Discover it Secured Credit Card

I had a Discover card that I barely ever used. Had a $6,900 credit limit. I received a complimentary interest rate offer (I guess to encourage me to use the card), so consolidate a couple other small cards and transfer the balances to take advantage of THEIR reduced interest offer. After transferring the balances they decide (FOR NO REASON - NEVER BEEN LATE OR MISSED ANY PAYMENTS) to reduce my credit limit which cause me to incur over-the-limit fees. When I called to discuss my situation I got the runaround or got disconnected without ever getting any help or even addressing my unfair treatment let alone any sort of resolution then they slapped a judgment against me. Totally unfair and unethical treatment and experience.

I was on the phone for 1 hour and 10 minutes of MY time because when I signed up I was told they give you 5% cash back on Gasoline. The second agent I talked with who kept me on hold for 35 minutes that the agent I talked with in March gave me the wrong info. It is only March 1 to April 30. She told me she had me on hold getting someone to sign me up for those months.

I have had my Discover card right at 6 months and I started off with a $300.00 secured amount. I made sure I read the fine print where it clearly states that you must pay your other bills on time as well as your credit card bill. My bills had to be paid so this was a true winner. I randomly check my credit cards just to make sure that everything is fine and tonight after 6 months, I see that my credit limit is now $1,800.00 instead of $300.00 I was so happy, I had to call and confirm, the rep congratulated me on my job well done and advised me to keep up the good work. I also was advised to look out for my $300.00 deposit that I paid to start the account. I am so grateful, all smiles here, big milestone in my eyes and I owe discover for giving me the chance. Thank you for always picking up the phone 24/7 and thanks for giving me an opportunity to be credit worthy. -Claude, Adel Ga.

I had a credit card with Discover 9 years. They claim they sent me a letter 2022 stating that They want my w 2 Because I make too much money so they claim that I sell **. But I never received the email when I called in 2023. They told me my card was closed Because I didn't Send the documents back. I asked them, "What documents?" They said, "Discover do not have any clients that does wrongdoing." I feel that's a strong allegation to make on someone. I've spoken With Nancy from the executive from Discover. So I stated to her what was told to me. She was so cold and say, "Well we sent you a letter." So I asked her to send me a copy, never received it. Discover is very racist.

I started dispute of 2 charges in November 2022. Merchant send me items were not as described on website and all of them were not the same from my order, all wrong items. I send pictures of all and appraisal from jewelry company. It was not gold and not a diamonds as seller had on his website. Discover Card solve the problem on Merchant side. Told me, I am not getting any money back, because I received order.

I got one of their secured credit cards. I paid a $2000 deposit for the privilege. I used it for 2 whole months, used the entire credit line each month, paid the balance early, and was generally a model customer. Then, I get an email out of the blue saying they couldn’t verify my identity (though I’m quite sure I’m me, and no one else is) and the account was closed. No one notified me, tried to get the problem worked out, or even asked me a single question. They just closed my account. Now, it’s been 31 days, and they still have my $2000. They told me 6 days ago that my deposit would be “in my hand by the 9th.” I called them again today, and they told me “ohhh, well since you actually *used* the card, it will be 40 more days until you get your deposit back.” As if I would do anything other than actually used the card I went through so much trouble to get.

I called this morning to receive a copy of my Cardmember Agreement via email since I was unable to find it on the website. After speaking with 3 representatives, I had to allow them to mail it to me. I'm extremely unhappy that in 2023 they are unable to send a simple document digitally or that it is not readily available to view on my online account. This does not make me feel comfortable as someone who has entered into an agreement with this company. The representative told me they cannot send the original agreement. The original agreement is the only one I signed up for! They can change the terms of the agreement and I would not know because they are not being transparent about this agreement. I will not enter into another agreement with Discover until they make the Cardmember Agreement readily available online for members.

Account was closed by consumer on October 19, 2022 with a zero balance with no pending activity of any kind. The account had previously been paid as agreed (for approx. Three years), prior to its closing. Customer has documents mailed to him from Discover verifying these facts. Additional charges placed on account were done so by Discover after its past customer’s closing of it. Any and all charges placed by Discover on consumer’s past, "Dead" account were done so unilaterally/illegally and in short, "Fraudulently" by Discover.*

Discover card sent me a letter threatening that they would cancel my credit car unless I chose to use it more, and when I did not submit to their tactic they cancelled my credit card which negatively impacted my credit score by 40 points. There were no negative reasons associated with cancelling my credit card such as delinquent payments as one example, but they refused to supply the credit reporting agencies with an explanation for their threatening tactics as a reason for this cancellation. Beware if you don't use your DISCOVER CARD regularly.

I have been with Discover card since 1990. They have turned into a greedy nasty company who does not care about customer service. They violate credit regulations and they seem to get away with it. If you report them to the credit protection agencies, they lie and refuse to correct their mistakes. I had a situation with Mr. Handyman that I was using to put up an awning over my outside entrance of my basement. The area needed to be covered because of water getting into the basement from storms. Mr. Handyman did a horrible job. They also never finished the project and never got the proper permits to start the job, and since they never finished the work, they never got a Certificate of Occupancy that was required by the town.