Complaint Review: Discover Card - Salt Lake City Utah
On April 8, 2020 at 9:08 PM CST, I received an email from Discover telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since 2008 and have never been late on a payment. On April 9, 2020 at 9:33 PM CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history.
I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was September 2019, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision.
I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again.
I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped $15,300 worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment.
All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.
This report was posted on Ripoff Report on 04/29/2020 11:08 AM and is a permanent record located here: https://www.ripoffreport.com/report/discover-card/salt-lake-city-utah-closed-no-1494604. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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