Consumer complaint received 2020-10-03
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Topic : Discover card falsely reported against me to the three credit bureau with falsified records to do me significant harm on my unblemished credit records for over 4 decades. 

I have been a Discover customer for many years. In 2019, after Discover 's irritatingly continuous ( daily ) solicitation to have me taking a balance transfer offer, I decided to try their offer. Immediately after that, with the discover staff direct involvement and confirmation, I set up an auto debiting arrangement from an external checking account. Since this was an auto debiting bill payment, like many others I have, after monitoring and ensuring the first few payments being recorded correctly, I felt reassured. 

Then, out of the blue, I was being notified by the credit bureau that Discover card reported against me for being delinquent on my XX/XX/2019 payment. In my entire 4 decades of credit history, I never had one negative or delinquent record with any vendors. 

Being in shock, I have called discover and received many assurances from the people saying it XXXX have been a mistake on the discover card and they would take care of this. But disappointingly, after a while, they blamed it on me saying that I have provided them a wrong debit account which is of course an entirely false statement. 

I always maintained the same debit checking account at XXXX XXXX XXXX for all auto direct payments to fully comply with the promotional offers. I have never authorized Discover card to overwrite my debit account with some random account ( I don't even know what it is ) In my several decades of credit history throughout my entire life, I never had any payment late or any other violation of any credit/financial agreement as exemplified by my persistent XXXX XXXX  credit score. 

Sometimes a little common sense makes thing very clear in difficult situation though I have clear log record of my conversations and interactions related to this event : Would it make any sense for anyone in my situation with stellar credit history to change to a random debit account only to come back on his own and change it back again to the original account? 
A debit bank account is always tested and verified prior to being established as a legitimate link for payment. Also, how is it possible that I was not even notified/alerted at all of any failed attempt to establish such link or let alone withdraw the payment amount from the changed wrong account number? ( Please note : Stunned by the alert from a third party credit monitoring service I initiated repeated calls to Discover on XX/XX/XXXX ) Attached are the records of my correct debit account in Discover account which Discover ignored while reporting against me with a random debit account. 
The wrongdoing was clearly done by Discover staff members and in order to cover up their own incompetence and mistakes, they framed me and did not hesitate to ruin my unblemished credit report. 
Since then, despite my numerous attempts to have the Discover remove this false reporting in the credit bureau, they declined and also declined to provide me any evidence of my changing the debit account number as they claimed. 

In case you need any further clarification, please don't hesitate to email or call me ( cell  XXXX XXXX XXXX ). I would appreciate if you promptly force Discover to correct and rescind the wrong negative reports to all the credit bureaus, which has been having a significant negative impact on my business and our life.

Company response to consumer: Closed with explanation