Consumer complaint received 2021-11-28
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my online conversation with a Discover representative in which they refuse to accept my reduced payment of {$150.00} a month from the monthly amount of XXXX XXXX/month I have been unemployed since XXXX I am not able to make the complete {$200.00} but I have been making {$150.00} and you have not addjusted my account. Now I have bankruptcy attorney that we will soon XXXX XXXX in Florida in which Discover account will be included in my bankruptcy to be filed in the future should you proceed with collecting procedures and if you do my bankruptcy attorney will be contacting upon mail notification from a collection agency XXXX minutes ago Discover One of our 100 % US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. 


For your reference, our normal business hours are Mon-Fri XXXX ET, Saturday XXXX XXXX, and Sunday XXXX ET ( excluding holidays ). If you are messaging us during our closed business hours, we will respond to you once we return. 

Discover Hello XXXX XXXX, my name is XXXX and I will be assisting you today. I appreciate you taking the time to reach out. Thank you for being a loyal Discover card member since 2014. 

I see you are reaching out to let us know you are filing for bankruptcy. I am sorry your situation has lead you down this path. I hope things start to turn around for you! 

I see you gave the attorney 's name of who you are working with, XXXX XXXX. Can we get a phone number to reach him please? 
Fresh-Start.Law, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph. ( XXXX ) XXXX I have been making payments of {$150.00} and not the {$200.00} each month and you still are giving me a rough time about the {$50.00} that i am not paying each month totaling {$200.00} I had chatted previously sent you emails etc about this and still you will not lower my payments. to {$150.00} I will email my bankruptcy attorney and let him know how you will not negotiate reducing my payment Presently my account will not make payments of {$75.00} twice a month only demanding the {$850.00} and I can not make that XXXX minutes ago Unless you release this demand I can not make payments for XXXX You have tied my hands Thank you for providing that information. 

Again, I am sorry your situation has lead you to this point. 
I do see that you have been making {$75.00} payment twice a month for the past XXXX months. We have already done all we can to help you with this balance as you are enrolled in our 60 month pay off program which is lowering the interest rate to 0.99 % minimum payment to {$200.00} which is the lowest we can go. 
There is currently a minimum payment of {$850.00} since your account has been behind serval months, and I know you are paying what you can each month. 

I have noted your account with the information you have provided me with today. Thank you for reaching out to us! 
But you are not allowing me to make the {$75.00} payments for XXXX Therefore I can't make any payments until you change my account to allow me to make the payments now

Company response to consumer: Closed with explanation