Discover Bank / Discover Financial Services review: Returned payment fees

I have made multiple timely payment attempts on my Discover account. Despite these goodfaith efforts, Discover has repeatedly returned or reversed these payments without providing a clear explanation or a viable resolution. The following issues have occurred:
Returned Payment Fees Assessed
• June 8, 2026 – Returned payment fee
• June 3, 2026 – Returned payment fee
• April 7, 2026 – Returned payment fee
• April 3, 2026 – Returned payment fee
• September 5, 2025 – Returned payment fee
Payment Attempts Initiated
• June 4, 2026 – Payment initiated
• June 1, 2026 – Payment initiated
• April 5, 2026 – Payment initiated
• April 1, 2026 – Payment initiated
• September 3, 2025 – Payment initiated
Additional Payment Issue
• On July 31, 2025, I made a payment that was subsequently returned on August 5, 2025.
In each instance, I initiated payment in good faith. My bank has confirmed that no stop payment order exists, and that no authorized debit request from Discover was received for the dates in question. I have spoken to the Discover through their chat, phone call, and submitted a comlaint to the BBB (Better Business Bureau) and each have provided me with the same information which leads me to believe they did not investigate my claim. I know that Discover recently merged with Capital One and they have been having issues with merging with their information management system due to Capital One's system being outdated. The majority of my issues started around the time Discover merged with Capital One and despite that it seems like they refuse to take my claim seriously. Discover has not provided the ACH return codes, the Company ID used for the debit attempts, or any viable explanation that would allows for a resolution of the issue by any party.