Consumer complaint received 2023-10-25
Company: DISCOVER BANK
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint involves an issue that began in XXXX when I was given a lower interest rate for 6 months because I was having trouble paying all of my bills. In XX/XX/XXXX, my Discover card bill increased again. I called Discover in XXXX to ask for help. After many calls and continuing harassment from them, I agreed to a payment plan to start XX/XX/XXXX. I agreed so they would stop with the harassment. I began getting help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) just after accepting Discovers plan. XXXX informed Discover that I would be working with them. I believed that my payment plan was discontinued after they received the letter from XXXX. I didnt trust Discover so I removed my bank account information from my Discover Card account so the previously agreed upon payment could not be withdrawn from my checking account on XX/XX/XXXX. I was notified that Discover Card had withdrawn {$170.00} from my checking account. They disregarded the fact that I had removed my billing information and told me that they keep billing information even if you delete it in their system. And, it was my fault because I did not formerly end the payment that was arranged- {$170.00} on the first of every month. I requested that the money be refunded to me. The answer was no. I called the Discover Card complaint line on XXXX and spoke with XXXX. He was going to call me after looking into it. No call came and when I tried calling the number again, I got a message stating it is no longer active. The fact that a company keeps deleted bank account information is appalling. When I removed my checking account information I also withdrew my consent. I have had no end of trouble with this company. I reported all of this to the XXXX  and Discover blamed me and refused to acknowledge storing my checking account information and withdrawing money. The letter from Discover said it was resolved. Below are the communications with Discover and the XXXX 

Desired Outcome/Settlement Desired Settlement : Refund None Provided From the XXXX on Wednesday, XX/XX/XXXX Please see attached. 
Attached Files/Documents XXXX XXXX XXXX XXXXXXXX From the XXXX on Thursday, XX/XX/XXXX Please see attached. 
Attached Files/Documents XXXX XXXXXXXX XXXX XXXX XXXXXXXX From the Consumer on Tuesday, XX/XX/XXXXXXXX XXXX XXXX  Complaint : XXXX I am rejecting this response because : Since Discover card is unwilling to accept responsibility for the previous action which lead to my initial complaint, Sincerely, XXXX XXXX From the Consumer on Wednesday, XX/XX/XXXX Complaint : XXXX I am rejecting this response because : this response fails to address the fact that my checking account information was deleted from my Discover card account. However Discover still withdrew {$170.00} from my checking account. When you delete payment information from a computer system, one expects that it is deleted and not stored for use by that company. When the checking account information was removed I withdrew my permission/consent to use that information for any use by Discover card. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief