Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I dont have the exact dates in front of me but they are all noted on my account with the 15-20 times Ive attempted to resolve the issue with discover card. I had a long running account with them and my bank was bought out and switched hands. At that time my direct payment did not go through because of insufficient funds. I became aware of it but the bank was closed to switch computer systems over under its new owners. I called about the problem after getting a notice of a late payment the following month again. At that time I was told the direct deposit had been removed and I would have to sign up again for it and add it to the account. I paid the amount and added the direct payment back in. From there Im not sure if it cycled around the same issue for 2 or 3 different statement periods but at some point one of the agents I had on the phone change my direct deposit to a minimum payment only. For 6 months or so I was unaware that the balance on the card was not being paid off each month and the interest and amount grew with fees. Not only did the rate change but they never notified me until at some point I called to find out what happened even I believe I got a letter in the mail as my first notice from them. At that point they offered me a discount on 2 of the 6 months as the only thing customer service could do for me. After my regularly request for an account manager for someone that had the ability to correct the issue they finally investigated and said that I requested them to do so and they would not make any changes to what was owed. I believe that was at around 9 months of this going on. I would get phone calls from the service center in Arizona and they would hang up. I would call back and get the same routine of starting all over with the entire chain of events only to be told now they will go back 2 months on the last 9 month. Then 2 months for the year. I believe I realized then that they were taking the minimum payment from my account for the whole time, I tried disputing the charges but was told I cant dispute their fees or added interest only charges on the card. I at that time removed the payment from the card for the minimum payment and told them if they wanted the amount paid in full we needed to go back to where this all started from their changes to my terms that I did not want and figure out a number that was fair from that point they didnt have anyone contact me. I would hear from them every 3 months or so but the same old start from the beginning routine and someone will get back to you. I just received an attorney letter saying they will file in court if I dont respond so I called and did the start from the beginning part. This time they said no one contacted me because they were told to not contact the number and I didnt want to receive phone calls from them anymore. The number they gave as the number they were calling was not my number so my guess is who ever it was told them to Stop calling. When that was they XXXX know. They offered me a XXXX credit to pay the now XXXX balance that I believe started at around XXXX but again have no documents or access to ny account to even check. I requested the records to figure out what the payment would be if they had handled any of my initial requests and come up with a fair amount but swapped over for an incoming phone call and when I came back to the line they hung up. I am now contact you.

Company response to consumer: Closed with non-monetary relief