Discover投诉样本# ebiz - 电子商务
z*l
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【 以下文字转载自 Money 讨论区 】
发信人: zengdl (方鸿渐博士), 信区: Money
标 题: Discover投诉样本
发信站: BBS 未名空间站 (Sun Feb 15 11:26:54 2015, 美东)
样本1, courtesy of MSer:
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.
样本2, 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.
发信人: zengdl (方鸿渐博士), 信区: Money
标 题: Discover投诉样本
发信站: BBS 未名空间站 (Sun Feb 15 11:26:54 2015, 美东)
样本1, courtesy of MSer:
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.
样本2, 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.