Consumer complaint received 2015-04-27
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Other

Complaint:
Discover Card XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX : Discover Card Account # Ending in XXXX To whom it may concern : This letter serves to clarify matters regarding the Discover Card account ending in XXXX listed on my credit report. Please note that the Discover Card account of which I am now a joint account holder is reported inaccurately. 
I applied for a Discover card in XX/XX/XXXX and was denied. Later, my former spouse applied and was approved. The account was initially opened by my spouse in XX/XX/XXXX after which I was added as an authorized user. We specifically requested that I be added as an authorized user so that I can be issued a card. We were under the impression that there was no way for me to be on the account as a joint account holder due to the fact that my application was denied. After requesting documents to add me to the account, we spoke with a representative from Discover that explained that although the account may appear on my credit report, I would be added only as an authorized user. 
The account appeared on my Experian credit report on XX/XX/XXXX with me listed as an authorized user and on the same report ; the same account is listed again as a 'joint with XXXX ' account. Later, the account status changed several times. 
The account had been paid on time through monthly drafts from my checking account until XX/XX/XXXX. XX/XX/XXXX, I was unable to process a payment and made contact with Discover to attempt to pay on the account. A Discover representative explained that the account was involved in a bankruptcy and that I could not be provided any details regarding the account. It was then that I learned that my ex-spouse had filed for bankruptcy which included the Discover account reported as a joint account at that time. Because of the nature of the bankruptcy filing, I was not permitted to receive any information on the account ; however, the account still appeared on my credit report as an account in good standing with no payment history. Although I had called several times XX/XX/XXXX to inquire about the account, I was not able to receive information or updates regarding the account. 
XX/XX/XXXX the account appeared as a delinquent account and was reported as being closed in XX/XX/XXXX. I have disputed the information reported on the account with little success. I am requesting that Discover Card investigate the account thoroughly and furnish me with documents that prove that I have authorized Discover Card to add me as a joint account holder instead of an authorized user. I have spoken to a representative who informed me that there is no record in the system of this documentation. If through your investigation, you find that this is the case, I am requesting that you remove me as a responsible party from the account immediately. 
If you have any questions, I can be reached at .... I can also be reached by mail at ... .. Your cooperation would be greatly appreciated. Thank you for your time and prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation