Consumer complaint received 2023-09-22
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During the Pandemic ( Even though I was not working ) instead of letting my account go into default. During COVID-19 I made an arrangement with DiscoverXXXX Credit Card Company to agree to the following ( 1 ) To stop using my card ( 2 ) Intrest rate was reduced ( 3 ) No late fees would be charged ( 4 ) My payment would be XXXX XXXX each month until paid off ( 5 ) They would open my account again if I made my payments for 12 straight months ( 6 ) DISCOVER DID NOT HONOR THE AGREEMENT TO REINSTATE THE ACCOUNT AFTER THE 12 STRAIGHT MONTHLY PAYMENTS ( 7 ) When my sister passed away in XXXX XXXX XXXXXXXXI had to leave the XXXX to attend my sister FUNERAL. 
( 8 ) I had planned to make my payment .once I arrived at my sister home. 
( 9 ) The second day after arriving in XXXX my phone was compromised. ( hacked ) ( 10 ) XXXX had to closed my account down. ( 11 ) I was left without a phone which had all my apps and Bill pay on it. ( 12 ) No phone service frozen bank account I was unable to pay discovery for XXXX and was unable to reach then using my sister XXXX phone account as the toll free number did not work from the island.we tried the website information but was unsuccessful. ( 1 ) As soon as I returned to XXXX I contacted DiscoverXXXX and made my payment. They were very understanding and eventually removed the XXXX XXXX late fees that was charged. 
( 14 ) I am now back on track, but for some reason they keep adding back the $ XXXX late fees to my bill. ( 15 ) Finally I was successful in reaching a customer service agent who took the time to listen, checked with her supervisor who approved for the XXXX XXXX to be removed. 
( 16 ) I was given a final balance after the late fees was removed and that month payment were made. The balance I was given was about XXXX XXXX which would bring my balance to XXXX. ( 17 ) I paid it the following month as I had promised the agent whose supervisor had approved removing the XXXX XXXX late fees. 
Each month after I had PAID MY FINAL BALANCE OF XXXX XXXX ( 18 ) I have tried for months speaking with different customer service agents at DiscoverXXXX credit cards co. ( 19 ) EACH MONTH AFTER THAT DISCOVERXXXX  KEEP ADDING XXXX XXXX late fees to the account already paid off. ( 20 ) DiscoverXXXX also reported my account to the reporting agencies that I have not been paid my account. ( 21 ) This information is incorrect and because of their reporting MY PAID OFF ACCOUNT AS BEING LATE MY SCORE HAVE DROPPED OVER XXXX XXXX ( 22 ) DISCOVERY HAVE BEEN CHARGING ME LATE FEES OF XXXX XXXX  EACH MONTH, THEN TURN AROUND AND CHARGES INTREST ON THE DISPUTED LATE FEES STATING AND REPORTING THAT I OWE OVER XXXX XXXX ( which are all DISPUTED late fees ) and keep reporting me as being late ( 23 ) There are no new charges on the card as I had already cut up the card. 
( 24 ) EACH MONTH DISCOVERY CHARGES XXXX XXXX late fee plus interest then report my account as being late. 

( 25 ) I feel that this type of charging late fees then charging interest on the late fees is wrong.

Company response to consumer: Closed with explanation