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Discover

Discover • Balance transfers • Cancellation problems • Delinquent accounts

Discover's always been sort of the third card out, trailing Visa, MasterCard and Amex by a wide margin. But that doesn't mean it lacks the ability to annoy, offend and aggravate its customers.

Patrick of Washington, DC July 2, 2009

On Nov 27, 2008 I wrote check #162 for 500.00 and mailed it along with my statement stub to Discover Card using the envelope they provide. On Jan 3, 2009 I learned that they check was not cashed and I called Discover and made a 1000.00 payment by phone to make the account current. On or about March 6, 2009, I learned that Discover had recently cashed the missing 500 check, which I suspect they had all along. Recently, I obtained my credit reports to find the Discover reported my being late with my payment. I was never late with my payment. They were late in recording the payment and blamed it on me. On July 1, 2009 I called and they refused to take any corrective action - despite the fact that I have been a card member since 1989 and have rarely if ever been late before. They were however completely happy to close my account. So much for loyalty. I recommend everyone stay as far away from Discover as possible.

Bonnie of fargo, ND June 24, 2009

I signed up for this discover card to have both of my other cards on the same card, and so I could just make one payment. The offer was 0% APR on balance transfers until 2010. As a former customer service representative for a different company. I know to read everything. I read it and reread it just to make sure i didn't miss anything. There was nothing out of the ordinary. So i went through with the application, reading everything again. My cards totalled up to 12000.00. I was under the understanding that if they couldn't transfer all of that from the two separate cards they would deny my transfer to the card. not so much.

I received my card in the mail with a 2500.00 limit and I was so confused at that point, but then remembered I had to sign up for email notification to continue the process. I thought that was very odd. but I proceeded anyway. I checked my email, and one stated I was denied one of my cards balance transfer. I thought no big deal. Until I opened the next email.the next email stated "We are pleased to inform you that we have processed your Balance Transfer request. However, we were unable to transfer the full amount you requested. The following is a record of how your Balance Transfer was processed:" the only amount that was processed was 2,375.00. I was so mad, confused. I read it and reread it. How could they do that without my permission? Now I have 3 credit card payments to make. the next day I called Discover card and is all they would say to me is that it stated in the agreement that they would make a partial balance transfer if they could not make full. and that I agreed to that. It never said that. I would have never agreed to that.

Like I said I read it and reread it. it never said that. i asked for the supervisor. she said the same thing. I know for a fact it did not say that but the problem is I have to proof. It is my word against theirs.

David of Las Vegas, NV June 24, 2009

Upon review of my credit card accounts I discovered my Discover Card (which I had for over a decade) was closed. When I contacted customer service I was told that a letter had been sent warning of the account closure due to inactivity. I never received such a letter; or it was thrown out before being opened because it may have looked like a solicitation. Not a phone call or email to warn me. I wrote Customer Advocacy, appealing to the fact that they recently won a loyalty award for customer loyalty. Well, it was met with icy indignation. Karen Turner simply states, "we are unable to open the account as you requested." Of course they are able to do it! They are unwilling to do it and she did not explain why.

Maronica of Glenview, IL June 24, 2009

I did a balance transfer from Discover to another card for 8500. I thought it didn't go through, so I applied for another card for the same amount. Well the first one paid off the Discover card and then the second one came through and made the same payment. I believe that seeing the same payoff amount would have been a red flag to Discover.

When I discovered the mistake that I made, I called and asked to have the credit sent to me immediately. They said it would take 3 weeks. Well, after 5 weeks the credit was not reimbursed. I called and was told that the person that I talked with first time noted it on my account, but did not put the request in to send me the credit. The excuse was that they needed to investigate such a large amouht of money being returned. But they didn't investigate the 2 payoffs of 8500.00.

Ron of Redwood City, CA June 9, 2009

They call constantly about product information. I have asked them not to call and take me off there calling list. They continue to call.

Mary of Plymouth, MN June 20, 2009

Two things have recently happened with Discover. I am seeing other customers on your website complaining about the same issues.

1. Discover changed the monthly due date on my account and did not send a notice - just put a note in the online statement.

2. We received a call today at 8:07 am on 6/20/09 (a Saturday morning) from a rep named Jason who was calling about my payment. I told him that he had woke me up and that I would have to get to my computer to see what happened. I thought I had paid the amount on 6/11 through my US Bank account. I told him that he woke me up and that I woul have to check this. I told him 4 times and he kept saying "I can wait - don't you want to check on your account now". I felt very badgered and that I was being treated poorly after I told him nicely the first two times that I would call back to their 800 # once I was up and at my computer. After the 4th time he repeated his "I can wait" line, I told him that I would be filing a complaint for the badgering and I hung up. My husband and I have an excellent credit rating. We opened this Discover account to pay for our newly renovated kitchen. I will never use Discover again after the treatment I received this morning.

Robert of Magnolia, TX June 20, 2009

Had a due date of the 18th for years. Payment was set up to be paid on the 16th of every month. June 2009 the due date changed to the 14th so now i have a late fee and my interest rate increased. I never received a notice of the date change.

Vicki of Duncan, OK June 19, 2009

Is there no one that can do anything about Discover Card Services and the illegal, immoral business practices they take delight in conducting? Their Customer Service is a joke. No one makes system notes that you've called and if they do, the next Rep you get says the previous Rep didn't know what they were talking about! In essence, they all lie. If you email, all you get back is a scripted response, that has nothing to do with your question or complaint.

I also received a notice of Payment Due Date change via email - Not in writing from the company. Do they think they're not committing a crime because no court can get them on Mail Fraud? The date change was supposed to become effective June 21, 2009. My MAY payment was before the MAY due date; POSTED by them May 23. I emailed them about the emailed Due Date change and asked the consequences of requesting a different Due Date. They emailed back and said as a "Courtesy" they would take it off the LATE FEE FOR MAY. What gives? The date change wasn't supposed to take effect until JUNE! I made an early payment in June, but they're still billing me for a June payment. This company is beyond absurd. It's like dealing with Twilight Zone zombies!

I'm beginning to think a Class Action lawsuit is in order for them. From all the message boards I've read, I have not found even ONE good thing written about them. They take OUR tax dollars in Bail Out money, treat us like dirt and idiots and are as corrupt as the Czars of Russia. They're their own big dictatorship and no one stops them.

I stopped calling. I just email now and print every response. I suggest everyone dealing with Discover do the same. Courts are now considering emails as good as mail handled by the US Postal Service. Something has to be done about these people!

Joni of Knoxville, TN June 18, 2009

They have changed their due date slyly...saying they sent a note in the last bill about a due date change when it was actually an e-mail just a few days before the change...I found out about it two days BEFORE the NORMAL due date and two days AFTER the NEW due date.

Casey of Hunt Valley, MD June 12, 2009

I was sent an invitation by Discover Card to transfer a balance. They advertised a rate of 3.99% until 2013. Feeling that this would help me pay down my debt faster, I accepted the invitation. However, I have received my first bill and after reviewing it, they have charged me a transaction fee of 287.28 (which was not disclosed to me with the invitation) and I notice that the actual APR is 41.14% !! This is insanely higher than the 3.99% quoted in the invitation.

I am now stuck with owing Discover a balance of 9,904.32 (which includes the transaction fee they charged me), as well as the exhorbitant interest rate that is attached to this balance. Discover has refused to amend this for me or to assist me with lowering the APR or voiding the transaction fee.

The monthly payment for this account is 198 because of the outrageously high interest rate -- a payment that I cannot afford each month. I am now faced with a financial difficulty in making this payment and I will now be spending an extremely high amount towards the interest for this balance because of the rate of 41.14% -- none of these hidden fees and rates were ever disclosed to me or made clear to me when they offered me the balance transfer at a rate of 3.99%.

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