Consumer complaint received 2021-10-08
Company: DISCOVER BANK
State: MI
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:
CFPB I am filing this complaint about Discover Card, since they avoided and refused to address my previous complaint and the CFPB has closed that complaint anyway, preventing me from responding to it. 
The MI Attorney General forwarded my complaint to the CFPB, I did not prior contact the CFPB. But I did not contact the MI Attorney General regarding the Discover Card dispute, I contacted them regarding the interest fees that Discover Card had charged me. Discover Cards response was designed to mislead the CFPB so far from the actual complaint, as to leave them confused, while instead blaming me for Discover Cards repeated acts of bad faith, while violating my privacy with things that are not irrelevant to my complaint. 
Discover Card keeps adding insult to injury. 
Also, Discover Card pretty much ends their misleading response with the alleged dispute process in XX/XX/2020. But my actual complaint starts with the interest fees in XX/XX/2020, and Discover Cards after the dispute process, when the consumer has contacted the merchant but is still unhappy. 
Since you Discover Cards brought it up, the merchant will Not let me return the item. I will have that statement sworn out in an affidavit if you want me to. Why wont Discover Card ask the merchant why they wont let me return it, and why they lied to Discover Card? Why is Discover Card being complicit in the merchants frauds against me? DC has not proven that I can actually return anything. I have gone to the merchant, they will not let me return anything. I have written the merchant, they will not respond just like Discover Card. I have offered that merchant letter to Discover Card via chat, more than once, they refuse to accept it. 
Also, DC dictating that I go to the merchant is harassing frustrating and useless ; I dont tell them where to go. And going to the merchant will not ever get my Discover Card interest fees waived. 
Discover Card says that the merchant is allowed to challenge their decision, as am I, otherwise, that is biased unequal and unfair treatment. If Discover Card can change their dispute decisions, they can change their interest fees charge, and reverse those also. 
Discover Card, has Not responded to my communications. I have not received letters from them. If I had, I would have not kept mailing DC asking them why they refused to respond to any of my letters. Discover Card has had over a year to create letters, and back date them, and yet, ( and also despite DCs fall XX/XX/2020 chat specifically alleging that they would mail me copies of these fictitious letters ), I still have not received them. All evidence proves that they do not exist, and Im sick of being lied to about it. Likewise, in your response to CFPB, DC has not even provided dates that correspond with a single one of my mailings, let alone an alleged, non-existent letter. 
The only reason that I did not pay the amount in full was because I am not required to pay an amount in dispute, and I was in good faith waiting forDCs response. 
DC can see from my 2 decades history with them, that I always pay the balance in full, and but for this dispute, which I am not required to pay, there would not be any interest fees at all. 
Also, due to coivd, the libraries were closed, and therefore, I had no computer access, and could not log into your the DC web site. DCs discriminating against me for not having a computer, is unethical. There re is no law requiring me to have a computer. DCs punishing me for covid is abhorrent. I am in no way responsible for the pandemic. 
These unusual circumstances, should be enough, alone, for DC to waive the fees, which occurred solely to their lack of response to me. Why are they allowed to punishing me, when DC is the ones who refused to respond to me, repeatedly? That is total abuse of power and position to harm me. 
When I finally, after 18 months of asking, had a very few fees waived, the DC employee told me that they could only waive 3 months of fees ; but besides that being a lie, ( they can in fact waive them all ), DC just has to want to. They have to care enough not to treat me like a disposable piece of garbage. 
I have been a loyal customer for 20 years, never prior having had any interest fees, and this is how they treat me now, after ignoring me for well over a year and during a pandemic. 
Had Discover Card responded to my XX/XX/2020 interest fee waiver request, there would not have been any more fees- they only occurred due to my in good faith waiting to hear back from DC, but that never occurred. The fault if DCs. 
Discover Card can not ethically refuse to respond to me, for the sole purpose of charging me more interest fees. That is blackmail and extortion. 
If Discover Card had responded to my XX/XX/2020, or my XX/XX/2020 interest fee waiver request, or my XX/XX/2020 fee waiver request, etc. there would not have been any more fees, etc. And those requests all fell under DCs employees stated 3 months of fee waiver by anyone. But the DC unknown respondent is not anyone, they have the power to waive all of the interest fees. My only mistake, was trusting Discover Card to do the right thing by me. 
If DC had looked into my account, they would have seen my XX/XX/2020, XX/XX/2020, XX/XX/2020, etc. letters. Or maybe they did, and since DC can not explain why they refused to respond to me, they just also failed to address any of those letters for the CFPB, because DCs admitting that they never responded to me, makes it more difficult for them to justify their charging me with interest fees. 
I am asking Discover Card again, to waive the fees, all of them. Discover Cards repeated refusals to respond to me, are the sole reason that the interest charge even exist ; DC also damaged my credit score, month after month, for 18 months. Waiving all of the interest fees that are directly related to this single dispute, the entire {$23.00}, is the very least that DC can do.

Company response to consumer: Closed with monetary relief