Consumer complaint received 2019-09-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
IT WAS DISCOVER CREDIT CARD COMPANY. 
I HAD ABOUT {$2900.00} TO PAY OFF THIS AMOUNT IN THE MONTH OF XX/XX/2019. I WAS MAKING MY PAYMENTS WITH NO PROBLEM WITH THIS COMPANY ABOUT, NOT RECIEVING ANY OF MY PAYMENT FOR ABOUT ONE YEAR. I MAILED PAYMENTS TWICE TO DISCOVER. 
THEY KEPT MY PAYMENTS ON HOLD. 
ON SEVERAL CALLS MADE, DISCOVER DENIED OF NOT RECIEVING MY PAYMENTS. I WAS GREATLY DISAPPOINTED WITH DISCOVER. 
THIS COMPANY FULL KNOWLEDGE OF THE IMPORTANCE OF PAYING OFF MY BALANCE BY XXXX XXXX. THEY JAVE THE IDEA THAT I HAVE XX/XX/XXXX FOR MY PROGRAM - NO INTREST FEE TO EXPIRE. I WAS ACTUALLY EMOTIONALLY AND FINANCIALLY ABUSED MENTALLY AND FINANCIALLY WHEN DISCOVER DENIED FROM THE FIRST WEEK OF XXXX TO XX/XX/XXXX OF NOT RECIEVING MY PAYMENTS SND LATER CSSHED MY CHECK. THIS ISSUE CAUSED ME A LOT OF DAMAGE TO MY FINANCIAL NEEDS, SUCH AS MORTGAGE, SCHOOL, BILLS AND OTHER CREDIT CARDI NOT BEING ABLE TO BE PAID IN THAT XXXX MONTH, ON ATTRMPT TO FIND ANOTHER SOURCE OR MEANS TO PAY THE SECOND TIME TO THIS COMPANY. IT SUBJECTED ME TO A VERY DIFFICULT SITUATION/HARDSHIPS AND LATE PAYMENTS CHARGES ON ALL OF MY PAYMENT, INCLUDING MY MORTGAGE, SCHOOL, BILLS, CREDIT CARD PAYMENT. DISCOVER DISRUPUTED MY FINANCIAL PLANS/NEEDS BY DELAYING AND HOLDING ALL MY PAYMENTS MADE TO DISCOVER, WHICH WAS IN TURN WAS AFFECTING THE BALANCE UPDATE OF MY ACCOUNT. EVEN, ON SEVERAL ATTEMPTS OF CALL MADE TO DISCOVER, TO FIND OUT A REFLECTION OF PAYMENT MADE TOWARDS MY ACCOUNT, REMAINED THE SAME BALANCE ON TWO SEPARATE PAYMENT MADE TO THIS COMPANY. I CALLED TO SPEAK TO CUSTOMER SERVICES AND EVEN REQUESTED SPEAKING WITH SUPERVISORS AND I WAS TOLD MY PAYMENT WAS NOT RECIEVED. 
THIS IS THE SAME ADDRESS THAT I HAVE ALREADY MADE MY PAYMENT. 
THIS IS ACTUALLY WHAT HAPPENED OR THE INCIDENT. I WAS VERY MUCH SERIOUS, DESPERATE AND EAGER TO PAY OFF MY BALANCE BEFORE XXXX XXXX TO AVOID BEING SLAMMED WITH INTEREST RATE DEFERRED FOR ONE YEAR. I HAVING BEEN MAKING MY PAYMENTS WITH NO PROBLEM. 
SO, AS I AM AWARE THE PERIOD TO PAY OFF IS GETTING CLOSE, I DECIDED TO PAY MORE ON MY ACCOUNT. 
I MAILED A PAYMENT OF {$1500.00} MONEY ORDER ON FIRST WEEK OF XXXX, MAILED TO DISCOVER. 
I CALLED DISCOVER AFTER ABOUT 7-20 DAYS TO CONFIRM MY PAYMENT RECIEVED. DISCOVER DENIED OF NOT RECIEVING MY PAYMENT. 
IN THE SAME MONTH, XX/XX/XXXX, I MAILED ANOTHER FEE, CHECK OF {$500.00} TO DISCOVER. I CALLED DISCOVER AFTER 10 DAYS. 
THIS COMPANY DENIED OF NOT RECIEVING MY PAYMENT AGAIN. 
I WAS DEVASTATED, SUBJECTED AND IMPOSED TO PAY ANOTHER FEE/2ND TIME OF THE AMOUNT OF {$2000.00} OVER THE PHONE, INCLUDING THE REMAINING BALANCE OF {$400.00} PLUS TO PAY OF BALANCE BY XX/XX/XXXX. 
FOLLOWING, MY INVESTIGATION OF THE MONEY ORDER MAILED, I WAS INFORMED MONEY ORDER WAS KEPT ON HOLD AND NOT CASHED. 
I CALLED MY BANKS TO FOLLOW UP WITH THE WRITTEN TO DISCOVER, I WAS ALSO TOLD CHECK WAS NOT YET CASHED. THIS IS WHERE, I KNEW THST DISCOVER CREDIT CARD COMPANY IS PLAYING S GAME TO HOLD SLL PAYMENTS MADE TO THEM, TO BUY OUT MORE TIME AND AS TIME GOES, THE DAYS GOES BY TO XXXX XXXX, THEN WILL THEY APPLY THE INTEREST RATE TO MY ACCOUNT. 
I WAS SUBJECTED TO USE ALL THST I HAVE TO FEED AND PAY MY BILLS TO PAY FOR A SECOND TIME. 
I CALLED MY BANKS AGAIN, AND WAS TOLD DISCOVER CASHED THE {$500.00} CHECK ON XX/XX/2019. 
I WAS ALSO FORCED TO CANCEL THE MONEY WITH A CANCELLATION FEE. 
NOW, I OVERPAID DISCOVER WITH {$500.00}, OF WHICH AS OF THIS DAY, I HAVE NOT RECIEVED THE OVERPAYMENT. 
I, AM THEREFORE ASKING DISCOVER TO PAY ME THE AMOUNT OF {$2000.00}, THAT THEY MADE AND SUBJECTED ME TO PAY THE SECOND TIME. 
WHEN, THEY HAD ALL MY PAYMENTS ON HOLD TO PURPOSELY AND INTENTIONALLY DELAY MY PAYMENTS TILL AFTER XX/XX/XXXX. 
SECONDLY, REFUND ME MY {$500.00} PLUS OVERPAYMENT TO ENABLE ME GET MY MEDICATIONS AS SOON SD POSSIBLE. THANK YOU SO MUCH FOR YOUR SUPPORT AND UNDERSTANDING.

Company response to consumer: Closed with non-monetary relief