Consumer complaint received 2020-05-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Name of Company that reported the item : Discover Fincl SVC XXXX Partial Account Number : XXXX Reason For Dispute : Is below To whom it may concern : This letters intention is to provide the full story of the charge/erroneous missed payments in question from Discover Card, which is currently on my credit report that you are holding. This original charge was from a motel room that was placed on my Discover Card. The Motel was XXXX XXXX XXXXy XXXX in XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX XXXX, LA XXXX ). They were apparently running a scam, because the pictures that are up online look very clean and nice of the complex and of the rooms, but then in person the rooms are completely filthy, trashed, and very worn out and old. There are even very shady people hanging around asking us to buy some drugs, which made us feel very uncomfortable and not safe. You can see how these rooms looked from the pictures that I provided. 

Also, the locks on the front doors didnt even work. Every time we needed to get into the rooms, we had to call an attendant to come use a key to unlock them and let us in. It took the attendant about thirty minutes to show up. There is video footage demonstrating it, but since your website didnt have an option for me to upload video footage, I took still shots from the video showing an attendant having to unlock our front door with an actual key for a lock. 
So needless to say after only spending a few hours there, we came to the conclusion that these rooms are completely inhabitable. Nor did we have the time to keep having to call an attendant to come let us into the room. So we didnt even stay one single night and left and had to get an extremely expensive alternate room last second somewhere else. This costed us a lot of time, since we were on a film shoot. Which ended up making us not complete the film shoot and costed us thousands of dollars. But I am not asking for any restitution, but only for this erroneous charge/missed payment history to be taken off my credit report. 

Furthermore, I contacted Discover Card and told them not to pay the Motel, because they are listing false advertisements on the internet. Plus, I sent in all the pictures and all the proof that demonstrates this. This was a no brainer to me, but for them they wanted to send the Motel the payment and charge me for it. I attempted to open a dispute with them and talked with several managers, and they still would not budge for some reason. So I closed out the account and said Im sorry I cant pay for rooms that were un-useable, and were falsely advertised for. So, by them saying these payments are delinquent is false as well. They can only be missed payments, if the account is still open and active. I paid off my remaining balance and closed out the account. They cant say Im missing payments, when the account is closed and not useable anymore. 

This negative on my credit report is now causing me to not be able to acquire a very important home loan, so I am asking you to please remove it from my credit report. I have provided proof that the charge should have never been rendered and that these shouldnt even be classified as late payments, since the account is closed. It should be classified as a standing balance if anything. Thanks for your time and please let me know if I can provide anything else to you. 

Enclosed proof : 7 pictures of the actual rooms, I have a video file of the attendant having to come manually unlock the front door ; however, it will not allow me to upload it. So I attached 6 still pictures of the video of the attendant having to unlock the door, 3 pictures of the rooms and complex that they showcase on the internet. 

Sincerely, XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation