SALT LKE CITY, UTAH -- Discover Card Legal Dept.
P. O Box 30421
Salt Lake City Utah 84130-0421
Attention: Supervisory of phone negotiations.
This letter is to inform you of questionable practices of phone negotiations which have possibly resulted in the violation of truth.
An agreement was reached in a telephone negotiation for debt settlement on the account of myself (the client). In that agreement I (the client) agreed to direct electronic payment which has been in effect for at over a period of years to this point. In addition several additional payments have been made outside of the agreement to assist in a rapid settlement of account.
Upon receiving statements with an interest rate of 28.99 % I (the client) phoned several times to negotiate a no interest applied rate to decrease the payoff time of the debt. I (the client) was informed this would beonly possible based on past good faith practices (PRACTICE PROVIDED) and as myself (the client)would be receiving an adjustment to interest on further statements. This was stated in conversation with two separate rep’s at Discover and presumably approved.
This was a proposal offered in original agreement, if good faith payments were applied, a no interest payment plan would be considered.
I (the client)find these practices to be unclear to either your staff or organizational levels of understanding as to authority, to grant conditions or modifications of agreements, all while offering assurances to clients actions are duly noted and applied to account. FRAUDULENT and/or IN-APPROPRIATE
For a considerable amount of time I (the client) am receiving an interest rate posted at 28.99%
I (the client) request or demand by clients rights, that the account be researched for participating rep’s, recorded conversations, call communication logs, notations to account, etc. seeking proof of conversations and actions as promised.
It is expected this matter will be researched and resolved immediately.
I (the client) await your immediate findings as I (the client) believe Finance Center rep’s have violated the truth, of individual authority to negotiate, approve, rectify or modify agreements on these matters.
Letter submitted threetimes NO REPONSES.
This letter forwarded to CA State AT&T Gen Offices and FDIC.
NO HELP NO ANSWERS
They only back Banks not consumers