Consumer complaint received 2015-04-29
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
To Whom It May Concern, Thank you for taking time out of your busy schedule to listen to my story. Here is how it goes. 
XX/XX/XXXX, I called Discover Card and activated my 'payment protection ' I had been being charged for since carrying a balance. I was informed at that time I was eligible for up to 24 months of 'payment protection. ' Shortly after that conversation, in the mail I received a letter from Discover Card telling me I was approved for 90 days. At that time, I did n't care I only was approved for 90 days because I was confident I was going to have a job by now. 
XX/XX/XXXX, I made what I felt was a courtesy call to Discover Card to let them know I was still unable to make payment due to still being unemployed. My first call was answered by a nice lady. I explained my situation and was intending on asking for my 'payment protection ' to be extended. In all fairness, I was referring to it as 'credit protection. ' She put me on hold then came back on and said she needed to transfer me to someone else. When she did that the call was disconnected. 
I made a second call immediately after the disconnected first call and, in similar fashion, when I was getting transferred the call was disconnected. 
On my third attempt, the first transfer sent me to someone dealing with identity theft. They had to transfer me to another department and I ultimately arrived ( after about 25 minutes of nobody competent enough to understand what I was asking for ) the Bankruptcy Department. 
I, once again, explained I would like to utilize all or at least a portion of my 'credit protection ' and, I assume since she is n't in 'customer service, ' when I told her I could n't pay, she asked if I had filed for bankruptcy. Because of my agitation, I said 'yes, I 'm going to file for bankruptcy. ' She set my credit card status to 'pending bankruptcy. ' I said that purely out of aggravation and 15 or so minutes after that call, I placed a fourth one. I got to the Bankruptcy Department and said I 'm not filing, I have n't filed, I would like that status to be removed. They said they ca n't reverse it. I asked if I was current on my payments and she said 'yes. ' In fact, my next payment is n't due until XXXX/XXXX/XXXX. 
Because of 'procedure and policy, ' they are not able to reverse the bankrupt status. I am being courted by XXXX XXXX. That would render a {$30000.00} base pay plus commissions. XXXX XXXX does credit checks and that bankruptcy would not allow me to be hired. It just seems they are cutting their nose off to spite their face because any job I ca n't get prohibits me from paying Discover ( and other bills. ) They seemed very quick to set me into bankruptcy status and very inept to know I still had 21 months of eligibility on my 'payment protection. ' I do n't think I should be penalized for their ineptitude. 
I received a letter yesterday ( XX/XX/XXXX ) from XXXX XXXX XXXX , XXXX identifying themselves as a collection agency. They 're only doing their job so I ca n't be upset with the messenger. However, they, as well as Discover Card, have identified I 'm current on my payments. How can I be neglected the ability to use the card if I 'm current on my payments? Yes, I 've been unemployed for some time, and have n't been able to obtain employment for a medical issue that occurred on XX/XX/XXXX. By the way, I 've had my relationship with Discover Card since XX/XX/XXXX. This is the customer service I get as a loyal customer for over 20 years? 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief