Consumer complaint received 2019-06-15
Company: DISCOVER BANK
State: NY
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:
About XX/XX/XXXX i visited a transmission repair shop ( " XXXX XXXX '', XXXX, AL ) ONLY for the purpose to have a NEW DETENT CABLE installed into the transmission. Owner had to research to find a new one or would rebuild the detent cable. After a week, it was determined the detent cable would have to be rebuilt because a new one could not be located. I had to go out of town for at least a month. The shop owner stated he would need time to rebuild the detent cable and told me I could leave my vehicle at his facility and there would be no storage charge- and the vehicle would be stored indoors. I agreed. I was informed a detent cable, new or rebuilt would cost me {$120.00}. 

XXXX, XXXX, I returned to XXXX and visited the transmission shop and was handed a bill for {$1900.00}. The charge was for rebuilding my vehicles transmission. My transmission DID NOT need to be rebuilt. I contested this charge and i never signed a document to have this work done, however, I did sign a document to have the detent cable repaired/rebuilt. This same document had been filled in with additional information ( e.g. " ... rebuild transmission. ) after I signed only for detent cable work. This was corrupt and deceptive and angered me. The shop owner refused to release my vehicle unless the charge was paid. Having no other choice at the time, I utilized my DISCOVER credit card to pay and my car was released. I reported this outrage to Discover card and the matter was placed into DISPUTE. As it turned out, the transmission was not properly repaired ( even though repair was never requested ) as it would not properly change gears, leaked and was sluggish. Outraged, I returned to the shop, expressed my dissatisfaction and outrage. The shop owner ordered me to leave the shop. I did. Because of the damage done to my transmission, I have been obligated to get it repaired because of the damage done and failure by  XXXX XXXX ; the transmission was left in such poor operating condition that I could have been killed as described to me by the car dealer ; the transmission was not operating properly and could have caused me to have a serious accident due to various malfunctions that were imposed by a transmission that was made bad by non-professional workmanship. 

After Discover cards alleged investigation, Discover card validated the XXXX XXXX charge, stating the charge was valid because my signature was on the work order that listed the transmission repair. I explained to Discover card that the shop owner was deceptive and had filled in the " transmission repair/rebuild '' after I signed only for a detent cable. DIscover card was uncooperative with me and validated the charge from XXXX XXXX. Outraged again, I refused to pay Discover card. Discover card sued me for the charge in Civil Court. I opposed Discover card in Court and was willing to fight " tooth and nail ''. Discover card later dropped the suit. However, Discover card reported me as delinquent to credit agencies and my credit scores dropped from the XXXX 's to upper XXXX 's and XXXX 's. 

I am respectfully requesting that the matter of my credit profile be adjusted back to where it was in excellence. Discover card was cheated, indirectly, by XXXX XXXX, not this cardholder. I was always an on-time payer with Discover card, never missed a payment and was never late. 

In my opinion, Discover card is punishing the wrong individual because it may have seen me as an easier target just as identity thieves see some individuals, of which I've been the victim in that arena and work diligently to fix the problem that has visited me to a detriment. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation