Discover Credit Card Complaint

Discover Credit card department,

Customer service / Customer relations California

On - - 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to - - -. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with - Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, -, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number - - - Sincerely, - - Discover Card Apllication reference number is : -.