Discover Credit Card Complaint

Discover Credit card department,

Credit determination California

Discover sent me a preapproved application for credit. I have perfect credit scores and submitted an application based on their offer. After I submitted the application, their system asked me to call the company directly, I tried calling Discover the same day, and they were closed ; so I had to call the next morning. When I called, the analyst that answered the phone told me that the credit decision might need another 24-48 hours to finalize processing. That sounded odd to me since most applications are approved immediately. I inquired further into why it will take so long? The analyst at Discover gave me no real reason as of why, and it seemed that she truly did n't understand her company 's process, at that point, I was disappointed with clarification, and with the training Discover provided their employees. Since my call was a waste of time, I did n't care to stay on the phone any longer. I wanted to move on with my day, so I hung up expecting a decision in the mail. Three or four days later, I receive a letter that my credit application has been withdrawn. I never agreed to withdrawing my application,


and if I was not happy with what happened, I would need to call Experian the credit company directly to discuss my credit check. I called Experian, and was not able to connect to any live human beings, it was one phone tree after another, and then at the end, the line gets disconnected no matter how many times I called. I was very upset and wanted to speak to a manager at Discover since this has impacted my credit, and wasted my time. After calling back and being put on hold, I was able to speak to a manager by the name of -, she basically told me that she can not do anything, and that if I was still interested in a Discover Card, she would have to run my credit again. Now I do n't think a company should be getting away with this, they falsely advertised to me offering a pre-approval, and when I did believe them and applied, they had me waste my time to personally call them, then they wrongfully withdrew my application, denied me credit without confirming with me if that was my true intention, and impacted my credit scores with their useless credit inquiry. Something needs to be done to protect consumers out there from this type of predatory advertising, and Discover 's bating and switching.