Consumer complaint received 2017-08-14
Company: DISCOVER BANK
State: NC
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:
Discover Financial Services ( Discover ) grossly mishandled two related charge disputes I initiated and has refused to acknowledge its negligence and to rectify the resulting damage. Recently, I discovered that my damage due to this negligence continues when I saw that Discover had made adverse reports regarding this matter in the credit files for me and my husband. My husband, XXXX, and I disputed the adverse entries on our credit reports by filing disputes with XXXX  who conveyed the disputes to XXXX and XXXX. My husband had been added as an authorized user of my Discover account, but he was not responsible for paying the account nor was he asked to pay. Discover agreed to remove its adverse report from XXXX credit file, but the adverse entry remains in my credit file. It is difficult to ascertain the damage caused by these adverse entries. I applied in XXXX to refinance my house. Would I have gotten a better interest rate if those entries had not been made? My car insurance increased around the beginning of XXXX by about {$50.00} for no known reasons such as driving infractions or claims. Has my husbands recent job search been affected? Was his job search affected around the same time last year causing him to be limited to getting a contract position? At the same time these credit disputes were filed, I sent a fax to Discover detailing my grievances and requesting corrective actions in a final attempt to resolve this matter directly with Discover. To my knowledge, Discover has made no effort to communicate with me regarding my credit report dispute or letter of XXXX XXXX, XXXX faxed to them. I explained and documented the mishandling of the disputes in great detail in the XXXX XXXX letter to Discover, so I have attached a copy instead of attempting to rehash the details here. I have supplemented this attachment with relevant Discover account statements that I did not send with the letter because these were Discovers own records. One complete statement is included along with the other statements with extraneous pages removed to save on unnecessary printing and paperwork. Please note : for the period from XXXX XXXX to XXXX XXXX, XXXX there was no account statement. I have also attached a portion of my XXXX credit report dated XXXX XXXX, XXXX showing Discovers adverse entries. I have redacted information in the attachments that should not be made public, such as credit card and account numbers and my personal contact information, by superimposing a text box containing xs or # s over the redacted information. Complete documents are available as needed for non-public uses. The only issue I didnt address in previous communications with Discover is that Discover still  owes me a cash back bonus of {$38.00} that was due to me as of XXXX XXXX, XXXX, which is prior to XXXX unauthorized charges being added to my account. With the exception of this bonus, I have asked the following of Discover. 1. Remove ALL references to adverse actions reported to credit reporting agencies with respect to me and my husband.
2. Remove the 2 originally disputed charges and any additional charges by XXXX. 3. Reverse ALL Late Fees and Interest Charges on my account.
4. Reinstate my Discover account with a clean slate under my previous terms and restore my {$38.00} cash back bonus. 5. Take care of these issues without wasting any more of my time and energy.
6. Issue an apology for Discovers negligence in handling these disputes and issue a check to me to reimburse me for my time wasted due to this negligence. Due to the complicated morass created by Discovers multiple instances of negligence, its extreme recklessness, as well as its cover-up of mistakes, I believe that Discover should be required to reimburse me for the excessive time required for me to ascertain and address Discovers actions. I have also added to my requests that Discover should be required to pay a penalty for damaging XXXX and my credit-worthiness and reputations. Discover should be punished for wrongfully punishing us for problems resulting from Discovers negligence, and possibly, malfeasance. Whether it is an amount to make us whole or to punish Discover and encourage better behavior, Discover should be required to pay reimbursement and penalties in addition to being required to set other matters right. Attachments : XXXX XXXX, XXXX Letter to Discover with Attachments XXXX  Discover Account Statements for the Periods from XXXX XXXX through XXXX XXXX, XXXX Discovers Adverse Entry in XXXX XXXX Credit Report on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation