Consumer complaint received 2020-10-08
Company: DISCOVER BANK
State: TN
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:
This issue has been ongoing for the last past 10 months with Discover Bank, I initially called them to provide my up to date address, they informed they couldn't have two addresses on file, I made them aware I have a new address ( PLEASE PULL THE CALL ) and provided that information, they never did change it. That's a violation of the Fair Credit Billing Act, by law they CAN NOT send a bill or statement to the  incorrect address, in XXXX I still didn't receive my statement which is one reason the inaccurate late payment has to be DELETED! In addition to that, I'm requesting that all calls from to the agents is submitted to the CFPB and me so that it can prove how deceitful, inaccurate, unlawful, and unfair this company is reporting this late payment on my report. I have small payments that automatically is sent  to Discover which wouldn't take care of the minimum due but the smaller payments knocks the balance down so I know to call to make the rest of the payment or pay online. This specific time an agent contacted me to set up a payment to cover the remainder balance which  was a little over XXXX or XXXX. I set up the payment and the rep verified it was the same Bank information that I use to make the automatic smaller payments I stated yes! ( PLEASE PULL THE CALL ). A month after, I still hadn't received any statements in the mail. But I get an alert that there is a late payment on my Credit Report. Remind you, I do not have any late payments on my credit report and I have 4 other major credit cards with 9+ years of on time payments. I called Discover to speak to a rep about it, I was on the phone for over an hour they couldn't seem to understand why I had a late payment. They saw that the information I provided was correct and they stated, " Oh the rep didn't process it as an ACH payment ''. So I then filed a complaint and sent in my banks statements showing the day for the amount to be withdrawn, it was never TAKEN OUT! My bank statement also showed that I had funds in that account that day and days after, they didnt not attempt to withdraw funds to take care of the payment. Horribly enough, I still hadn't received my statement to the correct address! I called multiple times, after that, spoke to multiple departments. No one had an answer to reason why that happened an why they would report it late. They only apologize for the inconvenience. They were so confused to the point I ended up getting the FICO 1800 number to Discover to speak to a rep there and they gave me the run around as well. Discover Bank is fraudulently reporting this late payment. In addition, they updated my payment history, month after that they reinserted it back. By Law, they have 5 days to notify me in writing due to I disputed it in writing as well, to reinsert that back on my credit. They fail to do that as well. They are CROOKS! They're trying to make money off of any  derogatory marks on consumers reports! I have proven to them everything via email, mail in writing, and over the phone. The last complaint I just submitted their results stated they didn't have my new address on file nor did they have any information about the new address, guess what? They even sent mail to that address. I YET AGAIN HAVE PROOF. I will attach that DISCOVER BANK MAI L SENT TO THAT ADDRESS as well. They're lying about every damn thing and I'm proving them wrong each and every time and I'm requesting all calls and information I provided. I will make the media aware if anyone has any similar issues or issues pertaining with Discover Bank to come an file a complaint online to the CFPB so that you all will look further into this and I guarantee it will end up in a Class Action Lawsuit because the mistakes their employees are making, they are making consumers suffer and be held accountable for THEI MISTAKES!. This inaccurate late payments has to be removed by law and following all the information I provided. This is unfair and deceitful practice. I'm now seeking attorneys to start litigation process. I have all my phone calls recorded and Im requesting that they send me what they have. I'm not going to stop until that stop onaccirately reporting my late payment. I will majke sure I will be an advocate and have everyone to file a complaint to make you all aware of the practices of Discover Bank. There are plenty of their employees that want to be whistleblowers, but they're too afraid to lose their jobs! Please investigate their practices. Ive asked over and over for them to stop with this late payment thats inaccurately reporting. I'm now Mandating this to be removed per the Fair Credit Reporting Act and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation