Consumer complaint received 2021-12-13
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
Company: DISCOVER BANK
State: CA

Complaint:
I have a credit card with Discover bank. In XXXX of 2021 my card was used accidentally and I did not know about these charges until they were posted to my credit report as a delinquent payment in XXXX of 2021. At that time I contacted Discover card services and asked how I could have the charges removed from my credit report, they told me to remove the charges the merchant would have to rescind the charge and issue a refund. I contacted the merchant and they did so. I then called Discover bank again who told me they couldn't remove the delinquent charge bit since it was a mistake I could dispute it as fraudulent with them and it would be removed which I did. I waited for the result of that dispute and was never contacted, after the suggested time had passed I called the bank again and was told the dispute had been denied. I spoke to a supervisor who told me the charges had been removed from my account and that I should dispute with the credit agency. I did this through the XXXX XXXX app. The app told me to wait for 30 days for results. I waited for 30 days and heard nothing so I contacted XXXX who told me that no dispute had been filed and disputes filed through XXXX XXXX are not legitimate disputes with the creditor. I then filed a dispute directly with XXXX. I called them for the results and was told that they couldn't tell me if it was in my favor however if I wanted to I could file another. I did so. This process repeated 5 times. I also filed 2 disputes with XXXX. The last conversation I had with XXXX the technician told me that their automated system told them that Discover reported the delinquency to be legitimate. I called Discover card supervisor line and spoke to a man named XXXX who assured me it was removed and suggested I give XXXX his phone number so he could speak to his deptartment directly. I called XXXX again who said they couldn't contact them directly but to ask for a letter stating that it had been removed to attach to the dispute. I called Discovers supervisor line on XXXX  XXXX XXXX 2021 and spoke to XXXX. He informed me that the only thing that had been removed was the fee associated with the late payment but that the delinquency could not be removed. I then recieved an email at XXXX, 8 minutes after their office closed stating that my account was to be terminated for " inactivity '', " serious delinquency '' and " length of open credit accounts ''. I waited until today, XXXX XX/XX/XXXX to call the same supervisor number and was told that I could appeal the decision to not remove the delinquency and should recieve a decision on that appeal soon. I was also told that the only reason for my account being terminated was inactivity, I was told that the system reviews accounts at random and comes to a decision about whether to terminate the account without informing the company or the consumer. Once the system makes the decision to terminate it can not be reversed. 

I have had open credit accounts for the last 15 years. In that time I have never had a delinquent payment or derogatory mark posted to my credit report. The charge in question is for approximately {$20.00}. When this derogatory mark posted to my account my score dropped by XXXX points. It seems that no amount of recompense can stop Discover bank from affecting my score in this way, furthermore their decision to close my account suddenly and without warning or recourse will further damage my score by bringing down my average open credit account time length. The timing of which seems to coincide with my calls to the supervisory department and disputes filed with the credit agencies.

Company response to consumer: Closed with non-monetary relief