Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

I spoke with a Discover representative on XX/XX/2018 to notify them to cancel a payment arrangement of {$180.00} to be debited on XX/XX/18. I advised the representative I would not be able to make the payment and repeatedly stated i did not know when I could male the payment. I asked several time to confirm the payment arrangement had been cancelled. The representative finally confirmed the payment arrangement had been cancelled. The representative kept trying to persuade me to agree to a future payment arrangement, I declined, I ended the conversation without confirming and or agreeing to future payment arrangements. I then logged into the Discover mobile app and removed my bank account routing and account number to avoid any attempts at submitting a debit from my bank account. 
On XX/XX/18 I received a text message from Discover thanking me for my payment of {$180.00} and I immediately called Discover Card to discuss the payment I had not committed to. I spoke with representative who state that a confirmed payment arrangement was noted to my Discover account. I requested to speak with a supervisor and was transferred to another representative. I explained the situation and requested the supervisor review the recorded conversation on XX/XX/18 to confirm I had not made a payment arrangerment but called in to cancel a payment arrangement. The supervisor stated she would review the recording and call me back within 24-48 hours. She then asked over and over again for payment arrangements and I refused stating I did not have any funds and understood it would be reported to the credit bureua. The representative asked why I have not been paying on my account and I replied I am a Hurricane Harvey victim and have been trying for the last year to keep up all bills and take care of my family but now it has become too much to handle. She badgered me for arrangements over and over again and I refused and ended the call. I then called my bank to advising the of the fraudulent debit and was told it had not posted on my account and would have to wait until it was posted to dispute the charge. 
On XX/XX/18 the charge posted to my bank account and the item was returned for insufficient funds. 
On XX/XX/18 I called Discover and spoke with a representative about the charge and explained I was returning a phone about a disputed payment arrangement and a return check fee of {$29.00} on my bank account. The representative stated the return check fee would be credited to my account and I requested a confirmation number to the adjsutment. The representative stated he did not have a confirmation number the returned check fee was credit. The representative asked why I have not been paying on my account and I replied I am a Hurricane Harvey victim and have been trying for the last year to keep up all bills and take care of myself and family but now it has become too much to handle. The representative asked for payment arrangements on the account and I refused. I repeated 3 times without interruption from the representative " I will not make payment arrangements on this account at XXXX XXXX on XX/XX/2018 ''. The representative asked me when did I get paid and I told him it was none of his business. He then stated I had to make payment arrangements on the account. My repley this time was I know you are following a script and I am not trying to be rude to you, I do not know when I can make a payment, I do not have any money in my bank account, and I know it will be reported to the credit bureau. I asked the representative again if the returned check fee was credited to my account and if the {$180.00} would be submitted again to my bank. The representative stated my account was credited and the {$180.00} would not be submitted again. The representative asked again and when did I get paid and I agin stated that was not his business. He insisted that I make a payment arrangement and again I declined and ended the call. 
Later that day the {$180.00} was sent to my bank and returned for insufficient funds.