Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11275415
Complaint Overview
Complaint ID: 11275415
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Connecticut
ZIP Code: 06513
Date Received: 2024-12-21T12:00:00-05:00
Date Sent to Company: 2024-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upon submitting several disputes with Discover Bank and the credit reporting agencies, I learned that Discover Bank refuses to provide me with a full detailed transaction and payment history. After several requests for supporting documents to validate this alleged debt amount, Discover Bank Representative XXXX, during my last discussion via phone informed me that Discover Bank does not have a full and/or complete transactions and payment history of my account. In addition, he went on to verify that Discover Bank purged my file and that there were no transactions and/or payment history dating back before XXXX XXXX It should be noted for the past XXXX years, I have been disputing with Discover Bank and all three credit reporting agencies to report the correct balance. I told them my issues with the transactions and payments. However, my credit report balance dispute investigations continue to conclude as XXXX. Please note that XXXX, XXXX, and XXXX are no longer investigating my disputes regarding Discover Bank. They informed me to contact Discover Bank directly or I have to subpoena the courts to get my completed proof of debt.
Frequently Asked Questions
What is Complaint #11275415 about?
Complaint #11275415 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-21T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.