Consumer complaint received 2019-01-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Disccover card Account number XXXX XXXX XXXX XXXX On XX/XX/XXXX ( my payment due day ) I made my payment XX/XX/XXXX I received an email informing me my monthly statement was ready, I checked the statement and noticed that the minimum payment for XXXX, was {$100.00} dllrs, much higher than the usual minimum payment. The following day, XXXX day, I called Discover 's customer service to inquire about the reason the minimum payment went up so much. The Representative I spoke with told me it was due to a late fee, I told him I had made the payment on XX/XX/XXXX, the due date. 


I made the payment on XX/XX/XXXX, not on the XXXX, as stated on the account information, I was on time. The representative expressed he understood, apologized, told me the late fee will be reversed. 





XX/XX/XXXX, I received an email informing me that the late fee had been reversed. 





XX/XX/XXXX, I received the monthly email reminding me of the XX/XX/XXXX, payment due day. I noticed the minimum due was still {$100.00} dllrs, the late fee still included, it had not been reversed. 





XX/XX/XXXX, around XXXX XXXX. I called Dicover 's customer service to inquire why the minimum payment was still {$100.00}, why the late fee had not been reversed. 


The woman that answered my called did not clarify anything or solved the issue, the most she did was to asked me if I wanted to pay {$68.00} dllrs since $ XXXX is {$68.00}, {$37.00} been the late fee. 


I was going to pay my bill that day, XX/XX/XXXX, I just needed the late fee reversed first, I don't owe it, is not my mistake, I am not going to pay an amount I don't owe. 


The representative was of no help, she kept putting me on hold pretending to be trying to get a hold of her supervisor, she will put me on hold for several minutes, just to come back to tell me she could not find her supervisor, I asked her name she said her name is XXXX, I asked her the supervisor 's name she said the supervisor 's name is XXXX. At the end of the call, all I got was the aggravation of been put on hold several times and dealing with a representative that was ither new and really didn't know what to do, was pretending she didn't know or she is just inept. I wasted close to XXXX minutes, on this call for nothing, also the first call was useless. The possibility of me calling again the customer center is XXXX. 





A few hours later the same day XX/XX/XXXX ( a day before the due date ) at XXXX PET I deducted XXXXdllrs of the {$100.00} and made my payment of {$68.00} dllrs XX/XX/XXXX, I received a miss payment email, since then I been receiving emails and calls constantly, harassing me, insisting I haven't made the XXXX payment, ( not accurate, as I already explained ) the due day is the XXXX, I made the payment for XXXX on the XXXX, regardless they added another {$37.00} late fee to my account. followed by emails stating I haven't paid the late fee that is passed due and to pay it. 


Then the minimum payment for XX/XX/XXXX was raised to {$140.00} Telling me not to miss a second payment, ( I didn't miss a first payment ) Threatening me to report me to the Credit Bureaus, if I don't pay the {$140.00} dllrs they are charging me as the minimum payment due on XX/XX/XXXX Shame on Discover for the Unfair Fees, deceptive Practices and harassment. 


Discover does not send me a confirmation via email or text when I make my payment, all the other credit cards that I make payments to do, immediately after I make a payment. 


I also didn't get the email they usually send when you call customer service, asking to take a survey, after the last call I made to customer service, they know how bad and poorly they did. 





I been a customer for several years, I always made my payment. Correct your errors back to XX/XX/XXXX, when all this started, REALLY reversed the 2 late fees charged to my account, don't roll them over or disguise them with other charges as was done with the {$68.00} payment I made XX/XX/XXXX, when {$55.00} was applied as interest and {$37.00} for the late fee, and the charge for the late fee continues until now, regardless, I keep getting emails telling me I didn't make my XXXX payment. In this case the late fee was taken out of the {$68.00} payment I made XX/XX/XXXX. 





I'm asking you to correct, remove, reverse the 2 late fees the one for XXXX and the one for XXXX. When you actually do this my minimum monthly fee should reflect that, and the amount should be similar to the amounts I paid before this issue started. 





I'm asking you to make the correction immediately. Today XX/XX/XXXX, I made my payment of {$75.00} the charges for the late fees that were included on the minimum payment I can not make, I don't owe those amounts. 





If the errors are not corrected immediately, I will take any action permitted under the law. 





I expect your immediate response.

Company response to consumer: Closed with explanation