Consumer complaint received 2018-12-26
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it may concern, I currently hold a student loan with Discover Student loans. 

I previously sent a compalint to CFPB, # XXXX. 

Discover Student loans has not solved my problem but unfortunately it appears to you as a Closed case. 
Discover did anwer, but their answer does not solve anything. I currently have the same problema, nothing has been solved. 

I have been making monthly payments since I got the loan. 
On XX/XX/2018, I decided to pay the full amount of the loan, USD {$20000.00}, I paid before my monthly due date and USD {$57.00} today, XXXX2018. Discover argued that due to the fact that it was a large amount of money and that its an international wire transfer, it would take more days than usual for the them to confirm reception of the funds. I sent proof that the payment was sent. Discover had me on 9 days delinquency status since they argued they had not received the funds. 
Not only did they never answererd on received the money, they told me they sent it back, but never gave information of the datails of such wire transfer. 

Ever since that day I have been calling and sending emails, but Discover has not solved my problem, which was actually caused by them. 

As of today I was finally able to confirm with my XXXX XXXX XXXX, that they did receive the money back. 
Had to call Discover, again, today, XX/XX/2018, to ask them to send me in written form, via my email, ALL the details that they need my wire transfer to have, that I will be sending Discover, AGAIN. 
They did not give me an answer, I can not send the wire transfer again, without them confirming in written form ALL details that they need in order to recognize and confirm reception of the wire transfer, in order to avoid the same mistake they did the last time I sent the money. 
I also need them to confirm the exact amount that is due, in order to fully pay off the complete loan. 
I am also waiting on the confirmation of the USD {$100.00} credit they offered me, via phone and email. 
When they sent back the money, they discounted USD {$25.00} for sending me back the money, charge which I will not accept since the problem was caused by them, I demand to be reimbursed with the USD {$25.00} wire transfer fee they charged. 
My bank in XXXX XXXX, is going to charge me another USD {$25.00} for sending the money, via wire transfer back to Discover, again. For the same reason, I will not pay for this, I demand Discover to pay for this, via an additional credit they will give me. 
As a reminder, all this problems have been caused by them, since XX/XX/2018, when I originally send them my wire transfer with ALL the details the told me they needed. 

I need to know if any penalties should be applied to Discover for the time and money it is costing me to fix the problems they caused and actually be able to send the final payment and be done with the student loan I correctly have with them. 
I speculate they are causing all this problems on purpose, in order to charge me more interests since the date of the final payment is being extended, on purpose, by them. 
I would like to know if they can be penalized for this issue. 

In summary : 1. I need Discover Student loans to send me via email, ALL the details my wire transfer to them, needs to have. Including the exact amount due. 
2. I need Discover Student Loans to confirm the credit of USD {$100.00} they offered me, plus additional credits for the money it is costing me to send them the wire transfer again. 
3. I would like to know if CFPB ( Consumer financial protection bureau ) can  penalize Discover Student Loans for the all the money and time, Discover Student Loans is making loose. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief