Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am writing to formally dispute the late payment notation Discover reported for XX/XX/year>. The facts and attached evidence ( Exhibits AH ) show that this derogatory mark resulted from Discovers own procedural errors and inconsistent handling of my AutoPay not from any refusal or inability on my part to pay. I request immediate removal of the XX/XX/year> late payment from my credit reports with XXXX, XXXX, and XXXX. 

XXXX Unauthorized AutoPay Deactivation and Failure to Process Payment In early XXXX, I contacted Discover via chat to address a returned payment and request a slight change to my upcoming payment due date. During this interaction, the representative never disclosed that processing my due date change would result in cancellation of my AutoPay enrollment. No verbal or written disclosure was presented to me in the chat, and the final disclosure step was never completed due to repeated chat disconnections. 

Despite the due date change never being finalized, Discover still deactivated my AutoPay without my knowledge or consent and provided no notice of this critical account change. Because of this, my XXXX payment was never pulled, even though I had funds available and my entire purpose in contacting Discover was to make payment arrangements and rectify my account. 

XXXX Inconsistent and Unexplained AutoPay Reactivation Following the XXXX incident, Discover informed me that AutoPay could only be resumed by my manual reactivation. Yet in XXXX without my taking any such action Discover resumed AutoPay and withdrew the full monthly payment. 

This is inconsistent with your explanation for XXXX failure to process because : If AutoPay was truly deactivated in XXXX, you should not have been able to process the XXXX payment without my manual reactivation. 
If AutoPay was never truly XXXX, then XXXX missed payment was the result of Discovers own system or procedural error, not any action or inaction on my part. 

The inconsistency in handling my AutoPay status undermines your stated justification for XXXX missed withdrawal and confirms that the negative credit reporting stems from internal errors. 

Impact and Requested Resolution Because of these actions unauthorized AutoPay deactivation, failure to provide notice, and unexplained reactivation I was wrongly reported late for XX/XX/year>. The attached Exhibits show : My prompt engagement to make arrangements ( Exhibits AD ). 
Your lack of withdrawal and admission of cancellation ( Exhibits EF ). 
My available funds ( Exhibit G ). 
The resulting negative credit report entry ( Exhibit H ). 

I request the following : XXXX. Immediate removal of the XX/XX/year> late payment notation from my credit history with all three major credit bureaus. 
XXXX. Written confirmation of this correction. 
XXXX. Waiver or refund of any late fees or interest charged due to this incident. 

Please respond within XXXX  days of this letter. I am prepared to provide this documentation to the Consumer Financial Protection Bureau if necessary. 

Sincerely, XXXX XXXX Exhibit List Exhibit A : XX/XX/year> Chat start requesting payment date change. 
Exhibit B : XX/XX/year> Discover confirms change, no late fee. 
Exhibit C : XX/XX/year> Screenshot of payment setup for XX/XX/XXXX. 
Exhibit D : XX/XX/year> Authorization request for payment. 
Exhibit XXXX : XXXX XXXX XXXX of no withdrawal. 
Exhibit F : XXXX XXXX Discover admission of cancellation reason. 
Exhibit G : Proof of sufficient funds. 
Exhibit H : Late payment credit bureau report. 
Exhibit XXXX : XX/XX/year> Screenshot showing AutoPay was deactivated after XXXX incident. 
Exhibit J : XX/XX/year> Payment history showing {$100.00} partial payment made to avoid further late reporting. 
Exhibit K : XX/XX/year> Proof of full automatic payment withdrawal despite no manual AutoPay reactivation.

Company response to consumer: Closed with explanation