Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MS

Complaint narrative:
Complaint against DISCOVER BANK In XXXX of XXXX, I enrolled in a debt resolution company called XXXX XXXX. They enrolled XXXX of my creditors ( XXXX of whom was DISCOVER BANK ) into their program to negotiate my debt down so that I could afford to make payments. XXXX XXXX uses a special purpose account that is created for their clients to pay off their clients creditors. The clients of XXXX XXXX pay a bi-weekly fixed rate into this account. During the year of XXXX, it appeared that XXXX XXXX tried to contact DISCOVER BANK, but did not have success. I am unable to give exact dates as I do not have access to the actual contact attempts between XXXX XXXX and DISCOVER BANK according to a XXXX XXXX Employee. In XXXX of XXXX, DISCOVER BANK served me papers for the debt I owed that was enrolled with Beyond Finance ( {$6000.00} ). I kept Beyond Finance up-to-date with legal documents and proceedings, filed my answer with the court, but DISCOVER BANK still wouldnt work with XXXX XXXX. I went to the court hearing on XX/XX/XXXX to meet with DISCOVER BANKs attorney in front of the judge. As I did not have the {$6000.00} to pay, the attorney offered me a negotiated amount of {$4000.00} to pay DISCOVER BANK, and that we would tell the judge that she and I came to an agreement on our own terms and to proceed with the judgment. When we agreed to our terms I explained that the {$4000.00} would come from my XXXX XXXX special purpose account since DISCOVER BANK is enrolled as XXXX of my accounts. This conversation and the paperwork I signed with XXXX XXXX, attorney for DISCOVER BANK with XXXX XXXX  XXXX out of XXXX, Alabama all took place in the XXXX County Courthouse in XXXX XXXX, Mississippi on the XXXX of XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX  contacted me with a resolution offer from DISCOVER BANK for $ XXXX not the {$4000.00} their attorney and I agreed on. DISCOVER BANK has refused negotiations for months with XXXX XXXX and is now behaving as if they never took me to court. They demanded their {$5900.00} by next XXXX ( 11 months from now ), which is resulting in my biweekly payments with XXXX XXXX going from $ XXXX/2 weeks to $ XXXX2 weeks- or $ XXXX {$1600.00} a month. DISCOVER BANK completely went bank on legal papers drawn up by their own attorney. They harassed me over a course of 5 months ( XXXX XXXX ), causing me to physically lose weight and have physical illnesses- they were requiring me to resubmit XXXX form XXXX separate times because they didnt like how I signed it even though my full social security number and address were on every single form, and every form was signed with my legal name. As a result of this predatory behavior I have been experiencing these last few months, I feel it is more than reasonable to file a complaint against DISCOVER BANK for their harassment of a customer who has ACTIVELY been trying to pay their debt despite constant opposition from DISCOVER BANK themselves.

Company response to consumer: Closed with explanation