Consumer complaint received 2022-08-10
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: Problem with personal statement of dispute

Complaint:
In late XXXX, 2022 at least 3 weeks before payment in question was due, I called Discover to help me reduce or lump payment in with the next month due to a shortage of funds I was having. I had just been hired for new job and was told 4 weeks to start after being under-employed due to COVID. I had a family emergency so this is why I needed this and had a small amount of funds to get by. Was offered a program that " I understood '' as the payment would be put out but that my future payments would be 3x higher per month rather than my usual minimum payment per month. I would be subject to being reported if missed. I agreed because I was planning on paying off quickly any way. I wasn't comfortable with some of what was being explained to me by the representative " who was very optimistic and fast talking '' and asked for it in writing. Was told something would be sent in writing. Over the next weeks I started my job. The company took my auto pay off. I relied on this verbal agreement but later realized that I received nothing in writing to truly understand it. 30 days later, I get notified of a late payment on my report. I called the company. The first person said that she would listen to tape of agreement and said that it sounded like that late payment should be removed based on what I said and to call back in a week. I did so. At that later time, I was forwarded directly to a supervisor. She explained that despite the fact that I was told many things, they had to report me and would not be able to do anything about it because I was not " even '' eligible for the program offered. I explained that no one notified me of that and that I would have borrowed the money to pay the amount due as I had no blemished on my report. I was told that I agreed to the reporting as part of the program anyway. I asked, why would I do that if the reason for me calling almost a month in advance was so that I could make arrangements so that I would avoid being reported. Not only that, several employees gave me conflicting information and while the supervisor straightened it out to a degree, I am harmed irreparably. Something that would have been avoided. I was under a lot of stress and no one likes borrowing money from friends and family. I would have done so for this short period had I been clear. On several occasions, my account information has been wrong as well. Last month, I experienced another glitch. I payed my usual payment and an additional {$100.00}. Three days after, I received a notice of non-payment. I do have pictures of that on my phone. This is a situation that seems to be an easy fix based within the context, but I was mocked when I asked if that context could be considered. Why my 30 day late was reported should be considered and resolved by removing from my report under the agreement ( verbal ) that I relied upon.

Company response to consumer: Closed with explanation