Consumer complaint received 2021-08-12
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: Information is missing that should be on the report

Complaint:
I want to complain about two facts. 
1- if the due date of the statement XX/XX/XXXX and minimum payment is XXXX, and I make purchase on XX/XX/XXXX why it goes to my credit score as increase balance and lower my credit score where the balance that we talk about just the new purchase that occurred on XX/XX/XXXX ( yet discover would generate two account statements where the difference between them two days just to hurt my credit score while i pay for each purchase immediately after pending and processing is open or allowed discover block me me from payment it take 6 days of the purchase processing and pending takes 6 days ). 
2- processing and pending takes 6 days where we cant make any payment the software forbids us, so why not accept the payment if it will hurt us this much 6 days of each calendar of the month discover consumer should stay away from using the card else it will goes as increase payment on the credit score even after the payment in pending and processing status and yet blocked from making payment before that. 
so for example on XX/XX/XXXX the bank statement was done, but with purchase of XX/XX/XXXX new statement got generated with the new balance and as i said processing and pending and block payment till those done and yup aggressively reported new merchandise as increase balance and lower my score so why generate two statements where the difference between them two days, its like hay we discover peg you to use our credit card and yes we would generate account statement within days apart just to hurt you sir these XXXX discover did to me three times and yes please look at how many days till my payment shows its like i pay them, i use their card, and yet they like red XXXX  reduce my score 4 points where im not lying other than such XXXX  got repeated three times so please have them dispute what they did to me and tell now if i buy something they would hurt me claiming increase balance before they allow me to pay it what should i call this. 
so yes please request their account statements and notice the date on these statements they report any activity before or after the due date as increase balance on my credit score, Im asking them to also report my payments as decrease on the balance just not to play fair, its just as they report increase they suppose to report decrease ( the way they rush into reporting increase balance on my credit score i want them with the same speed report the decrease in the balance on my credit score ) gush you get to see that XXXX  return saved me from such on going mess how about if i tell you i called discover and i told them due date is coming and the processing of the return is due and payment is not allowed and it will be printed as increase balance she said yup that will happen she said she cant see XXXX  from her discover side, but from discover side of mine i saw XXXX  where i had to give her exactly the amount to tell me yes she can see it. 
sir im not perfect but this act from discover was attack over and over while im behaving my best.discover should allow us to make payment before processing or pending is over save them as extra money on the account. 
summary within days discover issues two account balance statements in the same month and repeated that twice or three times, where the idea of that just to report increase balance on my credit score where sadly the payment in pending and processing and after due date.its like more than animal XXXX. 
please ask them to provide you the statements they issue me and the increase balance they reported and note the date of me posting payments and the harm they did to me while they can see the payment and purchase after the due date and yet they wont report the decrease of balance why they this ugly its like they issued multiple statements within days just to decrease my credit score while the payment in processing and pending and yet after payment processed they wouldnt report decrease balance so yes the way they report increase balance they suppose to report decrease balance and lets start of them disputing those. 
for them to be nice with me and others we should ask them to do that

Company response to consumer: Closed with explanation