Consumer complaint received 2020-12-16
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern : And as such, this complaint is in regards to and against the entity of discover credit card Services for deceptive advances for which was carried out against me on numerous occasions. Moreover, in the first week of XXXX of 2020, a litany of misleading and deeply convoluted information was relayed to me, surrounding the usages of cash advances by a slew of various female representatives in which caused serious mistrust against the representatives that showered me with unethical doings as well as against discover credit card entity in general. 

In further, I was so concerned and was never compelled with such questionable information that I called into discover calling center to get meaningful answers in hopes satisfyingly and at such time I came in contact with a manager lady after repeated call-ins ... With this being on XXXX, XXXX, 2020, and after explaining my displeasures given the many generic and related porous information to where I advised this manager that I'm trending towards closing out my account due to the many, and extremely poor customer servicing across the board etc. 

In turn, this manager responded to me by saying, " I can offer you a one year 0 %, APR, starting today, that way you'll stay with us. '' I then asked her if such deeds includes the same for balance transfers, and she stated no. '' However, I was still on my current 0 %, APR, which carried an 18, month period subsequently speaking. 

Furthermore, I had no interest charged to my account from the previous months until in XXXX, and through XXXX of 2020, which flatly defeats the acts and purposes of such manager 's doings stemming from XXXX, XXXX, 2020, and in which is inane at best, and counter-productive as many would say undoubtedly speaking. So, after detecting this reckless and comical doings ... I immediately raised these concerns to discover representative and was told that, " it's an XX/XX/2020, dispute for {$89.00}, for XXXX XXXX XXXX, that I had reported as fraudulent charges responsively. '' More broadly, I was further told by discover 's fraud team that XXXX XXXX XXXX, had refunded the monetary charges, and then was also told and blamed by means of the castings of aspersions surrounding a charge that I had not authorized knowingly, as I had filed a separate complaint to such hotel corporates office with a strong reproachable deed in their survey as well regarding their system charging me after I had long checked out, but yet I was charged for an additional day recklessly. 


This happenings I reported immediately to discover 's fraud personnel 's and was told that, " they'd immediately closed my previous account ending in # : XXXX, and then was told that I'll be receiving a new card ending in # : XXXX in a few days as a result. '' In further, these executions by discover 's card services was often penalized against me, by again, means of the castings of aspersions dismissively and even to this day from a XXXX, who represents discover 's corporate executive office who apparently works as an advocate. 

More broadly speaking, I've never checked my statements because I'm one that's seriously meticulous whenever it comes to the handling of my finances and moreover, never had a reason to as I was still ongoingly on a 0 %, APR, but discover credit card services repeatedly and advancingly had mysterious and inconceivable agendas all along, and furthertively gave me misguided informations surrounding these matters of interest charges, and along with repeated convoluted deeds supporting these chronicles representing my account as a whole in general. 

Furthermore, and roughly three weeks ago, when I finally and officially realized that my dollar amount was decreased after having a balance of {$1700.00}, as a pay-off, I received a text for the first time to check my account transaction, and this led me to the realization that discover was inconceivably taking advantage of me by the chargings of underlying interest 's in which further supports a predator type approach, but not only that it also supports the sickening deeds of ethical fallacies, rationale fallacies, extortionate doings, and the additional deeds of major monkey businesses across the board. 

Progressively speaking, this troubling business conduct easily could or can be deemed as verbal trickeries abusively, which further supports non-de-minimis approaches. In essence, these acts that has been committed by Discover Credit Card Services, are nothing but phony and advancingly business conducts in which I whole-heartedly believe without bias or prejudice supporting the notions that other consumers has been dealt these blows underlyingly speaking. 

Additionally, I will fight discover in court if I have to especially knowing that I've made countless reports regarding the many reported and badly misguided informations that has reared its ugly head continuously to this day etc. And even more, these reports supports otherly times un-biasly speaking to where most of their representative concurred in support of my sincere reports in my displeasing feedbacks from otherly representatives that displayed a wash-fulls of incomplete, and bias information disturbingly, but not only that roughly three weeks ago ... " A female representative put me on hold three times and then came back saying, this makes no sense as I'm not seeing anything that would validate any interest charges on your account. '' In addition, this same female representative alerted her supervisor that also deemed the matter similarly, and then stated for her to transfer me to their fraud department with an incoming male representative at such time that stated he can not assist me, and further stated that he only assist for fraud situations, '' and with this extension being all for naught non-resourcefully. 

Furthertively speaking, I was forced to escalate the matter independently due to the many failures differently speaking, and then came in contact with a XXXX as mentioned aforementionly that gave me further questionable deeds on XX/XX/2020, and when she called in on such day, XXXX appeared as if she didn't know how to relay the terrible fallacies to support her unethical so called findings as I had to help her out to get started on her alleged and furthertives of reckless and deranged, and toxicated fallacies to further support her entity 's alibis etc. And such actions by XXXX was met with rightful reproachable deeds of mine with the strong notion that everything that was relayed to me, would be challenged at every lawyerly levels, and with aided and governmental alliances. 

In my closing out now, I'm urging for the CFPB, to share this complaint to other body of government that has oversight mechanisms, and in further, I would like for fines to be levied vigorously, as well as otherly rightful justice 's against discover credit card services as this entity deserves no slaps on the wrist, nor one that deserves a place in the banking and lending marketplace given their definitive acts of snares dangerously, and mean spiritedly. 

Please note : I've attached six statement documents showcasing beyond from XXXX, and XXXX, as once again, my valid point showcases sincere deeds as they were no interest charges beyond those months before, and the same should be upheld forwardly speaking with the extended 0 %, APR, that was verbally granted given in early XXXX from a female manager. Therefore, XXXX 's, and others within her organization findings are flat out categorically full of underlying deceptivities at best etc. Again it's counter-productive, and defeats their collective doings inanely and across the board. Make it right discover entity or else face the consequences, and severe repercussions rightfully.

Company response to consumer: Closed with explanation