Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: KS

Complaint narrative:
I have been a Discover Card member since prior to XXXX. I was commissioned as an active-duty XXXX XXXX XXXX XX/XX/XXXX. I served on XXXX XXXX, with no breaks in service until XX/XX/XXXX. I was in the XXXX from XX/XX/XXXX until XX/XX/XXXX when I once again began XXXX XXXX with service until XX/XX/XXXX ( voluntary indefinite ). In XX/XX/XXXX, I noticed that Discover Card had been charging me 18 % + interest on my card. I called the bank to request XXXX benefits and uploaded a copy of my most recent XXXX XXXX orders to a portal they directed me to. Discover Card did not respond or update my account. I submitted a XXXX  request for XXXX benefits in XX/XX/XXXX. At that time, Discover did change my interest rate to 5.90 % ( interest can not exceed 6 % under XXXX ) but failed to correct my account balance by crediting it all of the excessive interest charges from XXXX XXXX XXXX  and then from XXXX XXXX. I called them to request the account correction, and they told me that they mailed me a check. I explained that I did not want a check, I wanted my account corrected by crediting me back my over interest payments ( my card currently has a balance of approximately {$4000.00} ). They refused to correct the balance of my account to credit me the excessive interest I had paid or accrued over many years and insisted on mailing a check. I never received a check. On XXXX XX/XX/XXXX, I called Discover Card again and requested that my account balance be corrected. At this time, they offer to mail me a check or direct deposit the amount into my checking account. I told them again- that the excessive interest was accruing more interest continuously for months as they intentionally delay correcting my account. They refused to correct my account and said that they would direct deposit the excessive interest charges and payments into my checking account. I never received a direct deposit, even though I verified my checking account and routing number with the representative multiple times. By refusing to correct the balance on my account, the excessive interest charges are now accruing 5.90 % interest at a compounding rate this also applies to every other time my account carried a balance throughout this more than XXXX year time period. This effectively causes my interest rate to exceed 6 % and does not correct my account balance by appropriately back-dating my interest rate to less than 6 % for all periods of XXXX XXXX service. This practice is deceptive and designed to keep the excessive interest charges accumulating interest. Discover Card needs to comply with the XXXX and adjust the interest rate on my credit card to less than 6 % for all periods of my service. I have never received a check nor a direct deposit into my checking account. I just want my credit card balance reduced by the appropriate amount from the date that I was eligible for the reduced interest rate. This will allow my account to be adjusted fairly and in accordance with federal law. My XXXX  benefits also extend until XXXX months after my XXXX term of XXXX XXXX service.

Company response to consumer: Closed with monetary relief