Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #4425057
Complaint Overview
Complaint ID: 4425057
Company: Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Missouri
ZIP Code: 64138
Date Received: 2021-06-02T12:00:00-05:00
Date Sent to Company: 2021-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Discover Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX cc : Director Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern Discover is reporting my late payments in error! this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. Thank you. Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX
Frequently Asked Questions
What is Complaint #4425057 about?
Complaint #4425057 was filed against Discover Bank regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2021-06-02T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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, credit repair services, 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.