Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

I was erroneously set up for automatics payments, by Discover card, without my consent. On XX/XX/2021 when I went to pay the full balance as I did in XXXX and XXXX, I was automatically charged the minimum due without my knowledge so I overpaid my bill by the minimum payment. I realized this when I checked my statement and saw a negative credit charge which I was told was because I overpaid and I was still not informed that I was set up for automatic payment. On XX/XX/2021 I went and paid my full bill of XXXX XXXX I only have enough funds in my account to pay my credit card bill each month. I was erroneously charged the minimum balance due of XXXX XXXX I was not informed I was being charged this amount so when my actual payment of XXXX $ went through I did not have enough funds to pay it so it was returned. I received a notification from Discover through the app and email on XX/XX/2021 at XXXX XXXX indicating that my payment of XXXX $ was received. Because Discover withdrew the XXXX $ without my knowledge I was charged XXXX $ overdraw fee from my bank. Discover then re-withdrew XXXX $ again, without my knowledge, which was returned again so I was charged another XXXX $ return payment fee by Discover and another XXXX $ from my bank. I was unaware of any of this. I checked my statement after purchasing an item on XX/XX/XXXX at around XXXXXXXX XXXX. When I checked my statement I saw a XXXX $ fee and that I was recharged XXXX XXXX I called Discover card at XXXX XXXX and the call lasted 16 minutes. While on the call I was transferred to different agents 4 times. No one gave me their name or explained to me what happened with my payment. I was told I did not pay my bill and was recharged. I asked why I was not informed of this payment not going through the first time and why I had to find out after two attempts and 4 extra fees from Discover and my bank. The last woman I spoke to notified me that " this was a business call '' when I became upset because XXXX $ of my hard earned money has now disappeared. I was to call my bank and figure it out so I hung up and tried again the next day. On XX/XX/2021 at XXXX XXXX I called discover card again and explained the situation and asked what happened. I was informed that I was set up for automatic payment which is a self serviced. ( I never set that up I do not even know how to so that right there is fraud ). I was told that I did not have enough funds to pay so it was returned and I was charged the XXXX $ which occurred twice. I asked the woman why I was not notified and she told me it is not Discover cards responsibility to notify the person of returned payment or fees charged because of it. I then asked where my money went since it was not returned to my bank account and was directed to call my bank. The lady reversed XXXX XXXX $ returned payment fee but would not reverse the other and was rude on the phone. The phone call lasted 10 minutes. When I called my bank and explained the situation they told me they could not do anything and it was a matter with Discover and I needed to call them. I told my bank I did call Discover multiple times and they informed me the inly thing they can do is stop any future transactions with Discover and have them approved by me. I then asked where the XXXX $ went and they said it was taken out to pay discover and I need to call them about that too. My bank gave me back one XXXX $ overdraw fee but refused to give me back the second and told me to ask Discover for it back. I am not out XXXX $ in fees and am not sure where my payment of XXXX $ went and where that money was returned to. I am very frustrated because I work very hard for my money and I do not miss payments. I refuse to pay these erroneous fees because this mess up was solely on Discover card.