Consumer complaint received 2020-04-23
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 information incorrect

Complaint:
A late payment is being reported for the month of XXXX from Discover, Discover provides an additional grace period of 30 days if you're 30 days late from your due date which means you will have 60 days to pay and if not it will then report 30 days as a late payment. I have automatic bill pay of smaller payments being withdrawn every week with my bank ( XXXX XXXX XXXX ) with no problem. In addition, I still pay my minimum due with the same bank which usually is a larger payment due to the balanced that's owed. Representatives call even when you're within the 60 day grace period, to set up payments with them over the phone. The representative stated I could set up the payment to be taken out with her and she would waived {$40.00} off. I set up the payment with her for the day of my direct deposit. I also, made her aware during that time to update may mailing address because previously the rep I spoke with stated it was going to be updated and it wasnt updated, finding out til this address wasn't updated. The day of my deposit, I didn't have to contact Discover because it was discussed the payment would be processed the day of XX/XX/XXXX. During that same day and after, I still was within the grace period. No one called to say the payment was reversed because the representative processed my information incorrectly. Now during this pandemic, I went to apply for a line of credit for help and due to the late payment they reported that I wasn't aware of, I was denied help. I was livid and still to this day Iam. I contacted Discover spoke with multiple representatives, from regular account managers, supervisors, the fico team and everyone is confused saying that the reason was reversed because it was inputted incorrectly and saying also the error stated, " Unknown Reason '' for rejection, After them telling me this over the phone they didn't remove the late payment due to even though it wasn't a fault of my own. Per the FCRA Law this late payment suppose to be validated, as a consumer that isnt and wasnt my fault due to an error on the representatives end. They would not remove the late payment, even though per recorded conversation they stated I set up my payment within time and the rep processed it incorrectly. No one called me to say anything. I didn't receive any help, I emailed the ceo and the next day a executive rep contacted me by the name of XXXX XXXX. After waiting 4 days for her to get back in contact with me she stated she coud n't do anything, even with them agreeing it wasn't my fault. Thats absurd! A person telling you they see the error and knowing it isnt the consumer fault but I have to pay for the error due to the representative. I even have a bank statement showing during that time and a week after DISCOVER did not even attempt to take the payment out! I made XXXX aware of that, she told me send that in even though she knew the error wasn't my fault. I had to disclose my personal bank statement to her when she knew the reason the payment didn't go through wasnt because of me, nor was it due to INSUFFICIENT FUND. She called and left a voice mail and I couldn't get in touch with her when I called her back so I left a message. She called days later and I missed her called which was Friday XXXX. That following Monday morning XX/XX/2020. I emailed her the copy of my bank statement even though she didn't need that private information from me when she knew what happened I submitted it anyway. On the statement it shows my available funds from when I told Discover to take it out and it shows days after they didn't even try to take it out, nor did they call me during that time like they were before. Since sending her that information, she has not gotten back in contact with me as if this has been neglected and not a serious matter. This is my livelihood and this should be taken seriously, my address during that time was neglected in addition the representative didn't process my payment correctly. Incompetent service is being utilized at Discover and unlawfully making a consumer pay for their remiss and mishandling.

Company response to consumer: Closed with explanation