Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
I spoke with a representative from Discover Wednesday XX/XX/XXXX at XXXXXXXX XXXX. I asked the representative if I could make a partial payment on the account. I was told the account will still go to collections because I would not be making the full minimum amount. I was also told that I was not eligible for another program because I just completed a 6 months financial hardship program. A representative from Discover called Tuesday XX/XX/XXXX at XXXXXXXX XXXX. I told the representative that my only form of income is Social Security Benefits and I could pay {$50.00}. He told me to check back monthly to see if any new payment arrangements were available because the payment arrangements are AI generated based on the status of the account. He also said that if no options became available then there will definitely be payment arrangement options once the account becomes 6 months past due. Received an email from Discover XX/XX/XXXX at XXXX XXXX stating to contact a representative regarding the past due amount. Another representative from Discover called Wednesday XX/XX/XXXX at XXXX XXXX I told her that I had spoken with a representative on XX/XX/XXXX. I explained the options he had given me. Her response was she didn't know why he told me that because at 6 months the account would be charged off. I told her once again that my only form of income is Social Security Benefits and that I could pay $ XXXX.She would not accept that. I received an email from Discover XX/XX/XXXX at XXXX stating to contact a representative regarding the past due amount. XX/XX/XXXX at XXXXXXXX XXXX. I received a call from a representative from Discover she did not state the call was an attempt to collect a debt. I told her that I had spoken with a representative on XX/XX/XXXX. I told her that my only form of income is Social Security Benefits. I asked about the 60/60 plan where I would only pay 60 % of the debt over 60 months she said that she had never heard of that plan and she had been there 20 years. She then asked me to develop a hobby to generate side money. She said that I could make extra money by delivering groceries XXXX XXXXXXXX. I told her that I don't own a car and I'm XXXX and do n't drive. She then told me about a person who made earrings for someone as a XXXX gift and was able to start selling the jewelry that she made to make money. She then described how another person developed a business out of putting wood together to build things and he later had to hire 7 people because his business grew so fast. She then described how another person started baking bread and started a business by riding their bikes or walking to deliver the bread to the people who ordered it. She also said that she would enter that I'm not willing to pay the debt into the computer. Which is absolutely not true I told her that I have been trying to pay by asking for other options but no one at Discover has been willing to help me.

Company response to consumer: Closed with explanation