Discover Credit Card Complaint

Discover Credit card department,

APR or interest rate Nevada

In - of 2015, I did a transfer fee to my Discover Cards in the amount of $3300.00 to consolidaye my debt. I opted for the 0 % APR with a $99.00 transfer fee. However, I was then being charged a " Minimum Finance Fee '' of $0.00 per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently $1500.00. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?