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 cosigned loans for my granddaughter, and she has been in forbearance with Discover student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She 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. She has been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When she 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 her on a new 6-month forbearance program, which she is currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of Discover and it caused her to experience major XXXX  and panic during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised her to reach out to a manager at Discover, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as I am going through XXXX XXXX. This has gravely impacted my credit score, and going through treatment my cards are now being declined. I am in need of assistance in trying to remove the default notices on both of our credit reports. 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 me receiving my XXXX XXXX. 
I have been in contact with XXXX and XXXXXXXX at Discover Student Loans on XX/XX/XXXXXXXX  and XX/XX/XXXX, attempting to resolve this issue. I provided them with my granddaughter 's phone number and she then began speaking with XXXX at Discover, who has been the point person for the case on Discover 's side since XX/XX/XXXX. She has spoken with XXXX or another Discover representative from her team continuously since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 she and I were sent to collections when my granddaughter was in forbearance. It has been almost 30 days, and neither she nor I have 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