Consumer complaint received 2023-05-20
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this letter finds you in good health and high spirits. My name is XXXX XXXX. I am writing to you with a request for accommodation regarding my Discover Bank account, XXXX. I kindly request that you consider removing the late payments from my credit report and updating them to " paid as agreed. '' I regret to inform you that I faced severe financial difficulties due to the unforeseen circumstances of contracting XXXX. As a result, I lost my job at that time and was unable to meet my financial obligations, including making timely payments on my Discover Bank account. This unfortunate situation had a significant impact on my ability to maintain a consistent payment history. 

Moreover, the consequences of XXXX extended far beyond the financial realm. I contracted a severe form of the virus that left me physically and emotionally debilitated. The extent of my illness was so severe that I was unable to take care of my beloved bulldog, who was my loyal companion. Tragically, due to my illness, I was unable to provide the necessary care, and my bulldog passed away. The immense grief and guilt I experienced over his loss plunged me into a XXXX XXXX XXXX  XXXX, further hindering my ability to handle my financial responsibilities effectively. 

I understand the importance of a positive credit history and take full responsibility for the late payments. However, I humbly request your understanding and compassion during this extremely challenging time in my life. I have sought professional help to overcome the XXXX and guilt that consumed me, and I have made significant progress in rebuilding my emotional well-being. 

Now, I am pleased to inform you that I have successfully overcome those financial hardships and have regained stable employment. I am committed to meeting my financial responsibilities and ensuring timely payments moving forward. Removing the late payment history associated with the period when I was affected by XXXX would greatly assist me in restoring a positive credit standing and rebuilding my financial stability. 

To support my request, I have enclosed relevant documents, including medical records and veterinary documentation confirming my illness and the unfortunate passing of my beloved bulldog. I hope these documents provide additional context to understand the profound emotional toll and financial difficulties I faced during that period. 

I sincerely appreciate your time and consideration in reviewing my request. I assure you that I am committed to responsible financial management and will diligently make future payments on time. I am determined to rectify my credit history and maintain a positive relationship with Discover Bank. 

Please let me know if there are any further steps or documents required to support my request. I would be grateful for an update on the progress of my request and any decisions made by Discover Bank. 

Thank you for your understanding and for taking the time to consider my appeal. I look forward to your favorable response. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation