Consumer complaint received 2019-11-10
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX, XXXX I lost my employment for beig ocnsidered " old '', and was bullied out of my employmnt after working for XXXX XXXX XXXX XXXX for almost 20 years without a blemish, almost perfect attendace, and in those years, I raised over {$70000.00} for the XXXX  XXXX . I  contacted all of my creidtors, made them aware that my wife and I were care givers to my XXXX year old Mother in Law, God bless her, who sufferred from XXXX XXXX XXXX since year XXXX. Mom died of XXXX in XX/XX/XXXX two months after being diagnosed at XXXX Hosptial in XXXX XXXX. My former Employer was aware of my diffculties, but elected to be arrogant, and made life diffuclt for me when I began to be absnet to care for my Mother In Law. I was dismisised and subjected to a visceral smear campaign where employees of my former Employer ( alll Women ), staged illegally placed old XXXX photos from the XXXX on the desk where I worked at XXXX XXXX XXXX in XXXX XXXX. ( I have the evidence )., The local NY State Homan Rights division " dismissed '' my complaint on grounds I had " Insufficient evdinece. ", meaniong, they did not want to raock the boat especially with a politicall well connected blue chip law firm XXXX XXXX XXXX XXXX XXXX, that represented my former employer. During my difficulties, I notified all credit cards. I had engaged XXXX XXXX in XX/XX/XXXX to help me reorgnize my dewbt, hoping XXXX would contact my creditors immediately to make them ware I was attempting a good faith effort to pay them all, under a reogranizaiton of my debt sinceI was out of work. I have letters to prove I contacted Discover Bank card ending in XXXX, XXXX XXXX  XXXX ending in XXXX, and XXXX XXXX  card ending in XXXX. A little over a year ago, XXXX XXXX  allowed me to continue payin monthly at {$60.00}, the card ending in XXXX, but they refused to reduce their astronomicallly high interest rates So I am paying {$68.00} montylhy ( how they upwardly changed the amoun t form {$60.00} to {$68.00} is beoynd me ), and I'm paying {$50.00} extra on my checking account to reduce the balance still at over {$2500.00} with monstrous interest rates ( white collar extortion ), so I will finish paying XXXX  in 5 years at the rate they squeeze me. I wish they would reduce the interest on the card even to 7 or 5 %. Discover card ignored my please, telephone calls, and XXXX ruined my credit by dbeing neglectful, allowed my cards to default so they could collect bonus/fees or claim they had reached " a settlement '', after all my credit cards had defaulted, which was to thier beneeficila financial interest. I found out and learned the hard way that I could negoitate settlements, so I did this with XXXX XXXX, XXXX, even XXXX XXXX which has amon the highest mafia style interest rates, on their claim they help consumers get credit again, at zenith interest mob like rates, no disrespect intended, I am grateful to them. I have attached a letter or law suite that was improperly served on me by Regular Mail, I recieved this document on Saturday XXXX, XXXX XXXX, XXXX whose contents state they are represented by a law firm in XXXX XXXX, NY I am in the XXXX, and the lawsuite is on behalf of XXXX XXXX XXXX ( notoriously unfriendly debt collectors ( I read the horror stories on the Internet ), and DISCOVER CARD. The problem I have with this pice of crrespondnece is that the lawsuite agaisnt me was filed XX/XX/XXXX. No one ever came to serve me in person, nor did anyone attmept to inform me, notify me of this excessively litigious effort, in spite of my numerous good faith efforts contacting Discover Card, and XXXX XXXX ( Arizona ) Attn XXXX XXXX ( a real difficult person to speak to ), in an attmept to arrive at a satisfacotry settlement of Discover Card. XXXX claimed she would settle at {$3500.00}, however, a reivew of the attached document shows XXXX/Discover acted in BAD FAITH, and are demanding {$4600.00} plus filing fees, and court costs. In other words, XXXX on behalf of Discover wants to have their cake, and eat it too! You can't on the one hand, make a proposal to setttle for less, and then go behind my back and sue me for a lot more. That is not fair. This kind of fiscal chicanery and wilful perfidy is a travesty of justice! The attached document was never served upon me personally, and I just recieved the attached documen by regualr U.S. Mail only yeasterday Saturday XX/XX/XXXX in my mail box! The lawsuit must be dismissed on gournds of unethcial improprer service of a Notice to Sue, and on grounds a settlement amount was previously proposed to me. The delay in responding to XXXX owed to the fact that my wife of over 25 years, had XXXX XXXX XXXX in the past, ( her Mom dided of XXXX last year asI described in the early part of this naraative ) and she is suffering from XXXX, I am also helping to pay afuneral bill for my Mom in Law ( she had no burial fund ), andthank God, I found work with a local government agency. I am getting back on my economic feet slowly. I need for Discover Card ( card ending in XXXX ), XXXX XXXX  ( Card ending in XXXX ), and XXXX XXXX ( Card ending in XXXX ) to show good faith to me. I have never welched on my debts, and I am an honorable Man who long ago, went before the old military XXXX XXXX accompanied by my XXXX XXXX, the XXXX XXXX existed, and I attended a Hearing on my fitness to serve the military during the War in XXXX. No one at that time, least of al,, our government in Wshington, DC never asked me if I was willing to bear arms, give pu my life in a controversial War, however, I did not have wealthy, politically well connected parents who could afford to hide me in XXXX as hundreds of thousands of families did to protect their Sons and Daughters, I went voluntarilly before the Military XXXX XXXX and honorably represented myself accommanied by my XXXX  ( I'm a member of the XXXX XXXX XXXX XXXX XXXX   XXXX XXXX and an XXXX XXXX ). I did not run and hide from my duty as an American! These credit card companies are to be commended for giving me credit, however I need their help to pay them via terms that are truly fair to me, and which allow me to pay donw my oblgiaitons witohut bleeding me. My Wife means the World tt me, I must care for her. I love her deeply, and she is all I have in this Wolrd that matters to me. She is immersed in deep grief over her Mother 's death last XXXX, XXXX, and my Wife, God bless her, suffers from deep XXXX, she underwent very serious XXXX XXXX in the past.

Company response to consumer: Closed with explanation