Consumer complaint received 2015-07-06
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
In reference to my Discover card, having been a loyal customer for XXXX years with only XXXX different accounts all the while and never having a bill unpaid. When my credit card was used fraudulently, XX/XX/XXXX, it took XXXX months for Discover to finally do the right thing ( see attached transcription ) and correct the charge ; however, my account balance has never been correct since, and it keeps getting worse. Because of Discover taking so long to correct the fraud and making mistakes with putting the charge on an off of the account balance, I had been left with a constantly growing, mysterious previous balance and interest charges. I asked Discover to produce a clean statement showing why I would owe any money, and they were never able to do so. They simply sent me random statements from odd months that had nothing to do with the initial problem. With this said, I called to close the account, where there was less than {$100.00} or charges I still have no idea where there are being issued from, the customer service agent said there was enough money in the rewards cash back to cover the final bill and that would be it from Discover from then on. That was XX/XX/XXXX. It is as if this never happened but worse, I am not getting random bills with treats to send to collection agencies when I have not had an open account since XXXX of last year because Discover was never able to clean the statement and remove the interest and fees they said they would due to the mistakes they made over the XXXX years it took for them to fix the XXXX XXXX dispute. I will never pay any of this since I have paid for everything I have ever charged to the card, and I have done so on time and in full for the last XXXX years. If Discover was able to produce a statement showing purchases for which I have not paid, I would gladly pay the bill free of interest and fees, but they have refused to do that. If there was an amount due at the time of closing the account, I should have been told to pay it at that time, not by leaving the account open and sending bills to an address where I no longer resided, adding late fees and interest charges to someone who is n't even aware that an account is still active. Once finally getting an email from Discover, I have called XXXX different offices, one being the same corporate office that dealt with the original dispute in the first place over XXXX years ago, but no one ever answers the phone. No emails are returned. No voicemails are returned. I can get through to a general customer service person, but all they do is tell me they have no idea what is going on other than the balance on the statement needs to be paid or they will send it to collections this month. I learned today that because there has been a previous balance for so long, not only is my credit score being ruined from XXXX to a XXXX. I paid my mortgage on my house every month on time for 6 years, and I have never missed any payments for anything else I have ever owed or owned. I have had so much heartache and now financial personal loss that I have never experienced in my life because Discover has been negligent to make the necessary corrections. I left countless messages for the Executive Office XXXX XXXX, but her hours are listed as " Typically Available '' so she has, in over a year, never returned my calls. I only got a letter from her once saying she was taking off one of the interest charges, but of course it continued right after. If Discover can not produce proof for charges listed in the previous outstanding balance accruing since this incident began in XX/XX/XXXX because I pay for everything I charge in full on time all the time, then I do not know what do other than get a lawyer and see how to correct this. I want the slate put back to the way it always was before this incident occurred 3 years ago and I do not want to have to deal with this any longer. I would

Company response to consumer: Closed with monetary relief