Consumer complaint received 2018-10-22
Company: DISCOVER BANK
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prior Case No. XXXX was back in XX/XX/XXXX and I got a response within 60 days after Discover needed additional time to investigate. The claim was proven to be valid and I do not agree due to reporting financial hardship prior to an agent at Discover! Discover indicated several calls were made in an attempt to give me payment options to bring the loan current. I agree I did not answer every call they made because I had already advised the agency of my financial hardship and I thought it was notated per their recordings saying that calls are monitored for quality service, as well as I told the agent before this lapse in payments had ever occurred. I have been given so much misinformation from Discover and their employee as well as managers. I have been told that the debt is valid and even if I notified them I should have made a payment, which I could have not at that time. I have been on calls as of last year XX/XX/XXXX, which I have proof of due I recorded the conversation that I had with agent. The agent told me that after the first 3 months of forbearance that I took in XX/XX/XXXX-XX/XX/XXXX no forbearance was ever offered again per their notes and records since then until charge-off in XX/XX/XXXX. Since then I made several calls and and kinda gave up for a while. I received correspondence that shows XXXX XXXX Who was my Servicer for this loan was now sending all loans to discover and that they will no longer house loans or payment information for Discover private loans. At that point I decided to call in as of XX/XX/XXXX which I spoke to an agent name XXXX. XXXX reviewed my account with a manager and they came up with a conclusion that my account was charged off erroneously and that they were submitting a ticket to get this removed off my credit and it would take about 2 weeks. After two weeks went by I called again to check the status and spoke with XXXX on XX/XX/XXXXand he stated he saw the reversal trying to be made I just needed to continue to wait a while longer due to the new system it was not allowing Discover to reverse the discharge off my credit within normal timeframes. Now lets refresh I only called in to check on this loan on XX/XX/XXXX due to XXXX and her manager on that call told me it was an error and that all of this was incorrect they were unsure how it happen. Back to the facts, I was kinda weary I hadnt heard anything so I called back on XX/XX/XXXX and spoke with an agent named XXXX which she stated she saw the ticket but no changes had been made and she was going to escalate it up to her manager XXXX. They told me to continue to wait for it is taking a while, so I did. On XX/XX/XXXX I called and spoke with an agent named XXXX and she alleged she didnt see anything on my file as for as a reversal of the charge off. I was furious for I would have not been waiting if the agent XXXX and her manager would have not said it was incorrect from the beginning. At this point I was livid. She said she would investigate the issue and to call back in two weeks. I said sure. On XX/XX/XXXX I called Discover to check the status at this time the agent advised me that due to the time of the Call that the department that needs to look at my case was not available and to call back tomorrow Around XXXX mountain time. I said okay fine. A few days later I got a call saying sorry for the wait and misinformation but the charge off is correct and will stay on your account. I was livid but I was mentally tired of the back and forth. That was in XX/XX/XXXX.  Now let me remind you my loan charged off on XX/XX/XXXX.  Why would I receive a letter dated XX/XX/XXXX saying my loan is now in default and that this same account is now being charged off as of XX/XX/XXXX with a new Balnce due to accrued interest. This is not possible. No way! So I called in as soon as I got the letter and this is now on my credit report as of XX/XX/XXXX like its brand new that Discover has now reported new missed payment information for a year and a half as well as the new balance. My credit score has went down from a XXXX to a XXXX from the first charge off and now just with that update it has went down to a XXXX score because of false reporting of this new information/ balance. I have open disputes and filed several complaintswith all agencies possible before and now Im having to due this again for this is definitely a violation of the fcra.

Company response to consumer: Closed with explanation