Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Account : # XXXX Filed By : XXXX XXXX XXXX Filed Against : Discover Bank XXXX Discover Financial Services Im filing this complaint against Discover for repeatedly misreporting my credit card account, withdrawing money from my bank without consent, and what increasingly looks like an intentional cover-up of their own internal errors and retaliatory actions. 
My Discover credit card account ( # XXXX ) was never late, never in collections, and had a {$15000.00} credit limit. In XXXX, I entered into formal legal negotiations with XXXX XXXX XXXX XXXX XXXX regarding a separate Discover personal loan not the credit card. 
Even though the card wasnt included in that legal process, Discover slashed my limit from {$15000.00} to {$5000.00}, and then completely cancelled the account in XX/XX/XXXX, with no default, no notice, and no valid reason. After that, they started auto-drafting money from my bank account using a XXXX agreement, despite the fact that I had signed a new contract for the loan product. 
I did not authorize these bank withdrawals. They kept pulling money for over a year, even though the credit card was already closed. Eventually I stopped the debits and then they started reporting me as past due on the account they themselves had cancelled.

I have now disputed this four times XXXX, XXXX, and twice in XX/XX/XXXX and every time, Discover comes back with a generic canned response : Consumer disputes meets FCRA requirements. Its nothing more than a legal shield theyre hiding behind to avoid correcting their own misconduct. 
Lets be honest : this account is completely screwed up. The reporting is contradictory, retaliatory, and unethical. And their response makes it look like theyre not just being lazy theyre trying to cover their tracks before the CFPB or a court forces them to answer for it. 
They : Cancelled a clean, current account without cause Lowered the limit in retaliation for a separate loan dispute Took funds from my bank using an ancient contract Reported me as delinquent after they closed the card Refused to correct any of it, even after XXXX disputes Meanwhile, Ive been on long-term medical leave for over XXXX  years, and my XXXX  for XXXX. We are both XXXX and under financial and physical strain. Ive worked with licensed legal representation and have done everything in my power to resolve this legally and ethically. Discover is choosing to ignore that and now theyre doubling down.

This has caused massive damage : Financial : Destroyed credit score, blocked credit access, unauthorized bank activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, and hopelessness trying to get someone anyone to listen This is not a misunderstanding. This is a company abusing its reporting power, hoping that by being vague, bureaucratic, and silent, they can dodge accountability. That ends now.

| * * Violation * * | * * Description * * | | -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | * * FCRA 607 ( b ) * * | Inaccurate reporting of closed but past-due status | | * * FCRA 623 ( a ) ( 1 ) ( A ) * * | Knowingly furnishing misleading and retaliatory tradeline info | | * * FCRA 623 ( a ) ( 2 ) * * | Failure to update/correct following multiple disputes | | * * FCRA 611 ( a ) ( 5 ) * * | Failure to delete unverifiable information | | * * EFTA 205.10 ( b ) * * | Unauthorized recurring debits after account closure | | * * FDCPA 807 ( 2 ) * * | False representation of legal status of a debt |

Company response to consumer: Closed with explanation