Discover Reviews

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 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.

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?

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 refuse to pay this until I receive written permission of this. On April 14, 2009, I received a call from Kimberly ** 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 upfront, 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 let somebody contact me and advise me as to what I can do to resolve this with this firm.

When I called Walmart Discover which is governed by the 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. The stated letter was sent on the day that credit limit was reduced. This left me with a $16 available credit. I asked why they didn't let me know before they reduced my limit, and what if I had gone into a store to make a purchase and I was denied. He 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 wanted to know why they sold my info to some other credit company I never heard of and why did they do this without my permission. This rep kept insisting that I was putting my credit score at risk by canceling this card. He made me listen to this 90 second HSBC recorded message about their card. The rep asked me after the 90 second message if I agreed with the terms. I again said no. He kept pressuring me with are you sure because you’re gonna hurt your score. I again told him no. He said ok then I am going to change your credit score then. Why on earth is Discover doing this? I am trying to help pay my debts and they are wanting to give me more credit cards. I just wanted a balance transfer.

After 3 phone calls, they agreed to reduce it to the old rate and interest rate BUT still insisted that I had to pay the difference for the new payment rate for this one month. I told them that being a small businessman myself that on my worst day, I never treated my worst client like this. The Discover rep said they had done this to help me pay down my debt. Huh? Some help eh? I hung up the phone, called the bank, got an unsecured loan @ a good interest rate. Be warned..take your business elsewhere.

Is this how they handle a valued member for nearly a decade? I simply requested Discover to carry out further conversation with AnnTaylor to identify possible resolutions, instead I got was a lecture from your reps (Devon being one of the five I spoke to) about having unrealistic expectations. I am very sorry for involving Discover Customer Service when I should've just closed my account every time a merchant does not even accept Discover. I remained loyal to Discover card simply because of your willingness to meet my terms (billing date and credit line etc.). Unfortunately, this is no longer the case after what happened. As of now, my confidence is 0 in their ability to retain their customers. I hope Discover is going to lose many more customers in the near future in light of the economic meltdown. I don't want to pay for something that was stolen! It is not the amount as it is only $113, but it is principle of the matter!

I talked to another person and then transferred to another person and finally was told that the only way I could reslove this transfer was to contact Card Services and have them return the money sent. I sent a letter to Discover Card telling them of my situation and called again to resolve this. I did not authorize a balance transfer and why do I have to go through all the leg work to recoupe monies that Discover sent to Card Services without my authorization. Representives from Discover Card told me that if I got the money back that I would not be charged a finance charge. I contacted Card Services and they informed me that they received a payment of $11348.42 and electronically sent that amount to my checking account. I forwarded this amount to Discover Card with another letter explaining the situation.

Today 9/19/2008 I received a bill from Discover Card for $393.58. I contacted Discover Card once again and went through the same telephone transfer process explaining the situation and was told that I was being charged a $342.00 finance charge because I did not send them back the full $11.400 that they sent Card Services. This is insanity, I did not authouize Discover Card to send Card Services anything. I declined the offer. I had to chase down the money that Discover sent to Card Services and return it to Discover Card and after all of this they still attach a finance charge. This is nothing more than financial fraud on the part of Discover Card.

I am emotionally and physically crazy about this. I tried to resolve this and believe I went above and beyond my responsibility. I can't even talk to these people anymore without punching a wall. When I called them back today they say that I hung up on them.

I have talked to them but they argue that the original card was a business card and they aren't allowed to be in a debt relief program. We sold the business long before we put this account in debt relief and the business and our name is the same according to the State Commerce Cabinet of Kentucky. So they are just harassing us for more money as they do to many people. They are a predatory company that recruits suckers to do their dirty work for them. Any way, we want relief from the calls. Could you look into this and stop the harassing calls?

We feel that with all the harassing and continuous calls, we should be compensated for our emotional hurt and late night and early morning calls. My wife has stress from it, stomach aches and headaches from the harassment. We feel that $2000 would help to send a message to Discover Card to stop calling and hassling people who are not deadbeats but paying according to terms with legal debt counseling service.

I called Discover and inquired about using one of their check cards. They explained the interest was high, about 21%. I told them I would have the money to pay back the 2000 in less than 30 days. I wrote the check for 2000 and had my surgery. When the bill came in from Discover, about 30 days later, I sent them a a personal check for 2500. I paid the 2000 plus 500, leaving me a small balance of 400 at 9%. You would have though all was well and that I was left with about 400 on my Discover card. Wrong again. The sharks applied the 2500 to my 900 balance, leaving me with 0 at 9% and a 21% balance on 400 dollars.

I didn't catch what they had done for a couple of months. They just kept sucking the blood from me. When I called to complain, they just didn't care. Read the fine print they told me. We have the right to apply the payment where it MOST BENEFITS US. I was astounded. I asked to speak with a manager. Again, the manager just didn't care. She repeated what the custer service rep told me. You should have read your service agreement, she said, i.e... too bad for the customer.

At that point I said I wanted to close my account. I told Discover that they would have my balance in full within a few days. I wanted to close my account. Great, they said, we'll be happy to close your account. I'm a good customer who paid my bills but complained when they dipped into my pockets and basicaly stole from me. They never batted an eye when they closed my account. That's business, they said.

Discover got me for about 80 bucks.

I had numerous debts, all my bills were so far behind because I was taking the monies for those debts to ensure I would make my adjustable home loan payment, trying to avoid foreclose on my home. In addition to this offer it indicated that CIR was authorized to offer 75% settlement paying 1494.99 if payment was received by 3/25/08. This special offer indicated that a paid in full letter would be received after payment cleared. I did everything like I was instructed on the Settlement Offer. I attached the copy of the flyer, enclosed a letter indicating that I was accepting the special offer, told them the check was made out for more from the reinfinancing company and that there would be a balance due to me in the amount of $748.34.

I special mailed the payment to the correct address as shown on the form with USPS. Please see the form as proof of how it was sent along with the tracking of when it was received. I called and asked CIR about my payment and was told that it was received 2/26/08. I indicated how convenient this would mean that I would have to pay 75% instead of the 65%. I indicated that this was impossible--since I had a confirmation that this was sent and received by 2/25/08 and thus should have been getting a tax settlement offer on this account.

I was put on hold for a long time, a supervisor came to the phone (Natalia) and told me that if I was to get the money back then I would have had to write the check myself. She indicated that since the check was written out by the mortgage company, that they were ENTITLED to the full amount due which was 1993.00. I had called the mortgage company prior to sending this check and told him about the offer. I asked him if they would make me another check for the exact amount and was told to go a head and send the check--there would be a credit and that discover financial would have to issue me a check for the balance in my name. So that is what I did.

I called Discover Financial and they indicated that the payment did not reach them until May 08. Now how was this possible? Please see the copy of the letter written to CIR indicating they there will be a credit which would need to be issued to Susan P. from Discover Financial, the copy of the check sent to CIR, and the copy of the Tax Season Settlement offer. In addition, I was supposed to get a "SETTLED IN FULL LETTER" and this was never received one for any amount sent to this company. Since I did not get anything indicated that the account was paid in full I contacted them Friday 8/1/08 to find out they have no intentions of paying me the amount I should have been credited.

As of now my TRW shows Status: Account charged off/Past due 150 days. $1993.OO WRITTEN OFF $498 PAST DUE AS OF April 2008.I also called Discover Financial and was told that this was taken to collection and that CIR would be the ones I needed to contact regarding this matter. I know that this is illegal and I am writing to you in hopes that you will be able to resolve this matter.

They cut my credit in half, without my knowledge, then terminated me with out my knowledge, embrass when try to use card.When credit was cut I attach my bank acct with Discover. They still show my acct is active. They kept $6.50 cash of mine . Claiming they return cash award in $25.00 at a time. I had $606.50. My cash award was given to me $600.00. Discover steals my money, terminated with out notice, embrassment does not bother them. Hurt does not bother them.

We got ehind because after taking care of my very sick daughter I became ill myself and could not work for 7 months. We got very far behind and in spite of having this card for years with no missed payments they raised our rates. I told them if they would work with us we would pay this back, we wanted to. It was how we survived when our adult daughter with no health insurance became seriously ill. The first guy yelled at me, the second woman agreed she would give me anything I wanted but did not.

this last person who I doubt was a supervisor said he did as I asked we shall see but I have some serious doubts as to whether any of these people are anything but collections who get paid on commission. They will say anything.

When I asked why the woman I talked to in June had not done as I asked Scott said she didnt have the authorization and maybe didnt know it!

We are considering bankruptsy. My health has still not completely recovered and I dont know when I will be able to work full time. The stress this places on my family makes everything worse. We are grateful that we had the resources to help our daughter and had hoped I would recover faster then I have. But we have paid over $3000 to just this credit card co in the last 6 months and are now more in debt then we were. I agree we owe what we charged and a reasonable interest rate.

I do not believe we owe them our lives. My husband works 2 jobs and sometimes 12 to 14 hour days 6 days a week. He gets up at 4:30am and comes in at night at 8 or 9pm. We are all exhausted and confused. How can these credit card comapnies thrive at the expense of others and how can they think they are owed what amounts to usury?

They are waking me and my family who work over night causing us to lose sleep and it is annoying to continuasly receive these calls when they have nothing to do with me or my family.

Constant phone harassment from Discover Card caused me to sink further into depression than I ever had before and when I explained my circumstances, cancelled my card and assured them that I would make a payment as soon as I could I was basically laughed at. One operator came belligerent and assured me legal action would be taken. Early this morning I awoke to a loud banging on my door which frightened me and my children. When I cautiously opened the door I was issued a summons by an officer. I am now being sued by Discover card for more then $3000.00. The officer frightened my youngest child to tears and with no way to pay the amount owed including court costs and miscellaneous I felt completely broken.

I took all of my prescription anti psychotic medication and waited for death. Im not sure if Ive found it yet.

Justin from Discover called me today to ask for payment & I told him that I had lost my job. He said he was going to transfer me to the "Hardship" department to try to see if they can help me out. It was a complete set up and a blatant lie, he transferred me to Diane, who is in collections. She started questioning me about why I was behind on payments & why I still used my card even after I lost my job. I told her I couldn't pay the minimum but that I would send $100 until I can got extra money. She continued to raise her voice and yell at me about me obviously not understanding where she was coming from.

I was so upset and wanted to tell her, but decided to hang up because it wasnt worth it. I have been a loyal card user for the last 8 yrs and this is how they treated me! I will never recommend this company to any one and will have everyone I know cancel their accounts with Discover.

In the meantime, the person whom I was going to borrow the money from, used the money for something else. When the attorney contacted me again, I let him know that I never received the letter and that I did not have access to the money. I offered to pay him $50.00 a month and it was refused because it sounded as if I did not want to pay this debt. Since then, I have been taken to court and they have received judgement for $3,000. with an interest rate of 21.99 % plus $1,000. in attorney fees. My income includes a pension from state retirement, and I do some custodial work and housekeeping. The pension cannot be garnished (state law), and the other income at 25% of garnishment would be approximately $50.00.

As of yesterday, 5-16-08, the attorneys have frozen my bank account, my daughter's bank account, and my mother's bank account. They have placed a trillion dollar hold on all three accounts. We became aware of this after my daughter's check card didn't work. When she contacted the bank today she was told that three accounts, with my name on them, had a hold on them. Because of this, I am unable to get my daughter's medication, purchase food, etc. At least for this weekend, this has placed a tremendous burden on our family. I had expected that they would try to garnish my wages, but was shocked that they would place a trillion dollar hold on our accounts for a $4,000 debt.

They will probably be able to wipe out my daughter and mother's accounts, which will pay the debt off, but it will leave both of them with nothing. I find the tactics to be quite severe over this amount, and I would encourage anyone looking for a credit card to not use Discover. The attorney told me that they won't mess around with you and they have proven that they will go to any lengths to secure payment. Consumers should be aware.

They sent their form to complete which I sent back. Got charged the next quarter. Called again and they had no record of receiving. I have talked to two supervisors. You can't fax or e-mail anything to them. How convenient. I have asked to have a manager call me. Meanwhile, I have disputed the credit card charge on their Discover bill. I guess I also need to find out how to stop the automatic credit card payment from their checking account.

Economic Damages: HomeWorksPlus $390.00 from 2005 to 2007. Discover Card Financial Services aka Affinion estimate $192.28 since 2004. Physical: I don't have time to deal with this! It is hard enough when both parents have life issues. I need to get this resolved before they pass. Will I get a bunch of nasty grams when I cancel the credit card and checking account?

They call my house 6 times per day and have left a message every day. I have not spoken to them lately because I have nothing else I can tell them. Their calling me 6 times a day will not increase my income and they are aware of my circumstances. I did review the Fair Debt Collection Practices Act and it would appear that 6 phone calls per day can constitute harassment so I am writing them a letter telling them to stop the phone calls and will be filing a complaint with the Federal Trade Commission. Isn't there anything that can be done legally? The last time I talked with a representative from Discover card I asked if I cancelled the credit card and if that would stop the late fees and overlimit fees? She said it would not. I will be requesting they cancel my card in the letter I am sending them today.

I have been under a great deal of stress due to the divorce and move and the constant harassing phone calls have just added to that stress not to mention the ongoing overlimit and late fees added to the account.

Discover Card refused to reduce my interest rate even though I have been an active card holder for 10 years. Discover Card is advertising 0% teaser rates for new customers for one year. Is that fair to qualified seasoned customers? A Washington Mutual customer service representative said they don't reduce rates simply because a customer makes a phone call; needless to say, I closed that account. I am disappointed that loyalty doesn't count in the corporate world as well as many dollars lost to excessive interest rate fees in today's economy of lower rates.

I suggested he (who has not worked since last summer and only recently secured a job paying $7.50/hr) to contact legal aid and/or the UT Law Clinic. I also suggested bankruptcy, although he has established good credit with two other credit card companies. It just rankles me on how credit card companies increase their bottom-line by kicking people when they are down with over limit fees caused by late fees, which cause over limit fees--and not from merchandise the customer has purchased.

In closing, years ago I wrote one of the congress people in Washington, DC, who chaired the committee to oversee this type of abuse, but I never heard back. This could be a whopper of a lawsuit for a law firm. Given the preceding, is there a law firm that you know that might tackle this problem in a class action capacity?

She then said, "that's all you had to say, you didn't have to make up a story" and then abruptly hung up. I can only assume she couldn't wait told find another victim to harass.

I'm in the process of sending a letter to the CEO, as well as a copy of the obituary.

Increased charges and late fees incurring on my existing credit, causing a default and now, the card is revoked. Why? I tried, but the Discover strategically locked me out and made it impossible to pay this card.

No explanation was given and no credit report was checked. They simply were trying to raise my rate from 11.49% for purchases and 19.49% for Cash Advances, to 17.99% and 22.99% respectively.

According to their form letter, Discover must be notified in writing by November 13, 2007, to close the account and keep the current terms and conditions.

A Priority Mail letter was received and signed for by a B.G. at 9:09 AM on 11/09/2007. On 11/15/2007, a form letter was received from David Nelms, Chairman and CEO, DFS Services LLC, stating my account was closed on November 15th! I now have a statement dated November 27, 2007, showing an interest rate of, you guessed it, 17.49%!

Despite having been a Discover cardholder since March 2003, never made a late payment, always paid more than the minimum, and never been over the limit, I will now see a drop in my FICA score due to account closure, since the length of time accounts are open is a determining factor in creditworthiness. This will affect not only my potential for a home equity loan at a decent rate, but home and auto insurance rates as well. I have already contacted my district congressman through your web site, and received no response. I also have lost all faith in the FTC, who recently seems to be more interested in protecting big businesses interests than the individual consumer's.

When I had a medical emergency surgery and lived, I was so upset about debt that I wished I was dead. Discover Card calling excessively at home caused me great emotional pain and suffering. It also increased my physical suffering because I was on nacartic pain killers and when I moved to answer the phone it would hurt a lot.

I have a $4000 credit limit. My current balance is $2300, which means I should have $1700 available credit. Because my last payment and this month's balance add up to almost the credit limit, my credit card is being declined. When I talk to customer service, they tell me they won't actually post the payment they received on the 9th until Dec. 6th, even though they have the money. Rather than go through this every month, we had to cancel the card.

This is our fault for not paying attention to companies that will rip you off the 1st chance they get. We will pay off the Discover balance asap and NEVER do business with Discover again.

I filled a police report like they told me to and they turned down my case.Then they started calling me because was not giving them any money since it's all fraud bill.I told them good luck because I'm not paying them anything. It says $0 Fraud liability on my bills but but you can't hold them to that I guess. As soon as I'm done with my case I will never use discover card again.

They stopped calling but are still sending me bills it went from $2872.03 to $3187.29 when they add there finance and interest charges.

I did call and the agent was actually as nice and as helpful as he could be, given the information he had to work with. He told me it was an across the board increase intended to make them more competitive. He even offered to help me cancel. I thought that was really odd since I didn't ask. It was almost as if they were trying to get rid of me.

I went to bankrate.com to see what other cards were charging, and saw that discover is offering new cards for 1% above my current APR. Way to treat a great customer. I am leaving the account open simply for the points I get on my credit report from such a long standing account, but I have transferred my full balance to another card.

I checked my credit report and there were no late fees for any of my accounts. I have since cancelled the card and will never use it again. I have spoke to several individuals about this who have had the same experience.

I used several of these checks, thinking we could pay those amounts off at end of November. I think these checks are very deceptive, as several places it has in big letters NO FEE CASH. Which apparently isn't the truth!

We alway pay our Discover Card bill in full each month, and when they called to verify a check, I asked about the no fee cash advance. I was notified that any money we send them, applies to the lower APR fees first! Which means if we have a $2,000 Discover Card fee and used $400 of their so called no fee cash check and sent them in a payment of $2,000, they would apply the amount to the $400 check first and then apply the rest to the balance. Which means we are paying a high APR regardless.

I just read that Home Depot was involved in a class action lawsuit for unfair business practices and was penalized for something almost exactly like this. Shouldn't Discover Card be required to notify customers that they apply any payments to the so called no fee cash checks first before applying your payment to the total bill?

I heard no more from Discover Card until 9/26/2006 when they placed all of the old 2004 past due accounts into my credit report. That account was settled and marked paid in full almost two years. I went from 677 down to 575 over night.

Two weeks later, I received Discover Card checks with my account number. I called back in, spoke to Alisha and explained that I wanted to know the status of my account. She said it was in good standing.

I told her that I had called to cancel the account and that is when she told me there was no record of that.

I told her to cancel it, and she went into the same spiel as the last agent. After repeating my request 2 more times, she again became rude and told me that I should not cancel the card. I told her that I did not care what she thought, cancel the card. She finally agreed that she would. I bet it is still open.

I spent 2 hours of my Saturday trying to clear up this mess. The unctuous account representative spoke to me like a child, explaining very carefully with small words where I had "gone wrong in my understanding". By the way, I am a physician and Phi Beta Kappa, and so I do understand a few polysyllabic words. I told him to cancel my account, and that I would not pay any finance charges or transfer fees.

I transferred my balance to another card (0% interest).

I encountered a problem with Chase bank not utilizing my overdraft line of credit and thus my bank account over drafted and the balance went negative as non-sufficient fees compounded on the account. It took me almost 4 weeks to resolve this matter with Chase. Chase eventually took responsibility for their error and reversed almost $1,000 in NSF fees on the account. Because of Chase’s error, my November 2005 Discover Card payment was returned to Discover Card towards the beginning of December as NSF and Discover Card increased my interest rate from 16.74% to 25.99%. Chase Bank provided a letter to me and the letter stated their error. I forward the letter to Discover Card and they will not reduce my interest rate because their justification is “I have been over my credit limit within the last 12 months”.

I would not had been over my credit limit had Chase initially paid the November 2005 payment as they should have done. Discover Card also compounded the damage and caused my account to go over the limit by assessing me late fees, over limit fees and return item fees along with increasing my interest rate.

I felt completely misled. I think Discover is using fradulent tatics to keep people on board.

I spoke to the service rep and she transferred me to "retention" personnel who gave me a spiel on why I needed to keep the card. The rep was adament to the point of belligerence that I needed to activate the card and transfer all my other credit card balances to Discover.

When I refused to activate my card, the rep said he needed to speak to my husband and wouldn't cancel the ard unless he did!

After the 6 months I began to get finance charges. I called to complain the first month and they apologized and refunded the charge. When I got a finance charge the second month, I was told that I must make the minimum payment PLUS pay for any new purchases in full to avoid finance charge.

Discover was not given the authority to transfer balances from BofA and Chase after these balances were transfered to another credit card.

"James" said he needed my husband's last 4 digits of his social security. Then he passed him to Megan, who insisted she needed all the numbers of his SS to close the acct. Of course, he did not comply.

During this entire 18 month period, my account showed a perfect payment history. We made certain that the money was available in our account EVERY SINGLE MONTH. However when we were about to buy a home, our loan company ran a credit report that showed Discover had incorrectly assessed a 30, a 60 and a 90 day late report to the credit bureaus during a 6 month period.

In a completely unsympathetic tone, a supervisor explained that even though we had handled our account appropriately, the Discover Customer Service agent that setup the program extension neglected to maintain the special interest rate that would keep the account from going negative and ultimately late. He would not take responsibility or reverse the credit reporting.

After closing the account (balance owed was $1200) it became impossible to make any sort of payment on that closed account. Numerous phone calls were made to their credit dept but the response was always the same "I'm sorry but we show the account as closed". Sure enough they finally found the error after 2 years and then turned the account to collections with interest, attorneys fees, etc.

I paid the balance in full to put this and Discover behind me. Final cost to me, not including time and anguish, was $4350.

I contacted the company by telephone to ask about the reason for the rate increase. The company was very rude about my request and refused to reveal why they had raised by rate or return the lower rate.

I had a bonus of $20 that they said I could apply to my payment, but as soon as I did that they raised the interest rate from16.99% to 21.49%. When I called them to complain they told me there were some gliches in my credit report and that it didn't matter that I was a loyal customer for years.

When the second card came my name was mispelled again. So I called and they said they would send another card.

A few months later I recieved their "wonderful" 0% balance transfer offer with the agreement to make 2 purchases per month to maintain that rate. All was well until I was late on my 2 purchases for the month of October 2004 (I was in the hospital after having a baby) so they raised my rate to around 12%.

I called Discover to tell them that I would only be able to afford minimal monthly payments. They told me "they do not negotiate with anyone" & that they would "absolutely not" provide me with documentation of my attempt to negotiate with them.

It took me over 10 minutes to get it closed as the lady was clearly in their customer retention or marketing department and would not do it. She kept asking me questions e.g. what other cards do you have, what are the interest rates, what are the annual fees, did I know Discover Card had a new card with no annual fees, that they had a new gas card, etc. To each question I politely stated that I did not want a marketing pitch, I did not want the credit card and simply wanted to close the account. (Note: At no time during the whole conversation was I rude, raise my voice or swear at the person) Although she was not rude per se, after I answered the same (i.e. just wanted to close my account) for four or five questions the lady said I was not listening to her.

I told her I'd heard what she had said but she was not listening to me, the customer, and I wanted to speak to a supervisor. She did not acknowledge the request. I then asked for her name, she did not acknowledge the request. At this point, I took a deep breath and said something like "OK this is going nowhere, what do I need to do to get this account closed?" We went through a long conversation about the account, where she went on about why I should keep it open (even though I didn't use it),why it was good for my credit, etc. She kept asking me "so you are prepared to pay higher interest and annual fees on other cards". Once I said "yes it's fine with me", that appeared to be the trigger where she actually stopped and did what she needed to do to close the account.

I have been in client service businesses for many years and have never lodged a complaint about anyone. This was the most aggressive attempt I have ever experienced of a company trying to keep an account open. I felt that it bordered on harassment and that the woman, although she did so in a polite tone, was insulting me by her actions and among other things, making statements like "I don't know why you want to keep your other accounts when Discover is free." It really is none of her business. I'm assuming this tactic is what Discover's customer services are teaching their teams. I find it highly objectionable and want to know if there is anything that can be done about it?

If their objective is to keep customers, don't they know understand that these strong arm tactics do the opposite? Not only will I never use Discover again, but I'm so annoyed, I took this time to write a complaint. This is like telemarketing in reverse (i.e. I called them). Can anything be done? I realize no-one got hurt and this is probably a silly complaint, but it really was quite unbelievable. I'm sure other people have, and will have to, experience this.

PS: Another thing I found quite amazing. I have not received a statement from Discover since I thought I closed the account in late 2001. Since then, I moved from New York to Seattle, and somehow they had my new address on file. Is that typical?

I have made multiple telephone calls to Discover over the past several months and they have been adjusting my charges, but they also told me I need to increase my monthly payment. I agreed to increase it to $135.00 per month. I am still getting billed late charges and they now want a payment of $177.00 due to the error of the supervisor I initially spoke to. The customer service person I spoke to was extremely rude. I asked for his supervisor. He kept repeating to me over and over that I needed to pay the extra money to get my account current. I kept asking him to let me explain my position to him and he kept interrupting me. I asked repeatedly for his supervisor. He put me on hold and when he came back he told me his supervisor told him I would need to speak to the supervisor I had initially made the arrangements with. He said it was her mess and she had to clean it up. Imagine!!

I was given a telephone number for her. When I called that number, an automated message told me that number was not a working number. I called customer service again and was told I would just have to call back at some other time. I have had it with Discover. In good faith, I have adhered to their arrangements and all I have gotten is grief from them. They are impossible to work with and have absolutely no customer service skills. I don't know where to turn for help on this.

Discover has been harrassing me the better part of 2003. I got my husband involved to settle the account. He has made payments they requested and they assured him account would be closed.

Discover would not contact Gordon's Jewelers and left it solely up to me to contact Gordon's and attempt to recover the misdirected payment. Discover was also supposed to pay off my Wal Mart account. It has not. I have called, faxed, written ... I have done everything I know to do and Discover insist that WalMart has received payment. Discover says the payment was applied to my WalMart account on 9/15/00. This is not true. I received a letter from WalMart on December 12, 2000, and they say they have received no such payment. Discover sent me a copy of the cancelled check, but I am not a financial institution. I have no way of tracking down who cashed this check, and I do not think that is my responsibility, although at this point, I will do anything within my means to find out who cashed it.

So three and one-half months have passed since my Discover card was charged $556.83 to pay off my WalMart account, but my WalMart account still has a balance of $556.83, and BOTH accounts are drawing interest. I don't know what else I need to do to make Discover card acknowledge and correct their mistakes.

I have wasted hours trying to find out who cashed this balance transfer check. Discover Platinum has done absolutely nothing to help me resolve this matter ... a matter that is a result of their error. And this entire time, Discover has never called. Discover has never written me anything more than a standardized, impersonal letter telling me to contact WalMart. I have contacted WalMart. It is time for Discover to contact WalMart, and it is time for Discover to acknowledge their mistake. This has cost me money in interest and it has cost me money in late charges.

I asked to speak to her supervisor. After a very long pause she said "whatever" and disconnected me. I called back. After again following all the instructions and being transferred again, I spoke to Amber. I told her that I wanted to cancel the card and she gave me the same hard time about cancelling the account. I told her just to cancel the account, that I didn't need a reason only that I didn't want the card. She proceeded to offer me incentives to keep the account open, all of which I refused. I said that I just wanted to cancel the account and that I didn't need to be threatened or coerced into keeping the card by anyone who worked there. Instead of apologizing, Amber got very defensive and was very rude.

I asked her if she in fact closed the account and she told me, in a very nasty voice, that she had. I am not sure that the account is, in reality, closed. The website does not indicate the account was closed. I have never had such difficulty closing an account. It should be a very simple thing to do. What should Discover Card care whether or not I have their card? Why give the customer such a hard time? Why not just cancel the account and be done with it?