How do I access Discover savings or loan accounts online?
Is Discover login secure for online banking?
Is my Discover account login secure?
I know it probably wasn't the best idea, but I had some unexpected school expenses last year and I got the loan through Discover (where I also have a credit card). It's the kind where you don't have to pay until you graduate, so I hadn't been paying too much attention.
Now every now and then, I've started to get emails from them saying I have a message on my loan account. The problem is, I can't log in to my account. At first I thought it was a one-time glitch, but it's happened every time. When I try to reset the password says it has no record for my social security number or my birthday.
But the emails keep coming. I have to log in to contact customer service about my account, which I can't do. So what do I do? Pretend this never happened and walk away? Seems like a bad move. Has anyone had this happen before?
I checked my physical mailbox today and in it was a letter claiming to be from Discover. It seems legit and had a "Presorted first-class mail US postage PAID dfs" disclaimer in the stamp spot. The letter said "Thank you for your interest in Discover Personal Loans" and it continued "We are writing to you to let you know that we could not approve your loan request at this time because: Too few accounts in current status, requested loan amount is too high, high ratio of open bank revolving accounts to total open accounts."
Thing is, I DIDN'T APPLY FOR A LOAN. I don't even have a Discover card. I used to be an "Authorized User" on my ex's Discover card, but I thought I had gotten all of that taken care of. As far as I know, I haven't been an authorized user on that card since like 2018 or 2019. That card still shows up on my Credit Karma account, but it always reads $0 and doesn't appear to affect my score. My credit scores are pretty good (over 780), and I only have 2 credit cards including a store card, both of which I pay off regularly. Could this be my ex attempting to apply for a loan? Regardless, what do y'all recommend my next steps be? Should I do a written response to the address provided in the letter from "Discover"? Should I freeze my credit? Change my passwords?