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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.

Linda of Los Angeles, CA January 6, 2010

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 is to pay down the Discover Card to 1K. Well, Chase then apparently decided I had too much credit, reversed the charge to Discover. So, Discover then reduced my credit limit to 5K (keep in mind 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 addditional 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????????????

Marla of Ukiah, CA January 4, 2010

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.

Floyd of Chadron, NE January 4, 2010

I used my card in mid November and since been waiting for a statement in the mail in order to pay it off and 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 and I explained to her that I had not recieved a statement yet and she than 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 than told me that I had accummulated late fee's and I told her how can that be when I did not recieve a statement? I than asked to speak to a manager or supervisor and that I would probably be cancelling my card and she than told me that I would also have to pay penalty fee's, 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 him 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 in which even the postmen and women know everyone and would correct an incorrect address. According to the gentlemen I am responsible for their postal errors and that I will have to pay all penalty fee's as well as late fee's!

william of upperlake, CA December 30, 2009

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?

christine of new gloucester, ME December 27, 2009

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.

Catherine of Arlington, TX December 20, 2009

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....

Ali of corona , CA December 19, 2009

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.

Mary of Richmond, VA December 15, 2009

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

Tammy of hemingway, SC November 5, 2009

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.

Christine of Painesville, OH November 4, 2009

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!

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