Consumer complaint received 2023-03-22
Company: DISCOVER BANK
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX  Complaint ID : XXXX NO RESOLUTION : From XX/XX/XXXX to date. Cash back rewards credit card with credit protection upon sign-up. Zilch credit protection offered or COVID RELIEF. I inquired numerous times. Discover has not tried to resolve the issue. By no means is this account delinquent, nor has it been, according to Discover. I am continually harassed by Discover skip tracers, even though, at the moment, I am houseless. I've offered a current mailing address. Discover obtained private current and obsolete information without my consent! The last Discover agent I spoke with, XXXX, called me on XXXX from a verified Discover phone number of ( XXXX ) XXXX at XXXXXXXX XXXX and admitted she was a skip tracer or conducting skip tracing services. Discover has largely ignored my in-app chat messages. My credit accounts, except Discover, extended COVID relief and are credit protected. I would not have opened a Discover credit limit account had I known credit protection was not an option. Card ending in # XXXX. CARD FROZEN. Since when has it become legal to treat Americans like criminals because they are houseless?! I've had the virus twice and have offered to provide proof to Discover. I requested to speak to a supervisor on several occasions. 

Email response to XXXXXXXX XXXX Executive Office of Customer Advocacy, who acknowledged my complaint but offered no resolution. This email response is virtually identical in meaning to the Discover XXXX   complaint response. There was virtually almost no effort applied to my complaint. I have attached Discover 's XXXX  complaint response which was responded to after I called " XXXX XXXX, Executive Office of Customer Advocacy '' which advocated nothing! 

Dear XXXX XXXX, When we spoke over the phone today, you explained this matter is closed, but according to the XXXX XXXX XXXX, Discover has not answered my complaint submitted on XX/XX/XXXX at XXXXXXXX XXXX. Complaint ID XXXX. UPDATED : The complaint was answered AFTER our phone conversation. You offered no resolution over the phone today nor in the XXXX  complaint response which is identical to your email sent to me on Friday, XX/XX/XXXX. 

Let me remind you and Discover I am undergoing financial hardship! 

XXXX ) The Discover card credit assistance programs within my account online loggs me in and out of my account each time I click any link within this page. Once I log back into my account, the information provided offers few support options and no programs for which I qualify despite my financial hardship. 

XXXX XXXX XXXXXXXX? XXXX & XXXXXXXX XXXX XXXX XXXX ) I called Discover " Help with Credit Problems '' at XXXX and spoke to " XXXX XXXX, '' who told me I reached the credit operations department. XXXX promptly forwarded me to the hardship department, which was the " pre-delinquency '' department -which also offered no support whatsoever! 

XXXX ) After much research and several attempts to request assistance under the Discover financial hardship programs page, not one program offered assistance. 

Also, you explained your department is the highest level of executive support available to me. Therefore, at this time, I request you forward this message to your immediate supervisor, AND I REQUEST PROOF OF SUCH. 

If Discover can not offer me financial hardship assistance or credit protection as promised, I suggest Discover tells me such and cease misleading me and the American public! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief