Credit card -- Struggling to pay your bill -- Complaint #8247518
Complaint Overview
Complaint ID: 8247518
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: Florida
ZIP Code: 32751
Date Received: 2024-01-29T12:00:00-05:00
Date Sent to Company: 2024-01-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discover 's collections representatives continue to deny my experiences, which I know to be true, recorded, and have a witness to. Discover lied many times about not charging off accounts during previous calls, leading me to pay {$9000.00} on a closed account, with an estimated {$11000.00} balance, based on these lies. Now, I find out I could have saved much more had Discover truthfully informed me of their settlement practices. Discover continues to harass me for the {$2100.00} balance without offering a manageable settlement. This debt results from Discover 's unethical practice of preying on XXXX XXXX, and Discover continues to show its lack of ethics by lying to consumers. Moreover, Discover erroneously reports my account 's closing date to credit bureaus, stating it as " XX/XX/XXXX, '' when it was closed in XXXX of XXXX. I have disputed this and it has still not been corrected. I have requested Discover correct my reporting and write off this account, forgiving the current balance. Discover consistently responds by saying the debt is valid and there are no settlement offers. In the most recent response, Discover denied all previous phone calls and information provided.
Frequently Asked Questions
What is Complaint #8247518 about?
Complaint #8247518 was filed against Discover Bank regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-01-29T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-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.