Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

I filed three complaints with Discover Card regarding an cash back offer that they advertised a full cash back after 13 months of usage. I opened the account. At the third month I noticed they listed the accumulated cash back that was {$.00} for each transaction. At the third month I called Discover Card and they said I misunderstood the offer. I did not misunderstand anything, they say one thing to get a consumer to enroll and throw it out the window at their convenience with {$.00} cash. WHO would accept a cash back of {$.00} for 13 months of purchases. I called Discover who insisted I misunderstood their offer. I didn't misunderstand anything, they're offer was bogus and denial. 

The second two complaints were to XXXX and XXXX because each month my credit card was dropping. I was at XXXX and for unexplained or valid reasoning, my score had dropped to XXXX. WHY? I have no outstanding loans, nothing overdue so what is the reason for the drop. There is no reason, it's their perogative to do as they please with my credit without any recourse for THEIR actions. How could my score to drop so severely with no issues anywhere. 

Key Factor 1 Number of accounts with delinquency Key Factor 2 Lack of recent installment loan information Key Factor 3 Too few accounts currently paid as agreed Key Factor 4 Length of time accounts have been established No. 1, I have NO DELINQUENT accounts. 
No. 2, I have no loans for their " lack of recent installment loan '' information. I don't even know what that means since I have NO LOANS. 
No. 3, Too few accounts currently paid as agreed. I have two accounts, one from Discover which I opened for emergencies only, and my credit/debit account through my bank which I use every day. 
No. 4, Length of time accounts have been established. If the company makes a mistake such as Master Card charging me twice for the same issue, not fixing it for days, I DON'T TRUST them or their accounting. I despise paying interest so I pay cash to live. I have a house, paid for, I have a car, paid for, I have to eat, paid at time of purchase, I order through XXXX almost every day and everything I purchase is automatically deducted from my bank Credit/Debit Account. 

This seems to me a rack that CFPB is allowing and condoning. I have no outstanding bills of any kind yet reading Discover 's report I sound like a deadbeat, especially when it is not true. Furthermore, Discover 's cancelling my account is the result of my initial complaint, not for any of the reasons they cite, which will decrease my score again because now I have a credit card cancelled by Discover. It appears Discover is penalizing me for filing a legitimate complaint that they have a duty to answer, not disregard and cancel. 

Your job is to protect the consumer, you just accept what they say as gospel and consumers are negatively effected. 

This is all beyond comprehension putting consumers at the mercy of the what the credit card company says. XXXX  was just hacked, so why should they have any financial business with my credit? 

This is a chase your tail game set up by the government and they continue to impune my and other consumer 's credit TO THEIR BENEFIT, leaving the consumer helpless to correct anything. I work very hard to incur no bills or delinquencies and instead of being rewarded as a good customer, I'M PUNISHED,