Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PR

Complaint narrative:
Company : Discover Financial Services Product : Credit Card Account Issue Type : Incorrect credit reporting / account closure / billing errors COMPLAINT SUMMARY I am filing this complaint against Discover Financial Services for improper account closure, inaccurate credit reporting, and failure to correct errors after formal notice. 
Discover closed my account administratively despite the account being paid and in good standing. After closure, Discover falsely reported the account as delinquent to credit bureaus and sent conflicting statements and notices. This has caused financial harm, credit damage, and emotional distress. 

XX/XX/XXXX : XXXX Copy B for {$7700.00} was send to XXXX XXXX XXXX , Vice President, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , as Indenture Trustee for the Discover It Miles Card ending in XXXX. The company did not reply. 

XXXX XXXX : An endorse remittance coupon for {$12000.00} was send to Discover by Registered Mail for the Discover It Miles Card ending in XXXX. The company did not reply. 

XX/XX/XXXX : An endorse remittance coupon for {$12000.00} was send to XXXX XXXX XXXX, Vice President of XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, as Trustee for the Discover It Miles Card ending in XXXX. The company did not reply. 

XX/XX/XXXX : Online payment in full made for {$12000.00} with Confirmation # XXXX. 

XX/XX/XXXX : Email confirmation payment was posted to your account on XX/XX/XXXX. 

XX/XX/XXXX : Discover closed the account without proper justification. 

XX/XX/XXXX : An endorse remittance coupon was send to XXXX XXXX XXXX, Vice President of XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX for {$230.00}. The company send me a letter dated XX/XX/XXXX stating " As part of a recent review, we have closed the account reference above ( Account number ending XXXX ( new card was submitted previously ) ). We have taken this action due to unusual payment activity ... '' After closure, I contacted Discover because the account reflected a credit balance owed to me. Discover representatives confirmed the account was closed administratively.

Despite this, Discover later sent a letter falsely stating the account was closed for unusual payments. 

XX/XX/XXXX : Send letter to Discover Card Customer Service for them to send me the remaining credits in a form of a check because they had canceled my credit card and it can not be used to redeem the Cashback Bonus or Miles balance. The company did not reply.

Discover continues to : Send monthly statements Report inaccurate delinquency status to : XXXX XXXX XXXX XX/XX/XXXX : Send Dicover Card - Billing Inquiries a letter via Certified Mail because Discover send a new statement for XXXX reporting " Purchases // XX/XX/XXXX transfer balance '' for the amount of {$12000.00} '' and added fee charges and interests too. The company did not reply. 

XX/XX/XXXX : Discover send me XXXX not sign letters from the Credit Bureau Management indicating they had review the history of the account and review how the account is reporting in conjuction with the account history XXXX the dispute that was submitted and indicate that the account was reported correctly to the Credit Reporting Agencies and the other letter stated that the acount and balance were considered valid. 

XX/XX/XXXX : Discover send a letter with " Discover card statement reprint requested, which I did not ask. 

XX/XX/XXXX : Send letter to Discover Financial Services- Executive Office Attn : XXXX XXXX XXXX, Executive Office ; Discover Financial Service Attn : Compliance Department and Affidavit of Final Administrative Default, Estoppel and Demand for Correction of Records via Certified Mail. 

Discover failed to rebut my affidavit or correct their records. 

XX/XX/XXXX : Discover send XXXX non signed letter from the Credit Bureau Management indicating they had review the history of the account anf review how the account is reporting in conjuction with the account history and the dispute that was submitted and indicate that the account was reported correctly to the Credit Reporting Agencies and the other letter stated that the acount and balance were considered valid.

To this day, Discover continues to publish false information about my account. 

VIOLATIONS & CONCERNS Discover has violated consumer protection laws by : Reporting false delinquency ( FCRA violations ) Failing to conduct a reasonable investigation Sending contradictory statements Failing to correct errors after formal notice Damaging my credit profile Withholding my credit balance refund

Company response to consumer: Closed with explanation