Consumer complaint received 2017-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NC)

Had an agreement with Discover bank to make three payments and the account would be brought current. Made first two payments with no issues. theXX/XX/XXXXpayment became an issue. Discover never attempted to take the funds from the account until XX/XX/XXXX on which I informed them they had spent to long and I could no longer hold the funds in my account waiting for them to pull the funds. They stated that I put a stop payment on the check and that they would discredit the agreement and I would have to start payments all over again. I told them this is not true I put stop payment against a check with a company called XXXX XXXX XXXX.
See copied email message between me and bank below about stop payment. Date/Time and company and check number are all listed in it.
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Date : XX/XX/XXXX Subject : RE : Stop Payment Check From : XXXX XXXX Dear Member, We have received and processed your request for a stop payment. Please allow at least 1 business day for this stop payment to be effective. Please adjust your records to reflect the {$8.00} stop payment fee. Requests received after XXXX XXXX and on weekends or holidays are effective the following business day. Please read the following terms you have accepted by submitting this stop payment : I understand that this stop payment is valid for 12 months. The Credit Union can not honor this request if the item ( s ) described above are accepted on the current processing date.
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If you have any further questions or concerns, please send us a reply, contact your local branch or call As always, thank you for your continued support of your credit union.
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-- - Original Message -- - Sent :XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX Subject : Stop Payment Check Stop Payment : Type of Stop Payment : Single check Account : Checking - ( XXXX ) Payable To : XXXX XXXX XXXX Check Number : XXXX  Amount : XXXX Date Written : XX/XX/XXXX Submitted by XX/XX/XXXX Member : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As you can see I did n't place any request for a stop payment until the XXXX that evening. 3 business days after the Discover card payment. The company name was XXXX XXXX XXXX and the request was approved on XX/XX/XXXX. No other stop payments where made. This issue that happened was discover bank issue check numbers that I was unaware of to XXXX for payment. I as you can see in the request used checks with the book 1-20. Discover last two payments requested checks with numbers XXXX and XXXX My bank started to feel it was odd that check seem to be being re-used. Discover never asked a check number they should start with and therefore cause my bank to question transaction that had the same check numbers but different companies. When I tried to explain to Discover that this seem to be an issue caused by them. 1 ) assigning check numbers without checking with me to see if those checks were in use or not and 2 ) taking a week to process and withdraw funds from the account they denied any error on their part although it seems clear to me. I present this along with differences in checks looks to CFPB. I have offered to make a payment on XX/XX/XXXXof the agreed {$50.00} if it will continue the agreement and bring the account current.