Discover Credit Card Complaint

Discover Credit card department,

Indiana

A few months ago I applied to get a home loan and I was told that I was n't eligible because of my credit rating due to there was a Discover Card amount that had n't been paid or payments had n't been kept up. I called and they told me that I was a joint account holder with my mother. I explained to them that I was not a joint account holder and as far as I knew I had never been a joint account holder with my mother. I also asked them why they had my daughter as a joint account holder but when she called they took her off of it and erased it from her credit rating but would n't do that for me. When they tried to verify my information they did n't have my social security number correct or my date of birth.


of payments sent. As a result the account and balance are considered valid. The paperwork that they sent to me was checks from my mother 's bank ( where I was a joint account holder ) with my name on them and signed with my name. My mother has - and when she first got sick I was taking care of her bills with her money. Mom had to be placed in a nursing home and as a result she defaulted on the Discover Card. I called again and told them I wanted the original contract that I had signed to be a joint account holder and they told me since the account was opened in -/-/- they did n't have that information but they had me as a joint account holder and they were leaving it that way their investigation was done. I told them today that they did n't have their facts straight because about a year ago they had my daughter as a joint account holder but when she called they took her off of it. I was told my daughter was probably an authorized user where I was a joint account holder. Mom was also being charged $100.00 per month for insurance and when I asked her about it she told me that it was in case she could n't work any longer or she passed away the credit card would be taken care of. If I have been a joint account holder all of this time why did it not show up on my credit report all of these years to help my credit rating? It did n't show up until Mom defaulted on paying the payments. I want this off of my credit report totally, I 'm hoping you can help me with this dispute or point me in the right direction. If there is anything else you need from me please let me know.