Discover Credit Card Complaint

Discover Credit card department,

Forbearance / Workout plans New Jersey

Once before I had called Discover to have them lower my interest rates and was told that they can lower the rate to 13 % and as a result, my account will be put in a suspension status for a year and so I took the offer. I have my account setup for automatic debit for the last few years so I have an excellent record of paying my bill on time with them. A year passed and they removed the suspension and the 19 % apr returned. I once again took advantage of this offer again last year, it will expire in about a 2 weeks so I called Discover and asked them if I can be dropped early without any penalties, because I needed to use my card to make a large purchase. I was told that it should n't be a problem and I should be able to use my card. I tried to use my card but it kept getting declined so I called Discover to find out why it was being declined and was told that it is still suspended. I was also told that it will remain suspended until it is goes for review. I thought that once the offer expired my account will return to the way it was previously. Now I was n't told about this but of course they send everything in writing. I guess I am a little upset that these credit card companies have so much power and control to withhold credit just because I tried to get them to lower the large apr on my account. Not only that, they have easy access to my credit reports which I am starting to be suspicious of now. I would like to know if that is allowed and what can I do to remove my information from Credit Reporting Agencies completely.