z****l
发帖数: 5282 | 1 courtesy of DCjumper:
I have been a discover credit card holder since 2002.
During my entire card membership with the company,
I was never late with my monthly payments, always stayed
under my credit line, and never charged my credit card for any purposes
other than making a legitimate purchase.
This was my first credit card that established my credit history as of 2002.
About a week ago, without any warning and notice in advance, the company
closed my account and thereby wiped out my 12 years of credit history
associated with Discover card. I contacted the company and demanded for an
answer. Other than the excuse that "we are no longer able to meet your
servicing needs," the company never gave me a forthcoming response.
Upon the discussion I had with other cardholders and information I learned
from the internet, I have a reasonable belief that the closing was targeted
at a large number of cardholders with a particular racial and ethnic
background (more specifically, Chinese Americans) without a just ground. I
believe that CFPB is or will be getting more similar complaints in the near
future.
I respectfully urge the CFPB to take this matter seriously and to look into
this case. We consumers are powerless to protect ourselves from
discriminatory actions like this. But if the closing was indeed motivated
by racial bias, the company's action has to be put to an end.
Thank you. |
l*****6
发帖数: 752 | |
t*********u
发帖数: 26311 | |
m*****a
发帖数: 1158 | 4 I has been....
2002.
【在 z****l 的大作中提到】
: courtesy of DCjumper:
: I have been a discover credit card holder since 2002.
: During my entire card membership with the company,
: I was never late with my monthly payments, always stayed
: under my credit line, and never charged my credit card for any purposes
: other than making a legitimate purchase.
: This was my first credit card that established my credit history as of 2002.
: About a week ago, without any warning and notice in advance, the company
: closed my account and thereby wiped out my 12 years of credit history
: associated with Discover card. I contacted the company and demanded for an
|
w******g
发帖数: 383 | 5 写的好，顶一个。这就去file a complaint。
2002.
【在 z****l 的大作中提到】
: courtesy of DCjumper:
: I have been a discover credit card holder since 2002.
: During my entire card membership with the company,
: I was never late with my monthly payments, always stayed
: under my credit line, and never charged my credit card for any purposes
: other than making a legitimate purchase.
: This was my first credit card that established my credit history as of 2002.
: About a week ago, without any warning and notice in advance, the company
: closed my account and thereby wiped out my 12 years of credit history
: associated with Discover card. I contacted the company and demanded for an
|
l*****n
发帖数: 517 | 6 有没有翻看discover当年申请卡的条款，里面应该有说discover有随时终止你服务的权
利吧。 |
w******g
发帖数: 383 | 7 那我们也有complain的权利啊。终止服务没有问题，但是如果这个决定是基于种族或者
其他不合理的理由，这也是不行的。
【在 l*****n 的大作中提到】
: 有没有翻看discover当年申请卡的条款，里面应该有说discover有随时终止你服务的权
: 利吧。
|
d********f
发帖数: 8289 | 8 doesn't matter, if discover closes all Chinese, then it is discrimination.
Of coz there is no way to prove that now unless a class lawsuit is filed.
【在 l*****n 的大作中提到】
: 有没有翻看discover当年申请卡的条款，里面应该有说discover有随时终止你服务的权
: 利吧。
|
z****l
发帖数: 5282 | 9 my bad when revising the original, just corrected it.
an
【在 m*****a 的大作中提到】
: I has been....
:
: 2002.
|
a*********0
发帖数: 4998 | 10 ：－）
【在 z****l 的大作中提到】
: my bad when revising the original, just corrected it.
:
: an
|
|
|
w****u
发帖数: 3147 | 11
2002.
【在 z****l 的大作中提到】
: courtesy of DCjumper:
: I have been a discover credit card holder since 2002.
: During my entire card membership with the company,
: I was never late with my monthly payments, always stayed
: under my credit line, and never charged my credit card for any purposes
: other than making a legitimate purchase.
: This was my first credit card that established my credit history as of 2002.
: About a week ago, without any warning and notice in advance, the company
: closed my account and thereby wiped out my 12 years of credit history
: associated with Discover card. I contacted the company and demanded for an
|
f*********s
发帖数: 3525 | 12 怎么用？
2002.
【在 z****l 的大作中提到】
: courtesy of DCjumper:
: I have been a discover credit card holder since 2002.
: During my entire card membership with the company,
: I was never late with my monthly payments, always stayed
: under my credit line, and never charged my credit card for any purposes
: other than making a legitimate purchase.
: This was my first credit card that established my credit history as of 2002.
: About a week ago, without any warning and notice in advance, the company
: closed my account and thereby wiped out my 12 years of credit history
: associated with Discover card. I contacted the company and demanded for an
|
M**r
发帖数: 380 | 13 方博士，建议先说一句话来总结一下你要干什么，不要绕弯子。比如：
I am writing you to lodge a formal complaint about the racial discrimination
by Discover Financial Services that led to the sudden, unjustified closure
of my Discover credit card. |
M**r
发帖数: 380 | 14 Here you go:
I am writing you to lodge a formal complaint about the racial discrimination
by Discover Financial Services that led to the sudden, unjustified closure
of my Discover credit card.
The closed Discover credit card was the first card that established my
credit history in 2002. Since then, I have never missed any payments, never
spent over my credit limit, and never used this card for illegitimate
purchases.
About a week ago, the company closed my account, without any warning and
notice in advance, and thereby greatly shortened the age of my oldest credit
account. I contacted Discover for several times to request an explanation,
but the company never gave me a straightforward response other than the
excuse that "we are no longer able to meet your servicing needs".
Based on my discussions with other cardholders and information learned from
the online community of Discover cardholders, I believe that this wave of
Discover’s closure of accounts was targeted at a large number of
cardholders with a particular racial and ethnic background (more
specifically, Chinese Americans) without a justified ground.
I respectfully urge the CFPB to investigate Discover’s possible racial
discrimination regarding the closure of its credit cards. As a consumer, I
believe it is CFPB’s responsibility to restrict unfair, deceptive, or
abusive acts or practices and to protect consumers from any kind of
discriminations by financial companies. |
z****l
发帖数: 5282 | 15 你写得太好了。
把你的当作样本之一，加到首贴。
discrimination
closure
never
credit
,
from
【在 M**r 的大作中提到】
: Here you go:
: I am writing you to lodge a formal complaint about the racial discrimination
: by Discover Financial Services that led to the sudden, unjustified closure
: of my Discover credit card.
: The closed Discover credit card was the first card that established my
: credit history in 2002. Since then, I have never missed any payments, never
: spent over my credit limit, and never used this card for illegitimate
: purchases.
: About a week ago, the company closed my account, without any warning and
: notice in advance, and thereby greatly shortened the age of my oldest credit
|
y****3
发帖数: 959 | |
n******l
发帖数: 4407 | 17 revised a little and submitted |
a*t
发帖数: 1792 | 18 thanks
=========================
We're on it.
Thank you for submitting your complaint.
Your complaint number is: #14589983-5983895
Expect an email confirmation shortly.
You can check the status of your complaint at any time. |
b********i
发帖数: 192 | 19 你们都是Chinese American了？？？ |
b********i
发帖数: 192 | 20 我建议可以改成residents with Chinese last names.
【在 b********i 的大作中提到】
: 你们都是Chinese American了？？？
|
m****s
发帖数: 1945 | 21 Cardholders with Chinese names ?
【在 b********i 的大作中提到】
: 我建议可以改成residents with Chinese last names.
|
