Credit card -- Fees or interest -- Complaint #13708254
Complaint Overview
Complaint ID: 13708254
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Armed Forces Europe
ZIP Code: XXXXX
Date Received: 2025-05-25T12:00:00-05:00
Date Sent to Company: 2025-05-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am an XXXX XXXX service member and a Louisiana resident. I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval. I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. Reference : Louisiana Revised Statute RS 29:312 Link XXXX XXXX XXXX XXXX XXXX I have uploaded two documents. " XXXX XXXX XXXX '' shows that I enlisted as a resident of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX. These orders will also have my spouse, XXXX XXXX, on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service. ''
Frequently Asked Questions
What is Complaint #13708254 about?
Complaint #13708254 was filed against Discover Bank regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-05-25T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.