Discover Credit Card Complaint

Discover Credit card department,

Delinquent account California

I was sued by Discover Card ( DC ) for over $14000.00 on -/-/-. The balance limit was $11000.00, and the interest rate went from zero % to 29.99 %. I did n't owe $14000.00 nor anything near that amount. However, my husband was ill from - on so I could only pay the minimum payments and when I was short on $ for his medicines ; food ; and gas ; I would occasionally pay by credit card. The interest rate kept rising and the balance was n't getting smaller. I kept telling them my situation and that I was the only - working and to please reduce my rate but DC refused. I finally had to stop making payments in - so that I could pay for my husband 's medical bills. While trying to figure out how to fight the lawsuit, I - - " lawsuits against Discover Card '' and found the Joint Consent Order Docket # - ; FDIC - & - -. I read how DC was supposed to automatically refund their customers for the " safety products


products '' but they never did. Finally, when they posted that last -, it put me over the limit, then they charged me an over the limit fees! Early on, DC also habitually charged late fees of $39.00 even when I was n't late. I realize that they were doing this until after about a year of helping my mother-in-law when she passed away from -. I called DC many times during my lunch break to have the late fees reimbursed. The refused. Finally, they removed 1 months worth but refused to go back to the prior year. I asked for copies of my statements that were blocked from me by DC and asked them to go back as far as -. They went back to - but some of the months were missing, so I still do n't know how much more they owe me. Also, every time I filed papers in court I had to pay fees ( I did n't have a lawyer because I am a widow since -/-/- and am on a limited income ). The judge did tell me that DC had the burden of proof to show the court that I owed $14000.00. The court date was scheduled for -/-/-. A week before the court date, their attorney tried to get me to sign an agreement that I would n't sue DC and not to tell anyone about the agreement, etc. I asked if DC would improve my credit report because my credit was in the toilet but their attorney was n't very encouraging. The more I thought about it, the more upset I was getting. So I contacted their attorney and told them : " DC could n't follow a Federal Court order, why would you think that they follow an agreement signed by me? I will see you in court! '' ( I did n't sign it. ) The day before the court date, their attorney e-mailed that they were dropping all charges against me and were cancelling the court date. I believe they owe me for all the safety products that I did n't ask for $550.00 - could be more since some statements were missing ; late fees ( approximately a year worth= $460.00 ) ; over the limit fees $110.00 which was their own fault for charging the fees in the first place ; all the court fees I paid = $550.00 ; not to mention the toner, postage ; paper ; and for pain and suffering for this year of - that I went through - I would say whatever the maximum the court allows $2500.00 - $5000.00. They never did send me the application I signed, because if they had I am pretty sure that it did not say that " someday DC will charge you 29.99 % ''. Because if it had, I would have ran straight to the shredder! I never did have my way in court so that the judge could rule in my favor! They sued me for $14000.00 but the statements did n't show the charges! DC expected me to pay them for the next 47 years minimum payments of $300.00 which would come to $160000.00!