Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

To whom it may concern : I am writing to dispute the late payment for Discover Card Services towards my credit. 
In 2011 or 2016, based on who you speak to at Discover, I was added to the account in error ( Account number : XXXX XXXX XXXX XXXX ). I have requested the contract from Discover to show the status of this joint account and how it was opened, however they do not have a copy or can not provide any evidence. To date, I have not received correspondence in my name from Discover Card regarding this account. This account is owned and managed by my wife, XXXX XXXX. She is the primary card holder and responsible for its debt, she is the only user of this card and manages the payments independently. Even, the payments are made from her single TD bank account ( exhibit # 2 ).

I am disputing the following actions taken by Discover towards my credit : 1 ) Discover Card is claiming that this is a joint account between my wife and myself, however Discover has only communicated with my wife directly. When there was time for card renewal, offering and account status, Discover has never sent any communication or correspondence regarding this account in my name, when requested a copy of any communication addressed to me, they have no record. 
2 ) When I called Discover to obtain a copy of the documentation for joint account formation and my profile ( which includes my contact information and preferred method of communication ), they were unable to provide any supporting information. This is specially an issue when Discover has a home address on file for both individuals. I would like to point out, that there are rules of fair practices by financial institution ( e.g.XXXX XXXX, XXXX, XXXX XXXX, XXXX ) in how joint account communication is handled, which is that each individual has the right to know about their account and have the provision to decide on their preferred communication channel, Discover has no record or documentation on my behalf.

3 ) Additionally, when my wife closed out the account on XX/XX/XXXX, Discover sent her a credit of {$45.00} in cash rewards ( attached exhibit # 1 ). However, this was an internal accounting error by Discover. Instead of calling to correct the issue, they proceeded to reverse the credit on a closed account, which shows up as an outstanding balance and overdue payment with the credit bureaus. There was no follow up communication from Discover that this charge was done in error or any monies was owed back, however this was admitted by the supervisor ( XXXX ) on XX/XX/XXXX at XXXX XXXX EST, when we called Discover. Since the account was closed out and it was confirmed with XXXX balance, I dont understand why Discover choose to work through credit bureaus versus direct communication with the customer. 
I have reached out to Discover multiple times, including a 2 hour call on XX/XX/XXXX where I was transferred to XXXX, XXXX, XXXX ( customer protection ), XXXX ( investigations ), XXXX ( supervisor ), XXXX, and ultimately XXXX ( supervisor ) who claimed that this is their process without providing any documentation or supporting evidence about the joint account and required communication by the financial institution to let a joint account owner know about their account. It is hard to believe that a financial institution could hold a person accountable for credit obligations without the individuals knowledge or any communication to them, and yet have the capacity to hurt the individuals credit score at their sole institutional discretion.

I continue to request that they remove my name from this account as it should have never been joint, in addition, remove and clear any negative reporting against all 3 credit bureaus immediately.