Consumer complaint received 2021-04-01
Company: DISCOVER BANK
State: NJ
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the delinquent payment for Discover Card Services. 
I have been a creditable card member for over 10 years with a perfect payment track history which you will also see on my attached report. I have always been diligent on keeping low balances and limiting my exposure to debt by paying in full monthly statements. During the past year, the Covid-19 had changed millions of lives, including mine. In XXXX, I was in the process of being furloughed, a position I have held for over 5 years as a XXXX XXXX. This was a very scary time and a stressful one. I wanted to limit my credit cards and charges by reducing my spending as you will see in my activities on my account starting in XXXX. I was unsure of what my future finances would look like and focused on holding on to my job. I am disputing the actions of Discover to my credit score for the following reasons : 1 ) I was unaware of the charges and I did not get any written statements of delay in payments from Discover, instead, I had emails sent that had landed in my spam account, which is why I was uninformed of the open balance. It was only brought to my attention when I had been notified via phone that my account had been compromised with a charge in XXXX, IL. The Discover agent then told me that the card did not go through due to a delinquent account. I was completely surprised and immediately resolved the issue. I paid the interest and total outstanding balance of {$200.00} in full on XX/XX/2021. I also closed my account to alleviate any future risks of payments and charges given my current employment situation. 
2 ) When closing the account, I had asked the agent several times to ensure I was in good standing with a paid in full account. She assured me that I was completely paid and also stated I had a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). She stated that Discover would mail me a check which I received and deposited on XX/XX/XXXX ( attached exhibit # 2 ).

3 ) This credit payment by Discover was an accounting error and they reversed my credit to an outstanding balance ( attached exhibit # 3 ), which shows up as an outstanding balance and a late payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover did not reach out to correct their accounting error, instead of created an outstanding balance that reflected on my credit report as a late payment. 

At this point, I am requesting to take my challenging position last year into consideration and ask for all delinquent payments to be removed and cleared from my credit history including XX/XX/XXXX. I am extremely apologetic for missing one payment over the last 11 years of my partnership with Discover. It was just an unfortunate time for me and as you can see with my good intent, I have resolved all debts immediately when it was brought to my attention. Additionally, due to an accounting error on Discovers end, I am requesting they remove any negative communication to the credit bureaus due to outstanding balance and late payment associate with the {$45.00} balance, which I paid on XX/XX/XXXX when I spoke to the Discover rep. 
I hope with this good will letter and understanding from the current global situation, I will be relieved from the derogatory charges on my account and credit. 
For any additional information, please contact me at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation