Consumer complaint received 2022-02-23
Company: DISCOVER BANK
State: CT
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: Problem with personal statement of dispute

Complaint:
The Cares Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, signed into law on XX/XX/XXXX, with the state of emergency currently still in effect as of Today of this letter, amended the Fair Credit Reporting Act which states, If a furnisher [ in this case DISCOVER ] makes an accommodation [ my {$35.00} Late fee waiver given by DISCOVER, behalf of a customer representative named " XXXX '' ( on XX/XX/XXXX over the phone, at XXXX ) for missed payment of XX/XX/XXXX ] with respect to 1 or more payments on a credit obligation or account of a consumer [ Balance of {$710.00} owed XX/XX/XXXX, with an accommodation given ( late fee waiver of {$35.00} reducing the balance owed to {$670.00} ), has been paid by me, on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current ''. 
( II ) If the credit obligation or account was delinquent [ in this case my missed payment XX/XX/XXXX ] before the accommodation [ {$35.00} late fee waive ], and, ( B ) the consumer brings the credit obligation or account current ( I paid the Balance of {$670.00} on the date XX/XX/XXXX ) during the period described in... which the Cares Act Law is in effect [ XX/XX/XXXX to TODAY ], I am rightfully protected by the CARES Act and DISCOVER is required to REMOVE the missed payment [ of XX/XX/XXXX ] from all credit bureaus by this Law. The CARES Act also states Sec. 4021If a furnisher in this case, [ DISCOVER ] makes an accommodation [ the {$35.00} Late fee waiver given by DISCOVER which was credited to my Discover account ] with respect to 1 or more payments on a credit obligation or account of a consumer [ balance of {$710.00} waived with accommodation of a late fee waiver of {$35.00} to make the balance owed {$670.00} on XX/XX/XXXX. ] the furnisher shall ( I ) report the credit obligation or account as current. [ and in this case I paid the balance of {$670.00} XX/XX/XXXX ], making the accountcurrentand by all requirements of the CARES Act law, the creditor [ DISCOVER ], is obligated to remove the missed payment that has been reported XX/XX/XXXX on the Discover account. Please note that this missed payment being, in fact, between the dates XX/XX/XXXX to today validates my claim and also was in a time frame in which the Cares Act Sec. 4021 was and still is in effective. This was also in times of hardships during the COVID-19 that is still ongoing. State of emergencies also are currently still in effect. By Law, the creditor, DISCOVER, has toremovethe missed payment on XX/XX/XXXX from my credit report immediately, as I am now knowledgable that they legally would have to, if not they would be breaching the CARES Act Law. I value my credit and my finances. I am contacting the CFPB as this letter specificallyis showingthe data points in which I am abiding by the CARES act law active XX/XX/XXXX, which was firstly provided to help and relieve consumers like myself. In regards of the missed payment reported by DISCOVER on my credit report on XX/XX/XXXX, I need an authority like the consumer financial protection bureau to help remove this missed payment from my credit reports as it is in my right to be PROTECTED by the CARES act Sec. 4021! There is attached proof of accommodation of the late fee of {$35.00} waiver ( XX/XX/XXXX ) being credited to my Discover account by DISCOVER as well as me paying the balance XX/XX/XXXX and being current on the Account STATEMENT. Proof of the call to the Discover number : XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I got the accommodation is also attached. That call I had spoken with a customer representative named " XXXX '', furthermore I spoken to him about getting a late fee waiver on the missed payment of XX/XX/XXXX, and he had granted it to my account on behalf of Discover. I asked for a ID or badge number, he stated he did not have one. I had also spoken to a Discover Supervisor after XXXX, where I stated how I was in fact, protected by the CARES Act, where she had stated she could not do anything. I'm bringing this to the Consumer Financial Protection for the missed payment of OF XX/XX/XXXX stated on my DISCOVER account, saying I am now current on the account as of XX/XX/XXXX and requesting in conformity to The Cares Act Law, the missed payment of XX/XX/XXXX to be removed from my credit report on Discover or any Authority 's behalf. Please, as I am diligent to learning my rights given by the law and understand Discover is now obligated to follow it. 
Thank you In best regards.

Company response to consumer: Closed with explanation