Consumer complaint received 2021-12-28
Company: DISCOVER BANK
State: TX
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:
Dear Discover Bank, Subject : Disputing Information in Credit Report, I am writing to dispute the following information that your company supplied to the credit score companies. My credit report shows 3 late payments on my credit score. 

Discover bank reported 3 late payments on my credit score for the months of XXXX, XXXX, and XXXX for the year of XXXX. 

I was under the impression that I had paid off the balance of the credit card. During that summer, you can check on your records that I tried to login to the mobile app online multiple times but the website was not working and kept giving me errors. I even had a talk about this with discover bank with a rep and paid the bill over the phone. 

A few months later, I had not received any bills in the mailbox. I understand that the account is registered under electronic billing but when the matter is about unpaid balance for 30 days, I should at least get confirmation of communication that I am told there is a balance. 60 days passed, and then 90 days passed and the account was unpaid. 

The email that the bills or statements were being sent to was a college mail. The college student email was no longer valid and have no access to that email for a very long time. I graduated college in XXXX of XXXX. And the unpaid reporting to my credit score was for XXXX, XXXX and XXXX right after. 

I had not even received any phone calls for late payments. Even I did receive the phone call, I paid the balance immediately over the phone. 

There were no money issues, I can show my bank statements for the months that the balance was not paid, you will see that I had more than enough capital to cover the balance. 

Discover bank was one of my first credit cards I applied for when I was a student in college. I believe I got the card in XXXX with a credit limit of only {$500.00}. I paid the bill on time and even early every single month for years and my credit limit even went up to {$3300.00}. I have never made a late payment on any of my credit cards with any bank. I have a very good record. 

I was so disappointed because I've tried to contact discover about this issue but I have had no luck. I have been a very loyal credit card user or years since I was a college student but the problem came when I graduated and had no loner access to the email account or the bank login on the mobile app for some odd reason. My phone number on the account might have been different even though I've reported a different number change to the bank many times. 

During the time I was also out of country, in XXXX. During my visit I had conceived the XXXX XXXX XXXX and was sick for a very long time during XXXX and XXXX. I was in the XXXX XXXX XXXX  XXXX and even missed my flight due to it. Then I was stuck in XXXX for many more weeks as there was a travel ban on all the flights. It was one of the worst times of my life and I was really worried about paying rent and bills as I was not ready for the unexpected events. I was not receiving paychecks from work due to extended time away from the country and I didn't truly know when I would be able to fly back due to the emerging DELTA variant. 

At the moment, due to the credit reporting of late payments, my credit score that I was worked on since I turned XXXX  and started college with discover bank student credit card, the score went from the high XXXX 's to now the score is XXXX. It dropped over XXXX points. 

Last year I saved up my life savings and put it as an earnest deposit on a house for my family. The deposit was a large amount and the house will be ready in a few months. After talking to a loan officer today, I am told I may not be eligible for a house loan mortgage anymore due to the three late payments reported on my score that caused this sudden drop in my score. 

Please I request you as a loyal customer for years, as a new college graduate starting my new life, and for everything I've ever worked for, for many years or hard work and working on my credit score. When I signed the house contract my credit score was in the high XXXX 's. Now it is XXXX. My entire live saving is at risk because I will lose the deposit if I do not close on the house mortgage. 

Please I request you to remove the late payments on my credit score reporting bureau companies. 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the late payments as soon as possible. I have made every payment to discover bank and the late payment reported on my account was due to non communication, errors in login attempts, student email no longer valid, stuck in another country due to XXXX XXXX, there were just so many things going on and the unpaid balance for the discover credit card was so little! For so little amount that was reported paid " LATE '' my entire life Is being wasted. Everything Ive worked for since XXXX, my life savings, my dream house for my family are all in risk. Please I request you to remove the 3 late payments and I can provide you with any documentations you require. My bank statements, hospital records, flights records. My phone number is XXXX. Thank you and look forward to hearing from you, Ive only used consumer finance because I had no other way of working this out with your bank and the reps on the phone. Please take a look at this, it is a time of holidays and XXXX XXXX and my life is so disturbed from this news I don't know what to do. its my humble request.

Company response to consumer: Closed with explanation