Consumer complaint received 2022-07-11
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Customer Advocate XXXX wrote in response to my complaint on XX/XX/XXXX For your records I have sent the last 24 months of statements. We have confirmed we are reporting the account accurately to the credit bureau reporting agencies and we are unable to honor your request to remove or alter the credit history previously reported as it is a factual representation of what occurred. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. The credit bureau reporting agencies that we report to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at XXXX. I am typically available XXXX, XXXX XXXX p.m. ( ET ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Discover XXXX : CFPB Unable to honor request for factual information is a bunch of XXXX in respect to law this account was in good standing from XXXX until XXXX The Cares Act protected my payment history during that time frame it became delinquent In fact 15 U.S.C. Section 16 F states F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; Or I interjected this part to the law Sir A PHE lasts for 90 days and must be renewed to continue ; the XXXX for XXXX has been renewed several times, most recently in XX/XX/XXXX, and is currently scheduled to expire in XXXX XXXX. The XXXX XXXX has said that it will give states a 60 day notice ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. The law hasnt terminated.!!!!!!!!!

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 
The account was not charged off and on XX/XX/XXXX I made a payment of XXXX the account has been current since that time frame. 
Please sir look at the records Ive enjoyed my Discover relationship. I was recently awarded XXXX for telling my friend about your excellent customer service. Remove the 60 day late notation immediately! 

Thanks

Company response to consumer: Closed with explanation