Consumer complaint received 2021-05-28
Company: DISCOVER BANK
State: TX
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: Was not notified of investigation status or results

Complaint:
I removed names and addresses and phone numbers from their response. 

I submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.

Discover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. 

The complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. 

Discover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. 

Please resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. 

Bellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. 

XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. 

ATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX  to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with explanation