Discover Credit Card Complaint

Discover Credit card department,

Transaction issue Texas

When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says Payments made online or by phone must be edited or canceled by - - on the payment posting date for changes to take effect. . Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank $35.00 to stop payment. The information from my bank details this payment as Phone Pay '' The following is transcript of chat with representative : - : at --We submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. you : at --The web site says Payments made online or by phone must be edited or canceled by - - on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. - : at --Your payment was scheduled by a representative, not through the website. you : at --That does n't explain why you, a repersentative, ca n't cancel it. - : at --The payment has already been processed. Once processed, they can not be canceled.