Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I contacted Discover card in XXXX of XXXX as my wife and I are going through a divorce. We have 2 accounts with them. I reached out and asked if the account that was not in my name was my responsibility. I was told the account was my wife 's account and I was just a secondary on the account and I was not responsible for the debt. I thanked them increased my monthly payment on my own card and moved on. 

2 months later I received a call from Discover telling me my account was now 60 days late. I told them that I was not late and that my monthly payments come right out of my my checking account 15 days before the payment was due. They told me they were not talking about my single account they were talking about the joint account. I told them that Discover told me that it is not a joint account that it was my wife 's account and I was just a secondary on it. I told them they could pull the phone call that their representative told me that it was not a joint account. I was told I was not responsible for the other account. They explained that the prior rep was mistaken. I told them I would bring to the account current but I wanted them to listen to the call. That I di not want to be responsible for a mistake made by their rep. They went back and did some research, they contacted me back and apologized for what happened. They reversed the interest charges and the late fees. They told me they were going to re-train the agent who made the mistake. I explained I was not looking to get anyone in trouble I was just trying to keep my credit reports clean. I had struggled with that for a long time and I wanted to keep it clean. They told me they would fix the reporting. 

Well, 2 months later it was still on my XXXX report. I contacted them again and the Discover Rep said I should open a dispute and that would be what they need in order to remove this. Several weeks later I noticed it was still on my report so I contacted Discover again and asked what was going on? They told me, still waiting on the decision from the higher ups on this. Well, several weeks later I was told my dispute was denied. To say I was stunned by this is an understatement. They told me to file the dispute, basically wasting my time. So I decided to file the dispute again. I asked to speak to a supervisor and was told they would get back to me. Well, almost 2 weeks later I finally got a phone call telling me there is nothing they can do to change the reporting. That this was over their head. The department that was responsible said it was a legitimate late and there would be nothing more than they could do. I explained again that this was a Discover 's representatives fault and not mine. That they went back and credited the account, the reason was simple they realized they had blown this. Erasers are on pencils for a reason, it was a mistake. but, this mistake has been continued to be reported and has hurt me and continues to hurt me with my interest rates. When I went to get a car loan for the 2 cars I recently purchased. I want these 2 lates taken off my account from XXXX and XXXX of 2022. I should not continue to be hurt due to their mistake. I will need to get a mortgage over the next 6 months and so long these lates are on my account it will affect me being able to get that mortgage. Thank you for reading this and I am hopeful that you will be able to help clean this up.