Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX Copy of Letter sent to Discover Card Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX XXXX XXXX XX/XX/XXXX To whom it may concern. 


I have been in contact with Discover, twice for help with my financial hardship, once in XX/XX/XXXX and now XXXXXXXX XXXX XXXX. They will not help me and did not answer my letter. They are practicing deceptive business practices. 

I am XXXX XXXX XXXX XXXX XXXX XXXX in Florida, I am a XXXX XXXX XXXXr and a 22 year vXXXX of the XXXX XXXX  XXXX XXXX XXXXt, I am not well as I was diagnosed with a XXXX in XXXX of XXXX. My wife is XXXX, with many medical issues we live on a fixed budget of my pension and social security. 

My financial hardship began with my XXXX XXXX XXXX XXXXXXXX  in XXXXXXXX XXXX XXXXXXXX, we were flooded with excessive medical bills, along with a hurricane that caused flooding in my area of Florida. I always made my payments to Discover, however I needed to pay off the medical bills so I contacted Discover for help. 

We ascertained if it was possible for Discover to allow us to skip one months payment so we could use that payment for the medical bills, then pick up the payment in the following month at no penalty to us. Many other credit cards allowed this to give us some relief. 

I contacted Discover in XXXX of XXXX, they granted my request of the one month non payment, however I had to have the following months payment placed on auto withdrawal, which they did. When the following months payment arrived they removed the auto payment and also applied all the fees for not paying, the one month. My payment was then doubled the amount, which contained the no payment and the new month balance and all the late fees.This caused me extreme XXXX  and elevated my financial hardship. I can only pay around XXXX per month its all I have. Which was the monthly payment before this mess with Discover. I contacted Discover and they will do nothing, except increase my payments to XXXX to XXXX per month, to get all the interest paid down. They do not even acknowledge that they gave me one month non payment, they state they do not do this. However all of this was recorded on the written chat transcript which Discover has and will not release. I paid each month what I could. 


This year in XX/XX/XXXX I contacted Discover again by written chat for help. I made my XXXX payment XX/XX/XXXX, it was all we can afford. Discover had a plan for me to pay XXXX for XXXX, which only an XXXX dollar difference but is all I had, I had to cut back food. Then XXXX for XXXX, XXXX and the next 12 months. This would help. However when the final process was done, I had to pay XXXX plus late fees, and if I did not agree to this, immediately, the offer would be gone. We could not agree to this. We do not trust Discover. Also I made my payment on XXXX XXXX of XXXX, as of XX/XX/XXXX this amount has not been withdrawn from my bank account. However I am harassed by Discover by email constantly for payments, and threats of credit reporting. 

Discover is practicing unfair banking policies as indicated in this letter, and causing my wife distress and me as well. They communicate one policy and do another. As a veteran of XXXX this is a disgrace, my wifes health and my XXXX symptoms are affected. And all I asked for is help, to make payments. 

XXXX XXXX XXXX XXXX