Ok so I've never heard of Discover taking money without you going to court over it if they didn't make you go to court over anything then I do not believe legally they are allowed to drain your bank account. On Monday call your legal aid for your state it will be free to just chat over the phone. Even if you have to use someone else's phone to get ahold of legal aid it will help you out figuring it all out. I personally use Chime because then I can shut off my cards so no one touches it.