Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Email : XXXX Subject : Complaint Against Discover Card Services Uncredited Payments, Account Closure, and Breach of Cardmember Agreement To Whom It May Concern, I am filing this complaint against Discover Card Services due to their failure to credit multiple payments to my account, improper handling of my disputes, and the subsequent closure of my account, which now reflects negatively on my credit report. These actions constitute a breach of Discover 's Cardmember Agreement and violations of federal consumer protection laws. 

Summary of Events Uncredited Payments XX/XX/year> : I mailed a payment of {$5200.00}, tracked under XXXX, which was delivered to Discovers processing facility on XX/XX/year>, at XXXX p.m. 
XX/XX/year> : I mailed another payment as a good-faith effort, tracked under XXXX. 
XX/XX/year> : I mailed a third payment of {$5500.00}, tracked under XXXX, sent via First-Class Registered Mail to the processing facility in XXXX XXXXXXXX XXXX XXXX, with an estimated delivery date of XX/XX/year>. 
Despite following all guidelines outlined in the Cardmember Agreement, which states payments received by XXXX p.m. local time will be credited the same day, none of these payments have been applied to my account. XXXX tracking confirms delivery for each payment. 

Dispute Handling I provided Discover with extensive documentation, including : XXXX tracking confirmations for all payments. 
Receipts from the Postal Service verifying these payments were sent and delivered. 
I submitted multiple billing error disputes to Discover and escalated the matter to the XXXX XXXX XXXX XXXX XXXX ( Attn : XXXX ). Despite this, Discover failed to respond adequately or resolve the issue. 
Account Closure and Credit Reporting Discover closed my account without justification, despite my continued timely payments and active dispute efforts. 
This account closure now reflects negatively on my credit report, further exacerbating the financial harm caused by their mishandling of this situation. 
Violations Breach of Cardmember Agreement : The agreement guarantees timely crediting of payments received at their processing facility. Discover failed to uphold this obligation despite confirmed XXXX deliveries. 
Fair Credit Billing Act ( 15 U.S. Code 1666 ) : Discover did not properly investigate or resolve my disputes within the required XXXX period. 
They engaged in collection efforts and closed my account while disputes were still open, violating the prohibition on adverse actions during an ongoing dispute. 
Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : Discovers failure to credit payments, mishandling of disputes, and unjustified account closure constitute unfair practices that caused financial harm. 
Requested Resolution To resolve this matter, I demand the following : Immediate Reinstatement of My Account : My account must be reopened and reflect the correct status, including the application of all payments made. 
Cease Adverse Credit Reporting : Remove all negative reporting related to this issue from my credit report. 
Formal Acknowledgment and Apology : Discover must acknowledge its failure to handle this matter in accordance with federal law and its Cardmember Agreement.

Proof of Investigation : Provide detailed documentation of the steps taken to locate my payments and resolve my disputes.

Arbitration : If this issue is not resolved promptly, I request arbitration as outlined in the Cardmember Agreement.

Supporting Documents I will attach all supporting documentation to this complaint, including : XXXX tracking records for the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. 
Receipts from the Postal Service. 
Copies of my dispute letters submitted to Discover. 
Correspondence with the XXXX XXXX XXXX XXXX XXXX. 
Final Note Discovers mishandling of this matter has caused undue stress, financial harm, and damage to my credit standing. I request immediate intervention from the CFPB to ensure that Discover complies with federal laws, resolves this issue promptly, and prevents further harm. 

Sincerely,

Company response to consumer: Closed with explanation