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Discover

Discover • Balance transfers • Cancellation problems • Delinquent accounts

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

Frank of Allentown PA (04/20/09)
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

Diane of Staten Island, NY April 14, 2009

Diane of Staten Island NY (04/14/09)
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.

Pearlene of Quitman, MS April 3, 2009

Pearlene of Quitman MS (04/03/09)
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.

Jon of Glendive, MT April 2, 2009

Jon of Glendive MT (04/02/09)
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.

Dee of St. Clair Shores, MI April 2, 2009

Dee of St. Clair Shores MI (04/02/09)
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.

David of Waterford, CA March 24, 2009

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