Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: TX

Complaint narrative:
Key Issues Requiring Immediate Attention XXXX ) Discover failed to respond to written requests/disputes within legally required timeframes. I submitted several written disputes and requests ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Discover did not acknowledge or resolve these within the XXXX and XXXX timelines required under the Credit Card Accountability Responsibility and XXXX XXXX of XXXX. My questions and disputes remain unaddressed and unresolved. With the exception of sending a stack of bill copies, Discover has provided no responses in answer to my questions, disputes and offers. 
XXXX ) My balance continued to increase despite over {$22000.00} in payments. From XXXX : Charges : {$34000.00} ; Payments : {$22000.00} ; excessive interest/fees charged : {$21000.00} ; Discover still claims I owe {$34000.00}. Discover ignored/did not respond to my disputes as required by the Consumer Financial Protection Bureau and the Fair Credit Billing Act. 
XXXX ) Discover ignored my XX/XX/XXXX proposal, XXXX followup as well as XXXX repeat of my offer to : reset balance to {$17000.00} ; with XXXX  monthly payments of {$870.00}. In addition, Discover did not provide a counteroffer or resolution options. I was not a customer refusing to pay a loan. I was a customer who disagreed with the amount due and addressed my disagreement with questions, disputes and offers. I remain a customer being ignored with no offers of resolution. 
XXXX ) Upon Discover notice to make a payment to avoid referral to an attorney, I responded within the timeframe and made a payment of {$870.00} according to the payment plan offer I had made in XX/XX/XXXX. Per my bank records, Discover cashed my {$870.00} check on XX/XX/XXXX but apparently never applied it to my Discover account as balance has not reduced by that amount between XX/XX/XXXX and XX/XX/XXXX. My understanding is XXXX  law requires payments must be credited on the day of receipt with processing/posting taking XXXX business days. It has been XXXX  months and I do not see where my funds have been applied. 
XXXX ) The {$870.00} was included with my clear restatement of my payment plan offer originally from XX/XX/XXXX. I stated my intent for the {$870.00} payment was the XXXX  of XXXX  monthly payments per my payment plan offer. Per Accord and Satisfaction, the act of Discover cashing my check was acceptance of my payment plan offer. Prior to XX/XX/XXXX, I was open to any counteroffers Discover would have responded with. There were no offers or responses. In my mind, my offer stands. 
XXXX ) Discover made the improper attorney referral XXXX XXXX XXXX XXXX XXXX. ) as indicated by letter dated XX/XX/XXXX, after cashing my payment, not giving me credit for payment and without resolving disputes/questions/requests/offers. 
XXXX ) In my XXXX response to XXXX XXXX XXXX XXXX representing Discover, I restated my payment plan offer, my {$870.00} cashed check represented my XXXX  monthly payment, Discovers plan acceptance per Accord and Satisfaction, and requested payment remittance information for the remaining XXXX payments. I did not receive the payment remittance information I requested. 
XXXX ) On XXXX XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating Discover ( merged with XXXX  XXXX in XX/XX/XXXX ) had given permission to file a lawsuit against me and to avoid the lawsuit I needed to make a payment arrangement. My payment plan from XX/XX/XXXX was not mentioned. At this point, I do not feel comfortable responding to the attorney as I believe that because they ignored my repeated payment offer, also did not address the open issues/disputes, and did not provide payment remittance information they too are engaging in unethical business practices. I fear entrapment. 

Requested Executive Actions Immediate application of the {$870.00} payment to my account. 
Complete written explanation of excessive interest payment allocation ( XXXX ). 
Written response acknowledging acceptance of my XX/XX/XXXX proposal along with remittance information for the remaining XXXX  monthly payments. 
Correction of my account balance based on fair allocation as stated in my XX/XX/XXXX payment offer. 
Immediate halt to further collection activity and lawsuit threats. 
Reversal/removal of all derogatory data Discover et al has applied to my credit reports.

Company response to consumer: Closed with explanation