Discover closed my account !! Need advice on next move

[bellrock190]

Discover sent me an email requesting my 4506-T. I provided it as I had filed taxes for 2019 and that was what they needed to verify the account. A couple of weeks later they said that they could not verify my information and closed my account (see letter below)

Although the tracking doc from the USPS indicated that the IRS receievd my tax returns, I have not been able to verify that they actually did, either online or by phone (can't get through to anyone)

Question: What is my best move at this point ? The manager of the "verifications" department said there is nothing she can do-it's been closed already--and will be reported as 'Closed by Grantor"--how bad of a hit is that ? Can I dispute/reverse this ?

[K-in-Boston]

Unless your utilization is affected by the reduction in available credit or other minor metrics like % of revolving accounts reporting a balance are affected, there should be no harm in the account being closed.

Any attempt to dispute the account will only result in it being affirmed by Discover.  As a reminder, discussion of disputing valid credit reporting data is not allowed here.

[bellrock190]

I didn't mean dispute the card, I menat dispute/reverse the decision to close the account

[blindambition]

Definitely don't dispute. It's accurate reporting. When validated, scores will suffer.

Discover has reopened closed cards. It's a rare occurrence, but has happened. I'd try to contact the Executive Office for assistance. No guarantees they can reverse, but nothing to lose by trying.

[Brian_Earl_Spilner]

Unfortunately, you can't dispute or challenge their decision. Their systems are pretty automated and once something is submitted, there's almost no chance of reversal. They're going to simply tell you to reapply.

[bellrock190]

Update:

Good thing I kept at it and kept asking to get to another level of supervisor--persistence proved key and they "re-opened" the account !

Btw, this is after several CSR+managers said exactly what was said on this thread, that "it's a system thing, can't be changed".

Lesson here is, when you are in the right as a customer, keep fighting--I actually DID submit my 4506-T, and I actually HAD sent in my taxes--but the IRS seems to be deluged now and somehow lost track of my returns. I persisted in seeing if there was other documentation I could provide, and found a supervisor to accept 3 mo. bank statements as verification.

If anyone finds themselves in the same boat re: account verification with Discover, DM me and I'll shoot over the name, number and email of the supervisor who finally helped me.

See re-instatement letter below:

[AllZero]

Congratulations on your success!

[OmarGB9]

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@bellrock190 wrote:

Update:

Good thing I kept at it and kept asking to get to another level of supervisor--persistence proved key and they "re-opened" the account !

Btw, this is after several CSR+managers said exactly what was said on this thread, that "it's a system thing, can't be changed".

Lesson here is, when you are in the right as a customer, keep fighting--I actually DID submit my 4506-T, and I actually HAD sent in my taxes--but the IRS seems to be deluged now and somehow lost track of my returns. I persisted in seeing if there was other documentation I could provide, and found a supervisor to accept 3 mo. bank statements as verification.

If anyone finds themselves in the same boat re: account verification with Discover, DM me and I'll shoot over the name, number and email of the supervisor who finally helped me.

See re-instatement letter below:

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Congrats!

[Anonymous]

Good job applying pressure and getting the decision reversed.  I think too often people give up without trying hard enough or listen to members of this forum that may not have not had success in the past and think certain things aren't possible.

[tricie17]

This is wonderful news for you.  Congrats!