Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had two Discover credit cards for many years, a major one and a minor one. When the company was sold to XXXX XXXXXXXX, I closed both accounts because I'd had bad experiences with XXXX XXXXXXXX ( the reason I went with Discover, instead ) I was required to call in person to close the two accounts, which I did on XX/XX/XXXX. I also paid off both accounts in full, then I waited for three weeks to pay off any residual payments that may have dropped through the cracks. 

On XX/XX/XXXX I paid {$0.00} to " XXXX XXXX  '' the minor account, and {$18.00} to " XXXX XXXX '' the major account. 

I would receive paper mail from Discover in the coming months, but I figured it was promotional material and I threw it away. ( I was a paperless customer, and all previous " payment due '' communications had been sent to my email account. I received no further emails from Discover ) I received another paper mailing on XX/XX/XXXX and I opened it, because it said " statement enclosed '' on the outside. The statement said I owed {$220.00} ( mostly compounded late fees ) on the old major account. 

I telephoned and spoke to XXXX, a manager in billing. Mainly, I wanted to know the DATE the account was closed and then the DATE of the transaction that was the source of all the " payment overdue '' demands, since it seemed clear this was a mistake. I had to ask for this information three times, and finally she left for a time, then told me the account was closed XX/XX/XXXX, but there was a " {$60.00} fee '' that hadn't been paid, and that it was the source of the problem. 

I explained to XXXX that I was surprised to hear this, as I had waited three weeks to make a second payment to make certain I would pay-off any residual amounts owing. XXXX said THERE WAS NO RECORD OF ANY PAYMENT AFTER THE DATE THE ACCOUNTS WERE CLOSED. 

I told her I would check my bank records, and call back, which I did. I spoke to XXXX, another manager in billing. I explained the situation ( and she had XXXX 's notes ). I told her my XXXX XXXX checking account showed I paid the any residual amounts owing on XXXX, and at that time the account showed no other amounts owing. ( Remember, when I made the final payments the accounts had been closed for XXXX weeks ) XXXX said she saw my {$18.00} payment on XX/XX/XXXX ( DIRECTLY CONTRADICTING XXXX ) but that the payment had been charged to the minor account, not the major one. ( Each account had a separate webpage for payments ; I can assure you that this did not happen, since the website tells you the amount owing and you press the button to " pay '' whatever it tells you -- you don't type in anything. ) XXXX also said that " XXXX '' had charged for an item, and that was the unpaid charge. ( The date she offered for the charge was in early XXXX, before the account was closed, and FOUR WEEKS before my final payment. ) I explained that this seemed implausible, but I paid the {$220.00} I supposedly owed in any event. 
I think this may be a scam to squeeze another payment out of a consumer who'd closed their account, and in particular, I am concerned that the two managers contradicted each other, and no attempt was made to contact me through the usual email.

Company response to consumer: Closed with explanation