Consumer complaint received 2022-06-04
Company: DISCOVER BANK
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im writing you today inquiring about what steps can I apply to be in good standing with the following organizations in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I filed for Bankruptcy in XX/XX/XXXX after trying to avoid it for two years due to the family hardship I endured while XXXX. After administering a self-assessment and the counsel of a financial advisor, I concluded the events and decisions that lead to the filing of bankruptcy. Shortly after entering the XXXX XXXX XXXX in XXXX, my wife had to XXXX  XXXX in XX/XX/XXXX. Due to the XXXX XXXX XXXX XXXX being at XXXX capacity, my wife was informed she had to see a provider in the local XXXX economy that was approved by our XXXX medical insurance to XXXX  XXXX. A week later my wife XXXX XXXX XXXX XXXX  and after bringing her to the XXXX XXXX XXXX XXXX XXXX XXXX, the ER physicians informed us that the XXXXXXXX XXXX XXXX XXXX. Since XX/XX/XXXX, my wife has had XXXX XXXX to correct the XXXX she received off-post. My wife has XXXX XXXX XXXX XXXXXXXX and XXXX from the XXXX XXXX she's received. After receiving the notification that she would need another XXXX. I would go on small vocations lasting no more than four days to different countries while stationed in XXXX ( XXXX XXXX XXXX ). I did this to try to relieve the stress, tension, and XXXX between the both of us. In addition, I spent thousands of dollars trying different supplemental products we thought would assist with her other medical conditions that affect her anatomy. 

The prescription medications that were prescribed to her by Primary Care Managers always XXXX XXXX XXXX and I refused to let her deal with those issues without trying XXXX  products. I've also flown family members to both XXXX and XXXX  to assist with my wife 's XXXX XXXX XXXX XXXX. Lastly, my wife and I have an eighteen-year age difference and we share XXXX adult children and XXXX grandchildren. Due to the extensive amount of available credit on my credit cards, I assisted them irrationally in terms of my spending on our grandchildren 's quality of living needs. One of our adult children is a dependent that has lived with us at both duty locations. My wife and I are legal guardians for XXXX out of XXXX grandchildren. We currently have XXXX grandchildren residing with us in XXXX. One of our grandchildren previously lived with us for a year between XXXX and XXXX, and the financial obligations associated attributed to my debt. We've immediately decided to have a discussion following my bankruptcy with our adult children about their role and responsibilities as parents, adults, and to include our financial situation which pertains to a minimal level of support financially in the future. My bankruptcy was fully XXXX on XX/XX/XXXX and eliminated {$73000.00} of debt. 

Lastly, with this information in your possession could you please consider removing late payments from my ALL credit report because Id never missed a payment to include the payment that was due in the same month as my Bankruptcy was filed in XX/XX/XXXX. 


XXXX accounts affected : XXXX XXXX XXXX XXXX  accounts affected : XXXX XXXX DISCOVER accounts affected : XXXX

Company response to consumer: Closed with explanation