Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MD

Complaint narrative:
Logged in to my account on XX/XX/XXXX to make a payment. Upon logging in it would still allow me to make a payment but at the top of the screen it stated that my account was restricted due to reported fraud, notice that it did not state my account was closed nor did I ever receive a letterby email or mail stating that my account was closed or in danger of being closed for any reason. 
Upon talking with someone fromDiscover call center on that Sunday XX/XX/XXXX the person stated that my account was closed due to suspiciousPAYMENT activity, not sure what that meant so I told her that the account stated that someone reported the account for fraud. She stated that the account was closed XXXX, XXXX. I asked her why? She stated that they had several payments returned, now granted they admit they received a payment in XXXX that was not returned, so the account on XX/XX/XXXX could not have been past due as they received a payment in on XXXX for the amount of {$55.00} that was due from my bank account ending in XXXX also received an overpaymentin the amount of {$400.00} in XXXX the same bank account. XXXX, XXXX. Because of the {$400.00} payment no payment was due in XXXX. 
I did not know an email had gone out. As of today I checked my spam folder and received the below emails from them, stating that XXXX payment was returned. I never received an email from them stating that they were going to close the account or the account was in danger of closing. Discover could have called or sent something in the mail and I would have just changed bank accounts. Instead they CLOSED the account causingme to losethe only credit card I have and reporting falsely to the credit reporting agency that the account is XXXX past due. When they closed the account according to them on XX/XX/XXXX. If indeed they closed the account on XXXX, XXXX the account was not past due at all for only a few days because they received a return payment. Now yes XX/XX/XXXX the account is past due 77 days because I didn't even know they closed the account and they did not get more than XXXX payment as they never told me it was multipleattempts to make a payment. Discover is required by law to report accurate information. If Discover is refusing to reopen the account then they need to report accurateinformation that the account was closed on XX/XX/XXXX and that all payments were made on time. Discover can not report that the account was past due when it was not on XX/XX/XXXX when they admitted they closed their account because more than XXXX payment was returned from the bank within the same month. Due to this misreporting of false information I would be unable to get another credit card. 
ThereforeI am requesting as a resolution for Discover to either re-open the account or report that the account was closed with no missed payments as it should be.

Company response to consumer: Closed with explanation