Consumer complaint received 2017-05-22
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Tried working with Discover who have been all too happy to destroy my perfect credit score due to their oversight. The original email that I sent to Discover 10 days ago is below : Hello, Still am shaken up. My credit has been perfect and I have never had a delinquent payment ver since having my first credit card. We never received statements from Discover regarding the delinquency. Also, the email that they have on file for me for the old account is a very old email address that is no longer used. The numbers that they tried me on are also old and not in use ( one of the numbers was from when I lived in XXXX / XXXX ) My mortgage broker just called my wife and I to say that Discover had reported us delinquent over {$93.00}. After doing some digging, it looks like Discover reactivated an old account ( which we had closed out ) from XX/XX/XXXX. They did this by sending us a new credit card for the old account. Up until this point, we had one account with Discover from XX/XX/XXXX. This account was set up with automatic payments to pay off the balance in full every month. The new card that we received from Discover was assumed to be a replacement card for the XX/XX/XXXX account ( not a reactivated card from an old account we never asked for the reactivation ). We had simply assumed the new card was for the one account that we were aware of and, all of our payments were being automatically paid off. My wife and I are scheduled to close on a new house. The mortgage broker ran our report and noticed that we had a XXXX point ding for a delinquent payment that we were unaware of My wife, XXXX kids and I will not have a home to live in if we can not get this mistake reversed on our credit report. As soon as I found out about the delinquent balance ( today ) I paid it off. Also, my credit report shows that over the past 15+ years ( the moment that I started using credit cards ), I had never been delinquent on a payment and have a perfect payment history on my debts. I work as a XXXX XXXX for XXXX XXXX XXXX and maintaining perfect credit is essential in my business. So in addition to preventing me getting a house, this oversight ( Discover reactivating an old account and then being unable to contact me about payments ) will also have ramifications for my career if it is not fixed. Please help me as there will be a negative domino effect. The folks at Discover can check my credit reports to see that this is the only instance in my credit history where I have had a late payment and, I never spoke to anyone at Discover prior to the delinquency being reported that gave me the heads up about this. Thank you Discovered noted and would not acknowledgement that statement may have not received by me. There is an article by XXXX XXXX news that there is a mail delivery problem in the town I live in. Common sense could be applied that something could have happened with someone that has 17 years of not being late.

Company response to consumer: Closed with non-monetary relief