Consumer complaint received 2020-12-24
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern : This complaint concerns my credit card account with Discover Card, which became delinquent in XX/XX/XXXX. 

I wish to make the following points : After several letters insisting on payment, I sent my attached letter dated XX/XX/XXXX, to XXXX XXXX, Discover Card CEO. Among the issues I raised was that my income source from Social Security is exempt from judgement or similar actions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc. This was sent via Certified Mail, using Tracking # XXXX, Delivered to Agent for Final Delivery, XXXX XXXX, XXXX at XXXX XXXX.Tracking documentation is attached separately. 
On XX/XX/XXXX, I received the attached email from Discover Card threatening to sue me if I didnt pay by XX/XX/XXXX, which sarcastically said Were here to help. 
I immediately responded with the attached email to Discover Card CEO XXXX XXXX and several of his executivesthis email included the text of my ignored XX/XX/XXXX letter to Mr. XXXX, where I stated my income exemption. 
On XX/XX/XXXX, I received an email from XXXX on behalf of Mr. XXXX, and I replied, insisting on a response by Friday, XX/XX/XXXX. 
On XX/XX/XXXX Discover actual shipped Priority Mail Tracking Number : XXXX, which looking from the bottom up, initially sent to USPS on XX/XX/XXXX, but didnt actually ship an actual letter until XX/XX/XXXX ( after I sent Discover Card emails, and Discover Card ceased direct communication with me ). This was received on Monday, XX/XX/XXXX. 
On XX/XX/XXXX, I received via Priority Mail the attached document, which is dated XX/XX/XXXX, demanding payment by XXXX XXXX on XX/XX/XXXX. I consider this to be a legal document, so its funny that it is dated after their deadline date, and received TWO WEEKS AFTERWARD, so it is both unrealistic, and attempt to bully. I will not accept an oops excuse, because this is likely standard practice. Later on XX/XX/XXXX, after I received the Priority Mail referenced above, I received an email and the attached PDF letter from XXXX, Executive Office of Customer Advocacy at Discover Card. There are several interesting things about this letter, which serves as the official response from Discover Card CEO XXXX XXXX and his executive team : The letter is erroneously addressed to an address on XXXX XXXX XXXX, my correct address is on XXXX XXXXall prior correspondence from Discover Card, except this letter, has been correctly addressed to XXXX XXXX, since that is the address in their customer databaseIm curious why XXXX got creative and careless. There are variations of XXXX XXXX addresses in XXXX XXXX, but they dont belong to me ; such an error could cause the misdelivery of important correspondence, raising privacy issues ; The letter is addressed to XXXX XXXX. All prior correspondence from Discover Card has been addressed to XXXX XXXX XXXX. This important both for credit reporting, and because my late father lived at this address, and he had a similar but different name. Precision is missing here ; XXXX states As of XX/XX/XXXX we have taken the appropriate actions to prevent future contact regarding the status of your above referenced account. At no time have I told Discover Card to Cease & Desist, just that they must respect my rights, including my income source exemption rights under Federal and Nevada law, which I outlined in my still-ignored letter to Discover Card CEO XXXX, and they should not unduly harass me. If Discover Card wishes to completely cease contact with me in order to end their harassment of me, I welcome the relief, but this is their unilateral decision, and is not based on any kind of specific written language from me ; XXXX continues Please understand that taking this action does not relieve you from repayment obligation and may prevent us from being able to notify you of available repayment assistance or for other account servicing matters. Again, ceasing contact with me is Discover Cards unilateral decision. As to repayment assistance etc., Discover Cards TWO WRITTEN THREATS of legal action in 14 days ( especially the one dated XX/XX/XXXX demanding payment by XX/XX/XXXX ) hardly shows concern for my well being, as a XXXX XXXX XXXX XXXX XXXX defined as XXXX by both the Social Security Administration ( see attached SSA Benefits Verification Letter ), and self-identified under provisions of the Americans With Disabilities Act, 42 U.S.C. 12101 et seq. Discover Card did not respond to my email of XXXX, and only sent the second legal threat by Priority Mail on XXXX AFTER they received my emails. I believe their choice to make this XXXX individual wait in silence to receive both the Priority Mail letter and the corporate response emailed later the same day, XX/XX/XXXX, might have been an attempt to XXXX me. If so, it worked, since I slept little in the intervening 3-5 days. 

In conclusion, I still dont have answers to any of the following questions, which Discover Card refuses to answer : Does Discover Card still intend to sue me? 
Does Discover Card recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., which I described in my Certified Mail letter dated XX/XX/XXXX? I also have other exemption documentation that Im not including here, available upon request. 
Does Discover Card recognize the 6-year Statute of Limitations under Nevada Revised Statutes 11.190 ( 1 ) etc.?

Company response to consumer: Closed with explanation