Consumer complaint received 2016-03-10
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
DISCOVER CARD SERVICES HAS BEEN GIVING ME MISLEADING INFORMATION ON MY CREDIT CARD ACCOUNT BALANCE AND THEY NEVER DULY RESOLVE ANY ISSUE THEY PROMISED THEY WOULD FOLLOW UP ON. I PERIODICALLY CALL THEIR TOLL-FREE NUMBER AT XXXX AND I GET ROUTED TO DIFFERENT DEPARTMENTS WITH MISLEADING INFORMATION. THEY ARE RIPPING ME OFF WITH THE INACCURATE BALANCE ON MY BILL WHEN I CLEARLY EXPLAINED TO THEM THAT I AM NOT FINANCIALLY RESPONSIBLE FOR FRAUDULENT CHARGES ON MY ACCOUNT AS I HAVE BEEN THE VICTIM OF INTERNET FRAUD, ON WHICH I WAS ABOUT TO FAX OVER DOCUMENTS TO THEM. THEY CLOSED MY ACCOUNT WITHOUT INFORMING ME OF SUCH ACTION WHEN I CALLED THE PAYMENT CENTER IN OHIO AND TOLD THEM THAT I WILL BE MAKING PAYMENTS ON THIS ACCOUNT TO TAKE CARE OF CHARGES INCURRED EVEN THOUGH I CLAIMED THAT I AM NOT RESPONSIBLE FOR SOME PAYMENTS POSTED ON THE ACCOUNT THAT WERE ALLEGEDLY RETURNED. DISCOVER IS TAKING SOME ADVERSE ACTION TO RIP ME OFF AND CAUSE EMOTIONAL DISTRESS BY OVERINFLATING THE CURRENT BALANCE FROM {$2800.00} ( THE PAST BALANCE IN XX/XX/XXXX ) TO {$6200.00} WHICH THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS TO CAUSE ME SIGNIFICANT FINANCIAL HARM AND EMOTIONAL DISTRESS WHEN I HAVE CLEARLY EXPLAINED TO THEM THAT WHATEVER PAYMENT WAS RETURNED UNPAID ON XX/XX/2016 ( {$3500.00} ) WAS NEVER CREDITED TO THE ACCOUNT AND WAS NEVER DEBITED AT ALL. I RECENTLY MADE A PAYMENT ONLINE ON THIS ACCOUNT IN THE AMOUNT OF {$36.00} AND APPLIED THE CASH REWARDS BALANCE OF {$12.00}, FOR A TOTAL OF {$49.00}, ANOTHER OVERINFLATED MINIMUM PAYMENT DUE AS A RESULT OF THE OVERLY INFLATED AND INACCURATE CURRENT BALANCE FOR XX/XX/XXXX. I WAS INFORMED BY DIFFERENT AGENTS I SPOKE TO THAT THE CASH REWARDS BALANCE WOULD BE APPLIED TO MY MINIMUM PAYMENT DUE WITHIN 2 DAYS FROM XXXX XXXX, A DAY BEFORE THE DUE DATE OF XXXX XXXX FOR THE CURRENT BILLING CYCLE. HOWEVER, WHEN I LOGGED INTO MY ACCOUNT ONLINE, THE WEBSITE REFLECTS THAT DISCOVER HAS NOT APPLIED MY CASH REWARDS BALANCE TO MY MINIMUM PAYMENT DUE LIKE THEY SAID THEY WOULD. I WAS EVEN INFORMED THAT THEY WOULD WAIVE ANY LATE FEES I WOULD HAVE INCURRED BECAUSE OF SUCH TECHNICAL ERRORS THAT THEY HAVE BEEN HAVING ON THEIR WEBSITE. THE AGENTS I SPOKE TO CONSISTENTLY TOLD ME THAT THEY HAVE BEEN HAVING PROBLEMS WITH THEIR WEBSITE AND THEY CONSISTENTLY APOLOGIZE FOR THEIR MISTAKES BUT NEVER FOLLOWED THROUGH WITH THEIR PROMISED AND PROPOSED COURSE OF ACTION AIMED TOWARDS A RESOLUTION OF MY PROBLEM. NOW, I AM HAVING PROBLEMS WITH MY CREDIT REPORT BECAUSE OF INACCURACIES PERTAINING TO MY DISCOVER CARD ACCOUNT 'S CREDIT BALANCE WHICH THE CUSTOMER SERVICE AGENT HAS NEVER BEEN FORTHCOMING AND EFFICIENT ENOUGH TO RESOLVE. I CAN NOW FIRMLY AND AFFIRMATIVELY STATE THAT AFTER 30 CALLS I PUT IN TO DISCOVER CARD CUSTOMER SERVICE DEPARTMENT LOCATED IN DIFFERENT STATES, THERE IS NO CONSISTENCY, ACCURACY, DUE DILIGENCE AND TRUTHFUL REPRESENTATION OF FACTS FROM THIS CREDIT CARD COMPANY. THEY ARE UNSCRUPULOUSLY AND INTENTIONALLY CAUSING ME INTENSE EMOTIONAL DISTRESS WITH THE WAY THEY ARE ADVERSELY IMPACTING Y CREDIT.

Company response to consumer: Closed with explanation