Consumer complaint received 2020-12-12
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not like credit cards so use my bank 's Credit/Debit card for everything, or pay cash. My credit score last year was XXXX at this time. Usually I try to have XXXXne credit card for emergencies. I signed up for a Discover Card last year that offered a cash back balance after 13 months of use. I used the card three times in three months, one transaction per month and paid the bills on time. At the third month I noticed a small info box showing that I had {$.00} cash back rewards, XXXX XXXX for each purchase. This was NOT the deal Discover offered. XXXX XXXX per transaction was not worth the hassle of the credit card. I wrote to them to dispute their initiating offer and was double talked. I closed the account. My credit score dropped. My credit/debit card was hacked twice so my bank suggested I use their Master Card, so I applied and used the card to purchase one item : computer printer. The printer did not connect to my computer so I returned it for a refund. However my statement from Master Card showed two printers purchased and no return when I had only purchased one. I called their offices and they told me the credit had been issued and the second charge for the same amount had been removed, but what they said did NOT appear on my statements. I waited a month, the scenario was the same, two charges on my statement with no credit for the item I returned. I called them again. They assured me the second charge was removed and the credit issued despite it was not on my statement. The third month, the second charge had been removed and the credit issued. This was far too much chasing them regarding their mistakes on my account so I closed the account. My credit score dropped. Without a credit card for emergencies. I filed two complaints with your offices about their handling of my credit only to find your office dismissed my issues accepting blindly what Master Card and Discover said. Neither of these errors were my mistake. Before I found out your agency did absolutely nothing about my situation, I opted for another Discover Card, very stupid on my part. I did not know my credit scored dropped when I closed both accounts. After I received your response simply accepting their lies, I found out my credit score had dropped to XXXX from XXXX when I started. I have no bills unpaid or otherwise, my house is paid for, my car was paid for in cash, I never had graduate or XXXX loans because I paid the tuition in cash as I went along to avoid debt when I finished and continued paying cash for anything I purchased through today and I have NO LOANS at all. On XX/XX/XXXX I received an email from Discover that they had cancelled my second account for the following reasons : " Key factors that affected your credit score were as follows : Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established '' 1, I have NO delinquent accounts. 
2. I have no loans at all and never did. 
3. I cancelled the two accounts that made mistakes on my account. I'm the consumer, it's my credit, I should have the right to open and close credit cards at will without penalty especially when the mistakes are those of the credit card company who I do not trust now. 
4. Both accounts were opened but AFTER their made mistakes, I closed them, which is my right and should not be subject to penalty. 

My credit score is now XXXX, dropped over 100 points since my first dealing with Discover. After I received their email, I replied to Discover and searched the internet to find them listed at RIPOFF.com, together with hundreds of statements from consumers with similar problems, essentially stating boycott Discover because they don't honor the programs they advertise, they lie, cheat and steal as proven by their attached email which is completely false. So the problem is NOT ME, but I have been harmed. I am in the process of buying a house and this low score and sudden drop will affect what I purchase. I believe Discover cancelled the second card and invented their " KEY FACTORS '' which are all intentional lies in retaliation for my complaint to your agency. Again, I am penalized for the actions of Discover. Your agency was established to protect the consumer from these thieves. But there was no protection to me, your agency acquiesced to their lies causing me more harm. It is your job to protect the consumer NOT the credit card thieves. Please do so. Instead of being rewarded for good practices incurring no debt, I've been harmed. I paid out {$25000.00} in cash to my dentist for work, paid up front. These are not the actions of a deadbeat that drains on the system. I am XXXX years old and can not have this fictitious misinformation on my record.

Company response to consumer: Closed with explanation