Consumer complaint received 2021-01-07
Company: DISCOVER BANK
State: GA
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:
XX/XX/XXXX Consumer Financial Protection Bureau Re : This complaint is about harmful transactions on my credit report for 2 transactions. Companies involved : XXXX, XXXX and Discover *** I had my cash flow impacted due to COVID-19, and I had to use my credit cards to pay for necessary expenses to survive. XXXX  must not make excuse of this utilization, because I have been paying regularly to my cards and still maintained a score of XXXX ***My score dropped very low on XX/XX/XXXX when XXXX  placed all RED marks on my report and closed the account and said dispute is complete. Further, all my efforts to resolve the issue with XXXX, XXXX and Discover of the harmful entries in my credit did not work. All my request to get loan got denied due to this*** Following are the transactions with XXXX  adversely impacting my credit : 1> XXXX Credit Card ( I have filed complaint against XXXX separately with another company ) 2> Discover Credit Card 1. XXXX credit card - Negative Impact on my credit and lowered my score very low form XXXX to XXXX impacting my day to day life with declined of loan request from several lenders I have been trying to communicate with XXXX  and explained to them in detail and impact on my daily life, but there is not any support at all. 

I learned about this XXXX collection approximately 2 weeks ago i.e. 2nd week of XX/XX/XXXX. I had been scammed by a company when I was looking for help in my business in XXXX XXXX. I gave my XXXX card number but never received any product or services from this scam company. From the very next day I learned and I been fighting and sent support documents to XXXX. But this bank did not honor the right thing that is to " not to credit the scam ''. I spent several hours and days trying and requesting XXXX to make correction, but the bank did not correct. I was already hurt with the uncontrollable situations in my business, and I did not want to use XXXX card again. I told their dispute department that their action is not polite and I stopped using the card form this point. 

With the hit of COVID-19, my cash flow impacted and I had no choice and used my other credit cards to pay for necessities. During this time the lenders did hard pull on my credit and told me that I have collection on my account. I got several of my request of loan from lender denied, because of the collection. 

XXXX never sent any letter or anything about this collection, no communication at all. I checked my credit account after the email on XX/XX/XXXX of dispute completed with XXXX  and was shocked to see further score dropped to XXXX due to collection and closing of XXXX account. 

This dispute I filed with XXXX  soon after 2 week of XX/XX/XXXX. XXXX  closed the dispute saying is resolved. And XXXX  put all RED mark my report and dropped my score extremely low. I called since very day XX/XX/XXXX few times, but got absolutely no help. I called XXXX as well ; they said " call XXXX '', and XXXX  say " call XXXX ''. But I am as the end consumer suffering with their ignorance. 


2. Discover Credit card Negative impact on my report, lowered score XXXX  further has inaccurate information on Discover card in my account. I had moved and did not receive my Discover Bill and some very important mail i.e. trade mark registration form XXXX. Because USPS mail forwarding did not forward all my mail. When I realized that I dont have Discover credit statement, I actually called to find out and paid the balance over the phone immediately. But Discover reported it negatively. All my efforts to not to cause harm to my credit, they did not resolve. Further. regardless of my all attempt to communicate with XXXX, they did not correct it. It still shows late. Even last night I called and requested but Discover said " it is XXXX, they need to correct it not us, we cant do anything ''. At the end I am suffering. 

I need your help to have XXXX  correct the transactions. The further detail is in the attached screen shot captured from the credit account. 


Thank you

Company response to consumer: Closed with explanation