Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
Greetings XXXX, Executive Officer of Customer Advocacy, additional Discover Team Members and CFPB. 

This will be my last attempt to rectify the charge off situation before I proceed in moving forward legally against Discover. 

In this matter, I will be providing detail regarding my account that was charged off in XXXX of XXXX, totaling {$6600.00}. 

In my agreement with Discover that was made in XXXX of XXXX, Discover notes that minimum payments must be made by the payment due date shown on each billing statement. The minimum payment due will be any past due amount plus the greater of : {$35.00} ; or 2 % of the new balance shown in billing statement ; or {$20.00}, plus any of the following charges shown on billing statement : fees for any debt protection product enrolled on or after XX/XX/XXXX ; Interest charges ; and late fees, which means there are only 3 ways a minimum payment can be produced for each billing period, respectively. 

With the nature of this complaint being that my account is charged off due to " outstanding and unpaid debts '', it is important to pay attention to the accuracy of amounts " owed '' in that, a charge off is produced from a multitude of missed payments month over month, with missed payments being missed minimum payments in this case. 

However, In the bundles of documentation that I have directly from Discover, there is an extreme amount of inaccuracy, for years, in fact, that were overlooked for years. Inaccuracies that I have consistently asked discover to look into on 4 separate occasions since XXXX, this complaint being the 5th, where none of my 4 complaints have been resolved or at the very least, properly addressed. 

To prove Discover 's year over year inaccuracies, I will submit one month 's interest and minimum payment calculations that will clearly prove that Discover has maintained to further incorrectly calculate debts that they claim I owe to this day. Inaccuracies that discover has charged based on false interest calculations, and inflated minimum payments due, which is very important here, in that, an inflated minimum payment can easily cause for a missed payment further domino effecting into what we now have as a charge off, which is exactly what happened here. 

Amongst almost all of the incorrectly calculated minimum payments and false interest charges that Discover has billed me, I will include evidence dating back to XXXX of XXXX to prove that Discover can not say that they are 100 % accurate. They are NOT. And they have insisted that my claims to them are to continue being written off. 

XX/XX/XXXX to XX/XX/XXXX, I held a previous balance of {$5300.00} as of XX/XX/XXXX where on XX/XX/XXXX I made a payment of {$250.00}, well exceeding the minimum payment due. My total charges for that month were {$100.00} bringing my total possible balance all inclusive of any current interest charges, calculated by : {$5300.00} - ( {$250.00} ) = $ XXXX XXXX = {$5200.00}. 

Additionally, for this same period, XX/XX/XXXX - XX/XX/XXXX, Discover notes that they charged me Interest of {$97.00} bringing my new balance to {$5300.00} ( {$5200.00} + {$97.00} ). 

On the very next page of my billing statement, Discover notes this {$97.00} Interest charge Included in my new balance of {$5300.00} was calculated based on {$5300.00} with an APR of 21.24 %. 

Not only does an APR of 21.24 % on {$5300.00} not equal {$97.00} but more importantly, the number {$5300.00} never existed. That is a fake number that has no valid, clear, or displayed evidence of where It derives from. Discover clearly charged me interest based on a fake number. That is illegal. 

As of XX/XX/XXXX with my due date being XX/XX/XXXX, the minimum payment, inclusive of all current debts up until that point was {$110.00}, based from {$5300.00}, incorrect by {$12.00}. If the {$5300.00} were correct, my minimum payment, based on Discover 's agreement should have been 2 % of my total balance = {$100.00}. A clear violation of their own policy. A clear error dating back to 2 years prior to my charge off. 

Moving forward, a {$12.00} error is a prime example of how small errors prove to be very severe to a consumer. A mistake that clearly, Discover does not care to fix or ackowledge. That same {$12.00} error, If I would not have been able to make my payment for that month, would have been marked as a missed payment, further contributing to a possible charge off, in that, charge offs stem from multiple missed payments. A " missed payment '' that does NOT factor in a missed calculation. That is not fair or righteous in any way. If this happened in XXXX, please imagine the infinite amount of miscalculations that Discover has made moving forward in XXXX, and XXXX. Plentiful. Endless errors that my charge off is based from ; however, after 4 attempts to rectify, discover has insisted that their calculations are 100 % correct. They are not. Period.

These are examples of one month of discover 's inaccuracies that they claim are not present. They have had these inaccuracies consistently on my billing statement for years, which can easily be proved with the documents that have sent me themselves. Dating back to the inception of my account, on months where I paid more than the minimum payment due and no additional charges in the current billing period, discover did not decrease, keep my minimum payment the same or at least make it an accurate minimum payment based on their terms and agreement of 2 % or {$35.00}, listed above. Yet, in my most recent billing statements before the charge off occurred, my minimum balance payment increased tremendously for payments being missed, noting Discover 's lack of fair treatment to its customers. And even still, their minimum payment calculation equation was not upheld, charging me otherwise than what is clearly outlined in the agreement. Dishonorable and deceitful as most credit companies are. If I miss a payment, the minimum payment increases. If I pay on time, the minimum payment or more than the minimum, my minimum payment for the next billing statement increases regardless. That is not honorable. 

Moving forward, in Discover 's terms and agreement, they note that interest is accrued daily ; however, they do not show the break down of how the daily interest accrued. They only show the balance that is subject to interest rate and calculate each respective month 's interest based on that number, which they provide no detail as to how that number came about. If Discover claims anything other than what's on paper, It is not true. Documentation beats conversation and they have never sent that proof as to how the numbers were calculated, if at all that calculation exists. 

Before attempting to negotiate anything, Discover needs to provide me with the process they used to produce the number {$5300.00} for XXXX of XXXX. And the process they used to calculate my interest continuously, based on numbers that were not yet in existence on my bill, moving forward from that date. 

Using this example to highlight inaccuracies across my billing statement on Discover 's part for years, there is no possible way for my new balance of {$5300.00} to have come about, inclusive of that months interest, based on a number greater than {$5300.00}. That is not valid. The number Discover calculated my interest based on, had not yet existed at the time, yet Discover calculated interest based on it and included the % of interest it was based on, to create my new balance of {$5300.00} for that month. That is not valid. That is deception. That is stealing. That is interest fraud. 

This is a prime example of what Discover has done to my account, charging me ghost interest charges, further being used to calculate my charge off, which I've insisted that discover look into for years. Years that they have continued to blow it off and not look into it at all. 

Considering that Discover has consistently ignored my requests to AT LEAST, look into the inaccuracies of my charge off, they have continuously responded that everything is accurate when it is very clear, it is not, violated their own terms and agreements but looked for me to abide and be held hostage by them : I am demanding an IMMEDIATE deletion of the full charge off ; {$3000.00} for statutory damages, {$37000.00} in personal damages for the personal loans, auto loans I've been denied of, additional fees I've had to pay to qualify for rental housing, due to a charge off delinquency being on my credit report, and distress ; {$50000.00} in punitive damages for your willful and continuous dismissals of FOUR CFPB complaints since XXXX of XXXX.

Company response to consumer: Closed with explanation