Consumer complaint received 2021-06-11
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: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX Florida Case # : XXXX Division XXXX Filing # XXXX Plaintiff : Discover Bank Defendant : XXXX XXXX XXXX XX/XX/XXXX Sent To : Plaintiff Retained Attorney XXXX XXXX XXXX Florida Bar ID : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I am XXXX XXXX  rated XXXX outpatient service-connected XXXX XXXX XXXX  XXXX veteran single, age XXXX sole income since XX/XX/XXXX 100 % sole Federally funded income. This defendant copy was forwarded to Mr. XXXX with no response, acknowledgment, nor reply, no action taken to dismiss or withdraw after being notified of exempted sole Social Security or Veteran Administration income causing XXXX XXXX compounding my relative mental condition. 

Mediation : On XX/XX/XXXX This email was sent to Discover Card in response to the threat of attorney on collection but in every instance, theft refuses to receive email voiding any possible chance for a legal paper trail as all credit card corporations appear to avoid, this was sent back to me undeliverable answering a warning email from them. It would have been the working remedy for me to pay them down had they taken the time to cooperate with their customer but Discover rudely refused for an unknown even suspicious reason to me. 

To : Discover Card With a high clean ( XXXX ) credit rating when this account was active my working solution was when I applied at least twice for a consolidation loan both denied the second I recall was a belligerent denial. I rely on Veteran Administration limited monthly benefits direct deposits to survive since XX/XX/XXXX those are protected, exempt from any money grab or legal method of funds seizures. This is not a " one-way '' business matter I have something to say about how my limited by Federal Government minimal benefits are disbursed. When a good-standing customer requests a consolidation loan to smooth it out as perhaps the only working solution grant us that you would have been paid, there is no hidden wealth this was not done deliberately. 

Everything I own modestly has been Federally funded since XX/XX/XXXX with no other income as a XXXX XXXX rated XXXX XXXX XXXX veteran since XX/XX/XXXX, solely reliant upon Veteran service-connected XXXX income and less than {$500.00} monthly social security retirement benefits, which I discovered are bot Federally protected from creditor litigation, as is my Federally funded {$300.00}. XXXX XXXX. This isolated income and no savings account both I believe are Federally protected fundamental survival funds. As a homeless XXXX veteran residing precariously in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX with Section 8 assistance HHOPE Act Team for chronic homeless I reside single sinceXX/XX/XXXX when VA benefits released me from Section 8. Being treated for XXXX since XX/XX/XXXX daily I wake XXXX XXXX  XX/XX/XXXXwith this impeding small claims in the wonder of protecting my few belongings, and cXX/XX/XXXXc as I am prescribed daily medication since XX/XX/XXXX and no family other than a variety of companion Dogs since arriving in XXXX Florida XX/XX/XXXX. 

I am doing what I can to enter the motion of dismissal based upon Federally protected and I believe Florida protected VA XXXX benefits and Social Security sole income statu7s, and hardship against a XXXX service member withXX/XX/XXXX being complicated by Discover Banks uncooperative unprofessional decision to refuse my application for debt consolidation on two occasions when I had maintained regular payment a XXXX credit score up until that time. This would be like paying them to formally devastate what credit rating I did work to accomplish in recent years as all the cards I possessed fell with no consolidation agreement for an unknown reason this was done actually to me. VA does not render unto veterans what should be tendered very minimal monthly benefits that technically do not allow for credit maintenance. I lived XXXX until age XXXX with no credit whatsoever in various parts of the nation I do technically not credit dependent. 

As a XX/XX/XXXX XXXX XX/XX/XXXXveteran I was served this Breach of Contract small claims summons on Saturday XXXX XXXX XXXX XXXX which indicates somewhat the inability for most Americans to actually respect your XX/XX/XXXX which also nationally kept me homeless for decades working 40 hours a week jobs with such low wages I went home to in inoperable XXXX XXXX XXXX unable to prepare deposits to rent any form of residency until the VA took interest in XX/XX/XXXX living rough in the streets robs the worker of rest losing skill-set. 

Had Discover Bank honored my attempts to arrange a debt consolidation loan on either of the two proper applications my credit rating would have been maintained and they would have been properly paid, but they didn't for an unknown cause to me. Breach of Contract failed here to recognize contracts have two ends in a cooperative business package, not just their own as they are presenting me personally. 

Proof on protected income was also provided to XXXX XXXX at XXXX a few days after receiving the Summons.

Company response to consumer: Closed with explanation