Discover Credit Card Complaint

Discover Credit card department,

Credit line increase/decrease Texas

Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, -, on -/-/15, that Discover used to decrease my credit limit. I contacted Discover on -/-/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately $1300.00 to $200.00, which was alarming because I had not used the card in weeks, since making a payment of $1200.00 to the account. I was informed by - that a credit card utilization review of my account had been completed, based on information from -, and it was decided to decrease my limit from the $5200.00 to $4000.00. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the $5200.00 from the original limit of $4500.00. I contacted - and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was -/-/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly


informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in -/-/-, specifically -/-/2015, I paid off a $6000.00, credit line with - -, a $7000.00 personal loan with - -, a $500.00 line of credit with - - - - ( - ), ( formerly - - - - ), a $6000.00 personal loan with -, paid off my credit cards with - - and -, all, which have not yet reported for -/-/-.