Credit card or prepaid card -- Incorrect information on your report -- Complaint #5628607
Complaint Overview
Complaint ID: 5628607
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Missouri
ZIP Code: 630XX
Date Received: 2022-06-02T12:00:00-05:00
Date Sent to Company: 2022-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been contacting Discover for several months to update my address since I did not receive a statement. My address was not updated and I never received a billing statement. I noticed on my credit report that they reported my account as past due. I contacted them to pay the bill and they offered me a settlement amount which I paid. I was advised that my account would be reaged since per the FCRA, they could not report me as past due since I did not receive a statement. I received the attached letter to confirm my account was settled but when I contacted them back they advised they had no record of updating my credit history. Cleary, I had the ability to pay over $ XXXX for the debit but once they took my money, I feel like I was deceived and they will not take the responsibility to resolve an easy issue.
Frequently Asked Questions
What is Complaint #5628607 about?
Complaint #5628607 was filed against Discover Bank regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2022-06-02T12:00:00-05:00.
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 card or prepaid card) 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.