Consumer complaint received 2023-06-08
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my credit card after I specifically had a payment plan in place to keep everything on and in good status. They failed and neglected to do so. They have seized my security deposit. They also just sent me a right to cure default letter. I have reached out numerous times and each time has been something different from Discover. Now they have advised me that even if I honor the right to cure default letter that they sent to me that my account will not be reinstated. 

XXXX is as follows XX/XX/2023 - Spoke with someone regarding my account at Discover. Advised that I was on workman comp and they hadn't paid me. She advised me of different payment methods. I opted for the wiring info and she advised that when I get paid I can call in and get the information. The wire was supposed to be for {$250.00}. Scheduled autopayment was supposed to be stopped. My personal bank account was compromised and she removed the late billing fee XX/XX/2023 - Email from Discover regarding closing my account advised that due to unusual payment activity my account was closed. 

XX/XX/2023 - Called the customer service center immediately right after that email was sent and asked what can be done because I had a payment arrangement in place to stay any action. Bank account was compromised and had a payment arrangement in effect. Account # ending in XXXX. I had not pushed a new manual payment through. They advised me to call the XXXX dept. at their next time they open. Which I did and the agent was very rude and basically told me " that's tough. We cant and we wont do anything '' XX/XX/2023 - Called back to file a complaint against the agent XX/XX/2023 - Received a letter in the mail that says " Right to Cure Default '' from Discover. I have a photo of it in my Informed Delivery from the USPS. It says that I have until XX/XX/XXXX to cure the default by paying the past due amount of {$92.00} XX/XX/2023 - Called Discover and spoke with an agent about everything and she admitted that everything I said is matching up with their records. On the phone with XXXX for over an hour and was advised that I need to talk to billing because there is no way that the XXXX dept. can restore the account. The XXXX rep XXXX advised that I need to talk to billing and find out why a right to cure default letter was sent out to me. She advised that the right to cure default letter had gone out after the account was revoked. She also advised that the letter was to serve as formal notice that the {$92.00} needs to be paid immediately. I asked her exactly what this means for the account in question. If I pay the requested amount listed in the right to cure default letter does this mean that my account will be reinstated? Will I have to put another deposit down? I informed them that because I asked Discover to delete the payment account and stop the autopay that this is Discovers fault because I did my part as a consumer and arranged for payment to be fulfilled. 

!!! I also have all of the calls between Discover and myself recorded on video!!!

Company response to consumer: Closed with explanation