Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK

Complaint:
In response to Discover, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Discover card account ending in XXXX ( Replacement ) XXXX ( Lost/Stolen ) Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. Our records confirm that payments did not successfully post to your account that satisfied your minimum balance due from XX/XX/XXXX to XX/XX/XXXX. As such, your account was correctly reported as delinquent to the credit reporting agencies for XXXX and XX/XX/XXXX. Please see the details to my investigation below. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$100.00} due on XX/XX/XXXX. A payment was not received, and your account was assessed a {$40.00} late fee. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$250.00} due on XX/XX/XXXX, which included a past due amount of {$100.00}. A payment was not received and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$400.00} due on XX/XX/XXXX, which included a past due amount of {$250.00}. A payment was not received, and your account was assessed a {$40.00} late fee. o The account reported to the credit bureaus as delinquent. On XX/XX/XXXX, your XXXX statement closed with a minimum payment of {$550.00} due on XX/XX/XXXX, which included the past due amount of {$400.00}. On XX/XX/XXXX, a payment in the amount of {$5400.00} posted to the account via the internet, which brought the account current. I have enclosed copies of your billing statements from XX/XX/XXXX to XX/XX/XXXX for your personal records. As we can confirm that payments satisfying your minimum payments due were not received by your XX/XX/XXXX through XX/XX/XXXX due dates, we are unable to remove the delinquencies reporting on your account as they are a factual representation of what occurred. Although were unable to remove the delinquencies, an update was submitted on XX/XX/XXXX, to the credit bureaus to fill in any missing or inconsistent information. This included the current balance, last payment date and the date the account was opened. Please allow sufficient time for these updates to take place. This is inaccurate, I attempted to make payments from my bank account however, they did not post as there were issues with discover 's processing system. Instead of acknowledging this issue of what took place they completely ignored my dispute documentation in which I will reattach and only provided my past balance statements which provides proof of nothing. I even have autopay enabled on my credit card which invalidates the response that they have sent to the CFPB. On that note i will readd my documentation and ask for the thorough readiness of this document and to stop this activity asap.

Company response to consumer: Closed with explanation