Consumer complaint received 2020-11-27
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have. Discover it card. It come s with credit card protection that I went to activate due to covid 19 per the protection agreement. A federal emergency covid.19 as such entitles me to activate it an receive the following benefits. No interest incurred while active no.late fres or neg credit reporting an monthly payments made for 6 mos up to.12 mos. I have exhaustively tried to activate an use. Back.bone on XX/XX/XXXX initially I.was told it was activated an then nothing was showing that As intrest. Was adding an payments reporting .late an just compiled. Depending.on. Who you talk to you get no real response an always ends up talking to supervisor will get back to you. My record to XX/XX/XXXX I had 100 % on time I had this.ins on other cards no problem but its apparent. Discover card does not want to use.the services an rewards that they have with thier product s. Its false advertisement an wrongfully tarnished mycredit. An caused undue stress an mental anguish do to the debacle they have put on me. I am.submitting the protection on the card showing proof an everythhing.else I.can. my last correspondence requesting again an explaining in details like I was to a child what they did wrong Nd what I expected. Was met with. A we suspended your card .what need to happen is discover needs to honor thier card protection in.which active XX/XX/XXXX 9 payments the amounts over XXXX is added interest need to.remove which is approx {$2000.00}. 9 payments. X {$350.00} mo approx = {$3100.00} - XXXX = {$13000.00} is the approx balance the card should be neg bureau reporting be removed. An show.paid.N.current. an card status be as it.was prior to XX/XX/XXXX. I am a veteran of XXXX I am a victim of XXXX XXXX as I had the XXXX  I have had financial issues from covid 19  an I am having to battle.uphillto get these credit.card co to do what they say. They will. I have days were I find.it hard.to.XXXX I.dont want to.waste. whats left of my life stressed when i shouldnt. Be an having to fix my credit. I had 700plus score. An due to Corp greed an the treatment of the above. DISCOVER CARD XXXX XXXX XXXX  XXXX. Are not honoring any covid.19 relief or card protection. They treat you like you just stopped making payments like covid 19 never happened. XXXX  I made XXXX payment on a XXXX bill in which XXXX wasa yearly fee just added thier covid 19 support is take.my XXXX leaving XXXX balance then.next day close my account not.even.notify or I.form.me.or any prior warning. They stated they were following a covid.19 deferred pay no interest etc I have it. In.thjer chat screen shot recorded they did nothing.. We.need to.have the credit.bureaus fixed an these companies charged with this an. Have accounts fixed. Its a world wide pandemic it absurd I should.have to.do.thhis.much.less have to.belay the obvious this is America we can do better we can.do.better for.us.veterans an victims of covid 19. Please do.something we were victims of XXXX XXXX XXXX XXXX XXXX mo scam back.at the.collapse XXXX. They had.in house appraisers that inflated the value. Deal was 2 years to refi or get out when the house is fraud over valued. It became clear that was thjer scam. We sunk money to get the.appras up new roof XXXX added a bonus room.N.half bath XXXX we made 24 payments at XXXXmo {$51000.00} a down payment of XXXX. HOA fees XXXXyr x 2 = XXXX total of {$97000.00} gone XXXX XXXX XXXX XXXX was our dream home we had.no.notice dead of .winter XXXX to.get out incurred moving an deposit expense XXXX the.house was 360psqft home sold.it.to us XXXX AporaisalXXXX. With the improvements we got it to appraise at XXXX 2 days after the good.appraisel us govt agents raided the XXXX XXXX XXXX  froze everything we were.told.we would.get restitution we got nothing zero zip zilch missouri.Atty gen office. Said.we would after calling in.regards.they woukd.place us on hold an never respond. I.cant afford. Any more greed theft is thier anyone that can make these wrongs be right..

Company response to consumer: Closed with non-monetary relief