Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been in forbearance with Discover student loans since XXXX of XXXX, because I was struggling to find a job post-graduation. I was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. I was then put on a month-to-month forbearance program, where I would have to call each month to get an extension. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. I have been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When I reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put me on a new XXXX forbearance program, which I am currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to me during this entire process, and at times have even yelled at me that they will " take everything I own or my co-signer owns. '' I have been nothing but terrified of Discover and it caused me to experience major XXXX  and panic during every phone call I had with them. 
At the beginning of this month my loan was sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for my loans. They also stated that the treatment I got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from my credit since I was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised me to reach out to a XXXX at Discover, and when I reached out they stated it was " not our problem we sold your loan to a different company. '' I then called XXXX and let them know the unlawful treatment I received yet again, and they advised me to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for not only myself, but my grandmother who cosigned for me. This has gravely impacted my grandmother 's credit score, as she is going through XXXX treatment, and her cards are now being declined. I am in need of assistance in trying to remove the default notices on both mine and my co-signers credit report. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my grandmother during her medical treatment. 
My grandmother has been in contact with XXXX and XXXX at Discover Student Loans on XX/XX/XXXX and XX/XX/XXXX, attempting to resolve this issue. I then began speaking with XXXX at Discover, who has been the point person for the case on Discover 's side since XX/XX/XXXX. I have spoken with XXXX or another Discover representative from her team continuously since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these calls I provided the dates mentioned in the first paragraph, and detailed information about the incident and the lack of resolution from Discover. On XX/XX/XXXX, XXXX submitted a claim to the XXXX to investigate the loan and research why I was sent to collections when I was in forbearance. It has been almost 30 days, and I have not been contacted by the XXXX to provide my information and the claim still says " under review. '' I have been trying to get this report from Discover off of my credit since XX/XX/XXXX, and there is still no resolution or support from Discover. I don't know what else to do but keep reporting and asking for the CFPB 's help on resolving this issue. I don't have any documentation because everything has been phone calls, and when information was requested from Discover they would claim they " couldn't get into my account '' when others had accessed it, or they " don't have any documentation '' as to why they sent me to collections.

Company response to consumer: Closed with explanation