A couple weeks ago my Discover card wouldn't let me make any transactions, so I called CS and they told me that my account was under review because of another Discover member's account that is under review and I have been associated with that user. When I asked how I have been associated, they said it may be an AU. They asked me regarding all my AU's and said that I'll get further information late on.
A couple days later my account was closed altogether. They just sent me a message through the secure message center saying:
Dear ****,
As part of normal account review procedures, we have reviewed your account. Based on this review, we are closing your credit line to further transactions. The following reason(s) will help explain our decision:
- WE ARE NO LONGER ABLE TO MEET YOUR SERVICING NEEDS
Our credit decision was based in whole on the information found on your account.
Has anyone rlse had this happen to them, what did I do wrong? I cannot think of anything that might have caused this. Would it be normal for a credit issuer to close an account because of your AU's account has an issue?
Does anyone have any suggestions or best contact details for corporate.
Lastly, does it affect my credit/score in any way?
By the way it's worded Op it sounds like the person you had as an AU was under question. Obviously if thats the case, anything and anyone under your account means you bear that responsibility. Curious to hear more.. if you care to share the activity by the AU?
Sounds like your AU did something that Discover did not like. They then cut you and the AU off to protect themselves. Remember that anything still owed on the account is still due.
Looking at a previous post by the Op in July... it looks like the Op's sister was added as an AU to the Discover card, approx 20 years old. Still hope to hear more data points on this to get a better grasp.
Sorry for not getting back sooner, I didn't have a chance in the past couple days.
To all those asking, I want to clarify that I was referring to an AU on my account. I believe I'm not an AU on any Discover card.
@Cred4All wrote:Obviously if thats the case, anything and anyone under your account means you bear that responsibility. Curious to hear more.. if you care to share the activity by the AU?
There was nothing going on on my account. The AU on my account was for whatever reason under review on a different account.
@zerofire wrote:Sounds like your AU did something that Discover did not like. They then cut you and the AU off to protect themselves. Remember that anything still owed on the account is still due.
That doesn't make sense nor does it seem fair. As Cred4All said, ultimately I'm the one responsible for any activity on m account so even if the AU screwed up on a different account, that shouldn't impact my relationship considering I've been a longtime customer and had no issues on my account. I fail to see what the risk was that they needed to 'protect themselves' against.
@Anonymous wrote:Sorry about this. How long have you had the card? Did you have multiple AUs on your account?
I actually have had two cards with them, going back to 2013 and 2014. Yes I did have 3-4 AU's
@Cred4All wrote:Looking at a previous post by the Op in July... it looks like the Op's sister was added as an AU to the Discover card, approx 20 years old. Still hope to hear more data points on this to get a better grasp.
She does not have her own Discover card yet.
@Anonymous wrote:Just guessimating from your post that you are the primary cardholder and not the AU. If DISCO closed your account, I'd reach to your AU and find out exactly what may have led to this outcome. Hoping you get to the bottom of this...
I did reach out to them, all the rep would tell me was basically repeating what was on the letter.
I asked what options I now have and they told me to reach out to corporate. I'm considering doing just that, however, I'd like some advise on which tone to use. Should I reach out begging and pleading to have my account reopened (I have a Discover Checking as well that I can maybe use to have them reconsider my case), or should I come in tough talking legal jargon and consumer rights, demanding to have my account reopened.