Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX of 2019 I opened a credit account with DISCOVER Financial services ( Discover Card ). From XXXX of 2019 thru XXXX I never received any account information ( statements ) from Discover about my credit card use, balance, payments due, etc. Finally, I find out after months that they have turned me into the three Credit scoring agencies, XXXX, XXXX and XXXX, as a delinquent account ruining my XXXX point credit score. 

We contacted Discover Card Services to ask why we were reported to a credit agency when for 5 months we never once received any kind of statement on our card use. We have multiple other accounts and receive statements monthly. DISCOVER stated we opted for a paperless account where we receive no statements. I advised them we did not knowingly do any such thing as all our other accounts we receive statements for and have an OUTSTANDING PAYMENT HISTORY with all our accounts which was why our score was as high as XXXX with all three credit reporting agencies. We offered to pay off the balance at the time to show good faith and to repair the damage they had done to our credit score. 

DISCOVER Credit Card could careless and did not even attempt to understand our situation and that we would not knowingly ruin our own credit over a {$500.00} balance. Had we received any notifications for payment, they would have been made. Our credit history with XXXX, XXXX and XXXX  show all our accounts as stellar on PAYMENT HISTORY. However, DISCOVER WOULD NOT BUDGE nor admit possibly an error was made on their part. There was no consideration whatsoever. I have a other relationships with XXXX, XXXX and others, where I have credit lines of {$20000.00} and higher and have never once been late or had a bad credit report. 

DISCOVER FINANCIAL SERVICES is not consumer friendly and could careless about who's credit they ruin. I had to speak with a {$14.00} an hour customer service representative and could never get past the front line staff to speak with a manager or someone else who could assist me with my situation. 

This action on behalf of DISCOVER has ruined my longstanding credit history and is affecting my ability to get low interest loans and many other advantages of a great credit score, which I had for years, before dealing with their unfair practices and unwillingness to help me resolve a glitch in their billing process. 

I need help or direction on whom I can go to in order to get this black eye exponged from my credit history. DISCOVER CARD needs some lessons in customer service. I work with customers every day and oversee a very large service organization. I would never loose a customer this way if I could help them with a fair and equitable resolution to an oversight in our billilng practices or business processes. 

If there was a way to RUIN DISCOVERS financial standing in the marketplace I would do so. It is completely wrong that a business can do this to a consumer with no effort to consider perhaps their practices or ways of conducting business many have caused the issue to begin with. 

How could I have been enjoying a XXXX point credit score with all the other major credit card companies for so long and they not even consider perhaps they made a mistake on our billings? 

I need some help or direction on who I can go to in order to get DISCOVERS black mark on my credit history removed.

Company response to consumer: Closed with explanation