Consumer complaint received 2015-10-24
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Late fee

Complaint:
My complaint is with Discover Card. I have been a card holder with them for over 4 years and have never missed a payment, I always pay on the due date and receive email reminders regarding the account. I simply made an oversight on my bill due XXXX XXXX, 2015. I had gone on their website, as normal on the due date and inadvertently, I did not hit " submit '' after entering my payment information. I realized I had made an error the following day and promptly scheduled the payment one day past the due date. I asked them via chat and an email to wave the late fee due to my impeccable payment history. They declined both the requests and advised me of email alerts again which I already have set on the account. I feel they are being unfair because I was an authorized user on my spouse 's discover credit card account that fell behind and he recently had to file bankruptcy due to an under performing business that he shared ownership in. He is listed on my account as an authorized user as well. I am also a former employee of discover and was given a very low fixed interest rate on the account. I feel this is also a factor as about a year ago they lowered my credit line sighting too many balances close to the credit line which was not the case as most of my other creditors raised my limits around the same time without me even requesting increases. The decrease on the credit line also mysteriously got lowered at the same time my spouse 's discover account had fallen a couple payments behind. So I feel that they are using his history and his bankruptcy to treat me unfairly as well. I 'm quite sure they have treated other former employees the same and are using very deceptive practices. They also do n't follow FDCPA regulations because when my spouse 's discover account was in collections they would at times leave more than XXXX message per day on the same phone number which is not in compliance with FDCPA regulations. All I want is a {$25.00} adjustment from a company who makes XXXX of dollars. It is not the monetary value of the late fee that is discerning rather the blatant disregard for a customer of 4 years who has never been late previously. In essence I feel that because of the card act and my low fixed interest rate and their inability to raise the interest rate without just cause, that they are bullying me into voluntarily closing the account as they are not able to make a significant profit off of my credit card account as the operations cost are somewhat equal to the revenue they generate from my account. With ten years experience working in the credit card industry for several of the world 's largest credit card issuers the general rule of thumb is that customers are eligible for a courtesy late fee waver once every 12 months for an open account in good standing. They failed to adhere to the rule of thumb in this case. With these unfair practices I find it hard to see how Discover has a reputation for delivering superior customer service with ratings just behind XXXX XXXX. I do n't intend to sit back and let discover bully me as a consumer.

Company response to consumer: Closed with monetary relief