Discover

Someone in my household applied for Discover Card without me knowing. This person had former bankruptcy I had to help clean up. I discussed this, and it was agreed we don't need or require another credit card. I explained this to Discovery and the harassing calls continued.

I was the subject of telemarketing fraud and the crooks were actually passing themselves off as affiliated with Discover. This type of fraud has penal consequences, but is generally too small to be prosecuted. Discover boasts zero liability for fraud, which is as deceptive as it gets given their standard operating procedures. They probably did not even read my letters with comprehension, just sent nonsensical standard boilerplate replies. I asked them to look at the proof that was in front of them that the "merchants" were lying, but they did not feel like they had to bother. On top of it, they wrote to me that my continued dispute would be noted on their reports to the consumer credit agencies. Somehow, they forgot to do it. I hate Discover.

My mother told me today that someone has used her Discover card and charged $5,000 worth of computer stuff on it. Discover told my mom that someone had reported it stolen, which is funny, because the day they told her that, she had it with her because she had just ordered something over the phone. My mom is very upset about this and very unhappy about the way they are treating her, and now I'm mad as well. She is 75 years old and on a fixed income. Discover needs to fix this and soon. Thank you for any help you can give in this matter.

I was called by Discover Card about two years ago. I was late a payment and they offered to cut my interest rate and charge me the same amount each month ($172), in which they would pull out monthly from my checking account. I agreed to these terms and was happy to know that I would not be surprised with higher payments.

Recently, I started getting phone calls from Discover. I felt no rush to return these cards as I was not using the card and as of Sunday, March 18 (only 2 days ago), I saw that an email message came, stating in the message line that I was "nearing my credit limit". I ignored this message because I have received them before and I thought that they were posting a warning that my interest had been applied, but I knew that it would be paid off with my recurring payment.

Today, around 5:30 pm EST, I called Discover back and was sent to a customer service representative. She informed me that the law had changed since we entered our agreement and I now owe $191 a month to meet the minimum payment. She also told me originally that I owed $300 (not exact but close) to get my account under the credit limit. I questioned how I could be over the credit limit when I no longer use the card. Then, she informed about a new law requiring a higher payment so I can pay off my debt and then told me that original payment should have been set up for $181.

I asked how much I owed in late fees, because I did not feel that I should pay these, since I was set up on an automatic draw, initiated by Discover and was not given any written disclosure regarding a change to my payment due to the new law. She said that she was willing to forgive $200 in late fees but I still owed over $300. I asked when my card was overdrawn and she told me that once I was $60 overdrawn. I agreed to pay $100 but refused to pay any extra, since I do not use the card and found it hard to believe that Discover would allow me to overdraw, knowing that I'm on a payment contract with them.

We talked for quite some time and I never resorted to name calling, raising my voice or other disrespectful behavior. I heard laughing in the background as our conversation continued. It sounded as though several people were laughing in response to our conversation. I asked her if they were laughing at our conversation and she said that they were laughing at her end of the conversation. I then told her that I expected my account and the people working in that department to act professionally and treat me with respect and she could call me back if/when I could expect that environment.

I have requested that Discover send emails regarding my account. I have roughly 15 emails from them since January, 2012. Not one of them states in the message line that I passed my credit limit, instead, a few of them state that I am nearing my credit limit. The rest state that my payment has been posted or a statement can be viewed.

Not informed correctly - I was told I could change bank accounts online. I did that online and then Discover charged to my old account, which did not have much money in it. The bank charged me money for doing that because I did not have very much money in the bank. I asked Discover to cover this cost and they would not. Discover sucks a lot!

I got into a car accident and my cards were lost. I reported them stolen, since I have the account linked with my mother and they told me they needed to speak with my mother before sending the replacement to us. My mother is a first generation immigrant and barely speaks English and I take care of her finances. They ignored my explanation and treated my like I was a criminal. I will never do business with them as long as I live. Discover sucks.

Discover card policy allows a merchant to retain your card information. Once you have used the card for a purchase, it may be used for any and all future purchases, even though you may want to pay by other another method. Imagine ordering a pizza once and paying with Discover and the next time you order a pizza you are told that because you once used your Discover card for a pizza purchase all future purchases can and will be charged to your Discover card. I thought merchants were not allowed to store your card information. What about fraud? What about the right to choose method of payment?

I had emailed Discover, asking why the interest rate on my card was so high, (29.99%). They responded that I had missed a payment in November of 2008. That was over 3 years ago and I have not been late since. I've also been paying more than the minimum required. I've been a member since 2001.

When I asked about lowering the interest rate, their response was "We have no lower rates at this time". Whatever you do, do not get or recommend Discover to anyone, not even your worst enemy. These people are crooks in the worst way, and our lawmakers do nothing. I'm in the process of finding a credit union which will issue a card, so I can transfer my balance from Discover and close the account. I'm going to tell them they can stick it where the sun doesn't shine.

I have been a Discover member for several years. For the past year, they've gone into my checking account 2 weeks prior to the payment due date. They set this plan up with me in December 2010. Well lo and behold, this month I checked my statement and of the $320.00 payment, $175.00 was interest. My 9.9% rate was only good for 1 year, and now my new interest rate is 29.9%. I called on three separate occasions to no avail, only to be told that you can only be in 1 program per year because of the the legislative law. What a joke!

Please only use your credit cards if it is your last hope. They are criminals. Discover financial had second quarter fiscal profit of 593 million, which can be verified on credit card assist.com. Stop using them. They should go to jail for what they do to hard-working people.There needs to be strict laws for the horrible things they do.

Obviously, they are becoming richer and richer while most Americans get less and less in their paycheck, and the price of everything has skyrocketed. We have power as consumers. Stop using them if at all possible, and pay off quickly. With profits like that, something is wrong in this world.

I had the Discover card. Both my husband and I lost our jobs. We entered in to a debt settlement program. Everyone agreed to a sum except this company. I received official court papers stating they were taking me to court for debt default. They have refused to accept any offers and forced me to get an attorney and spend more money. They only settle for about $300.00 less. Actually, the original sum in 2008 was not even considered. They were informed in that year of my intentions. This company is not consumer friendly and only looks out for profits. I say if you have this card, get rid of it asap. I have other family members who are stopping this card and putting in the waste column.

I received a request from Discover to update my billing information. After answering the standard questions regarding the wage length of employment and etcetera, I was put on hold for about 5 minutes. When the representative came back on line, I was informed that they ran a credit report while I was on hold and they wanted to know why I had other card with balances on them! I have never missed a payment or under paid my bill. The representative asked me why I wasn't paying more to the principle than I already am. It is three days before Christmas! Discover is being paid on time and over the minimum. Where do they get off assuming they have the authority to question my finances and repayment plans? I will have their crappy card paid off in two months and then it goes into the retired pile. What a bunch of jerks! This is nothing short of harassment and an attack on personal rights.

Discover card services initiated, without my consent, an additional hard inquiry to process a credit line increase. I called Discover customer service and I expressed my complaint but I was told that they can initiate a hard inquiry whenever they wish. I recently filed a complaint with the Better Business Bureau regarding the complaint. If you must, file in the BBB against any company that you feel may have wrong you.

Discover Card lowered my limit from $7,000.00 to $3,000.00 while having a current balance of around $2,700.00. I have always paid on time and paid more than the minimum amount due. Because of their actions my credit rating has been dropped from excellent to fair. Before they dropped my limit my credit scores were in the high 700's and low 800's, now it is in the high 600's, When I called them to inquire about the reason why they did this, they told me it could have been several reasons they did this. One was that maybe I had used a credit card to get cash or some other reason.

They offered to run a credit check to see if they could raise my limit and I declined, knowing that credit checks could possibly lower my credit rating even more. I told them to forget about it that I would not use the card and would put all my efforts into paying it off. We were planning on purchasing a new car at the end of the year, but with only a fair credit score our interest rates would be too high. I would advise everyone to stay away from Discover Card.

My husband has an account with Discovery card and pays $60 a month for the Payment Protection Plan. In November 2008, I was diagnosed with AML (Leukemia) and went on disability. When I returned home from the hospital in January 2009, we contacted Discover about activating the benefit. They sent us forms that we provided to my doctor and my doctor returned the forms to Discover. A few months later, Discover sent us correspondence indicating that they did not receive necessary information from my doctor, so my "benefit claim" was being closed (the benefit was to freeze our payments and lower us to 0% interest).

A few months later, I realized that while we were still making a minimum payment each month and we were being charged 24% monthly interest without ever making a charge on the account. I contacted Discover again and again received a "benefit claim activation form" and provided it to my doctor, who faxed it to Discover. Again, my "benefit" was never activated. I returned to "part-time" work with restricted hours in September 2009. We re-applied again for the benefit and it was never activated. In May 2011, we lost our home to foreclosure. Our payments to Discover were automatic by Discover. After moving to a rental, I found that we were still paying a minimum amount, still incurring 22% interest and still paying $60 a month for a benefit we've never received.

Discover raised my interest rate to 29%. When I called them to inquire, they told me there were several steps in getting it reduced. This included re-applying. So I did. Note that I have made current payments for over a year. They closed the card. When I inquired about a rate reduction, they told me that they could not reduce the rate on a closed account.

I have been a customer for 19 years with Discover. I was late on a few payments with a fairly large balance. They raised my interest from 13% approximately to 28%. I never missed a payment but was late when I lost my job. After a year without a late payment, I called them and asked them to reduce my interest rate. After a few transfers to other attendants, they said no, but they would gladly reduce my interest for new purchases.

My payment history is good enough to make new purchase but not to lower my interest rate, even a few points of the 15% they raised it for a couple of late payments. I told the person on the phone to either lower the interest or cancel the card. She told me she couldn't lower the rate except for new purchases. I asked her to cancel the card then. I had to ask 4 times for her to cancel my card. I don't advise anyone to apply for a Discover card, and if you do have one-cancel it.

If you (For some retarded reason, i.e. you are just a contrary person, or you work for one of these financial institutions.) do not agree with what I say about the devious practices of Discover Card, below, go read what this organizations says, about what are seemingly illegal practices, done in broad daylight.

My name is Thomas ** and I want to start out by saying no matter what your personal opinion, Discover Financial Services is essentially a white collar terrorist organization, and they are committing acts of financial terrorism against millions of decent, responsible, hardworking, respectful, reasonable American citizens everyday in broad daylight. These are much more than acts of financial terrorism though as they force people to lose their homes, to go without food, to not provide for their children, to postpone basic and/or urgent medical care, because Discover Financial Services has devised a system (And it is not very complicated to do what they do, and see how they do it) whereby they saddle a consumer with a debt that they cannot pay off.

Some people will read this and respond as a minority of people has responded to my many other posts all over the Internet and say stuff like: "You should be more responsible", "You shouldn't have gotten the card", "You borrowed the money, just pay your bill". I do not know if these people are just being contrary, playing devil's advocate or actually work for financial institutions and are out there representing the other side. To people who say I should be responsible, I have paid every other bill I have ever had, in life, in full and on time, with no issues - So why not Discover? I have always paid my rent, my car insurance, my car payment, my utilities, my phone bill, my Internet bill, and all other bills on time and in full, why not Discover, curious isn't it?

The answer is that I actually have paid my Discover Card bill. I have a credit limit of approximately $5,000 dollars, granted, I have borrowed this money from Discover over the 10 years I have held the card, but I have also paid the amount back in full at least 6 times (Yes, $30,000 for an initial $5,000 LOAN, and they're not done yet), but that is not good enough for Discover Card - you see with Discover you don't simply borrow money and pay it back at a reasonable rate, this companies gets its claws in you and will not let go, until you have paid at least $50,000 for a $5,000 loan. They'll get you with late fees, they'll raise your interest rate, and they'll get you with late fees by **Moving your payment due date around (Without notification), and then adjusting your minimum payment due (Without notification).

To the people who say, "You shouldn't have got the card", that would be like telling the 99% of Americans in debt to financial institutions, "You shouldn't have got a college loan, it's your fault", or "You shouldn't have got sick and got that medical debt" or "You shouldn't have got upside down in your mortgage", but No One got into debt on their own, or by playing by reasonable rules. The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, and lied to, cheated, robbed, swindled. A crime, many crimes have been committed, in broad day light but nothing is done because it is white collar crime, and many, if not all of these companies have bought political protection, like people used to buy protection from the mafia. No I got a Discover Card with an initial contract at a low interest rate, and like many consumers, Discover Card found a way to more than double my interest rate once I charged money on the card.

I was one of the unfortunate, innocent, naive people who were solicited by Discover Card as a college student. This practice (Of soliciting to college students) was recently banned; unfortunately I cannot be grandfathered into the ban. I was a college student, it was over 10 years ago, and like many college students I needed a little help making ends meet, I did not (as some coldhearted people out there like to say ) splurge on frivolous items, like a big screen TV, or a game system, or a ping-pong table. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I do not buy frivolous things. I am a very responsible consumer.

Discover Financial Services offers consumers one thing and then when they have you out there holding one of their cards and using it, they alter your contract. And this is something - that has to be illegal - And I have only seen this with Discover Card. With any other contract I have ever been a part of I not only had to read and agree to terms, but I had to sign and initial the contract and is changes were made they had to be read and initialed. With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (Where is the proof I actually received the letter? ) and mind you they will bombard you with letters, and no one reads those letters and all the small print, but this is the important point, whether you got the letter or not, you agree to changes in your contract - by simply continuing to use the card - So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store. Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers?

When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1). This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much. In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts, it's part of their business strategy, get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost - even when it means their daily practice of breaking (And apparently creating) the law.

Most recently Discover Financial Services decided to change (Without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, et cetera...but Discover decided to change my payment due date. This led to me (As I am sure millions of other Americans) being late on my payment (Oh Wow! look, instant revenue for Discover Financial Services) - as soon as I and I assume millions of other Americans went late on our payments via Discovers latest scheme, they generated 100's of millions of dollars in late fees.

They hit me with late fees, and, but - here is the genius of it ***I have always paid well above the minimum monthly payment due - say my minimum monthly payment due is $70 I was consistently paying $100. Unfortunately (Guess who else knew this?! Discover - this is how we are all playing a rigged game) so I went late on my payment, because Discover decided to change my payment due date, without notifying me of the change, then they hit me with late fees (Keep paying attention this gets amusing), they folded the late fees into my balance, which increased my monthly minimum payment due - and here is the kicker - my monthly minimum payment didn't go up $10, it didn't go up $20, it didn't even go up $30 (To $100 from $70) it went up $43, because Discover has my payment history right in front of them, and if it only went up $30, they wouldn't be able to catch me with late fees again, when I went in to pay my monthly minimum payment and like most responsible consumers paid over the minimum ($70 and I was paying a $100), but it wasn't $70, and conveniently it was over $100, because they knew I would pay $100, and they knew they do not, and did not adequately inform me or any consumer of these changes, in payment due dates, raises in interest rates, raises in monthly minimum payments, et cetera. so they got me again, late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.

Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment, but it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?

Finally, I have informed Discover Card that I am launching an all out campaign against them, via the BBB (Which I am starting to think has been bought off by big business), the FTC, The American Civil Liberties (Because I think the financial institutions inherently violate civil liberties, and generally a person's pursuit of liberty, freedom and happiness) my States Attorney General's office (In Georgia where I live and was the initial crime took place), and also with The States Attorney General's Office in Utah and Delaware where this company runs it's criminal enterprise (I am also going to talk to an attorney about bringing charges against Discover Financial Services under the RICO statute, as this is a criminal, racketeering, organization operating across state lines) I am also out here filing complaints all over the internet at the many internet complaint boards, via Facebook and Twitter.

I informed Discover of these intentions and now they are harassing me. Specifically, now they will not correctly receive a payment from me. I just paid my October payment, over the monthly minimum, of course, on time, of course, remember I am otherwise a 100% responsible consumer (Except, apparently in my interactions with this illegal, fraudulent company) Buy Discover promptly sent me an e-mail on Monday saying I missed my payment again. When I contacted them, they said the e-mail was incorrect, and that I had made my payment in time and in full, so I asked them to send me an apology and an e-mail containing the correction (Correct info) and was informed that they could not send that via e-mail, they would have to send that via conventional mail. That's right they will send you incorrect info through e-mail, but the correct info, can't do it.

One more interesting/amusing thing - Discover Financial Services informs me that they do not have a complaint department?! What decent sized business doesn't have a complaint department? I assume the Discover Card complaint department was so overwhelmed the company gave up trying to operate one, and they certainly do not care about customer complaints and this is one glaring sign of their disregard for customer service.

I have said this to Discover Card numerous times. I simply want Discover to recognize that they have an extremely dissatisfied, angry, disgruntled, activist customer out here, that is much more of a liability to them than I could ever be an asset, and I want them to forgive my remaining balance (Approximately $3,500) and send me a letter officially ending my relationship with their company. I am extremely dissatisfied with this company. We both go our separate ways, that simple. It is like how every now and then a restaurant has to comp a meal. Well Discover Financial Services are going to have to comp my bill. I must reiterate that I am not trying to weasel out of paying my bill. The fact I have already paid my bill 10 times over. While Discover Financial Services tried to ignore this situation I will be out here fighting via every avenue imaginable until I find satisfaction and justice.

In closing Discover Financial Services is a White Collar Terrorist organization operating with impunity in The United States. History will look back on them as the criminals they are, and see the acts they have committed for the depravity, greed, ruthlessness, lawlessness, and as the treason that they are.

We made a payoff of almost $4,800 and had an overage of $51.00 We also instructed Discover to cancel the card and account over 2 months ago. But we keep getting "finance charges" that are eating up our overpayment on a closed account. I know it's just $51, but its my $51. So I say, beware of Discover card; they will screw you at every turn. Use Chase bank.

I used to think Discover card was perhaps one of the best credit cards. Not any longer. They, like most, change their policies as they go along, always to their benefit. It used to be you could you use Cashback Bonus Balance toward your balance along with an additional payment. However, now, you can only use it in increments of $50 at a time.

It's my Cashback Bonus and I should be able to use all of it, including the change, at any given time, right? Also, their late fee of $39 is ridiculous. I know of no other credit card company that charges a late fee of $39 for as much as a month but on an occasion I have been charged this ludicrous amount for being as little as one day late, and when they do that, they automatically raise your APR also.

I just called and spoke with an "account specialist" about having my rate lowered and she advised me that they had done that several times already and even though we are in an economic crisis nationwide at this time, 21.99% was the best they could offer me. I told her that if I were to file bankruptcy, I'll bet they could lower it then! No response. So, Discover having it shoved up your ** with Discover card! Visa is a much better company to work with during hardships. Adios, Discover card!

I overpaid Discover based on the payoff amount at that time. I had overpaid them for $101.22 and I have yet to receive the money since May. Do they make profits off your money sitting there? Is there a way to sue them since there is no way of telling how many others have or are experiencing this same issue? I want my money plus the interest they have made.

I called Discover to respond to a 0% interest rate offer. They said my current rate was 11% so one would assume my card is active. I am lost in a transfer to lower it. When I called back I was told my card was cancelled. I got disconnected again when I was trying to find out when, thinking maybe they had to create a new account for the offer. During the third call I got disconnected when trying to find out how to reactivate or take a new offer!

I called to request a date change of an automated phone payment on Saturday June 4th at 2:15 pm. The answering service for the phone payment system said, "Our offices are not open. We are open from 8 am to 4 pm on Saturdays and 9 am to 4 pm on Sundays." They were "closed" during their stated office hours. I called a 24-hour customer service representative who verified, after trying several numbers, that she too was unable to get through. While transferring me to a supervisor, I was cut off and had to call back. When I called back, I asked to be transferred to a supervisor. The supervisor told me that the actual hours of the phone payment processing center were only until 2 pm on the weekends. After explaining that I needed to reschedule the payment before the next day, she said I could still call on Sunday between 10 am and 2 pm to cancel the payment.

On Discover Card's website, they state: "Phone payments must be canceled by 5:30 p.m. Eastern Time on payment posting date." I called again on Sunday, only to be told that phone payments are processed in the morning of the posting date, and there is no way to cancel them, and that I should have called the day before. When I explained that I had called the day before, and spent 2 hours talking and on hold and that their hours are misstated and their posting information is incorrect, the supervisor told me that I should call during the week. The misleading information on the phone answering service and the website has screwed up my finances for the rest of the week. If I hadn't been able to take a temporary loan from family, it would have cost me $35+ from my bank in overdraft charges plus late fees from Discover.

I'm a graduate student making less than $10,000 per year and I pay my bills 2 weeks ahead of time; Discover wasted my time and nearly cost me $60+ in charges. My recommendation is do not enroll in phone payments; they are difficult to get a hold of, thanks to misinformation, and do not appear to accept any responsibility for misleading information.

I recently had called Discover to cancel my account. They wouldn't let me cancel the account until I had to raise my voice on the phone, so they cut the account. But later, after three weeks (I destroyed the card), I received a statement from them saying I went to the spa in San Francisco and bought $1,750 worth of jewelry in Seattle, WA. As a result, I called Discover and they immediately cut all of my information out and the account. I never want to work with Discover as a consumer ever again.

I went online to check and make sure my scheduled payment covered the amount due and the current bill was not available to me. Today is 5/12 and the last visible bill closed on 3/18. My bill due date should be 5/13 yet there was no bill and no visible account statement to verify any transactions between 3/18 and 5/12. After searching the site a popup window offering live chat with a CSR came up and I began to question the situation which basically she refused to respond to and became very rude.

Not being permitted to see a statement, I don't know whether there were any fraudulent charges on my account, whether my payment was or was not made and what it was and whether there will be any late fees associated with the date change from May 13th when my payments are scheduled to come out (the 13th of each month) to May 11.

I found out when I pulled my credit report in October 2010 that I was listed as an authorized user of a Discover card account. I sent in letters to Discover requesting that they remove my information and asked for copies of the agreement but never got anything from them. I also sent letters to Equifax requesting they remove me.

I continued getting "verified and updated, the account belongs to you" so I asked for a validation method per FCRA in January (I am still waiting for it. Even the card holder sent a letter that I be removed from the account since it was not mine. All letters were sent Certified Mail so I have proof! Per the FCRA Section 603 - I was not the consumer, I was not offered "firm offer of credit" nor did I ever sign an application for credit with Discover or provide them any of my information. I think they are a devious, back-handed operation and would never do business with them.

Discover card gave me a balance transfer offer in Dec 2010. After that, I have been calling them for 5 months for incorrect interest fess. Now they have started charging balance transfers on daily purchases . Watch the hidden print.

When I was living in the U.S., Discover had been consistently sending me advertisement about their cards. Although I was already happy with my current credit cards, I thought I could give Discover a try in July 2010. The result? I was really offended by the disturbing experience Discover representatives threw at me. Their incompetence forced me to sacrifice valuable time and other goals in a pressed schedule (so pressed that I had to travel and slept in a car outside to meet schedule), only to make a successful payment to Discover.

So, here was how it happened. After I used Discover card for a while, I needed to move to Canada, so I used I.P. relay service to call Discover (as a hard-hearing person without land line at home, I.P. relay was the only communication method for me with Discover) and required an address change. Suddenly, the relay operator told me that the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online.

After my account was locked, I immediately contacted Discover's security department to verify my identity. I informed the Discover representative, Kay, that I couldn't hear sound so I couldn't pick up their call. Kay insisted that their record showed that they had spoken to the cardholder so they would still go ahead and call back. Well, how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore, it is either (1) this Discover representative was a liar, or (2) the representative was unprofessional and didn't know what she was talking about.

I was still willing to give Discover another chance. Several days later, I successfully verified my identity with the next representative, and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what, they locked my account again, despite my effort to verify my identity a week ago.

On the next day, before I departed from U.S., I told a Discover representative, Ariana, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later. I had to explain to Ariana again about my disability and I couldn't pick up a phone call. She just said that she couldn't continue the call and hanged up disrespectfully. At the time, I was completely done with Discover.

So, the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away. When they don't like answers from cardholder or feel that their ego is invaded, they treat the cardholder like a thief in a rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And when Discover realize that the cardholder is actually moving to another address, they are putting the cardholder at the risk of exposing information to the next renter at the previous address.

They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot of work to do at that time--and when I was very sick and coughing painfully. How their fraud department handles fraud is absolutely ridiculous and laughable. My Visa and AmEx card companies politely changed my address without any problem; hence, I concluded that Discover service is trash and I will not do further business with them. No wonder Visa, MasterCard and AmEx are still the mainstream while Discover is still a nobody-care credit card company, along with their uncivil and backward representatives. Don't use Discover.

I was looking over my credit card statements and noticed that my Discover card was charging me 29.24% interest. Wow. I always pay on time, so I called and spoke with customer service. They put me through to a hardship department that did not offer too much, but to cancel the card to lower the rate and automatically take the money out of my checking account. I did not want automatic withdrawal so no deal stuck with the rate. No other offers to lower the rate and no care for my plea for help. That high of a rate should be illegal. On a $10,000 balance, I now have to pay $290.00 interest a month. This world is insane and I feel so ripped off. I really feel like I called Peggy from the commercials. What a joke. How will I ever pay it off at that rate?

My husband's father died in July 2010. He had a balance on his Discover card. My father-in-law was paralyzed for over 30 years. The only thing my husband inherited was a 12k funeral bill. After my mother-in-law sent Discover the death certificate, Discover threatened her that they will go after my husband. At that point. they gave her my husband's SS number. Since this has happened, they have reduced the credit line on my husband's Discover card and call our house 4 to 6 times every day. Greedy people! When did the debt of the father become the debt of the son? I think this is greed at its finest and they should be held accountable for their actions.

When I was living in US, Discover had been consistently sending me advertisement about their cards. Although I was already happy with my current credit cards, I thought I could give Discover a try in July 2010. The result? I am deeply offended and disturbed by the experience. I had to sacrifice valuable time and other goals in a pressed schedule (so pressed that I had to wake up at 4AM, traveled a long way and slept in a car outside to meet schedule), only made a successful payment to Discover. After using the card for a while, I needed to move to Canada so I used IP relay service to call Discover (as a hard hearing person without phone line at home, IP relay was the only communication method for me with Discover) and required an address change.

Suddenly, the relay operator told me the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online. After my account was locked, I immediately contacted Discover security department to verify my identity. I informed the Discover representative, Kay, that I couldn't hear sound so I couldn't pick up their call. Kay insisted that their record showed they had spoken to the cardholder so they would still go ahead and call back. Well, how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore it is either (1) this Discover representative was a liar or (2) the representative was unprofessional and didn't know what she was talking about. I was still willing to give Discover another chance.

Several days later, I successfully verified my identity with the next representative and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what? They locked my account again, despite my effort to verify my identity a week ago. On the next day before I departed from US, I told a Discover representative, Ariana, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later. I had to explain to Ariana again about my disability and I couldn't pick up phone call. She just said she couldn't continue the call and hung up disrespectfully. At the time, I was completely done with Discover.

So the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away. When they don't like answers from cardholder or feel their ego is invaded, they treat the cardholder like a thief in rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And does Discover realize that if the cardholder is actually moving to another address, by refusing to change address, they are putting the cardholder at the risk of exposing information to the next renter at the previous address? They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot, lot of work to do at that time and when I was very sick and coughing painfully.

How their fraud department handles fraud is absolutely ridiculous and laughable. My VISA and Amex card companies politely changed my address without any problem, hence I concluded Discover service is trash and I will not do further business with them. No wonder VISA, MasterCard and Amex are still the mainstream while Discover is still a nobody-care credit card company, along with their uncivil and backward representatives. Don't use Discover.

I lost my job in January of 2007 and was unemployed for 3 months and took the first job I was offered but at a $15000/ a year difference. I had made arrangement with Discover to have payments taken out of my checking account on a monthly basis but they would take them out whenever and was causing me to bounce other payments.

They were supposed to take them out on a given day but would send them in early to be processed by that day. Then I stopped having them taken out and they called and said they would lower my interest rate to help me get caught up. So I agreed to this and then found out they did not lower the interest rate and were charging me almost the same interest per month as the payments they were taking out.

They stopped taking the money out of my checking account and would start calling again. I would make arrangement again but they never started it back up. After awhile I just stopped taking calls or paying because they had lied to me so many times.

Discover notified us of their intent to sell and close our account to Main Street Acquisitions Corporation in late October and to disregard our November statement which was 55.51 and our new statement date would be the 6th of each month. Our next letter indicated that Discover had "inadvertently indicated to not make your payment". Meanwhile we received a new statement with a schedule due of November 17 with a late fee of $15.00 and a finance charge of $.63 applied to the account by Main Street according to Discover and oddly enough applied by Discover according to Main Street. On December 7th Discover applied our cash back balance to the outstanding balance and refunded the difference of $3.27 via check.

But over the past few weeks Main Street has routinely called in an attempt to collect this "past due" amount. I've spent hours on hold trying to get them to talk to each other to no avail. Discover can not talk with us about the account since they sold it to Main Street and Main Street does not recognize the cash back balance payment. I'm stuck. I'm filing complaint with the Missouri AOG office next. This resulted to hours of time and effort, frustration, past from pillar to post. Talking with a new or different person each point of contact. We have always paid the entire balance each month on time and within terms. Loss of credit ,notice of delinquent status, etc. All of it due to Discover or Main Street. I have documentation of each step.

My elderly father had his credit cards stolen by a home health aide caring for him. On her first day working, my father let her use the Discover card to buy some groceries. She returned the card the same day. She later stole the Discover card as well as two other cards and used his personal info to get a password over the phone.

She withdrew over $1200 on the Discover card and my father was never alerted by them. Now Discover won't cover the loss because they said my father let her use the card on his first day out of the hospital.

I have called the Discover Card Credit Department five times this year. My interest rate on my card is 25%! They refuse to lower my interest rate? I always pay before the bill is due and always pay more than is due on the account. What can I do? Thank you for your time.

I received an advertisement in the mail for high-interest "cash checks" disguised as a state income tax mailing. This kind of intentionally-deceptive marketing is a disgusting affront to decent, hard working people who may not be astute enough to understand they are being scammed. Discover is not the first business to do this, but I have found them over the years to be particularly sneaky in the way they try to lure customers into more than they know they signed up for.

During these hard times, I had unfortunately started to make a lot less money than I used to, as well as my wife going through medical issues put some financial strain on my ability to meet Discover Cards financial obligations. I called them to negotiate some kind of terms with them in order to prevent any missed payments. What they required me to pay was above what I could offer to pay, and they were not willing to work with me. It's not that I didn't want to pay them. But their requirements have been so high above my other credit cards, that it was basically no agreement. They had no problem taking the $1.2 billion from the bail out money. They should be using that money to help out the people who really need it.

I made my Discover payment on time like I have for 20 years. They misapplied my payment to my deceased wife's account (which was closed). I got a bill showing a double payment, interest increase, late fee, and a credit line reduction. When I called to make the correction, all I got was an issue about how much my credit line was too much for my income. I spoke to three different people and I believe I got the late fee removed and my interest rate back to what it was. The person that I was talking to was inquiring about my credit and said that there was something on my credit to cause the reduction in limit. Apparently, that person is the only one with the information. There are no issues with the credit reports that I receive. They are hassling me because of their error, and talking to them does absolutely no good. All I wanted was the error to be fixed and my account restored back to the way it was. What can I do to resolve this?

I discovered I was being billed for Discover's "Payment protection" for the last year. I disputed charge and was told because I waited over 30 days ----too bad! No one will help me, it has been as consumers worst nightmare. I am always being told I will be transferred. No one can help me!

Let me say thank you for having this forum available as I am beyond angry, frustrated, and even saddened, as is my 13-year-old son, over the years of Discover's antics, ending (after over a decade!) in a garnishment of my wages which will take 9.9 years to pay off. My ex of over 10 years and I had decided in 1991 to open up a Discover card, giving us one of each (MC/Visa/Disc). Newly married, homeowners, had a rental home, well, we just thought it best. Divorce finalized in 2001, and although my ex was making 5 times my salary, I took the Discover card bill as my son and I had to relocate in order for me to find a job and would need a credit card in order to rent vehicles for "visits" between ex and son.

At this time, there was only one late payment on this card that resulted from miscommunication during separation, yet that was enough to jump the interest to 22.99%. I paid $400 a month for well over a year yet hit a rough patch, calling Discover to see if we could reduce interest, thus, payments. They gave me a 6-month "deal", $106 a month, 9%. I think, great! At least until I saw that the interest was $100. One payment, I had to split up, the last $35 of the $106 was one day late and got hit with over limit charge And late fee, another $35 and $29.

When I was able, I kept up with anywhere from $200 to $600 a month payments, yet we never seemed to get anywhere. Initial balance was almost $9,900, yet by November 2002, I did have it down to $9,500 and felt like making a dent. At that time, I had not realized the card was not yet closed out of my ex's name, so while deciding to print off previous statements, I noticed a charge of $79.95 for a Discover Driver's Premier "thingy". Having no clue what this was, I called. Seems that even though we'd been divorced for a couple of years, the ex was still allowed to use the card I was paying on. They had contacted him in another state and convinced him to purchase it without my knowledge or consent (which Discover didn't seem to care about. It also was made clear that, even though I was responsible for the debt, I could not cancel the card. However, I did finally manage to get ex to close it out the end of 2002. Now the real fun begins.

The job I had moved to another state to closed its doors so unemployed for several months, I called Discover several times and guess what? Nothing they could do so it had to default. I offered to pay bits as I could, they said not good enough, i.e. "less than we can accept at this time." I just said whatever, it's all I could do and was trying to work with them, etc. Again, they just repeated not good enough. I had several calls from them over the years, the last resulting in an actual nice lady who said, "How about this? Since the card is in both your names and since he used it after the divorce, we'll only make you responsible for $5,500." I told her that would be totally awesome, yet interest still needed to be removed/stopped, but I would find a way to make payments on that! I awaited a letter confirming this agreement, but guess what?

I never got one! The next communication I noted received was a letter, stating it would be turned over for collection (which I figured was due by now). I replied to the letter, requesting again interest be waived and my offer to work with them, yet the irony. I used the address within the letter, yet that letter was returned to me 5/2/03, as non-deliverable, invalid address! The next communication I received on Discover's behalf was from some attorney group, stating it was turned over to collection. According to my credit report, Discover wrote me off as a bad debt 8/2006, balance of $9,388. Interesting as the amounts kept changing.

At any rate, once again unemployed and just trying to keep my son fed and housed, I tossed it in a drawer and said what the heck! My next communication was a notice that judgment had been awarded on behalf of this attorney group for Discover, in amount over $11,000. I was amazed, confused, and totally frustrated. What happened to the $5,500 "agreement" previously offered yet never confirmed by Discover?

I let that go as the due of my credit was already shot, being unemployed 3 times in 4 years was a massive strain and frankly, could do nothing about it. I think again this is the end, but no, not enough for Discover. They want you on the streets and I say this as September, 2010, my meager wages (I work for a pizza place, for heaven's sake!) are now garnished to the tune of an average of $25 a week.

On 09/21/10, I received an overdraft notice from my bank of $572.00 which was taken by Discover. I had spoken with their agent the week before and informed him that I am in the process of disability and had no money. I told him I would try to do something. He proceeded to tell me what I was going to pay and that he was going to take it out of my account. My payments were never late with the exception of once, in which I had not received a statement. I doubled it the next month and I often paid more than the minimum payment. My payments have never been automatically drafted. He stole this money from my account without my authorization. I said no!

On 10/5/10, I called Discover and spoke with Antoney (ID # **). I told him what had happened. I also informed him that I have a doctor's letter, stating very clearly that I am on medications that will not allow me to make any financial or other decisions at this time. I told him that this matter needed to be resolved. I handed the call over to Melissa **, who is handling my affairs at this time.

She reiterated the situation and said that since Discover did not want to resolve this matter amicably, then we would take it to the BBB and Consumer Affairs. Antoney transferred us to Kelly, who transferred us to Christy **, who said I needed to speak with Ginger in the Wire Dept. Ginger is apparently the only employee in this dept. I left a message for a return call. Ginger returned my call on 10/7/10 and said she was a bank lawyer to Melissa **. Ginger informed us that we would need to pursue this with my bank and was unwilling to resolve this matter.

Melissa ** then had to take over the call due to my becoming physically and emotionally sick. Melissa made it clear that this matter would be turned over to the BBB and Consumer Affairs. She also stated to Antoney and Ginger that if my physical and emotional conditions worsened due to their incompetence, then there would be additional problems added to this problem. Melissa ** did in fact have to contact my physician Dr. John ** in order to receive direction and medication to stabilize me.

Discover has taken advantage and stolen from a very sick, elderly, disabled, and heavily medicated woman. I believe Melissa and I have been very patient and have given them more than ample time to clear this matter up. So, I went to my bank and they began their process of recovery. Today, 10/20/10, after being transferred from one person to another, I finally spoke with Katrina in the Ohio call center to obtain the phone number they give to people that are having trouble with paying their bill. This is when Katrina informed me that the company would do nothing to help me. She also stated major discrepancies to my account, as follows:

My statement (in black and white) for 8/24 to 9/23 shows a credit limit of $10,500 with an available credit of $1,495. She said I was over my credit limit which is not true. They have changed my limit so they can place additional charges to my balance. She said I had a returned check on my account. But in truth it was their way of burying their theft. She said my pay off is $9,690.00. My statement shows $9,840.50. This was before they stole the $572.00. In fact, they are now threatening to raise my interest rate from 14.74% to 21.74%.

Discover has no intentions of resolving this matter in a fair and just way. So I, along with Melissa **, will pursue this matter to the optimum level possible. In fact, I believe they are harassing and trying to coerce me into obligating myself to them. Just today, I have been called 7 times between 8:37 am through 12:23 pm. That's ridiculous. Note: Melissa ** is assisting and handling my personal matters at this time, including the filing of this complaint. The BBB of Chicago, IL has this complaint of file as well.

They call me everyday except on Sundays two to four times a day. They say they are not breaking the law because they are not a collection agency. Calling this many times a day is harassment.

I just started using my Discover Card in April after leaving it in the junk drawer for eight years. I thought it was all right at first until I was working in a city away from my normal bank and used the Discover Card to get cash. It was a big mistake; the ATM not only charge you 1-2% but then these loan sharks at Discover tack on another instant 3% as well as put it in a higher interest rate category on your account. Federal law requires our agreements and the fees to be online and clearly written on bills.

Discover card minimizes the posting of interest to only your bill, and fees are written out but not clearly expressed as charges for cash advances from Discover. I thought they were initially the ATM fees until I looked real close. My normal bank lists the cash advance charge from the ATM on a separate line so I thought Discover was only doing the same. No, when I looked close the ATM fee is included in the amount and the fee is listed separately that Discover charges you.

I had taken out money once or twice in the last six months but recently used it four times in one month and I finally noticed the 3% filing fee piling up charges. My head is about to explode. My Military Credit Union does not charge these fees so I transferred my balance and told Discover to jam it. The interest on the transfer is even a sweet 5.9% intro rate.

Credit unions especially military ones are great and I recommend avoiding Discover and banks at all costs. I made a payment on a Mercedes for some scum bag executive at Discover Card.

I received notice about important changes to my Discover Card. I called to explain that I canceled this card numerous times starting back in 2003 and I demanded that they close this account immediately. Tasha refused to listen and continued on about how this would effect my FICO score. No matter how hard I demanded, they close this account, they continue to ignore my request. They said that even though there is no activity, the account stays frozen.

My aged Mother-in-law has a Discover card that she has used for a number of years that has a balance of less than $8K. Sometime ago either she was late with a payment by a day or two or they found some other excuse, they elevated her interest to 29% and have been billing her, for god only knows how long, nearly $220 per month in interest as a minimum payment which she has been dutifully paying. I only recently learned about this example of corporate extortion of the defenseless.

Discover has been taking over $2,600 a year from this 86 year old lady who is in poor health without reducing her account by a penny. Needless to say I am furious! I called their hotline immediately seeking to reach a settlement figure regarding this travesty, and after being passed through a number of agents was given to understand that Discovers policy was not to negotiate settlement issues. Pay the full amount or continue the 29% fees, company policy, no matter the circumstance. I immediately started my research into which this company and their managing CEO is that establishes and imposes such outright theft on the unsuspecting public. I learned that their CEO in one David ** who is the MBA excrement of the Harvard Business school professors which for the last 30 plus years have been subjecting the American public with an outpouring of people who are a greater threat to the nation than Al Qaeda.

To fully understand this all one has to do is look at the crimes of the Wall Street gang all largely Harvard MBA's. Needless to say this account will be liquidated immediately without hesitation, and I will campaign in every way possible to shine light on this kind of outright theft. I read with great interest the similar experiences of all those that have been bullied by this company and would ask that you also join in such a campaign. The contact information for these gangsters is as follows

I called Discover Card about five days after. I sent them an on-line payment to a cancelled account instead of my current Sam's Discover account (a different Discover). On-line customer service told me to have my bank send them a letter that the amount was removed from my account and that I wanted the amount returned to that account. About two weeks later, Discover calls me from the Research Payment office to tell me I do not have an account with them. I spoke to Lorrie. I then asked my bank to send them a letter saying the money came from my account. Then I e-mailed Lorrie at payment research that I request my $1,000 be returned to my account.

I hope to see my money. I have to wonder if Discover does not hold on to folk's money to make a bit of interest. There should be a law that a company must return your money in a week or pay interest if you do not owe them money. Better yet a $39 late fee, they may understand that better. I got a late fee from Sam's Discover and I had to use additional funds to pay Sam's Discover while I am still waiting for my money. After three weeks, I have not received my on-line $1,000 back to my back bank account from Discover Financial Services.

I called Discover Card about five days after I sent them an online payment to a canceled account, instead of my current Sam's Discover account (a different Discover). Online customer service told me to have my bank send them a letter that the amount was removed from my account and that I wanted the amount returned to that account. About two weeks later, Discover calls me from the Research Payment office to tell me that I do not have an account with them. I spoke to Lorrie. I then asked my bank to send them a letter saying that the money came from my account.

Then, I emailed Lorrie at payment research that I requested my $1,000 be returned to my account. I hope to see my money. I have to wonder if Discover does not hold on to folk's money to make a bit of interest. There should be a law that a company must return your money in a week or pay interest if you do not owe them money--better yet, a $39 late fee. They may understand that better.

I cancelled my account on 9.16.2010 due to fraudulent information by Discover card customer services. They claimed that my payment could not be processed because my bank "froze" my checking account. I contacted my bank immediately (since I have never had this type of issue with my bank in the 10+ years of banking with them), and was advised that the bank would not release any information to anyone if the account was frozen. And that there were more than enough funds to cover the $150 check amount. They would return the item (check in this case), inform the customer(myself by sending out a letter of item returned) and post it on my monthly statement. I've not received any of these notices!

Furthermore, Discover claims that they submitted the check & that the bank "told" them that my account is frozen. As stated above, the bank did not release any information about my account to Discover that would violate the customer privacy act. There are no records showing that Discover tried or attempted to cash or post the amount of $150, I mailed out to them. I have been paying on this account for over 1 year using the same bank account without any issues or problems at all. My belief is that since I haven't been charging anything on the Discover card & was just paying off the balance transfer at 0% until balance paid, Discover used this "trick" to cancel my balance transfer rate & apply a much higher rate to satisfy their "hunger". Bad business practice! Don't apply for discover--it's a scam in the long run.

Our business account was closed by Discover. We had opened the account and was charged $14,200 in July 2009 at 0%. As of this July, the account was paid in full. Our accumulated rewards were confiscated. My husband and I have had 3 accounts and 10 years worth of on-time payments with Discover.

I was informed by phone in front of witnesses that I had two student loan accounts.

I have had a Discover card since 1995. I started having trouble making payments about 4 years ago. I contacted them and told them I use the card to try to keep my business afloat. Needless to say I couldn't show a profit and eventually closed my business. I am unemployed and no source of income yet they still charge interest. I went from owing about $7,000 to owing over $12,000 with interest. I tried to pay $130.00 a month any way I could from cutting grass to babysitting. I made one payment and the next month couldn't afford to pay the payment. It was either groceries or Discover payment.

Now don't get me wrong, I made this debt, but they keep adding interest to line their pockets. I cannot pay if I have nothing to pay. Discover has already threatened taking me to court. I really want to know what they can take if I have nothing for them to take! I have become severely depressed and have the doctor's records and medication to prove it. What do they expect me to do?

In going through a recent hardship, I decided to put my Discover balance of over 10K into a line of credit/equity loan at 0%. I stopped payment for a month seeing that all I was paying was simply interest anyway. I made a few calls to Discover and asked for the best settlement amount that they could offer. I made 3 or 4 different phone calls, each representative giving me a better number.

So the last representative gave me a great number. I said I would call back in 2 weeks (when the funds would be available) and make the payment. They agreed. A week later I receive a call from a persistent operator from Discover who says that she needs a checking account number to hold the deduction amount. I declined because I wasn't ready with the new information at that point, but she continued to try and get any checking account number out of me to simply hold this amount of deduction. I declined and stated that I had already had an agreement to call back in a week and make the payment, but she kept on asking.

I then am told that the best that they can do is have me call my bank and try to stop the payment. I say to them, "You made this mistake; now I have to go and make all the phone calls?" They offered a manager to review the case and give me a call that afternoon and no one returned my call. I even called back in the evening, spoke with an entry level representative who stated I would get a call from a manager that night and I still didn't. Is there anyone I can call to report these scam/fraud artists? There has been no resolution about this situation. No one has even called me back! I would love to put a lawsuit on them if any lawyer is reading this!

I have Discover Card payment protection plan on my card. Unemployment hit us. We called protection plan number to see what they could do. I answered all of their questions. They told me we could use the benefits. They sent a form; we filled it out. They sent a letter saying we were approved. We did the same thing again after first term (billing cycle) was done. They sent another form, we filled it out, and they approved us again. Then on the third time we called, we answered their questions, they said we were still eligible; they sent a form, we filled it out, and they denied us. They told us the reason was because unemployment happened before we had the Payment Protection.

We looked on our past statements. They showed that every other month did not have Payment Protection listed as a purchase. Then we read this: "We may change the Payment Protection terms and fees at any time. However, if we make a change that is unfavorable to you or involves an additional charge, we will give you advance written notice and a reasonable opportunity to cancel without penalty. " Well, no notice at all. Perhaps they were taking out the payments, but listed them as interest charges instead of purchases. Then, every other month they were listed as purchases again. That is the only logical reason why the statements show that we had it, we didn't have it, we had it, we didn't, etc. At least we did get some "protection" during our two plus years of unemployment, about 6 months of 0 payments. Now, we have to start making monthly payments again. I hope that since they "caught their mistake," about the "time line" that we are not subjected to giant fees or worse!

My father died in May and he left an outstanding balance with Discover of $1,500. We received no nice letter asking when his debt would be paid. Instead, three weeks after he died, leaving behind my mother who had been married to him for over 62 years, his 82-year-old widow got a call from Discover CS demanding payment. My mother tried to explain how her husband had recently died and under the circumstances couldn't pay the full debt right away. She'd be glad to send money monthly. It was not good enough. The young woman asked if she had any stocks and bonds that she could cash in to pay it or could she borrow it from someone.

My mother was stunned that the Discover Card CS person would ask that. Yet, Discover Card has a high customer service rating. Is Discover going out of business without this $1,500? Still, no bill comes, just another phone call. She made a $400 payment over the phone. A couple of weeks later, she gets a bill from DCM Services, the Discover collection agency. There's no notice that it may go to a collection agency or any way to hold back on doing that. A nice company that hassles an 82-year-old widow. I will make ** sure people know how "great" their customer service really is. Discover **.

I did a balance transfer to a new Discover card because of a really good APR offer. My old Chase card had gone up to a variable rate after the economy collapsed, even though I have A+ credit. Over the next few months, I had several telemarketers call me wanting me to sign up for the Discover Payment Protection Plan. I declined every single time. The last time, the rep even started to ask personal questions such as, "Well, why don't you want this?" I told her that it was none of her business, and no thank you.

I did receive a package in the mail about the same plan. I did not respond, opting to shred it and throw it away. I never gave written or verbal consent for anything.For the month of July 2010, I received my Discover statement, and guess what? On the bottom is a $35 charge for the Payment Protection Program, which I never signed up for. I called them, and after a brief explanation, the rep supposedly removed that plan from my account. When I asked about a refund of the $35, she told me that it's not possible, and went on to explain that I had to give verbal or written consent for them to even put that on my account.

When I explained that I never gave consent, she basically blew me off. Consumers beware!

Six plus years ago I got divorced, moved in with roommate. I was able to survive. I had a Discover card. Roommates moved out, couldn't afford to live, ended up using the card when I shouldn't have. Made the minimum payment on time like I was supposed to. I called them and asked them if I could make a smaller payment or no payment that month, as I needed to go to the grocery store. I had hit rock bottom on funds. They told me that there was nothing they could do about it. I had to pay the payment.

They were very nasty about it. I did not make the payment, bought my groceries, and the following month continued to make the minimum payment. which accumulated each month with over due amounts, etc. I paid the payments each month until I was turned over to a lawyer. Then I stopped paying. Since then I have gotten garnished over $400 a month on my pay due to me not making that single payment.

At this point, I am hoping that I can survive the next six months until it is paid off. People I know tell me that I should get a Discover card, that it would make a world of difference. Yeah, it sure did, to my own detriment. My consequence was that now I can't afford to eat, let alone have a life. My job didn't take enough taxes out last year. I thought I was broke then now I am having almost the correct amount taken out. I can't afford to have the 0 deduction as I have nothing left to live on. I had bought a car prior to the garnishment, had I known that I would get slammed, I would never have bought it. Between the car, the garnishment and the insurance to keep the car, I'm out $1000 a month. My own fault for not trying harder to come up with a solution with Discover.

I contacted Discover on Thursday, July 15th 2010 to enroll in a hardship program because of my current situation. Bear in mind that I was current on my account at this point but because of unemployment and a recent illness to a family member I knew I would not be able to pay my minimum on my card as my interest rate was insanely high. I was offered an APR drop by Discover to a manageable 3.99% but told that due to a glitch in the system, they could not enroll me until Monday, July 19th and to call them back then to enroll.

When I called on the 19th, I was then told to call on the 21st as they couldn't enroll me then but would be able to offer me something similar on the 21st. I expressed that my payment would be late and they said "Don't worry you will not be past due for 30 days. Call back on the 21st to see what type of hardship program we will have for you." On the 21st, I was told that because my payment is now late Discover could not offer me anything unless I bring my balance current. Bunch of lies! I have completed lost faith in Discover as they only added more hardship to my situation. That's what I get for being in great standing with Discover for 10 years, the worst card I have. Unprofessional, liars!

Discover Card sent me a balance transfer solicitation. The offer seemed almost too good to be true, which it was. I was not actively looking for a balance transfer but when the offer for 0% interest for the life of the loan with a one time 3% fee for the transfer with a $25,000 limit arrived, I responded. I intended to pay off 2 other cards totaling approximately $11,000 with interest rates of 9.99% and 7.99% interest. The solicitation letter and envelope had "You are approved for $25,000" in large bold letters.

The solicitation contract was in very small print. Small enough that I needed to enlarge it to read it. In the body of the contract, it did state that this amount was based upon the respondents' credit. I never considered this to be a problem since my credit was very good. Three of my other creditors had recently increased my credit limit without my request. Two of these had increased my credit 2X in recent months. My debt ratio had been decreasing every month for several months.

I filled out the solicitation offer, clearly listing the account numbers of both credit cards which I wished to pay off and the exact amounts of each. This qualified for an initial offer and initial acceptance. After nearly 3 weeks, I had received no response from Discover so I called them. In 2 very lengthy phone calls I spoke with 5 Discover personnel, two of which were customer service supervisors and one credit supervisor. I assumed that these calls were being recorded. Conveniently for Discover, I would find they were not recorded, at least that is what Discover tells me. I do not believe them but cannot prove nor force them to surrender them to me.

If the tapes supported Discover's claims, I am sure that they would be able to produce them. I was told that the entire amount that I had requested could not be transferred. I was told that the maximum amount they would transfer would be $9,000.00. I immediately told them to cancel the entire issue and was told they could not. They really meant they would not. When I asked why I was never given a real answer, two supervisors told me that it had been sent to the Federal Reserve Bank. Neither could tell me what that meant. One supervisor told me that the transaction have gone to far. This individual could not tell me just what that meant. The change in the amount I had requested qualified as a counter offer which I clearly declined. So there was no valid contract.

When I asked why the entire amount had not been transferred, I was told that it was due to my credit. This was not the real reason. My credit was very good at that time. There was not one negative item on it and there had not been for 10+ years. One Discover representative told me that the reason for the $9,000.00 amount was due to it being the policy of Discover Card to grant only a maximum of $9,000.00 to new cardholders.' Discover knew very well that I was to be a new cardholder' when they sent me the solicitation whose main selling point was the large bold letters stating that I was approved for $25,000'.

Had there been a disclaimer regarding the $9,000.00 limit, I would have never responded. There was absolutely no mention of this limit in the actual contract, it appears to have been just one of Discover's unwritten policies! Discover received my response to their solicitation on August 3 but as of August 14, when I called them, none could tell me why it took so long to process.

Eventually, the $9,000.00 less the 3% transfer fee of $279.00 was transferred to the credit cards I had listed. Both banks were willing to transfer the funds back to Discover if I would authorize it. I contacted Discover numerous times via phone and letter advising them that I would have these funds returned if Discover would pay any return transfer fees and rescind the 3% fee they had already charged me. Discover would never do this. After 30 days, neither band would transfer the funds back. Discover petitioned the court for summary judgment for the return of these funds. Currently, I have a jury trial' scheduled which I requested. The outcome is to be determined at that time. Beware of any Discover balance transfer offers. If anyone else has been burnt by such offers please post your problem. The more of such experiences that I can cite, the worse it will look for Discover at the trial.

If anyone is foolish enough to enter into any form of agreement with Discover be very very sure that you record the call. Depending upon the laws of the state you live in, it may or not be legal to record the transaction without their permission. If you advise them that the call may be recorded it will be legal and admissible in court. This is exactly what they are doing when you hear the recording that your conversation may be recorded. I would also ask them if the call is being recorded. If not, I would request that it be. They may or may not grant this request but at least you can truthfully state that they had stated that it was being recorded or that they refused to do so. Either may help you if litigation should occur.

Finally, I spoke with several consumer advocates when I was searching for active Class Action' suits against Discover. Nearly every one told me that they could not understand why there was not more legal action taken against them. Discover certainly counts on this. My credit suffered dramatically. My credit score dropped from the mid 800's to a low (Experian) of 645. Once this item appeared, nearly every credit organization jumped on the bandwagon to take advantage of what they could prior to the new credit laws taking effect. Without the Discover issue, none of these firms would have had any excuse to do as they did. I have been turned down by 2 credit unions for an ATV loan.

One Credit Union did approve the loan but at a much higher interest rate 15.5% vs. 5.5%. Another suggested that I use my line of credit to purchase the ATV. The interest rate for the line of credit was 14%. I declined both offers. I have been turned down for 1 new credit card. I have been quoted a ridiculous interest rate by an auto dealer on a new vehicle. If I do not win my court case, this will remain on my credit a total of 7 years. Any item I purchase within this time frame will be at a much higher interest rate. At this time, I cannot put an actual dollar amount on the damages. These damages will increase over time.

In May, a Discover representative enrolled me in a 12-month automatic payment program in which I would pay a fixed principal and $47 on interests. The Discover representative informed me that I would not be penalized or accruing interest, other than the $47 for that month, if I would like to make advance payments or pay it off early.

On June 30th, the automatic payment still took place. On July 1st, my account was paid in full and the balance was zero. Discover confirmed that my account had a balance of zero and was permanently closed. On July 2nd 2010, I saw that the automatic payment was listed as one of activities of my online Discover account. To avoid any future debits, I also called Discover to cancel future automatic payments starting from July 3rd which was the beginning of the next billing cycle.

On July 5th, I checked my statement and saw a new balance of $171. Discover insisted that the amount of $171 was the total finance charges from June 3rd through July 2nd at the interest of 22.99%. On that statement, Discover modified the automatic payment item to show as a regular payment. Discover collected my automatic payment with the $47 payment on interest for the billing cycle from June 3rd through July 2nd but documented it later as a regular payment so that it could bill me the finance charge of $171 of interest accrued at 22.99% for the same billing cycle. Discover never bothered to mention anything about the interest payment of $47 it collected through the automatic payment for that month.

The bottom line is that Discover really does not care about the law. It just modifies statements, terms and conditions or anything at anytime that it sees fit to incur unfounded interest payment demands and steal from Americans.

Can someone please put an end to this illegal conduct of Discover? I do not owe this $171 finance charge because I already paid interest for the month. Discover cannot double charge the finance charges on the same billing cycle. I'd like to see that Discover removes this $171 and return my account to a zero balance.

Discover manipulated the change of due dates to cause my interest rate to jump from 5.99 to 29.99. It changed the due date to two days earlier than the requested date. Posted my payment one day after the new due date, caused my account to be late, kicked the interest rate to 29.99%. They never sent any notice for any change on due date or interest rate, and silently collected the interest payments over several months. When confronted, Discover only credited 350.xx when they collected over $3000 on interest payments alone. It took almost six months to get Discover to respond.

Recently, the full balance was paid off in full. It issued an official statement to show that the account was at zero and was permanently closed. If anything, I should receive a partial refund from the interest paid. In contrast, Discover slammed me another $171.xx of interest on a zero balance account on the next statement.

I would like to see that Discover refund the $4000+. It did not deserve to collect and that it should wipe off the $171.xx on the finance charges accumulated from my zero balance account.

The way Discover has manipulated the situations to rob consumers is uncivilized and un-americanized. It's illegal practice and should be stopped.

My interest rate jumped from 5.99 to 21.99 They say that it was because my promotion ended, okay, but I required my original agreement that they never sent me. They keep sending me the current agreements. Secondly, they never sent me a letter with the new interest as the law requires. Thirdly, my balance was $8,891.90. I sent the payment of $8,744.98 on or before the due date and the interest becomes $125.18 Wow?! "plus other interest of?"with total of $272.10. I don't think this is fair to pay in less than a month. I really owed them no more than or less than 100 dollars. But they asked me to pay the full amount. Even though I paid them all, I would appreciate an investigation on this matter and please ask them to refund my money back. Thank you so much.

There is a substantial balance on this account. I have implemented auto payment and have paid more than the required monthly payment. When this was first established the interest rate was 9.9% then after l year it jumped to 15.9%. I called the company and was told that I was on a payment plan and the interest rate changed with the end of the payment period ( first I heard of this) I was told I could be removed from the new plan and be required to pay 29%. I was also told that I might look for a different company and transfer my debt to another company and that I should appreciate what I was being offered. This was stated by a company supervisor. My payments were on time for greater than a year at that time.

I felt I had no other option so I accepted the 15.9% interest rate and continued to pay more than the required minimum amount. However, another year has passed and now my new rate was raised to 29.9%. My payments continued to be auto pay so no late fees and I continued to pay more than the minimum amount. I Called Discover Card today and was told that the new rate would remain in effect for 12 months but I could call monthly to see if any new programs became available. So $156.44 of $211 monthly payment goes to finance charges. The report from the Discover Card minimum payment warning states that it will take 50 years to pay off this debt. I will not be alive in 50 years. This is extortion. Our federal government has to pursue such wrong doing. I have owned up to the fact that this debt is my responsibility and am willing to pay it in full but not to the extent that for a $6,000 debt, I must pay 50 years and have an end cost of $44,448. This is a sin. This is evil.

My brother got a discover card in our name, we made a fraud report, we filed a police report, we notified everyone we could. Discover is calling us over and over and over, they called our boss, or work place, got us fired from a job. We wrote letters, certified letters, yet they hound us for a bill that is not ours, they sent the bill to my brothers address! He used his bank account to pay on it till we found out about it and filed the report. I cant take this I really can't. Discover would have known it was not us if they did a very simple thing like checking an address! OMG.

Now they found us again and now we will get fired again, even though we told them, our boss told them not to call our work, they do, daily 4 times a day. We are tired, my brother is getting away with this crap and laughing in our faces while discover won't even listen, won't go after him won't check the records to see it was his address they sent the card and bill to, his bank account that paid them. I so wish I could afford a lawyer, I would sue discover! !we are in our late 50's jobs are hard to come by and yet they hound us into a firing.

We have lost two jobs, our credit is ruined, discover wont listen to us, we have lost weight, cant sleep, and no one, not one person cares, it has been months and we still have not heard about the fraud we filed against my brother. The detectives don't call us back.

No one there can answer my question and I always get passed around. Why? No one wants to help there. I just want to be directed to the right person.

I paid off a significant amount of almost $10,000 of credit card debt. I then received a bill for finance charges the next month after I paid it off and closed the account. I contacted Discover to resolve this issue and it was not resolved. I know credit cards are able to waive fees when they choose to. I was told these finance charges were accrued the month before. After paying this amount of money you would think that they would just waive the finance charge, but they refused to. I have dealt with other credit card companies who have waived additional finance charges after I have paid them off. They are lucky that they were paid off and I did go bankrupt or utilize the new debt program established by Obama. It seems like you do the right thing and you continue to pay in the long run. Whatever assistance you can provide will be greatly appreciated.

I have taken personal loans from family to pay credit card debt. I am currently facing the possibility of New York state furlough. I no longer utilize credit cards, and like most people, I am living paycheck to paycheck.

Discover Card began calling our home 2-3 times a day in April 2010. They were looking for a person that we do not know, that has not had the phone number they are calling or lived at this address. After the first few calls, we made it a point to 'pick up' the phone and talk to someone as they had an error that needed correcting. Their repugnant refusal that we are the person they are calling and demanding our account information made us suspicious. So we asked them not to call back and immediately contacted Discover Financial via their web page and calling their 800 number. All that resulted from this is that they now have called us daily 5-6 times per day for this other person for a fraud protection inquiry.

This past week, they have called in excess of 5x daily Sun-Sat and will not stop calling. I can't sleep anymore without turning off our phone. With a dependent traveling the US on college break, this is very unwise. I have already lost several days of work as I was unable to sleep with them calling multiple times per hour once they knew someone was home. This is blatant telephone harassment, and I am not even the person they want to talk to.

Starting in Feb. 2010, charges started appearing on my monthly Discover card statement - I called Discover customer service, they gave me a number to call to cancel the Payment Protection service. I called that number, cancelled the service, but they will not refund the charges until an investigation is complete. They claim that there was verbal authorization for this service - there was not. Unauthorized charges of $182.00 over the past 3 months.

In December 2009, I over paid $115.95 on my Discover credit card, which showed a credit balance on my January statement of $115.95. February, March, and April, I have phoned, written, and e-mailed them to send me a check plus the interest for this credit balance. They refuse to return my overpayment. They have $115.95, my money, and they are not paying me interest or any penalties that they would have charged me if I owed them.

I paid off my account and when I returned from vacation I had an e-mail from Discover that my account had been closed "per my request". I never asked that my account be closed. I called the company and was told that I would have to reapply for a new account. My old interest rate was 8.32 percent and my new one would be almost double. I was told that they had a letter from me, which was not sent by me, making that request. I told them I wanted my old account be reinstated, which they refused to do. The only problem was with my credit rating showing that I closed the account.

Since 1994, I had a Discover card which I used on a somewhat regular basis, always paying on time and more than the requested amount. Then about 2006, I called and asked them for an interest rate lower than 19.74% / 24.99% / 7.90%--three different rates for one balance. If that is not confusing, I do not know what is.

So when I called, they had so many reasons why they could not lower my rate. So I continued to pay and pay for three more years. I basically stopped using the card altogether, and my balance barely changed. Then the recession started to affect me because of slow sales, as I am a merchant selling rubber stamps to the public.

I had to stop paying Discover card completely, because now, I am about to lose my home of the past 16 years because I cannot even afford my mortgages. That in itself is another horror story. Anyway, Discover card took to calling me at my home and place of business 5, 6, and sometimes, 7 days a week. I would explain my hardship to them, and they said they understood and that they would call two days later or sometimes in the same day. This went on for about 6 months, then they would call and leave a message of loud static that would go on for quite a while. They called from 8 am till 9 pm almost everyday. They even called on President Barack Obama's inauguration day.

Now Discover has filed a judgement against me. So Monday, the 3rd of May at 2:30 pm, I have to go to court to explain how broke I really am, as Discover card refuses to believe that people run out of money. On top of all this, they increased the interest to 28.99 %, add all this together, and you can see the pile of poo. Discover card now wants to keep polishing a turd. I do not know how things will turn out for me, but I will never use a credit card again. It's cash or nothing at all. These people at Discover break every rule in decency. Greedy guts, all of them!

They are unable to process my online payment even though I have used this same bank account several times before. They said they cannot find account even though they have used it before. They charge me late fees and returned payment fees yet, my bank has no record of them attempting to request any monies. I have confirmed the numbers with them (Discover Bank) and Discover says they are looking into it. This is the third time it has happened and the corrected their error the first two times with no explanation and have credited me some of their fees but not all of them. Who should I contact to complain? I will be sending them certified letters from now on as I get transferred to another person on phone all the time.

I decided to pay off Discover and planned to stop using their card so I called Discover and asked them to apply the "cash back" amount of about $50.00 to the card balance and I would pay the account off. Discover took back the "cash back" amount from the account and I paid the account off less the "cash back". Discover has since been billing me for the "cash back" and monthly fees. I did call them immediately when I noticed they removed the $50.00 and I was told a supervisor would call me within an hour and that was about 3 months ago and I have not talked to anyone with Discover. We have always paid the account in full from their monthly statement. My credit score has been over 830 for some time as far as I know. We receive many automated telephone calls every day from Discover in an attempt to collect monies I do not owe them. They are stressing us out by the barrage of automated phone calls but never a live person on the other end.

I applied for a Discover Card online with a very specific set of terms and conditions including interest rate for balance transfer, purchases, etc. that was not approved. I was then contacted by Discover with a counter offer by phone. I declined this offer. Several weeks later, I received the card in the mail (the one I had declined on the phone) and contacted Discover to correct the mistake using the Discover number listed on the origination packet sent by them. In speaking to their representatives, one of them stated that it was indicated in my Discover "record" that I declined their offer. However, they had already opened the account, transferred the unauthorized funds to another credit card company. They have yet to admit their error. They were going to retrieve the phone conversation where I declined their offer.

They informed me today that they only record these calls randomly and they were having trouble locating my call and this is why I was not contacted in the period they promised. They were kind enough to waive the transfer fees (please note the sarcasm), but will not reverse their error both in opening the account and the transfer, and have made it my responsibility to collect the transfer and return it to them. What if anything is my recourse?

I went through a divorce and got on a payment plan with Discover for a balance over 5K. I was on this plan for a year. When I missed one payment, they dropped me off the plan, jacked my interest rate up to 28.99% and reported to the credit bureau that I was three months behind. I called to see if they would accept a settlement which they won't do but they would be happy to take off four months interest. Whoopee!

Now, I only have to pay them the balance of $4300 in full instead of $4500. Not only do they not work with people who are in financial trouble, they make it impossible for you to pay the bill. You would think that if someone was on a reduced plan to start with that, they would realize jacking up the interest would only make it that much harder. Discover Card is only interested in money in their pocket and has no concern for people struggling in these difficult economic times.

This is just to inform all Discover customers, that Discover thinks that their Customers are stupid. I just recently signed up for direct pay for the minimum amount each month to be taken out of my checking account. They sent me a letter stating that my due date was on the 4th of every month but that my payment would be paid on the 9th of each month which is the "cycle date". I said I don't want my payment out 4 days after my due date because then it would be late. They keep telling me that it would not be considered late.

Well, maybe it would not be considered late but why can't I pick the date that it is taken out of my checking account for some reason "they are not allowed to do that, with the minimum payment' option. Well, I can tell you why. It is because in this way, they can charge you more interest that is 4 more days of interest they get to charge you and to a big company like Discover, that is a lot of money. Be aware people. Credit card companies will find new ways to charge you more interest and this is one way.

I hope you would think twice before you apply for a Discover Card. Discover manipulates various means to silently collect fees and interest payments, after they lure you to apply for their Discover card. It is a monstrous company so please stay away from it. I contacted Discover card as early as February, 2009, to request that they changed my due date to the 28th of the month, which was something that it had no problem to do as it stated.

Instead, Discover quietly changed my due date to the 26th, and never bothered to let me know that it could not accommodate my request or what it did. In May, Discover posted my payment on the 27th, and placed my account in default at an interest rate of 29.99%, with a late fee. Again, Discover failed to inform me that my account was in default via any type of communication media: email, snail mail, or telephone. But what it had never failed to do was to silently collect my interest payment at 29.99% for several months.

When I continued to request it to change the due date to the 28th, Discover ignored my email requests for several months. Discover online representatives made all kinds of excuses, until September, when they finally changed my due date to the 28th of the month. Discover also ignored my inquiries about the 29.99% interest rates, which it had silently collected from my payments. When I called Discover, their representatives acted ignorant and transferred my call from one department to another, until I got disconnected.

I sent letters to the Discover customer service department, but the letters were not responded to. I got frustrated and sent emails to the Discover Media contact. Only then, a Discover corporate representative responded, but fished up all kinds of excuses of how Discover never got the email requests from me, etc. It's corporate representatives never bothered to address why Discover did not make any attempt to communicate with me, to inform any change on my account such as interest rate change or the account being in default.

Discover only cared to establish its manipulated means, to shift the fault onto me, to unjustifiably collect the interest payments at 29.99%. On top of all that, early 2010, its representatives lied in writing stating that a payment was not received for a particular month, when Discover collected two payments from me for that month.

This is how Discover manipulates various means to rob consumers! Please stay away from it because it will never change. The sad thing the law is not doing anything to protect the consumers while Discover is manipulatively getting ugly on fees and interest payments. Discover has refused to make any attempt to provide payment assistance and continued to charge me a 22.99%, their prime+current market rate, after the promotional period. I can not continue to pay this skyrocketing interest payments; I don't even spend that much on food per month.

I always pay my credit card on time but I just recently noticed that the company had sneakily been charging me $44 a month for unauthorized payment protection plan on my credit card for so many months. I called the customer service and asked to get reimbursed, but I was informed that I had 30 day trial period to cancel. My Credit card balance would not go down because I was getting charged unauthorized fees.

In November 2009, attorney Sheldon ** made an unauthorized charge that exceeded my $12,000 credit limit. The credit card company should never have allowed an amount exceeding my limit to be charged to my account. I had asked in May of 2009 if my limit could be raised; the company responded that they give no one a limit over $12,000. If that is the case, why would they allow the limit they established to be exceeded? I sent a letter to Clint ** at Discover explaining the situation and the fees that resulted. Cynthia ** responded to my letter and addressed only the over-the-limit fees, but not the original issue, that of the authorization of going over the limit in the first place.

As a result of exceeding the credit limit, my account has been charged over-the-limit fees and extra interest, making it harder for me to pay the bill. Ms. ** stated that the over-the-limit fees would stop after February 2010, but that's only because of the new law that went into effect at that time. The previous fees have not been removed. I believe the company should refund those over-the-limit fees, the added interest, and restore my credit rating. I am unemployed and going through a divorce; how am I supposed to pay this overage that I didn't cause?

After Discover solicited for my business a over a year ago, Discover now informs me they are cutting my limit, based on my credit report. Discover then states that I have a right to get a copy of my credit report. This is wrong. Discover should be sending me a copy of the report they based their decision on, highlighting the issues they based their decision on. All a bank card company has to do is make the statement, not provide proof. I ask everyone to file a complaint with their government representative.

I have been a Discover card holder since 2001 while enlisted in the United States Air Force.They have been quite helpful in the past, until a slew of recent events involving Discover Card and their account managers have put my relationship with them in serious jeopardy. I understand I am among thousands that have had issues with them and I know that my problem is no more important than the next person. Discover card has led me on. They have called me a liar, and they have charged close to $200 to my account in which they refuse to refund.

Allow me to elaborate. Back in Sept. 2009, my vehicle was broken into. I lost close to $3000 in personal belongings as well as my personal banking information. I called the police and opened an investigation as well as received a police report. A couple of days later, I closed my bank account and opened a new one. I had my Discover card account set up to debit money monthly out of my account. After closing my bank account, I started to pay Discover card through my new account manually because I knew they could no longer be paid through my old one. For about 4-5 months I paid Discover card $50 a month until I got my life back together. I was never late on payments during this time.

Around mid to late December, I realized my account balance was going up ,not down. I knew something was wrong because I was paying almost $20 over the minimum payment. What I found out was that Discover Card was accepting my $50 payment and then charging me a $39 returned Check fee because they were attempting to debit my closed bank account. I called to explain to them what was happening and they handed me off to several different people who were all unwilling and seemed in no way interested in helping me.

I explained that this was a ** and that my records show that I have been paying monthly and that they were still trying to debit an account that was closed. I simply asked that they refund the money from the Return Check charges. They said for me to pay $90 and to call back once I did. So on the 8th of January, I paid as requested and about a week later, I called back. I explained that I had done what I was asked; now I would like to get my money refunded. They quickly started to hand me off to different account managers that all said they could not help me.

During all this, they made it very clear that they did not believe my story. I was pretty much called a liar. I have a police report and I can get any information they require from the bank but they were not interested. They took my monthly payment then proceeded to charge me a $39 fee for returned check because they could. In no way did they attempt to call or inform me of any problem. I was treated very disrespectfully! I was called a liar, and after 2 hours of phone calls and a letter to Discover card, they refused to help. They have absolutely zero integrity as a financial institution and they treat their clients/patrons like dogs.

I was given the address to their complaint department because they don't want to take phone calls from angry patrons to whom they rip off. In my letter, I again explained to them that all I want are my fees refunded to my account. They sent me a letter back saying that they received my letter and that they are missing information, they wanted me to call back so they can get the required information to complete their investigation. However, upon calling they informed me that the only reason they wanted me to call is so that they could tell me that they will not be assisting me with my problem. So again, they misled me to believe they were willing to help and again they showed their true colors. The only thing that will resolve this issue is a refund of all fees taken from my account from Sept, 2009 Feb. 2010.

Have used my Discover cash back bonus card for over a year and received 5% cash back bonus for all auto fuel purchases up to $100. I have never been late with a payment. As a reward, Discover card, without notification, lowered the bonus by 60% from 5% to 2%. I guess they needed my bonus dollars to pay their Discover card executives their multimillion dollar bonuses.

I use Chase bank to pay my bills online. Discover is the only bank that takes as long as 7 days to process an electronic payment sent by Chase. Discover says they process it when they receive it. I can't help but realize that Discover somehow purposely slows the process. I have an HSBC account that takes 1 day. I can actually snail mail my payment to Discover and it is processed faster? Discover refused to take off the late charge because the same thing happened 4 months ago. How is it my fault that electronic payments are slower than snail mail? By design is my contention. My total loss is $35.00.

Several consumers wrote re: their suspicions that Discover has intentionally not sent out notices. I didn't receive any for Nov, Dec and now Jan 2010. The only reason I am not more angry is due to my loving pit bull/terrier of a husband who will create positive resolution for me. Some may remember 10-15 years that I think it was United was sued for doing the same thing in order to generate extra money from us, the credit card victims. I hope there will be more comments so a ** -off lawyer can legally investigate this. Extra service fees, late charges. Coincidentally when I first spoke to their phone rep re: my concerns, she said almost the exact same things as another responder wrote. "They can't help if the post office sends it late". Maybe part of written script or told by the company to respond to us suckers.

I have been trying for years to get this company to remove this from my credit report. This was Victor **'s card as the sole responsibility. They could not find him at the time so they decided to harass me. We were separated and I had my attorney pay the full balance, not knowing that they would tag me with this on my credit report. It should be on his, not mine; he opened the account, not me. A few other companies I had this problem with--but with reason, they resolved it and was removed from my credit history. I still don't understand why this company will not. Please help me get this removed from my credit where it should not be. Thank you.

I had a credit limit of $15K with Discover and had a balance of $11K. I received a "0%" interest check from Chase (a card I had not used in a very long time) so I used it to pay down the Discover Card to $1K. Well, Chase then apparently decided that I had too much credit, reversed the charge to Discover. So, Discover then reduced my credit limit to $5K (keep in mind that I already had an $11K balance as my limit had been $15K and had never missed or been late on a payment). So, without even spending one additional cent, I was now $6K over my limit and they increased my interest rate by 3% on the "over credit limit" amount. How can they do this?

My husband and I divorced last year, and Discover card won't take his name off the card. I had the card in my maiden name approx. 7 years before we ever married. I had no problem with other companies and a Visa card. Discover card is the only company that will not budge. I have talked with several people several different times at Discover.

I used my card in mid-November and have since been waiting for a statement in the mail in order to pay it off. Since I hadn't received a statement by mid-December, I figured that the company was not sending anything out until after the holidays. When I returned home from my holiday vacation, I still had not received a statement and instead received a call on Sunday, January 3, 2010, of all times, from a lady from the financial services. I explained to her that I had not received a statement yet and she then proceeded to ask for my banking information in which I stated that I would not be able to do that but to instead send me a statement so that I could send off a payment.

She then told me that I had accumulated late fees and I told her how can that be when I did not receive a statement. I then asked to speak to a manager or supervisor and that I would probably be cancelling my card. She then told me that I would also have to pay penalty fees. I told her that this was not right and that I would like to speak to her supervisor. I spoke with a gentleman and told him the situation.

Instead of trying to rectify the situation, he told me that they are not responsible for the postal service! I find this terribly wrong and have never had any problems with my other card services, let alone the postal service due to the fact that I reside in a small community where even the postmen and women know everyone and would correct an incorrect address. According to the gentleman, I am responsible for their postal errors and that I will have to pay all penalty fees as well as late fees!

twice sending payment, thru mail when reciving statement thru ,u.s. mail stating no payment recive, 39.00 charge . when check`n with money order company , money order was cashed?

I applied for a 0% interest rate for balance transfer credit card. I made a balance transfer and paid my monthly payments until the company changed my due date to an earlier date. I checked and rechecked all my info and was confused as to why I even was late since I also signed up for the online email alert that notifies me 7 days before the payment is due. Much to my dismay, I was signed up for the alert to notify me when my payment was due HOWEVER, the alert does not get sent to you until AFTER you miss your payment. I was very upset with this because I have never been late on any payment with any company and this changed my 0% to 28%.

I called Discover and they said that they couldn't do anything for me, I ended up calling a few different people and none of them would help me. I called again to get the pay off balance because I don't want to deal with a company like this. I received the payoff balance from one of the representetive and paid it off via the phone. I also closed my account while on the phone. One month later I get a bill in the mail for $70. I called Discover to ask why I had an amount due when I paid the bill in full and they said that I had to pay that because even though I paid the bill in full I still had to pay interest on it for the rest of the billing period.

I talked with 2 other people and they all told me the same thing and would not take the amount off of my bill. I paid for it via the phone and the same thing happened the next month and they gave me the same excuse that this was accrued interest even though the payment was paid in full and the account was closed months before. Very sleazy company.

I am so fed up with the Discover representatives who do not seem to be on the same page when it comes to giving out information on their policies and procedures. I have been trying to get my APR lowered and was told to make 12 payments on time, call them after the 12th payment and my APR would be lowered. I did all this and then was told I can not have my APR lowered but now must go through a review which still does not guarantee a lower rate. I saw that others have experienced their due dates being changed without warning and that also happen to me. I can not believe they are allowed to do that! I luckily caught it in time. I have also called about getting on some sort of payment plan since I am struggling to make the $158 monthly payment which barely goes towards the balance and was told the only way the could help me was by missing several payments. Why would you advise a customer to miss payments! I am at a lost as to what to do. These people have the control and no matter if you are "good" customer or "bad" customer they simply don't care about anyone except getting as much money out of us....

Discover Card did not send my statement and changed my due date from the Second of each month to the 29. basicly they shortened by 3 days. When i paid it through my bank account on the 30 they charged me 19 dollars on 95 dollars ballance and 15 dollars minimum payment. I had the cad since 1999 and the payment always due on the second but last month they did not send me statement and changed the due date to the 29.

August 9 2009 I called to cancel Payment Protection and requested refund of charges, in October 2009 I was still receiving charges. October 6 2009 I called again requesting Payment Protection be cancelled and charges refunded.

Today Dec 15, 2009 I called and spoke to Brad Borchert a supervisor in Payment Protection. I told him of the two previous calls requesting the cancelation. He stated there was not record. I asked that he cancel the Payment Protection Plan and refund all charges. He stated he was only able to refund two months.

I asked for a supervisor, Brad said first he was the highest supervisor. I asked for his boss, Brad said the "boss" did not take calls. I asked that the "boss" call me then. Brad said the "boss" does not make calls either. I then asked Brad to send me in writing, either and email or postal mail, the cancelation request so I had written evidence of my call. Brad stated he did not have the ability to send me proof in writing of my call.

I am asking that the Payment Protection Plan be cancelled and all charges be refunded. My first call cancelling this service was back in 2007. I started using the card again Summer 2009 and the charges started reappearing. Total Charges are $247.15

My credit card payment date was always the 5th of each month. I pay online. Lately they have been playing with the due dates. 31st of the month, 3rd of the month, 4th of the month, & 5th of the month. It bounces back & forth between these dates. I would like to think this is innocent but I no longer believe this is true.

I do believe that they know exactly what they are doing. They want you to make a late payment. Therefore, they can increase your finance rate. My mother got caught in this same trap. As a matter of fact, this was the first time I was ever late with a payment. My mom was complaining about her payment date change & I looked at my bill. Guess what, my date changed also. I WAS LATE!

Great business they got going there! I really don't think this will change anything but everyone needs to be aware of the trap that credit card companies are now seting for the consumer. My rate is now higher, 27.97%. I have always paid my bills on time but it looks like I don't now, & I could not get a lower rate because of late payments & fees.

Did not get statement, noticed and when on line topay bill - they changed my due date by four days, so i was one day late, they reverse the late fee since I have been a customer for many years, HOWEVER, they changed my finance charge to 27.99!!!!! I have to accept it or close my account - I owe them $10,000! I have never been late in 9 years! Treat customer terrible, this is highway robbery!

I have been extremely disappointed with the various misinformation given to me by representatives of Discover. I was solicited over the years by Discover but had not opened an account until last year. On, 3/11/09 I called into inquire as to when my promotional rate would change and spoke to Rashida who told me that I had 0% interest rate on my account and that it would remain on my account but that in May 2009 I would need to begin making two purchases to keep the 0%.

When I saw the 29.99% I was furious and called in 5/14/09 and asked to speak to a Senior Account Manager and spoke to Ginger, who identified herself as such. She spent more than an hour on the phone with me apologizing and assuring me that she was going to RESET my interest rate back to the 0% and credit back interest that had been charged. She further explained that I would not owe a payment that month as the refunded amount would cover the amount owed.

Ginger explained that it may take a cycle for the adjustments to show on my statement. I believed this person who was extremely reassuring that she was fixing this error that her company had made. Imagine my frustration upon receiving my next statement. A portion of the balance was at a 2.99% and part was at 15.74%.

I called in to speak to a Senior Manager thinking that it just had not adjusted correctly and was to connected to a woman, who identified herself as Angela. She was both condescending and rude cutting me off mid sentence as I tried to explain what had happened. She not only indicated that she did not believe me but told me that Ginger is NOT an Senior Account Manager but merely a representative.

Finally, I asked to be transferred and spoke to Corey, who identified himself as a Customer Relations Manager and supplied me with this address. I do not believe that Discover has acted in good faith. I have been out right lied to and am very upset by the practices of this organization. Thank you for your attention in this matter.

My interest rate was raised to 15.74% the highest of any credit card I own when the conditions stated it would remain at the 3.99% for the life of the loan as long as I made 2 purchases ea. month. And I have been told by representatives that many people are given wrong information because representatives are unsure of Discover policies!

I received a phone call from a person claiming to be from Discover, who wanted to talk about a program from Discover last night. She said that I would receive something in the mail and then said that she needed to read two paragraphs to me. She raced through it, slurring words, etc. Thankfully I understood some of the last words stating that I was accepting this program. I stopped her and I told her no" that I was not interested in signing up for any program. She tried this trick 3 times! I stopped her each time and emphatically stated that I was not interested in signing up for ANYTHING that night. I find this sneaky and conniving. Discover should be ashamed of this type of business protocol.

I have been a discover customer for 20 years. I received a phone call from a person claiming to be from Discover, who wanted to talk about a program from Discover. She raced through something that i did not understand and then said that I would receive something in the mail. In my next statement I noticed i was signed up for Payment protection plan and charged an amount even though I did not ask for it.

When I complained to Discover, they said that I was signed up by them and the letter stated that I needed to call in order to cancel. My son had the same experience. except he remembers clearly telling the person on the phone "no" - that he was not interested in signing up for any program.

They charged me $22.81 on my statement and if I had not gone through line by line I would have missed it. I had to make multiple calls and send e-mails to get it canceled. A few more days and I would not have been able to reverse the charges. I have since found out that many people have been fallen into the same trap.

A couple of months ago I did not receive a Discover Card statement and luckily I noticed in my online banking that they had not received a payment for that month. I made the payment and then called them to tell them that the statement was not received. They asked me to check with the post office and that they had sent out the statement. I asked them what was the name of the person who did it? Of course, they cannot tell me. It's automated. I asked for a duplicate statement - never received. Now again I have a payment due in a week and no statement, but I have sent the payment anyway. I am wondering if they are doing this on purpose??? Anyone else not getting their statements regularly?

I have had a Discover Card for over 20 years. Throughout that period, I have never been past due. Currently I have a balance of approximately $2000 and until October 7, 2009, had a credit line of $7200. On October 7, 2009, coincidently 1 day before my 70th birthday, I received a letter in which they reduced my credit line to $1900. Along with the letter, they sent me my monthly bill advising me that I was $45 over my credit limit and if I didn't. reduce my balance immediately, they would charge me a penalty over limit fee. A review of my account indicated that I was on an automated monthly payment where I agreed to pay the minimum payment plus $100.00. Never past due. A review of my credit history indicates a new charge with Home Depot for a $3000 fence in June 2009 along with a credit inquiry for $10,00 for possible landscaping - which I did not purchase. I have high credit scores, no delinquencies and perfect pay history.

I criticize Discover for reducing my line of credit by over $5500 and reducing the line of credit below my balance owing and sending me a notice that they would charge over limit fees. They also increased my interest rates. I feel that they are discriminating against me because of my age. I have a yearly income of $100,00 and can pay their charges.

My daughter and I have been a discover card member since 1996. In April I mailed a $200 payment early, around April 6th on the 17th they called and said they never received it. They asked me for an electronic draft. I told them the payment had to be sitting on someone's desk because it was never returned. She kept insisting that I make a payment. I told her okay, but if they received my check please don't cash it. the next day both payment were cleared. that was a total of $400 I called and and wrote letters. The sad part was that only about $40 was applied to the bill. I called and my interest rate was increased to 26.9 percent. I wrot a letter to the above address, which took a month to get an answer. I was denied because they said I was late, Since 1996 I was never late. This is a crime legal robbery. I mail $200 every month and $173 goes to interest. I was never late and I have the checks to prove it. If my check was lost how come it cleared the same day that I made the electronic draft?

Same story here. I have always paid balance in full every month for nearly 20 years! Due to vacation, last month's payment was 4 days late and today I get hit with a huge rate increase. Customer Service was less than helpful. They did not really care. Shame on you Discover. This is not the way to treat your best customers.

I had two heart attacks that lead to a triple-bypass. I was not able to return to work due to my health. I had applied for medical disability and was waiting for a response. I called Discover Card and asked them if they could work with me until I get my disability money. I asked this Raymond if he would take $25.00 a month to show in good faith that I had no intentions of skipping out on them. He said NO to the monthly payment of $25.00. I told him that I just buried my mother and my sister and I was having a hard time even getting food on the table for my daughter. He proceeded to inform me that I over spent that it was my fault and I can keep the $25.00 and he is putting my account in the hands of a collecting company. A couple months later I again tried to make arrangements and this time I taked to a women who was very rude and insulting. She even suggested I kill myself and give them my life insurance(which I no longer can afford). Why is it that these people are allowed to be rude,insulting and be little you and they get away with it?

I also wrote them and they responded back saying it was their policy not to take anyones name off of any account. The only way to fix this is to pay off and close the account. I am beyond fed up with this and just want my name off the account. The account is over the limit and the bill does not come to me. My ex-wife is also the primary card holder on the account. Visa and Master card were more then happy to remove my ex-wife from my accounts. I have not been able to refinace my new home due to deliquent payments that my ex-wife has not made.

When I called Discover to pay my bill a few days late and asked them to waive the late fee, they basically said, "tough". Today I got a notice that I have "triggered a default APR" because of that one slightly late payment and my balance rate is going to 29% and my purchase rate to 24%. I am so angry that I closed my account, even though it is my oldest account and will probably negatively affect my credit rating. As a former advertising exec and executive legal assistant, I CAN tell you one thing, I will "bad-mouth" Discover every chance I get, to everyone I know, everyone I meet, and everywhere I can online. People who say, "There's no such thing as bad advertising" are totally wrong. Word of mouth advertising continues to be the most effective means- and I will do all I can to smear Discover's name as "consumer unfriendly and uncooperative".

As with many other postings, my payment due date was changed on my without advance notice, leading me to be late on payment. I was told it was one time change back in June 2009 but it was again changed in September. I believe they did this to kick me out of a promotional APR offer where they were making little profits. I spoke to several account managers and their supervisors to get this fixed. I am told on two separate occasions that my rate will be reinstated, and my finance charges credited back to me. They credit back once, but failed to reinstate my APR. Called and told by another supervisor that he would do it for me, but I found out when next statement came out that it was not reinstated. Needless to say, I received another finance charge. They blame me for not taking action and held me responsible for the last finance charge up until I finally paid off my balance so they could not jerk me around anymore. Don't ever believe what they customer service reps tell you. They lie and record things in your account about what they supposedly did or tell you that never happened. They just hold you hostage by not resolving your problem so they can continue to add on finance charges. I have had it with them. Discover Card will never get my business again. No wonder they are a distant 3rd or 4th in terms of competition with other credit card companies.

In my opinion Discover Card falsely advertized!

As per my fault, I was 2 weeks overdue on my credit card payment with discovery. While having dinner with my husband he receives a call on his cell. The account is in his name. I was never set up on the account for access because the paper they submitted requested our ss# on paper, and we thought it was too risky to mail that in. The only reason I needed access was for phone questions or over the phone payments. So instead, we set up an online account to make online monthly payments and not risk sending our social by mail.

It is my job to make sure all the bills are paid- because he is a surgeon and doesn't have time. So the lady calls, ask why our home phone number doesn't work, we disconected it after 2 years because a) we NEVER use it and b) the only people that call there are marketing people. She says our payment is late, my husband looks at me and asks why- I tell him I forgot about it. No big deal, I'll pay it tomorrow. Then the woman tells us that if we pay it immeadiatly that she will waive our $39 late fee.

So we interup our dinner, make our payment for 3 times the amount as an apology, and guess what? 2 Months later the late fee is still there. I have emailed them, twice. And ofcourse they don't care to respond by anything other than a generic email. I am appalled by their dishonesty. These are people who we entrust with our finances. Our investment in them means they have a job. How dare they be so blatantly dishonest? I am closing our account with them this month. And quite frankly, couldn't be happier about it.

My story or a rough cut of a letter that is truly still a work in progress is below, it is being sent to discover, no more 28% interest, no more debts that last 20 years because they are specially formulated to keep you in debt, based on the companies knowing your payment history that is what you are capable of, and hitting you with fees or an interest rate, to keep you in debt, it is IN DISCOVER CARDS BEST INTEREST FOR YOU TO BE SUFFOCATED WITH DEBT YOUR ENTIRE LIFE, no more!

I am a very dissatisfied customer and will also be submitting this letter with adjustments made per the audience to the Better Business Bureau, City, State and Federal business regulatory commissions, consumer advocacy groups, my local politicians where I first became a Discover card holder, and to the politicians where I currently reside, local, State and Federal. In addition I will wage an all out campaign against Discover Card and their unscrupulous practices via the internet. By any means necessary. I will give Discover Card 7 days from my mailing of this letter to address this situation, I will be willing to negotiate, initially, but in the past when I have battled capitalistic, corrupt institutions like Discover Card I have found they do not work with me until they see the full barrage one motivated consumer can wreak upon their business.

I have held a Discover card for over 9 years; I have 99% of the time paid my bill, in full on time. I have made a lot of money for [their]company. That is over. My credit limit is at roughly $5000, [they] loaned me $5000, how many times I have paid you $5000, for the privilege of that initial loan, and how many more times does Discover Card expect me to pay another, and another $5000 on that initial loan made to me years ago. [They] made [their] money off of me and we are through. I have not even used my card for almost 2 years only made payments and their that debt is unmovable...and not even just the minimum payments, we're talkng 300 dollars here, 500 this month, 150 another month...and the debt stays the same.

Discover Card has figured out a way based on consumers average payments, interest rate, credit limit et cetera to keep a consumer constantly and permanently in debt. [They] have consumers agree to changes in contracts, not by signing or even reading (Witnessing) the change but simply by continuing to use their card. So sell a consumer a Credit Card via an awesome 0%, no payments, incentives, cash back, sales pitch, then mail about thirty offers, junk mail, to the consumers house over the next year but one of those envelopes contains addendums to the original contract, like if you miss one payment not only will you be assessed a late fee (Double Jeopardy Punished twice for the same offense), but your interest rate doubles

I will not pay my Discover Card bill, not now, not ever. One more thing...recently I made a payment on my card at Sears. Discover card called me a month latter and said I owed them a 2 payments, and a late fee, and they are going to raise (Double) my interest rate, because that's what they do if you miss one payment...well, this is because they didn't get the payment I made...computer error...people error, don't know yet, it's under investigation

Because of a recent move from Florida to Washington State I was a little late on payments to a couple credit cards. Visa I had no problem with, but Discover Card was a nightmare, even after I called and explained that I would be a few days late. I explained that I live on a fixed income and would not get military retirement check until first of month. (I had never missed a payment before and usually added extra money to each payment) During about a two week period, the lady who had my account called me every day or two demanding payment or Discovery Card would ruin my credit. I repeatedly explained my situation. At the 1st of Sept I made payment. When I received my next statement there were additional charges. First I was charged $39 for late charges. These late charges put me over my credit limit which then generated an additional $40. When I called to get an understanding, I was literally laughed at and told to pay up. My complaint is the attitudes of people I dealt with. My experience was a total disaster and very degrading.

I admit that I still have a bitter taste in my mouth about the stimulus bill and the fact that all that money was given to the very institutions that already hold the heart of our country in their grips and fly around in their private jets to their various million dollar mansions spending the billion dollar bonuses provided by us consumers who use their service to keep our heads above water. The water they create with all the various ways they charge for using their service. My thought would be to let them go under and when they do, hold to bonus babies responsible with time in prison. Just like the old days and what they did with the other mofia leaders.

Discover Card Services has demonstrated extremely poor customer service. They transferred my GOOD standing account to a 3rd party attorneys office (Flicker & Associates) whose main purpose is to collect a debt. I received the 1st call from them in June, tried to get it resolved and got the run around. No one could provide me with definite answers, so I left a couple messages for Sharon, the manager and NO ONE called me back. I started receiving calls again just a few days ago. First of all, my account has ALWAYS been in good standing since day one, no late payments, and 99% of the time I make payments more than my minimum due, sometimes making huge payments. Now, when I call Flicker and Associates, I deal with case managers and their floor supervisors, who can't do anything but try to get the full balance due or try to work out a payment plan otherwise, my account will be forwarded to an attorney who will proceed with litigation and then I will be responsible for their fees as well. ABSURD!!! When I call Discover directly, they refuse to speak to me. It's not a matter of money, it's the PRINCIPLE of the matter. They've placed an enormous amount of stress on me and according to Flicker and Associates, the only way out is to do as they say and pay. Discover has down graded me for NO REASON. I am a responsible paying consumer and have the credit history to prove it. Discover has tarnished their name. I'll never refer them to anyone, in fact, I'd advise anyone to stay away.

My husband and i went on vacation to the grand cny,checked in on april 29th and returned home on May 3.When we recieved our discover bill on May 31 there was a charge from B and E appliance in burbank applied to our card on may 3rd.I imediatly tried to search this co. on the internet white pages with no luck,then Called discover to dispute charges.The next thing I know a Nick sends a letter on 8-25-09 informing us they have a invoce and we are reponsible for these charges.I obtain the phone# of B&E from discover and call myself.This business has no location they have never heard of me and claims not to accept credit cards as of 02-02-09 due to fruad issuses.another atempt in the amount of $2284.75 was made on may 25 at 5:06 pm,then on june 2 for $2858.44 at 7:05 and $1458.00 at 7:07pm which where denied.though this whole process ive ben treated like i was the one who's done something wrong in all this time they have not even so much as made a single phone call to investigate these charges,im upset by the way nick talks at me like we are gulty in some way and continesly hangs up when im talking with him.We did not make these charges and wonder if there is any justice here please help!

Though I did a Bal transfer in May 2009 The person I talked to at Discover charged the Bal to someones card other than mine. now 3 mounths later I find out about the (so called mistake) and now I cant get it completed. Phone calls min's wasted talking to Customer Ser. But they know NOTHING.

I have had it, they just lost another customer. acct closed. But banks need our money to bail them out. Is it any wonder they are in this condition.

my mom's credit card company. in april 09, we never received our bill in the mail and therefore did not submit payment. fought with discover and they only removed the late fee charge but we had to pay the finance charge. now it just happened again in july and now august 09 of not receiving the bill. my mom is currently in the hospital but i have been handling her accounts.

i have requested from discover to remove the late fee and finance charges but they only removed the finance charge this time and will not remove the late fee of $39.00. I swear that they are doing this intentionally but i would not be able to prove it. This has also happened to a friend of mine where the bill never arrived. This would be a way for them to collect money on those accounts who always pay there bills ontime every month like my mom always does.

I am frustrated and I have paid the full amount of the bill that was owed in July leaving only the late fee charge on the bill. I am refusing to pay this late fee charge but i can't get them to remove the fee and I cannot prove that my mom never received the bill. This is the only company that this has happened with so I am wondering if anyone else is having the same problems with discover.

I would like to have this late fee removed. We are not using the card any more at this time so i don't think there are any additional charges. my mom is 79 years old, does not have a computer so she still needs to be mailed the bills as a reminder to pay which she has always done for many years.

I am on a program because of financial hardship when I lost my job. I made payent arrangements. The day the payment was due, I made a phone payment. Later that day I openned a letter from Discover Card that said they were taking the money out automatically on 8/14/09 (the same day I paid the money).

I called and tried to get them to stop one of the payments, they said it was too late. They said they would try and find someone who could help me. They had me call back the next day, I did and I was told to put a place a stop payment with my bank. I did. My bank charged me $29.00 and told me there were no guarantees they would catch one of them but said to call back on Tuesday which I did and was told at that time one went through and one was stoppped.

On 8/20 I received a call from Discover Card and they said they did not receive my payment. I went online and sure enough, both payments were sent back so I went into Sears, with cash and paid the agreed upon amount, called Discover Card back telling them what I did.

Today, I receive my bill and there are two fees for $35.00 each for each stop payment from Discover Card. I call them up and ask they remove them since I did what they told me to do, speaking to a Jimmy who spoke to his supervisor or "Team Leader" went back and forth then spoke to Team Leader, BJ who basically wanted to change the terms of our agreement. In our agreement, the past due was still there but I did not need to pay it, just what was arranged when I went onto the program. Now he says, he wants the pass due then he will eliminate to two $35.00 fees, I said that was black mail, if I had that much money, I wouldn't need to make special arrangements.

Then BJsays if I don't pay it they could eliminate me from the special program. I asked to speak to his supervisor. He said he was the top guy, I said bullshit and would try and speak to someone else and hung up. Now they have in their records I swore, I owe the pass due and I hung up.

What a horrible company. All these years we had credit with them and never late, then we are going through a hard time so we make special arrangments, do everything they say and this is how we are treated. We'll see since the last conversation with Discover Card was today but I have too say, I would recomend everyone run and hide before signing up with Discover Card. They are a horrible, horrible company.

I just finished speaking with one of the four people I spoke with involved with discover. I am extremely disappointed in the way discover employees treat customers such as myself. I had called because I had previously been on two different plans through discover because of financial hardship (due to medical bills). After speaking with discover employees this evening they informed me of being on 5 plans which I only recall two.

I first spoke with a gentlemen whom told me there was nothing more they could do for me. then he transferred me to a women by the name of Michelle and then she refused to send me to someone else and told me their was no one else ( she was extremely rude as well), then to turn around and send me to another person by the name of Kim after I told her I would call corporate office.

Kim then proceeded the phone conversation. I explained that I was wanting to be put back on a program or left on the one I was on until I finished paying off the 455.42 because of finical hardship. she said that I had already been on 5 programs, and wanted to know if they had not helped out enough? rudely. Then I said that I wanted to speak with someone above her she refused and said there was no one else along with saying that she was not going to play managerial games with me.

I explained that I was not playing games but different people had told me different things before, and been able to help. She said that she was not going to help me and that discover would not be able to help me no matter whom I spoke with and that was final! She told me I was playing games several times, which I did not appreciate. trying to get your finances in order and paying off debit is not playing games in my book. I finally had all of the harassment from her I could take and hung up the phone after her raising her voice and becoming increasingly disrespectful, along with me raising my voice.

Because she would not give me a number of someone above her I decided to call the number back to speak with someone else. I spoke with a woman named Stephanie whom I asked who I would contact about a complaint. she explained the manger positions and all that, and said that she could let me speak with a team leader I said okay.

I spoke with Kim again, upon answering the phone she introduced her self, and I said I believe we have already spoken and she said that I could call back all I wanted and I would still get the same answer, and that they would not help me out. that they had helped me out enough and that they have done all they could. I said I am trying to contact someone about your performance. she talked over me pretty much the whole conversation.

I told her I would call back 100 times if I had too, she said that it was my phone bill, and my money, then she said I could call and harass someone else Monday. I said I am not harassing anyone. I simply ask you for a number, I said you are the one harassing me. and then she proceeded to say that I was belligerent, I said I have not been belligerent, I never used one fail word.

I am so disgusted I would never, ever invest anytime with discover again. I can not believe how their employs are so rude, and inconsiderate of others feelings. This is a disgrace to mankind. My husband would like to know where all of the stimulus money went too.

charged for something i did not order. will no remove charge

Changed my due date of payment without Notification.

Now charging me late fees and higher interest rate after getting things taken of once already.

They also raised interest rate to 35% without any notification.

Discover card reset my rate (never been late and excellent credit rating)from 3.99 (transferred and paid fee to garner the rate until paid off)to 13.99 and now unannounced last month to 18.99. The excuse from banks is regarding the pending legislation to keep them honest and communicate in a proper fashion, they feel pre emptive adjustments are warranted.....WRONG and I will pay off $4500 by December and they will never enter my house (or that of my relatives)again.

First, let me say, I have always been prompt on payments and take great pride in my near flawless credit. DISCOVER CARD did some VERY "shifty" things that I consider VERY dis-honest. It's NOT like they have the lowest interest rate to begin with!!! They changed my payment date without "properly" notifying me! They may have some "fine print clause" that says they can do this, BUT it is a very nasty way of "ILLEGALLY" charging customers for being late and an excuse to raise interest rates. If they moved the due date AWAY or FORWARD it would be different, BUT they shortened the period I had to make my regular payment!

Please do something about these crooks! It was MUCH to my surprise, since I have paid "ONLINE" and don't receive paper statements any longer. NO NOTICE WAS GIVEN VIA EMAIL OR POSTED ON MY ACCOUNT, AS SHOULD HAVE BEEN! I have since closed the account, but too my horror, upon checking, to be sure, NO MORE UNEXPECTED CHARGES, were being launched, that I had a balance showing on my account. THIS IS AFTER I CALLED THEM AND PAID OFF AND CLOSED THE ACCOUNT!!!. Seems it takes 72 hours for "part" of the final payment to post?? They don't want to close the account. Another crooked thing they do is require that your "payback bonus" be in $50.00 increments??? in order to receive??? I left $30.oo plus dollars in the account because; "it hadn't reached the $50.oo increment"???

HOW MUCH ABUSE IS THE GOVERNMENT GOING TO ALLOW?? High interest rates on these crap cards, are the reason they are IMPOSSIBLE TO PAY OFF!! I say cap all credit cards at 10% interest!

This never happened. My statement was still showing the same interest rate so I called and spoke to several people who indicated that nothing was noted on my account that my rate would be lowered to 15.9%, though my payment $302 payment was processed and auto debit for $154.00 per month added to my account.

Same old story. Discover decides to charge me around $25 a month for the PPD (PROTECTION PLAN). Strange how the first month they didn't charge, then the next month and on they did.

I was charged 4 months.

I called the rep, and told them, you know I am not the first person to call about this, so what is your policy? Their policy is they will refund the past 3 months.

Then you have to mail the other charges to their dispute department. I will see what they do.

They know what they are doing. They are greedy you know whats. PLUS, they get to keep the interest they made on all of those charges if you think about it. If that totals up to say $10 per person, they make millions in interest on these PPD charges.

I curse them.

I was contacted by a Discover Card protection plan telemarketer on 3/6/09 about enrolling in their protection program. I did refuse this offer. I don't really check my statement that often, my wife pays the bills. I did check my 6/09 statement though and found a charge from discover cards payment protection plan for the amount of $121.50. I then called discover to question this charge. I asked operator how many other times I've been charged for this plan, they said 2 other times for a total of $357.20.

I told then i didn't sign up for this program and they gave me the phone # of the of the payment protection department. I called this number and explained the situation and they said the they would cancel this program and refund 2 of the 3 payments or they would go to the tape of the call . They said if they did go to the tape and they found that I did in fact ok this service, there would be no refund. I told them to go to the tape then because I know I didn't sign up for this program. They said that they would contact me in 2 to 3 weeks time and that I would be able to here the recording.

After about a month I called them and they that say that they refunded the $357.20 to my account. Three days later I got a letter in the mail from Discover stating that the refund was reversed upon review of tape. I contacted the protection plan department again and I was very upset. They said that they could not play the tape for me and that was it, there was nothing further they could do the case was closed.

When I asked for a supervisor they got real nasty, and the person that picked up was no help either and stated that I would have to sue them to hear the audio recording. I've invested probably 4 hours of my time and told this story to at least half a dozen operators in 4 departments at good old Discover Card, to no avail.

I'm sure that Discover Card is getting enough complaints to look in to this issue. If you type "Discover Card payment protection" in to Google, the 9th entry that comes back in the search is Discover Card payment protection Fraud." There is at least 2 pages of websites that pertain to this issue, I can't see how Discover card could not know about this problem! The damage that resulted from this issue is that it cost me $357.20.

Discover card credit card services are taking unfair advantage of its cardholders. Discover card has recently switched from a monthly billing cycle to a 25 day billing cycle. On top of this change, Discover card is charging everyone who misses their new billing date $19.00. This happen to me. I was unaware of my newly imposed billing date and when I went to pay on my normal time, I discovered I was late and had been billed $19.00. I pay my bill online every month which requires logging in to Discover cards website, Discover card could have easily forced me to realize my due date was going to be different so I could have avoided the late charge by making me acknowledge a pop-up box of information explaining this before allowing me to proceed with last months payment. I believe Discover card purposely didn't take adequate measures to inform its cardholders so that it could collect millions of dollars in late fees.

Discover card claims that they adequately notified all of its cardholders, however, when I talked to the help desk, the discover card rep stated that 75% of the call-ins she was receiving was to complain about this deceptive practice. The Discover card rep used the term inundated to describe the number of calls Discover card was getting.

In addition to the late payment, Discover Card has redefined the number of billing cycles in one year from 12 to 14.6, which amounts to 2.6 more opportunities a year to penalize people for not paying on time. Basically, they are taking advantage of people.

I just received a letter from Discover stating that they have decided to close my account due to "past and/or present delinquent credit obligations." This was news to me so I double checked my credit report immediately and my credit is in good standing with no negative items. I then called Discover and was told that my card had been closed due to inactivity on my account. (I rarely use this card - it was my first credit card and since I've had it since 1998, I keep it open). I'm still not sure of the real reason my account was closed. I am sure, however, that Discover is not being open and honest with its customers.

Here is a copy of my letter to them: I just realized on this statement that you have increased my APR to 26+%! This is totally unacceptable! You did not notify me or anything! The statement says I am over my credit limit and charged a fee for that as well! Of course, I am. My interest is much higher than 1.9% on my balance transfer and the nominal % on other purchases. I'm sure your excuse is because I was 4 days late last month and I believe one day late the month before. However, if you look at the length of time and that fact that I have never been late before, not to mention that my credit score was and should be still in the low to mid 700s, it should account for something.

The sad thing is money is not the issue! I am running 3 businesses and just dropped the ball on getting it in on time due to the hecticness of the previous 2 months. I refuse to do business with companies who take such advantage of their customers. If money was an issue and I was struggling to pay my bills, this type of behavior certainly wouldn't help me to keep my head above water, or encourage me to pay you especially when my minimum payment just went up $50! That is grocery money to some people right now! You should be ashamed of yourself! Discover will never be in my wallet again! Obviously, it makes my ability to pay off this debit a much slower process. Of course, I will be seeking another company to roll over this balance. There is no way I am paying 26% interest especially when 5 days behind the due date once is certainly no cause for such drastic measures!

I make my payments online every month. When I went to make this month's payment, I found my payment had increased by $30 due to a rate increase of just under 11%. I was dumbfounded. I immediately called Discover and was told the increase was due to a late payment last month. Having made my payment on the same day for years, I was a little confused. It turns out Discover had moved my due date up by a week last month. I wondered why I hadn't been notified but there was no explanation for that other than Discover has done that to a number of customers.

As for why the date was changed, the representative could not give me any explanation for that either. To add insult to injury, I was charged a late fee. In light of the amount of interest they collect every month, their late fees seem a little excessive. The representative removed last month's late charge but I will probably be charged on for this month and will most likely have to pay it. They also agreed to change the due date and adjust the interest rate, effective next month; however I am livid over the rate. It could not be changed back to what it was (& that was already a penalty rate for a payment that was one day late in a prior year).

It is outrageous to me that they can and will do this to consumers. I think a lot of responsibility for the current economic crisis falls on their shoulders and they continue to add to it.

In February 2009, my husband and I called Discover Card to close our account. They begged us not to close and offered us 3.99% for the life of the card. We agreed to keep the card because of the good rate. Recently, I received my bill and "discovered" the rate increased to 12.99%. We have never been late and actually just received a credit increase. I called Discover and was told, "Due to the current economy they've had to make some changes, etc." I was floored and cannot believe they can do this. I feel they lied to us, they feel it was in the fine print. Unfortunately for them, they have lost a good customer. We paid off our balance and closed our account. They could have made 3.99% off of us - now they will make nothing.

I've had a Discover card for about 5 years with an APR of 7.99%. I signed up for paperless statements and email due date reminders a couple years ago. My due date has been the 15th of the month, and my e-mail notifications have always come in about a week beforehand. In May, my due date was approaching, and it dawned on me that I hadn't received an e-mail notifying me of such.

So I went to the Discover website, and lo and behold, my due date had been moved up a week. I called customer service and asked what was going on and was told I had been notified back in February that my due date would be changing in May and I would be charged a $19 late fee. As underhanded as that is in itself, I asked why I hadn't received my regularly scheduled e-mail reminder and was given no explanation. I've never been late with a payment and argued that Discover created this situation and that I shouldn't have to pay a late fee. They did credit my account the late fee.

Fast forward to June's payment. Again, no email due date reminder, though I have received other e-mail from Discover. I was onto them this time though and checked early. I also happened to check my APR, and it jumped from 7.99% to 24.99%. I got on the phone again and was told it was due to "my" late payment. In hind sight, I feel sorry for the poor customer rep, who received my litany of profanity because I totally lost it. When I pointed out I was only late because of a situation Discover themselves had created, she agreed to lower my rate to 12.99%. I said that was not acceptable, and she said that's what everyone's rate was going to due to market conditions. Ugh!

I have a balance transfer with a 3.99%. I was solicited over the phone to purchase a Payment Protection Plan with interest rate 3.99%. I cancelled the plan on 04/09/09. The rate became 10.24%. I was told by Corey, a supervisor, that he is sorry that I received wrong info. Although the Payment Protection Plan is cancelled, the amount keeps increasing because monies sent only go to the balance transfer.

Be aware of split charges! The interest rate on my Discover Card is 10.99%. I originally signed up for this card as a balance transfer for a very low APR. After the transfer rate expired my rate went to 10.99%. I have not used this card for purchases since. On my June 2009 bill, I noticed that there was a charge for $163.98 as a purchase at a 15.24%. I had not made a purchase. The itemized bill also did not reflect the purchase. After much discussion and the initial accusation that I must have made a purchase, it was finally discovered that "someone" in billing "accidentally" split my balance between the 10.99% and 15.24%. Apparently, this was unusual and no one, including the supervisor, could explain how this happened. 45 minutes later, I was assured that the mistake was theirs and that my account would go to the correction team immediately and the money that was split would be credited back, including the interest. I received my July 2009 bill and the correction has not been made, which means that I have been continuing to accrue 15.24% for the last 60 days.

I called on July 13, 2009 and the "account manager" informed me that the request for correction was sent to the wrong department. She emailed the correct department while I was on the phone. I requested the return of interest to be added to the changes. Her comment: "What makes you think we wouldn't do it?" My response: "Because I can't count on Discover fixing since it was not handle correctly the first time." Her pleasant demeanor vanished. I wonder how many people Discover Card has done this to. If you're not vigilant in reading your bill, perhaps this type of tactic would go undiscovered for months. I'm thinking that perhaps this is some type of internal scam. I'll wait to see what happens on the August bill.

I have been a Discover card holder for thirteen years and recently, was shocked by their fraudulent offer to decrease my APR. In January of 2009, I received a call asking why I had not been using my card. When I explained that the APR was too high, the representative offered to lower the APR to 11%. She also signed me up for a Credit Tracker program for $7.99 a month. I gladly began using my card and was shocked when I noticed the APR at 22.24%! I called and was told that my account APR had only been lowered to 19% (not the 11% as promised). It was also explained to me that my APR rose from the 19% to the 22.24% as a result of company policy.

Firstly, I am positively that the APR offered in January was 11%. I am truly amazed that a Discover representative would lie about my APR in order to get me to use my card! When I complained to customer service, they were unwilling to even investigate the situation. Secondly, I don't understand the justification in increasing my APR when I paid on time for years. Customer service said that the APR increase was not a reflection of my payment history or credit rating - they merely increased everyone's rates due to a "company policy."

I closed the Credit Tracker program, closed my Discover account, and made a formal complaint with the FTC. The consequences are; fraudulent interest accrued and illegal increase of APR.

About mid-June, I went online at Discover.com and signed up for paperless billing. I received an email back saying my billing due date had been changed. I called and told them, "No, I did not want my billing date changed." They told me on the phone, "Okay," and told me it was corrected. My last payment made was on 5/24/09, so I went online on 6/24/09 and again on 6/27/09 and the amount due was zero. Then, a few days later, I got an email notice that I had gone over my limit and a $39.00 charge was added. The total amount due was $176.00. Since they refused to remove the $39.00 charge, I made a $20.00 payment online and will do so until it is resolved.

I was laid off from my job on 9/08 while I was on FMLA and being treated for a herniated disk. I suffer with severe daily pain in my neck from fibromyalgia and from non-restorative sleep. I have been living off of $300.00/week unemployment and don't know if I can work again and may have to file for disability. The stress from dealing with Discover sent me to bed for two days with pain and increased my blood pressure and heart rate. Any advice would be appreciated.

Hello, this is Patrick of Washington, DC (July 2, 2009). After filing my complaint with you (see posting) and with the Better Business Bureau (BBB), Discover responded to my BBB complaint and agreed to notify all the credit bureaus to remove the delinquency notice. So there is hope for Discover Card after all. Thanks for listening.

I have had a Discover Card for probably 10 years and have had credit limit of $14,000 which I have never come close to using. Well, I used my card a couple of weeks ago buying gas and it wasn't accepted. I looked online and found they had lowered my limit to $500 and hadn't informed me. They charged me $39 for going over the limit. I then received in the mail saying they were going to lower my limit after they had done so. This is a scam. I have never missed a payment. This should be considered fraud. They can shut the credit off and not allow you to charge any more so that you don't go over the limit but they allow you to go over the limit so they can charge you and they don't inform you before they do it. Everyone should file a complaint with Federal Reserve.

On Nov 27, 2008, I wrote a check # 162 for $500.00 and mailed it along with my statement stub to Discover Card using the envelope they provide. On January 3, 2009, I learned that the check was not cashed and I called Discover and made a $1,000.00 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.

My otherwise currently perfect credit record now has a delinquent payment report on it, which is bogus and fraudulent.

Months after I got my credit card from Discover, I saw that they were charging me "PAYMENT PROTECTION PPD 1-877-883-1959". It was only a few dollars but I was curious to what it was because I had not signed up for any payment protection. Well I called the number and they said somewhere or somehow, I must have signed up for it because Discover would never charge me unintentionally for anything it was easily canceled and forgotten about.

I checked my bill the next month and there was no charge, so I thought the problem had been fixed. Well, this month, I was looking at my bill and it was there again! It was not only a few dollars as it had been before but $11.00, which had caused me to go over my limit! So I looked through my bill and realized that they had still been charging me for payment protections and for almost a year and a half, charging me more and more every month.

So I called the number again and got the same spill about Discover would never charge me for anything unintentionally and blah, blah, blah. I got them to stop charging me but I am most definitely going to be watching my bill closely every month to see if they keep charging me. If they are, I will definitely take legal action. This is crazy. I urge all of you to check your bills and make sure they are not charging you for PAYMENT PROTECTION PPD 1-877-883-1959!

There has been a multitude of issues regarding my Discover account and I am hereby requesting your immediate attention. I have been a loyal customer of Discover card since 2007. Unfortunately, I have had issues with unauthorized charges to my account by Discover and receiving my monthly statement either after the due date or not at all. In February 2009, I received a credit of $28.43 after noticing on a previous bill a charge by Discover for Payment Protection. I never authorized nor was made aware of this charge until the bill arrived. I had to call Discover for the charge to be removed and I am sure I was charged interest to my account for the time the charge was on my bill without the correction of fees.

After not receiving my April 2009 bill, to avoid a late payment but not knowing how much was due, I contacted my bank and requested a payment of $100 to be sent to Discover. On April 24th, I received a telephone call from your representative, Jessica, informing me that my payment was past due. I explained to Jessica that a payment was already in process through my bank and I also informed Jessica that I was unhappy that I was being penalized for a late payment when I was not receiving monthly statements. Jessica went above and beyond to achieve my customer satisfaction. She told me that if I set up an automatic payment with her on the telephone of $107.45 in addition to the $100 my bank was processing, my account would be brought current until June 2009. I processed the payment thereby making my total payment for April and May, including my bank draft, $207.45. Jessica then informed me that I would be receiving a credit of $117 for all the late fees since I was not at fault due to the missing statements.

Further, Jessica was kind enough to review my interest rate history upon my request. Jessica informed me that if I agree to set up an automatic payment schedule, allowing Discover to take the payment from my checking account each month, she would reduce my interest rate to 9.9% and then after a period of six months, my interest rate would reduce to 4.9%. She told me each month my minimum amount due would decrease because I was not using my card and my interest rate was being reduced. She said the current minimum due was $101. I agreed to this automatic schedule and Jessica informed me that my monthly payments would be $101 going forward and would be an automatic draft from my bank on the 16th of each month beginning in June. She explained any payment over the amount due would go towards my principal balance. She said starting in June, I will be over the amount due if I continued not to use the card.

In May, I did not receive a statement in the mail, once again, so I do not know if the $117 credit was processed. In June, I received a letter dated June 16, 2009 stating that my automatic payment of $101 was scheduled and will be processed by my bank. Therefore, I was confident in believing that Jessica followed through with everything that was discussed. Sadly, this was not the case. I received my June statement, with a due date of July 16th and was quite disturbed to see that my interest rate was still 25.99% and that the minimum amount due was not the $101 that Jessica had scheduled but $102; therefore, unless I made an additional $1 payment I would be subject to additional fees. I asked my husband to immediately telephone Discover Card and he was connected to one of your representatives. He informed the man of my April 24th conversation, provided him with Jessica's ID number and my confirmation number. This man was unable to assist him because he said he was unaware of such a promotion to customers who have Discover take payments from their account. My husband then spoke to the representative in hopes of clarifying this situation to no avail. My husband then requested to speak to a supervisor. He was connected to a woman by the name of Rachel.

Rachel was the most unprofessional individual that both my husband and I have ever dealt with in our life. Rachel began the conversation very abruptly telling my husband that my interest rate is 25.99% due to my late payment history and that it is not changing. He reviewed my April 24th telephone call that I had with Jessica, explaining the issues with receiving my monthly statements, etc. However, Rachel did not want to hear anything he had to say. She kept cutting him off telling him that I am obviously confused or just stubborn and also accused him of being head-strong. After being verbally abused by Rachel, my husband asked me to please continue the conversation. I took the phone and explained to her that I was not confused and proceeded to explain my conversation with Jessica. She was yelling at me telling me I was basically a horrible customer and that she is trying to explain things to me yet I am totally confused and strong headed just like my husband. She then told me that my interest rate has been 25.99% for over a year.

I corrected her on her faulty knowledge, for I have a February 2009 statement in which my interest rate was 17.9% not 25.99%. Rachel dismissed me yet again and informed me that unless I pay the extra $1 that I will incur late fees. She also told me that due to my interest rate that my monthly minimum amount due would continue to increase and would not be the $101 a month that Jessica had informed me. I asked her to stop and to listen to me because what she was yelling at me did not make sense. How could my amount due increase if my interest rate was lowered and I was not using the card? I had to call her name 3 separate times with a long pause for a reply because I think she placed the phone down while I was speaking. She then said sarcastically, "I was listening like you told me." She continued to insult me on my confusion, lack of understanding and being stubborn. After more time wasted, she agreed to lower my interest rate to 9.9% for a period of one year and refused to credit me for the difference of the 25.9% being charged since April and refused to lower my interest to 4.9% in 6 months as Jessica had promised.

At this point, I was very upset and in tears due to the continued tone and disrespectful language she was directing toward me and asked her to continue speaking to my husband again. At this point, my husband informed her that if Discover Card does not honor my April 24th telephone call with Jessica then he will have no other alternative but to contact the Better Business Bureau. To his utter shock and dismay, Rachel then told him that if we report this to the Better Business Bureau that she will ensure that my interest rate remains at 25.99% going forward. Our exchange ended without Rachel connecting us to the survey to evaluate our experience. We are in our rights to report any company to the Better Business Bureau if an agreement is not being honored; therefore, this threat is against our rights as a consumer. My husband and I have never been treated with such disrespect by any company in our life. Due to this situation with Discover, I was charged added interest on my account, as well as late fees, and was stressed from being verbally attacked by one of Discover's employees.

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 totaled up to $12,000.00. 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 $2,500.00 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 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.

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 nor was it 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 ** 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. I've taken a serious hit on my credit rating because Discover was my longest held account.

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 the 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 amount of money being returned. But they didn't investigate the 2 payoffs of $8500.00.

I had a due date on the 18th for years. Payment was set up to be paid on the 16th of every month. In 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.

Two things have recently happened with Discover. I am seeing other customers on your website complaining about the same issues. One, Discover changed the monthly due date on my account and did not send a notice. They just put a note in the online statement. Two, 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 woken 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 would have to check this. I told him four 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. I was very insulted and felt that I was treated poorly when I told the service rep he had woken me up and I offered twice to call back after I had a chance to log on to my computer to see what the problem was.

Is there anyone that can do something 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 on 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!

Late fees charged on payments made before the due date change was supposed to take effect. APR increases contrary to previously written contractual agreement, failure by customer service representatives to keep accurate accounting of consumer questions and complaints, in compliance with federally regulated financial institutions.

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. I paid the payment on time, according to the due date they have used since I began using this account, several years ago. Now, they are replying to my inquiry by saying that I can go online and change my due date to any day I want, which means that they are playing a shell game with their customers. The public needs to know that this is a scam initiated by Discover Card to prey upon the unwary.

They have sent a note by e-mail saying that they are going to remove any charges that may arise, but they failed to sign it and they failed to remove the charges or prevent their occurrence. It's another bogus attempt to defraud all of their customers, whether or not they have been paid on time previously.

About 6 months ago, I found myself in a very tough dilemma. I had 2 surgeries back to back and my credit card companies' fees were getting very tough to meet the monthly payment. I panicked and went with a debt settlement company. About three months into the program, I decided that my credit was worth saving and I started making phone calls to each one about a hardship program. All were great, except Discover Card. They would not even talk to me and I could not understand because, honestly, this is the first time this has ever happened to me and I am still going through health problems. Discover said it was out of their hands and I was turned over to a debt collector, Zwicker.

I had a pay off and I was excited. I ask Discover to please let me send them the money. No! Zwicker started calling me and giving me only one way out: pay the whole amount or in 2 payments. Now, $4,298.00 in whole or 2 payments was highly impossible. I thought let me call another person in that place and I got T. **. That was worse. He started telling me I owed over $5,000.00 plus their fees, etc., and he said either the whole amount or nothing. I called the Better Business Bureau and Zwicker has an F rating. I was advised not to send any money to this company. They may not apply it to my account. Now, all the other creditors are working very nicely with me. I even have copies of three letters that I wrote to 3 different people at Discover, like the CEO of the financial department or CEO of company, etc. No one responded at all. I thought that was very rude. Anyways, I need some advice. I do not know what to do. Can you help me?

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 exorbitant 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%.

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

My bank paid off my account as part of a home equity loan. I also sent in a payment. The bank paid the total statement amount. I made the minimum payment. When I spoke with Ms. ** on 06/02, I asked what my balance was. She stated there was a credit on the account for $148 (the amount of the payment I had made). I asked that the account be closed and that I be sent a check for the credit amount. She stated the check would be received in 4 - 6 days. When I did not receive the check, I called Discover again. I was told that the pay off was not received until one day after the minimum payment was received. So therefore, I owed a whole month finance charge (over $88) and I would only receive a check for $66.

I complained and finally got to speak with a manager named Glennis, who said that as a courtesy, she would send me the whole $148 but it would take another 4 - 6 days. I feel that Discover fraudulently posted the payoff a day late so they could purposely charge me another month's finance charge. I was told on 06/02 that the account was paid and my credit was $148.

I have been a Discover Card customer since 2006. At the time of application, I had a very low rate of 11.99%. This did gradually increase to do their variable rate to about 15.99 and then 18.99%. I was disgruntled, but accepted the fact that I had signed up on a plan with a variable rate and my bad for not canceling it before the rate went up. However, what they have done to me this past year should be considered criminal. My wife is a home daycare provider. In October of 2009, she lost a client which caused us immediate financial hardship. We knew that November was going to be rough. We notified all our creditors (Citizens - car, Chase - visa account and Discover card). We advised all of our problem and our plan to fix the situation. All the creditors were pleasant to work with except Discover card. None of the other creditors charged us fees or raised our rates.

By December, we were back on our feet and made all November payments and the current payments. We have been current ever since. Most months, paying more than our minimum fee. However, I noticed my Discover balance was never going down. Looking into it, they had raised our rate to 29.99% without notification! This means when I pay them $200, they apply $140 of it to interest! This is no way to help a person get debt-free! I notified them last month of my anger and they told me to submit an official interest rate decrease request. I did so and was denied because I was late that one time in November. For the record, since opening my account, I have only been late one time and notified them of the problem in advance with a plan of action to rectify the situation.

Our country seriously needs to look into bringing back usury laws as it is hard to imagine that this kind of credit increase is anything but criminal. The main problem is that you can make a $200 payment and $140 or more goes to interest. At this rate, it would take 30 years to pay of a $6000 bill. However, at 15%, it would only take three years. So does someone at Discover card want to explain to me how this policy is anything more than vicious, corrupt and greed?

[They] have NO RIGHT to give any merchant my new Discover Card Number and charge me a membership fee of $39.00 to Classmates.com WITHOUT MY CONSENT! I will NOT pay the $39.00 fee.

I checked my renewal option on the classmates.com website which reads: MANUAL. However, Discovercard automatically gave classmates.com my new credit card number; Classmates.com had [no] to right to charge me a new membership. If want to rejoin, I'll do it MANUALLY!

I've been hurt by the new credit card bill law-my credit lines have been cut over $100,000 putting my previously 770 credit score in the toilet and precluding me from building a house. Discover bounced a credit line check for low rate good thru the 27th while showing the credit available (thru the 25th) and now are stating they closed the account the day before the check was processed by the bank on the 21st. To make it right they insist on reunderwriting it which would cause a new hit on my credit report, show as a new account and could have different (higher) terms, Not coincidently the credit card holders bill was passed on May 20th the same day they supposedly closed the account but not signed into law until the 22d. This is clearly a way for the credit card company to circumvent that law.

The details are egregious:

1) The check was written on the 18th (before Discover supposedly closed the account due to inactivity on the 20th) and long before the offer end date of the 27th.

2) I checked on-line to double-check the credit line prior to using the check.

3) I mailed the check to my Denver bank from Asheville and they processed it on the 21st (I have the bank by mail deposit slip -it stands to reason that it takes 3-4 days for the mail to get from NC to Co)

4) Discover emailed me on the 25th to let me know they bounced the check due to cash advance line. The email clearly states that I was getting the email because I am a Discover Cardmember. Upon calling to inquire about it, Discover's customer service rep stated that my bank made the mistake by the way they processed i and refused to even refund the $35 bounced check fee.

- Discover's own phone rep read the account as open and provided me a different reason for the check bouncing.

6) Only after going thru the hassle of checking with my bank and insisting on speaking with a manager did I get the your account is closed explanation.

Upon calling their accounts closed section and providing the info above, they refunded the $35 bounced check fee but refused to make the check good without "re-underwriting" it. Esentially open a new account with higher fees and put a new hit and new account which would lower my credit score.

In February 2009 I received a letter from Discover Card saying they were raising interest rates because of the high cost of doing business. I was told in the letter to notify them in writing by February 25 if I did not accept the new terms. On Feb 22, 2009 I mailed them a Priority Mail letter saying I wanted the account cancelled. At the same time I mailed my brother a priority letter to Ohio. He received his letter on Feb. 25.

they had raised my interest rate 2%.

When I called customer service to complain they told me they had not received the letter until MARCH 13! They also said I should have called them, but their letter specifically told me to contact them by mail. They refused to honor the request to cancel the account on Feb 25, even though my letter was postmarked on Feb 22. Is there anything I can do to get them to give me my old rate back???? I can hardly believe that it took 19 days for a priority letter to reach them.

My APR was increased, for no reason and without notice by 10% from 3.9% to 13.9%. My Discover credit card, that I have made double the min. payment on, AND timely, has more than tripled in finance charges!!! There is no reason why they should have increased it other than to rip me off! They did not notify me!!! That is a huuuuge increase!!! More than triple the finances charges!!! The economy is already making it hard on everyone! I do not deserve this!! My finances charges per month are $50 now! This is crazy!!!!

I was left stranded at the grocery stand in a line of people with a full cart of grocerys not once but twice in 30 days and trying to put gas into my car, denied again. My account balance at the time of denial was never near the 50% credit line that was approved. Automatic payments paid thru that credit line had to be juggled so that we wouldn't incur any additional fees.

Now that the account is closed Discover Card wants to make it their top priority? Where were they when we were trying to figure out what was happening to our credit? We were customers in good standing for 10 years. My husband is in the US Navy and he's not about to lose his job any time soon. I'm sure an overview shows that in the last year alone there was only one payment a day late. We were charged a fee for that but I don't think that warranted a drop in our credit line. What is overlooked is that the payments we paid were always much more than the amount due. What we got is Discover increasing the interest rate.

I don't need to be reminded of the so called benefits Discover has to offer. There are no benefits Discover offers that are worth going through what I went through. I will remember that I was treated badly. I will remember and tell everyone I know how I feel about how Discover treated me. Just by talking to other people I see this credit drop Discover incorporated has hit close to 1 in 3 people, a lot of people.

Discover has Customer Service that puts me first? There is no knowledgeable person available when I have called nor have I been able to speak with a manager. I have given my security information time and time again yet when I call the security information questions asked are for the main card holder and never my security information. Discover employees are rude. They treated me like I had no right to enquire about anything on the account. I wonder who oversees the training of these people.

Well, it no longer is my problem. Furthermore J. Leoger, Senior Vice President of Discover didnt even bother to sign this bogus form letter which is generally SPAM.

We mailed in a letter signed by the main card holder and the secondary card holder requesting that the account be closed. We demand NO FURTHER CONTACT by Discover or its affiliates. The balance was paid online and is now ZERO. Yet, they mailed us spam and I figure we will continue to get spam from them. How can we be removed from their mailing lists?

i completed the application and was approved for credit. however my points were and to this day may 6th have not been awarded!

no one at discover card is willing to help me, except to say that the problem will take 4-6 weeks to resolve and i MUST make a purchase with my new discover card. this was clearly not in the agreement advertised on tagged (game - mafia wars) wear points are priced 85 points for 20.00 dollars. the points would cost 80.00 dollars if purchased, but discover card offers them for free upon app. approval.

i have made 7 attempts to resolve this matter , both with tagged and discover card. no one will help me, give me a person name or address that is willing to help me or lend any information or help.

This month, May, I received another bill for the "wallet protection". Again, I called and asked why they were charging something to a closed account. Everyone was rude and disrespectful and at one point I had to say "I am the customer, please listen to what I am saying".
I was told that I signed up for another "protection plan" 8 years ago, and they had sent a letter to everyone who had that plan, in the fall, notifying them that if they didn't reply to the letter, they would be enrolled in the new plan. I never saw that letter, and if it came, probably tossed it with the other 'junk mail'.

But, now they want to tell me that they will ruin my credit if I do not pay them 2.99 "forever" for this service, that I did not want.
I told 'Tiffany' that there was no contract and to bill for a service I don't want on a closed account is fraud. She then got irate and argumentative and gave me a lecture on what will happen if I don't pay the 2.99 every month, 'forever'. I asked how I could get this cancelled and taken off my card. The answer was "You can't, because you didn't reply to the solicitation, therefore you have a contract to pay for this service, and if you don't pay for it, we will add late fees and interest and ruin your credit rating".
No way. That's illegal as all get out, and I am fighting it.

I was also told "Yes, I see that your card was closed on April 6th" but they can charge to a closed account?
I received a pad of "courtesty checks" on this account, yesterday, May 5th, to use as I want, according to the attached letter.

Really? I can write checks that will be billed to a closed account?

I do have to get return receipt postage, in order to dispute this charge, which will cost me money, but it will be well worth the effort.

I have been a loyal customer of Discover for over 5 years. I would faithfully use this card over others. As others customers have stated, my interest rate went up and when I called to lower it on 4/7/09, I spoke with Bobby and I was told that it would go back down to 11.24% FIXED! & that my previous charges that were incurred at a higher rate, would be adjusted at the lower rate again, providing me with some type of credit.

Well, my next bill for 5/09 was still showing that higher rate of 23.99% and 18.99% for new purchases. I incurred 95.83 in interested charges ALONE for the month that I was told would be at 11.24%. I called again on 5/3/09 and spoke with a rep. and she then transferred me to Sean. He advised that he would lower my rate (as I was told before) however it would be at a VARIABLE rate of 11.99% and that I would NOT receive ANY type of credit for the interest charges that were incurred at the higher rate EVEN after I called the month prior and was told it would be lowered then.

Very poor customer service and believe me, I have given Discover So much of my money. At the very least, they could have worked with me to make up for the mishap from the first call by crediting SOME of the interest charges that were supposed to be at a lower rate anyway!

I incurred 180.00 Interest Charges Alone in 2 months with Discover. They continually change their percentage rate after reeling you in to transfer a balance or open a card at a low rate. I was forced to cancel this card and by doing so, could potentially hurt my EXCELLENT credit score.

Discover Card has taken pay off out of the bank and has refunded the $37.14 twice from my account. I am satisfied with Discover Card for taking these measures. Thank you

I've notified my attorney for advice and am writing a Letter to Discover, while including copies of correspondence received from them, and will include copies to ALL my political Representatives, up to and including, President Obama.

I set up payments in Feb.with Discover Card to help keep account current since I lost my job. I was charged a late fee because the automatic balance was not the same as the statement. That was credited but default interest still was there. In March I was charged another late fee and I noticed that they set up the payments to be taken out after the due date. I called them and they refused to take the charge off. I called back and asked to speak to a manager. I was told yes, they would take it off and it had to be approved, this went on 45 minutes and I was passed to 5 different people.

In the end, the charge was not taken off, the default was left in place. I then stated I wanted to pay off the amount right then and there because I was not happy that I was treated like that, that the amounts were unfair etc...I gave the amount, the information to pay it off, 2 days later the amount is still not taken off and accumulating interest daily. I think these credit card companies are getting away with unfair acts and needs to be stopped.

I recieved an offer for a balance transfer and called Discover card customer servive for more information. Their representative told me that after the offer expired, my rate would go to 5.99, which was what my account was charged. After I transferred a large amount of money to Discover, ONE WEEK later received a letter stating the interest charged on my account was now more than double what I was told on the phone.

I felt like I was mislead and called again. Drew at Discover told me that the first woman did not read the paperwork and there was nothing they could do. I asked, "are you telling me that your employee made a mistake and I will have to pay for that error?" Drew responded "yes".

I have called and written letters and have had not one person at Discover even say "I am sorry", much less offer any assistance.

This practice should be illegal! I am being charged a balance transfer fee of $66 and told to transfer it again later.

on 4/23/09 received notice from Discover that effective 5/2/09 the APR was increasing from 10.9 fixed rate to a variable rate of Prime Rate plus 11.99, as of 2/27/09 this is 15.24%. They are changing the rate for new and EXISTING BALANCES. I can not afford this rate increase and had I been informed prior to using this card, in December 2008 - I never would have charged what I have on this card, but instead would have used a different card with a much lower rate.

Denied subordination of HELOC so that we can not refinance our 1st mtg. and save $300/mon. The subordination request was declined because of the decrease in the value of the property. The Combined Loan to Value ratio increased from 71.81% at the time our loan was opened to 89.27%. Appealed denial but was not granted told heaviest weighted criterion was non more than 10% increase in CLTV.

The CLTV understandably is increased due to housing mkt downturn. Can't imagine that many folks can have anything other than an increase in CLTV. Of course, by NOT subordinating they are still in 2nd position and their exposure is essentially the same either way. We could pay closing costs originally planned to wrap into 1st refi amount. Given current economic climate this defies common sense and amounts to a no subordination policy and a ripoff for the subordination review process fee($150). Our ability to pay is solid (govt pension). If we could refinance we could contribute to economic recovery and/or pay more principal on HELOC.

Denied opportunity to take advantage of lower interest and save ~$300/month

This is a debt collection company for Discover. We made a settlement in February to pay $4350.00 for a past due balance of $6000.00 +., at which time we were dealing with Cheryl and she indicated she would have to get back to us once Discover and her manager agreed to this settlement. The next day we received a call from Cheryl indicating that this was agreed to and we even received a letter indicating the same, and we gave her our banking information to take the money out of our checking account. The following day Cheryl contact my husband and advised him that her manager reneiged on this agreement.

Since then we indicated that we would be able to pay $1,500.00 and then an agreement would be entered into for $50.00 per month. After we paid the $1500.00 by telephone we did not receive any written agreement that they agreed to $50.00 per month. I refused to pay this until I receive written permission of this. No on April 14, 2009, I received a call from K. Housen who was very nasty, and she asked whether I was able to pay the full amount owed I indicated to her all of which I explained above and she argued that this was not the case.

I would like to know what my rights are. I am not denying this debt. I just want to come to an agreement. FInancially I do not have the money to pay the full amount up front, but I am willing to come to an agreement. I will not deal with this nasty person, who will not even let me explain. It would be appreciated if you would contact me and advise me as to what I can do to resolve this with this firm.

Now this firm is putting this into Judgement that I am not paying, and as I explained above I am not denying that this debt is owed I just want a written agreement that this agreement will be entered into.

I went on line and saw my credit card statement and realized that the amount due was more than usual. Then I looked at the credit line and it had been reduced to 350.00 from 2,000.00. I usually pay more than the amount due and have not been late with the payment. Last month I attempted to pay the bill on line after I realized that the date the bill was due was that day. It was after 5:00 P.M. I paid the bill that night and had to put on the payment on line that the bill was the next day. After paying the bill I called and explained I had just paid the bill and the reason it was late, due to I had inadvertly forgotten it due to a family issue which I explained. The late fee that was generated was reversed.

When I called Walmaryt Discover which is governed by GE banking system, and asked why my credit limit was changed I was provided info that it was a company decision, by the customer rep, Linda. I then asked to speak to a supervisor, which I first was denied and then transferred to Steven, a supervisor. He asked if I had received a letter explaining the reduction, based on company policy change. I provided I had not. Stated letter was sent on day that credit limit was reduced. This left me with a 16.00 available credit. I asked why they didn't let me know before they reduced my limit, and what if I had went into a store to make a purchase and I was denied. Said they do not know why the letter went out the same day.

This is an issue that I feel is unfair to the consumer, I did not have any negative consequences to this card, and I was reduced a credit line without prior knowledge. Is this action, prior to Congress action on April 17, 2009. Please address. I am a social worker in a professional role. I could have been purchasing a meal to use on my card, and been denied, without any idea why I was denied. I had this card to use as needed with my Real Estate business also.

I was called form a company that described themselves as Discover Business Services. They said that they said it would be free and did not tell me about the charges that would be charged to my bank account. They said that they would provide technical services for company computers.

I was charged $49.95 twice. and these charges resulted in over drafting of $75 my bank account. I called Merchant Technical Solutinos and they were really eager to reverse those charges, almost to eager. I asked them about the bank charges and they said that I have to deal with my bank about those charges. Also I have never been suppplied a receipt for the services so I can account for my expenses.

I then called Discover Business Solutions and they told me that Merchant Techical Solutions was a third party and part of the Discover network and they had provided this company with my Merchant account information. I asked them to never provide my account information and they said that they would take me off that list. No more then 10 minutes later I got a call from another company telling me they were part of the Discover network and were offering me some other service. They siad that it was a free trial and after 1 month I would be charged $39.95 per month after the 30 days.

This is where Discover makes their money because they charge for some services and once people realize that the charges are there they hope that you do not catch all the charges os they can keep that money. I also belive that this a Fraud and they need to be charged with that. The business laws state that if a company presents themselves in such a way that a customer preceives them as someone else is Fraud.

Discover Card lied to me, they made a settlement agreement with me saying that if I paid $ 145.00 a month payment for one year that the remaining balance would be 1099 to me and that I would have to write it off on my tax returns as income. I agreed to that. One month after the last payment, they were calling me and harassing me saying that they would never do that and that they have no record of this. THEY LIED it has been 7 months and they have been harassing me since.

This is causing me to stress out and I can not take it anymore. I do not have the funds to make this go away and I am stumped on what to do with this whole situation due to their lying scemes.

Discover Card lied to me when they said that I was paying Discover Card, but really I was paying Assurant for the Payment Protection PPD 1-877-883-1959 service. When calling the 877 number it sounds like Discover Card, but when you ask them direct, they say that it is really Assurant that you have called. So who am I paying my money to? Without an address of the entity where my money is going to, how do I know if I am not funding some terrorist group. In my records I am very careful to know who my money is going to at all times as a responsible citizen of the USA.

After all, it is my money! Every business that has nothing to hide would will just give me a receipt with all that information on it. Both Assurant and Discover Card will not provide this simple information. THIS IS A RED FLAG, can't tell me who you are, but give me your money anyway? Not in my country (USA) is it or will it ever be ok to do business this way! I will find out who I am paying! I will not quit until my books are I.R.S. safe! This is about my money that I work very hard for, that is the complaint in a nutshell.