Discover 4506-C Secured Request ~ Declined

[Anonymous]

Morning,

13th statement closed a couple days ago. Received 4506-C email request. Immediately called to close the card. 

~Never unsecured. Started at $200, increased to $1500. Never late, never over the limit, moderate usage etc., 

~Haven't falsified income but if I submit to this request it needs to be for a new account, didn't feel secured was worth it. 

Recently approved for a $1000 Target card which is far more valuable to me based on spending habits so this wasn't a particularly hard decision. Might consider Discover again in the future, loved the customer service. 

[Trini88]

Did your request come in a letter with Discover labeled on the front of the envelope.

[Anonymous]

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@Trini88 wrote:

Did your request come in a letter with Discover labeled on the front of the envelope.

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Hi there. It was an email request.

 Its possible they also sent it via regular mail but I haven't checked the mail this week.

[Rebuild2019]

Interesting OP. My question is where does this info end up when you sign off on it. My job of 30-years allowed me to obtain all kinds of information, but your taxes were not part of that. There is a reason your taxes were not part of it. We all need to be a little more careful who you give that access too and why. I would have closed it out. Just MHO.

[Anonymous]

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@Rebuild2019 wrote:
Interesting OP. My question is where does this info end up when you sign off on it. My job of 30-years allowed me to obtain all kinds of information, but your taxes were not part of that. There is a reason your taxes were not part of it. We all need to be a little more careful who you give that access too and why. I would have closed it out. Just MHO.

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Understandable. Honestly I'm not 100% certain I'd comply with this in the future.  

If its for income verification purposes check stubs and bank statements should suffice. If its ID verification there are multiple documents I could submit. 🤷🏽‍♀️

[Rebuild2019]

100% agree. If it’s for a mortgage I completely understand.

[Trini88]

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@Anonymous wrote:

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@Trini88 wrote:

Did your request come in a letter with Discover labeled on the front of the envelope.

---

Hi there. It was an email request.

 Its possible they also sent it via regular mail but I haven't checked the mail this week.

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Thank you. I also have a secured card with them and yesterday I saw online that I was getting this random letter from Discover but I reported that it never came to my mailbox. Thought it was that same form but you said they email you first so thank you for responding 😃. 
As for your situation, that really sucks, I always said if they ever asked me for the same info that it better be after I get my cash back match 😂

[Anonymous]

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@Trini88 wrote:

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@Anonymous wrote:

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@Trini88 wrote:

Did your request come in a letter with Discover labeled on the front of the envelope.

---

Hi there. It was an email request.

 Its possible they also sent it via regular mail but I haven't checked the mail this week.

---

Thank you. I also have a secured card with them and yesterday I saw online that I was getting this random letter from Discover but I reported that it never came to my mailbox. Thought it was that same form but you said they email you first so thank you for responding 😃. 
As for your situation, that really sucks, I always said if they ever asked me for the same info that it better be after I get my cash back match 😂

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Makes sense. I'd already deposited mine so didn't think about it. 😂

[practical1]

My initial response to reading your posts would be: this is likely a scam, an attempt to secure very private information for identity theft.  It seem preposterous that any legitimate credit issuer would ask for -- or need -- income verification for a secured credit card, specially after you've had an account with them and without any explanation.

Did you happen to call Discover and ask if they actually made this request, or did you simply close the account?  I receive calls all the time from scammers claiming to be "MasterCard and Visa Verification Services" or some such -- an immediate hang-up, if their numbers were not already blocked.  This kind of thing is becoming an epidemic -- as email phishing is often being blocked by browsers and anti-virus packages, the crooks are getting more and more creative.

Thoughts anyone?

[Anonymous]

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@practical1 wrote:

Did you happen to call Discover and ask if they actually made this request, or did you simply close the account?  I receive calls all the time from scammers claiming to be "MasterCard and Visa Verification Services" or some such -- an immediate hang-up, if their numbers were not already blocked.  This kind of thing is becoming an epidemic -- as email phishing is often being blocked by browsers and anti-virus packages, the crooks are getting more and more creative.

 Hi there. I confirmed with the rep that this was in fact Discovers request before I asked to close. Never actually clicked anything in the email bc it does look slightly suspicious at first glance.

But based on numerous other threads about the same issue, including a mega thread I can't seem to locate, I was fairly confident this wasn't a scam or fraud. Seems to be Discovers thing.