Discover Credit Card Complaint

Discover Credit card department,

Advertising and marketing Ohio

On or about - -, - I lost my - - Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted - - to close this account and open a new account. I neglected to update my bank information with Discover so that my new - - account would be able to be utilized for payments. I infrequently used my - - account to pay Discover, as my main account to pay Discover was - -. On - -, - I scheduled a payment to Discover from my - - account which had been previously closed in - - unknowingly that I had n't updated my Discover account with new - - account information. On -, - I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from - - who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the - - information had n't been updated with Discover. Discover did reverse the return payment fee of


I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..