Q: Can I sue Discover Bank for negligence, payment not arranged, also agent stated after a year I can lower APR?
A year ago I applied for a Loan at Discover Bank and Agent stated if pay on time, and after a year I can lower APR, and supposedly no hidden fees. I made a payment and it didn't process correctly and they return the funds also the second time I made other small payments and it only went towards the Interest. Within 4 months ago I called Discover that if they can lower the APR and they stated after 1 year of the loan. When I got to the year I called Discover and told them if they can lower APR and stated I was not eligible. At this moment I want to see if there's something I can do for negligence?
A:
In my professional opinion none of the facts stated by you could be the basis for any lawsuit based upon negligence. So I am afraid to tell you that the only way to get away from this bank is to repay the loan in full. (
HINT: As a former commercial bank operations officer I suggest that you look for some other bank (or a credit card company) that will loan you the money to repay Discover Bank--right now-- rather than be reminded of how much you dislike Discover Bank every time you make a monthly payment.
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