Discover Credit Card Complaint

Discover Credit card department,

Late fee Minnesota

The bill for my Discover card clearly stated that my payment was due - -, 2015 ( see the attached ). On - -, 2015 at approximately - - Central time, I called the customer service # ( - ) and used the automated system to enter my account #, the payment info, and my checking account information. The confirmation message said that the payment would post on - - ''. Since the payment was due on the - and I paid it on the -, I was concerned. I managed to connect to a customer service representative ( CSR ), who said I was supposed to have done the payment before - EASTERN time. I pointed out to the CSR that this part of the deadline does NOT appear anywhere on the statement! She said their policy is to waive the late fee, and to remove the trigger that would cause my interest rate to increase, but ONLY because I questioned it immediately. - issues of


Payment Due Date - -, 2015 '' and Late Payment Warning : If we do not receive your minimum payment by the date listed above .... ''. But they do NOT tell customers that it 's only - - Eastern time on that date!!! ( see the attached copy of the statement I received ) 2. Is it LEGAL for them to then charge late fees and impose increased interest, because customers fail to complain about the SECRET CUTOFF TIME? It seems to me that this falls under the heading of things like bait and switch '' and certainly goes against the intent of the consumer protection act.