Discover approval but nightmare

[Anonymous]

Long story short, I previously had a discover card, called customer service asking about applying for a new card. The representative took my application and approved me for the Discover Miles for $500. Extremely disappointing considering I have scores all above 720. So, I asked if I could transfer some of my line of credit on my discover IT (4500) to Discover Miles. She stated yes, and said the process was complete. So, later that morning I run to Parena and my Discover card gets rejected. I felt humiliated considering I'm a paralegal and was buying my clients breakfast to discuss their case. I called Discover's customer service afterwards and they stated my discover It card was closed by my request. I never authorized it to be closed and they refuse to reinstate it. After I threw a fit, I asked to apply for a credit line increase on my Discover Miles and was rejected, representative stated it was too due account not being open long enough, which I understand. I lost my discover IT card that had a credit line of 7800 and I had that open for many years. Probably close to five. Has anybody run into this problem and know what to do? I've attempted to speak to a manager but they've no interest in helping. Any suggestions would be greatly appreciated.

[CreditCuriosity]

Sorry to hear about your experience.. I guess congrats on the approval.  Discover doesn't have UW's.  What the computer says goes.  They might call themselves credit analyst or underwriters, but they are nothing more than regular trained CSR's and what the computer says goes.  Whether you can bark up the chain through he EO and get the account re-opened it might be possible as the conversation is most likely recorded and ask them to pull up the conversation if you know the time/date that it happened.  I have had HP's and various other credit related things addressed this way although not with Discover, but other lenders and the recording verified my point and that the CSR was indeed wrong and they have made it right being other lenders in the past.  Maybe take that route?

[Anonymous]

I already tried asking them to pull up my conversation to make this situation right. Everyone I speak to is very polite but clueless, keep getting transferred and I feel like nobody know what they're doing there. I'm pretty pissed considering I lost a healthy line of credit and I can't even begin to say how much money I spent over the last five years. Complete and utter disgust if I may say.

[CreditCuriosity]

I would Keep pursuing it personally as if they made the mistake they should fix it.  Might take ALOT of patience and holds, etc..  Hopefully you can get someone on the line that has a clue, if not then a letter might be the best method, but i can guarantee you that conversation was recorded.   Best of luck whatever you do!

[austinguy907]

CSR's are one thing and Lending is a different thing with Disco.  Give this # 800-347-4856 a call and see if they can reverse the closure.  These are the ones that make decisions on things when you get a 2-day on a CLI and have a little more power to do stuff.

[Anonymous]

Lending gave me $250 increase. That just adds insult to injury, literally. This whole situation is ridiculous, I'll probably end up closing this card and quit using Discover as a whole.

[someg33k]

WOW that sucks OP!

I would not let this go. Contact the EO and make them fix their mistake.

[MB2714]

Have you considered. Filing a complaint with the Consumer Financial Protection Bureau? I have always found going through them usually gets the most effective resolution as companies don't like unresolved complaints

[Anonymous]

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@MB2714 wrote:
Have you considered. Filing a complaint with the Consumer Financial Protection Bureau? I have always found going through them usually gets the most effective resolution as companies don't like unresolved complaints

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I actually have not, but I do know a great credit attorney, so if I can not solve the problem myself, I might give her a telephone call and ask her for suggestions. Although, I will be looking into that, thank you for the suggestion.

[gibeon]

From Discover's Website: 

Cardmembers with concerns regarding their personal credit card account should contact our Executive Office of Customer Advocacy at 1-866-222-0536

Good luck getting your card back!