Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am in a debt settlement program that negotiates lower amounts with creditors to settle the debt owed. XXXX of my debts is with Discover Bank. The debt settlement company had been trying to negotiate a settlement with Discover, when I was served with papers that I had been sued and had to appear at the Magistrates office on XX/XX/XXXX. I notified the debt settlement company who reached out to Discover to try and work something out before i had to go to court. The morning of the hearing, i was contacted by the settlement company who had reached a settlement with Discover. We accepted the terms, which was a settlement of {$3900.00}, first payment in XXXX of {$570.00} and it will be paid off by XX/XX/XXXX. 

I was told to still show up for the hearing, which I did. The attorney for Discover, was late by an hour and the judgment ruled in my favor. I sat down with the attorney and explained that we had already had come to a settlement which her firm did not tell her. I gave her all the specifics. 

A week later I received a letter in the mail from the Attorney 's office for Discover XXXX, XXXX XXXX XXXX with the terms of the negotiation and the acceptance of the settlement. 

In XXXX, i received a phone call from XXXX, XXXX XXXX XXXX, calling to discuss payment of my debt in full. I had told them that my debt settlement company had already negotiated a settlement with them and Discover, that we were making monthly payments. He had told me he couldn't talk to me anymore since i was working with a debt settlement company and had asked me to have them call him, which i did and they did. 

XX/XX/XXXX, i received a notice in the mail that XXXX XXXX and XXXX were appealing the Magistrate 's judgment XX/XX/XXXX, I received XXXX large envelopes in the mail XXXX from the court and XXXX from XXXX, XXXX and XXXX, that they were suing me for the full amount and that i had XXXX days to answer to the complaint, otherwise a default judgement would be filed against me. 

I filed my answer and new matter on XX/XX/XXXX, well within the XXXX days, the court scheduled a hearing date for XXXX XXXX, XXXX, which by then the debt will be paid in full. 

Today XXXX, i received in the mail from XXXX, XXXX and XXXX a letter dated XX/XX/XXXX telling me that I am in default because i have filed to enter a written appearance personally or by an attorney and file in writing with the court my defense or objections to the claims set forth against me, That i have XXXX days or a judgment will be entered against me and i will lose my property and my rights. 

This is beyond harassment. They settled with me and they are getting their payments, why sue me and go back on our written settlement. Also, they know i have a been working with a company who has a legal counsel who has been assisting me so they are not to be contacting me directly. This company has caused me nothing but anxiety and grief.

Company response to consumer: Closed with non-monetary relief