Consumer complaint received 2023-02-11
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On the XXXX of XXXX, XXXX  I sent in an endorsed bill in the amount of XXXX along with my handwritten instructions to XXXX XXXX the XXXX of Discover. I sent in another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX along with handwritten instructions to XXXX XXXX XXXX, XXXX of discover. The principal 's balance was not applied to the principal 's account. Discover is and has been defaming my creditworthiness by reporting inaccurate information to credit reporting agencies. I sent another endorsed bill on the XXXX of XXXX, XXXX  in the amount of XXXX, and again on the XXXX of XXXX for the remaining balance, which was XXXX due to them adding a temporary credit to the account. On the XXXX of XXXX, I received an email from discover saying I had to verify my account by sending in my personal banking information ( statements ) and they had to be notarized. I informed the agent that I do not agree to share my personal non-public information with them nor did I feel comfortable with the notary seeing my bank statements. The agent told me that if I did not send the information that they were asking for they would shut my account down, I then informed the lady that, that was considered extortion. I proceeded to do what they told me to due in order to keep my account open. I sent in the bank statements along with the notarized sheet. I get an email regarding my account and I call discover they tell me that the notarized document wasn't showing fully on their end and that I needed to do the process over. I do the process over and send everything in. I get another email regarding my account and I call discover the agent tells me that I need to upload the notarized document again and that they received the bank statements. I asked what was the reason and she informed me that they could not see the stamp. I informed the representative that she might be looking at the old document, but I would resend everything via fax. I later was informed that the balance on my statement sheets was wrong and that they needed to be corrected because XXXX was showing a different balance. I go over my bank statements and call discover back to inform them that I never sent in a statement for the month of XXXX because it was not available yet. I'm telling this information to the young man and he tells me that the notary I used was not proper and that the notary had to be tied to a business. He stated that I could not use a mobile notary. I told the young man that I did not use a mobile notary and that the notary I used was tied to a business and that the name of the business was listed on the document the notary had to fill in. The young man/ rep informed me that, that notary was not approved or found in the system. I told the rep that I just spoke with someone an hour ago and the young lady didn't mention this at all and that it seemed strange that no one at discover told me that I had to use a certain establishment to get documents notarized. The representative told me that the notes were just added to my account. Discover closed my account down. 
I used the Bill Of Exchange Act which gives me the right to endorse all bills. I also have the U.C.C Article 3 ( 3-104 ) negotiable instruments, which allows me to endorse my bills and the card agreement is in fact a negotiable instrument. Discover is currently still reporting a balance/delinquency of the account. This is in fact a billing error since they received the endorsed bill back in XXXX of 2022, I was informed of this by a lady who works at discover in the customer service department. 

XXXX is willfully and knowingly violating 15 usc 1681 ( a ) ( 4 ) |15 usc 1681a ( 2 ) ( A ) ( i ) | 15 usc 1681b ( 2 )

Company response to consumer: Closed with non-monetary relief