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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.

david of bridgeton, NJ September 1, 2009

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.

M. of Antioch, CA August 31, 2009

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.

candace of sutton, WV August 28, 2009

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.

albert of chesterfield, MO August 28, 2009

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

April of Duncan, AZ August 28, 2009

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.

Russell of Rossville, GA August 18, 2009

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.

BARRY of FULTON, MS August 16, 2009

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!

Nathalie of Tampa, FL August 14, 2009

On a letter from Discover card financial servicesdepartment signed by Carrie Bush dated July 14th 2009, I was incented to call and speak to one of their representatives trained to help me in lowering my monthly payment, eliminate fees etc. My current rate has been 25.24%, my minimum payments of 152.00 just about covers the monthly interests only. I was quite happy to hear from the representative at Discover when I called the number indicated on the letter that provided I make a payment a 302.00 by the 22nd of July and enroll in automatic debit from my checking account for 154.00 a month that Discover was as off the 22nd of July payment lowering my interest rate to 15.9%. This was going to allow me to bring down my principal.

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.

Brian of Novato, CA August 12, 2009

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.

Justin of smithtown, NY August 12, 2009

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.

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