13

Houston, TX

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-07-13

Northside, NC

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: Discover bank purchased my student loan from XXXX. I have been trying to get a Truth In Disclosure document from the bank. I have been given the run around by saying that they need to wait for documents from XXXX. My initial call was in XX/XX/XXXX and I have been calling them to check my status since and I have been getting the same answer ever since. I am trying to refinance my loan and I need this document to do it. This is a severe impediment and I am losing money because the interest rates are going up and I am at a loss at what to do here.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-12

Newnan, GA

Getting a credit card

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

Application denied
Complaint: Hi. My name is XXXX XXXX. I have never had a Discover Card. I have been a victim of identity theft and have worked hard to get it removed from my report. For some reason a bankruptcy has been reporting on my report on XXXX and I am working with them to get it removed. It has been removed from XXXX and XXXX. It was a dismissed bankruptcy, nonetheless, it shouldn't be there. On XX/XX/XXXX I applied for a Discover Secured IT account so that I could start rebuilding credit. I have an installment loan reporting but I needed a secured card. I applied and I was denied. When I called to ask why, they said it was because of the Bankruptcy. I took it for what it was. Well then, in one of my credit groups a young lady said she had gotten approved for an unsecured discover it card and she has a bankruptcy that was discharged in XXXX. So now that I see this, I really want to know what is going on and what is the real reason that I was denied. Is it because Discover doesn't like me? What is it? I don't understand. It made me feel that she either beat the system or that I am being discriminated against. I would like my application to be reviewed manually and for someone to reach out to me.
Company Response: Closed with explanation

Timely Response