Consumer complaint received 2022-02-17
Company: DISCOVER BANK
State: WA
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:
My name is and I am the member with Discover credit card institution now more than 12 years. I have got the credit line of {$5000.00} which included cash advances of {$1800.00} in it structure. My credit line was approved from your institution on base of my student status in this time on base of my student loans at XXXX. I regularly paid on timely manner my monthly rate of minimum payment due and have not late payment problems during my period of membership, despite of my extremely financial hardship. 
My problem with Discover began far before your statement of XX/XX/XXXX, which activates my attention on fact that for longer than one year my basic debt did not became lover not for one cent although I made a payment in amount of {$88.00} up to {$100.00} every month regularly. This oriented me that in beginning of XXXX of XXXX call Discover center and request to talk with one of representatives to discuss my problem. After short connection and explanation of my problem served representative transferred my call to one of Accounts managers which name was XXXX? Her last name I did not got alleged they do not give their last names. 
I explained my concern to XXXX XXXX regarding the fact that after more than one year of regularly paid my monthly rate of around 100.00 per month my basic debt is constantly at level of {$3200.00} or higher and never go under this amount. I also asked her how is possible that for every single month the interest charges are 60 % or higher from my payment. XXXX XXXX agreed with my concerns and explained me that she can not return back to my account the amounts alder than three months and immediately returned {$320.00} on my account. 
She also explained me that interest charges are at level of 60 % or higher because I use my cash allowance. I disagreed with such explanation because I do not use cash from my account. The truth is that I used just once cash from my account and this happened more than seven ( 7 ) years ago. XXXX XXXX accepted my explanation and promised me that from this day and forward the interest rate will be not charged on base of cash advances and majority of my payment will be returned on my basic debt. She also emphasized that I must not make the payment before I get my new monthly statement. I agree with such solution and finish the talk with XXXX XXXX. 
The proof : Statements from Discover of Accounts Summary that verify not one time use of Cash Advances years long what mean that they illegally planted Interests Charges up to 70 % from my monthly payments On XX/XX/XXXX I have got e-mail from Discover office with request for make a payment because I was late although I regularly paid my monthly portion on my account on XX/XX/XXXX, and they again charged me with late fee of {$40.00} and with interest charged of {$62.00}. This unfair billing surprised me a lot therefore, I again called Discover office and explained serving officer my agreement with XXXX XXXX and pleased him to connect me with her. This time I was connected with account manager who introduced herself as XXXX XXXX XXXX and explained again my problem. She explained to me that investigation of my case is necessary and promised me that would call me back in Wednesday XX/XX/XXXX. 
XXXX XXXX ( I do not know is this her real name ) called me back on XX/XX/XXXX ( Thursday ) and told me that late charges were added to my account despite of payment of {$100.00} because they requested payment of {$110.00} what I oversaw somehow and because of my financial hardship I could not even pay at all. She was exactly rude an told me that Interest Charges up to 70 % will be taken from my account despite of fact that I do and did not use Cash Advances from my credit card account because is this exactly this what I subscribed in agreement when opened credit card at Discover. 
XXXX XXXX with this statement forgot that after crash of financial market from XXXX and new regulation connected with legal obligation of credit card institution, these illegal charges on someone credit card account are strongly prohibited. 
The proof : Different approach to my complain between Account Managers XXXX XXXX and XXXX XXXX verify your serious wrong doing and deceptions in billing process connected with my credit card account and verify that my requests are more than justified The story after this event continued and on XX/XX/XXXX i called Discover Card and try to make the payment but now they requested more than {$150.00} what i did not have at all because my SSA is at level of {$65.00} per month after paid Medicare B. The officer at Discover alleged accepted my complaint and amount that i offered to pay of {$100.00} and promised me that this amount will be permanent, and that alleged late fees will not appeared in following statements. However, in statement for XX/XX/XXXX these late fees even elevated up to level of {$110.00} altogether with basic payment arose to level of {$210.00}. In talk with different official at Discover she even told me that my monthly payment will elevate up to {$220.00} per month what is at least three time more then my SSA benefits of {$65.00} per month. 
I wish to emphasize that up to day for 11 years of regular repayment of my credit card i paid back more than {$11000.00} on name of my credit debt which more than seven years stay at level of around {$3000.00}. 
I have all proofs about this fraud of Discover credit institution just i did not have scanned them yet. After that i scanned them i will add them to my basic complaint if will be necessary and possible.

Company response to consumer: Closed with explanation