Consumer complaint received 2015-07-09
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Other

Complaint:
XXXX went into debt settlement program with XXXX Law Offices in XXXX, AZ and turned over two ( 2 ) DISCOVER accounts ( XXXX ) to XXXX Law Offices at a charge to us well over {$5000.00}. DISCOVER agreed to debt settlement however on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$15000.00} against my husband and on XXXX/XXXX/XXXX DISCOVER filed a judgment XXXX ( XXXX XXXX {$12000.00} against me. We did own a home at this time. XXXX Law Offices was telling us all along that all was going okay, not the case?! XXXX Law Offices instructed us on how to respond and we filed that response in the county we lived in at the time. DISCOVER and the FDIC had written us letters in this regard in XXXX and XXXX XXXX stating very clearly that no suits had ever been filed on either account and that the two XXXX 2 ) accounts were charged off in XXXX XXXX but that was a total LIE?! In XXXX and XXXX we experienced a job LAY OFF and we sold our home through " short sale '' to prevent foreclosure. At the time we were current in our mortgage payments however the mortgage companies refused to work with us. We sold off everything we owned to make ends meet and pay bills until we could find employment which was not easy with these two XXXX 2 XXXX judgments hanging over our heads?! We have been married XXXX XXXX years, I am XXXX ( XXXX ) and my husband is XXXX ( XXXX ) and we have never failed to pay our bills and we fully intended to pay these cards in debt settlement however we have since considered filing bankruptcy over the entire issue. We have contacted XXXX XXXX in the executive office of DISCOVER to date at XXXX XXXX XXXX but to no avail?! We live pay day to pay day. We will never own another home in our lifetime so DISCOVER can not attach that property. DISCOVER will end of with exactly zero XXXX -0- ) in all of this if they arenot willing to cooperate with us. We will not pay the balances shown as they are filled withadditional charges and fees that DISCOVER just added on because no one STOPS these lenders and banks from running over the Consumer?! They have XXXX attorneys who do nothing but make our lives miserable?! We have contacted these Attorneys to say that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile in an expedient manner we will never consider paying DISCOVER anything since they have been on our credit history and profile since XXXX and were done after DISCOVER agreed to the debt settlement program with XXXX Law Offices. We did file a complaint with the XXXX and we were refunded our {$5000.00} from XXXX Law Offices which was applied to bills and making ends meet. Allowing these lenders and banks to run over the Consumer is greatly unfair and needs to be STOPPED. We are still trying to come back from these job LAY OFFS and we pay our bills on time as we did before all of this happened to date but these two ( 2 ) DISCOVER judgments need to be dropped off completely without further delay so we can keep employment and pay our billsand if DISCOVER ever expects ANY funds from us we will not ever consider that unless these two ( 2 ) DISCOVER judgments are removed from our credit history and profile as they we done unfairly and without consideration for our financial situation at the time XXXX Law Offices filed them?! XXXX Law Offices was supposedly handling these two ( 2 ) DISCOVER accounts ( XXXX ) when these two ( 2 ) DISCOVER judgments were filed against us?! How can we pay bills without a job which is greatly jeopardized by these two ( 2 ) DISCOVER judgments hanging over our heads and if we have no employment DISCOVER still gets ZERO ( -0- )?! We are so sick and fed up with the way lenders and banks treat the Consumer and no one will make the effort to STOP itto date?! We had such good credit at one time we had too much credit but that has changed.

Company response to consumer: Closed with explanation