Consumer complaint received 2017-10-11
Company: DISCOVER BANK
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been dealing with Discover Student Loans since the took over the XXXX XXXX Student Loans. I have had repeated trouble with my accounts. Often they do not reflect the payments made, and I am reported to the credit agencies. At one point I had to send a cease and desist letter to keep them from calling me 10 plus time per day while I was at work. That was in XX/XX/XXXX.
Then in XX/XX/XXXX I called Discover to ask the status of my accounts as I was selling my home and trying to buy another home. I was told all was good, but he had to look to why he saw I was current, but I was seeing online that my accounts were reporting late. I was told by the Discover agent, that I was good. I also informed that that I would be paying off the remaining loans over the next few months as we sell our home. Then on XX/XX/XXXX XX/XX/XXXX I got an alert from XXXX and Transunion that Discover was reporting me as delinquent. I called Discover on XX/XX/XXXX to try and find our what was going on. They told me I would get calls back, and emails they never came. Eventually on XX/XX/XXXX I got XXXX  and Discover Student Loans on a three way call and they finally admitted in that call to XXXX that I was current, and that I was current when I was reported as delinquent.
Now as of today XX/XX/XXXX I still can not tell the status of my loans, or when payments are due or if they are. The website has me listed as in deferment for school, but I have been in XXXX XXXX at XXXX XXXX  University since XX/XX/XXXX. This would mean I should have been in deferment for the last 13 months. With that fact, then I am not required to make a payment, thus I could not be late as they reported me.
The bottom line is that I can not get information about my accounts, and this is effecting my credit. I am unable to callas they tell me to write them, when I send the emails via the secure server I get responses that tell me to call, then on the call they tell me I must write. How can I get information? How can a company be allowed to report negative when they do not report all payments and positives? How can a company who 's own web site states, " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. " ( https : //www.discoverstudentloans.com/XXXX  XX/XX/XXXX ) On XX/XX/XXXX my accounts all showed on the Discover Student Loan webpage as current, yet I was reported as late after this date. See Attached I and my family is at a lose as we were about to get a home now we have nothing, as Discover reported negative when I was not negative. I know I am not perfect and my credit shows that, but when a company is not giving the consumer or the credit agencies accurate information in a timely manor, how can they be trusted at all?

Company response to consumer: Closed with explanation