Discover Reviews

(1) When you pay your Discover statement with a personal check, Discover will retain your checking account information forever illegally. Discover does this under the guise of customer convenience. But they do this without your authorization, and without your choice to keep or delete, which is illegal. All other banks will give you the choice to keep or delete this type of information. But Discover will not give you the choice. This is a huge security hole. What it means is that a thief can call Discover, gain access to Discover account on the phone and then proceed to transfer an unlimited amount of funds out of your checking account into your Discover Card as a payment. So the thief can make purchases and empty out your checking account. One has to ask why Discover Card refuses to acknowledge keeping this information is illegal and why Discover Card so tightly holds on to this information.

It is clear Discover Card will use this information against you in an adverse situation, they will empty out your checking account themselves without your consent. So Discover Card themselves are equivalent to a thief. And don't rely on fraud protection. If your checking account is emptied out, Discover Card covering fraudulent purchases won't help you. And good luck dealing with your bank in such a situation, you will have your bank and Discover pointing fingers at each other, neither of whom will help you.

(2) Discover Card no longer accepts cash payments as Sears. This is un-American. Imagine a bank in the USA that will not accept cash legal tender for payment. That bank is Discover Financial Services now in the year 2014.

(3) If you pay back your account in full each month, you are in for a surprise. Say you make a large purchase, like appliances, that uses up a large fraction of your credit limit. When you make your payment, Discover Card will almost immediately remove funds from your checking account but it will take Discover Card 14 to 21 days to credit your account. While that is happening, you won't have access to your credit line for that time. Even if you are in good standing with all your credit cards and banks. Citi/Chase/WFB MC/Visa don't operate this way.

(4) You will never be able to use Discover in Canada or anywhere else outside the USA for anything at all, maybe for chewing gum at an airport but not beyond that like a hotel, rental car, etc.

(5) During the financial crisis years of 2008-2009, Discover Card sent those promotional checks with 99.0% interest rate. Not a joke. I kept them as a souvenir. Discover Card knows they sent them. Totally illegal. Discover Financial Services is an illegal and fraudulent operation.

(6) Customer Service at Discover Cards is ignorant. They claimed at one point that checking account information disappears after 6 months but I know that is a lie. I know that because I used card after more than a year of not needing/using it and when I called automated system I happened to come across pay by phone feature and that is where I discovered (no pun intended) they had my checking account information in their system without my authorization. Their CS dept is ignorant and unprofessional. I know that upon talking to a few supervisors who lied through their teeth regarding illegal holding of checking account information.

(7) They cash-back bonus rate is no longer competitive (actually not for quite a long time). You have to spend $3000 just to get rate up from 0.25% to 1%. Then you have to repeat the next year. The 5% bonus is nice up to $1500 but only on rotating categories and no way is it worth having your checking account information open to thieves.

So after 27 years I cancelled Discover Card. Strongly recommend you avoid Discover Card. There are many other choices with better cash back rates and with much more professional and legal services.

I faxed my documents through a FEDEX office, with a successful delivery receipt, and Discover declined to have received them. I was then provided with a completely different fax number! So where did my confidential information go to? I DON'T KNOW! With regards to one of the 5-star reviews, yes indeed, customer service does pick up calls promptly. HOWEVER, to what extent are they helpful at all? I have been calling them EVERY DAY about the status of my application for one month - more frequently than my boyfriend, but still my application is undergoing a FRAUD examination! Note that I CANNOT use my card in the first place!

Today, it took me 20 minutes to go through the security questions and get a 1-800 contact number! Do you really need to know my favorite restaurant to give me a 1-800 number? In fact, I have been calling Discover SO Many times that I can MEMORIZE their background music when my call is not picked up!! CERTAIN offices do not operate 24/7. I dialed a 1-866 number three weeks ago, a lady started off by going, "do you know what time it is?" A few minutes ago, the fraud prevention office did not pick up my call but played a automatic response. I knew this because automatic response does not go after 2 beeps. I am utterly appalled by the inconsistent service attitude. I was also FORCED to provide non-mandatory information, for example, the name of my company, which I AM SURE, that one does not need to provide from my past credit card experience.

AND I went through the ordeal for a credit card that has only 1500 limit!!!! It is not even enough to pay my rent, let alone other living expenses. I would probably keep my account open for credit score purposes, but I WILL NEVER EVER touch this card and I will make sure that my loved ones stay away from this company.

Now, while the case is still in dispute, I see Discover posts a minimum payment of $90 to be paid by certain deadline. Com'on Discover, I HAVE NOT RECEIVED YOUR MONEY. HOW COULD THEY ASK MONEY THAT THEY NEVER PAY? This is WORST experience I've had with any financial service providers. As of today, I maintain WF, BoA, Chase, AmEx, CapitalOne, Barclay, USBank - never had such an issue, and never took such long to get fixed if something went wrong.

After several hours, I gave up. I knew that the $**,***.00 check had arrived because it was in the same envelope as the $75.00 which shown received. Someone in your billing dept. advised that payments sent to Carol Stream IL were handled by a third party and everything was automated. I had to put a stop payment on the missing check. Frustrated that a check with a large amount & lots of personal financial information had gone missing in your house. Obviously the needed systems to help your customers feel helped or have an important troubling issue resolved are not available at Discover.

I will NEVER, NEVER use them again, even if I am starving on Skid Row. They doubled my interest rate and I actually had to beg, beg them to keep them from reporting this ONE payment, which the minimum was $35, I believe. I hardly use credit cards but this was Sears (who started Discover, because they are so expensive).

I check my bank account almost every day. On June 25, 2014, I saw that the money had been debited out of my account so after 10:00 p.m. I called one of Discover's 1-800 numbers and spoke to a CSR who was very kind. At first she told me they would have to refund the $127.22 by check which would take seven to ten business days. I told her that I shouldn't have to wait that long and that if the company could debit the money out, they could credit it back in. She said that they could do a credit but that it would take 72 hours. She took my account number and my routing number and reiterated that the money would be back in my account within 72 hours.

During the course of the conversation she indicated that I had another payment scheduled for July. I told her that should not be occurring because I just paid it off. She told me that she could not cancel the payment and that I would have to call RCMA the next day to cancel it. I also asked her to lodge a complaint for me because I couldn't understand why I should have to go through so many hoops to get my money reimbursed and stop payment on something Discover wasn't entitled to. I explained that I had set up payments with six companies and that Discover was number 5 that I had paid off. Of the five - Discover was the only company who took an amount over and above what it was entitled to for the last payment. The other four companies took exactly what was owed for the last payment - which was something less than what had been debited out every month and that they automatically stopped payment after that without my having to call them and tell them.

The next day I contacted RCMA and told them to cancel my July payment because I had already paid it off. The CSR acted like it was my fault that there was an extra month's payment that Discover had scheduled. I explained to her that I had no choice. I was told when my last payment would be and I had to agree. However, it is not my fault that the person who set up the repayment arrangement erred. The CSR assured me that she had canceled the July payment. Some 36 hours later, I received an email from Discover which indicated that I would have a final payment of $200.00 in July even though the letter showed that I had a $127.22 credit as a result of my June payment and even though I had been assured by the CSR the day before that my July payment had been canceled.

On Friday morning, June 27, 2014, I called and spoke to yet another CSR. I explained the situation including that I had been advised Wednesday morning that my July payment had been canceled but had received an email on Thursday telling me that I would have a July payment. He assured me that I would not have a payment debited out in July. We also talked about the refund that I was expecting to be credited back into my account. I explained that I had not received it yet. He indicated that it was in the works and that if it didn't show on Monday, I should call back.

I got home from work at 6:00 p.m. today. I checked my bank account again and saw that the money was not there. I called Discover again and got passed around. The second person I spoke with told me that the refund was not being credited back into my account but had gone out in the mail. She couldn't really tell my why I had initially been told that the money would be credited to my account. I asked to speak to a supervisor. The supervisor said they don't usually credit refunds back into accounts and that it would take longer to do that than to send the money via snail mail. He said it would take 15 days instead of 72 hours to credit it back in my bank account. He also indicated that the money was slated to be placed in the mail tomorrow. He would not credit the money back into my account immediately. He would not overnight the check to me and he would not even give me a guarantee that the check would be placed in the mail tomorrow. So here we are four business days into the matter and the check is not even in the mail and I have been given nothing but misinformation. I again asked about the cancellation of the July payment and was again assured by the Supervisor that it had been canceled. But at this point, I am not sure what to believe.

I will admit to not being very pleasant by this time because of the run around. I went through a very painful time of losing my job and being ill. Where I once had excellent credit, I was now being hounded by creditors. I entered into the repayment agreements in good faith and I kept my word to pay off the cards. I find it unfair that I am made to wait for my refund which at the most should have taken 72 hours to repay. I am also disheartened by the cavalier attitude of the CSRs. More than anything else, I am bothered by the number of people Discover must be doing this to.

All I want is my money back and a guarantee that Discover would not debit any more money out of my account since I have paid them off and owe them nothing. I cannot be the only one this is happening to. I wonder how many people don't even realize that Discover is taking extra money and holding on to it. Discover might want to consider following the lead of the other credit card companies who have it right and debit only what is owed in the final payment and automatically cancel all remaining payments once the balance due hits $0. Otherwise, Discover may be facing a class action lawsuit. I for one intend to spread the word.

I called Avast very next day and they said I authorized a yr of tech support and I argued on the phone with the rude lady saying I didn't want that and I want it cancelled! Knowing that I have a right to cancel any transactions within 3 days AND I didn't know I was being charged that much. She wouldn't credit me back saying, "Sorry no returns." So I called Discover to dispute the charge and they won't credit me back saying the merchant provided documentation of the charge being authorized and since I have no proof or documentation that I am responsible for the charge and no credit will be returned back to me. I explained how I got scammed and thought I was authorizing $34.99 not $194 & they won't do anything about it! Total bs!!! I also explained that it does NOT matter if I authorized the charge or not, BY LAW, I have 3 days to cancel any transactions! But because I don't have proof of cancelling it when I called the merchant, within 24 hrs, and they refusing to credit me back Discover won't help me get my money returned. I'm so pissed!

They twisted my response to make me responsible for over $2300 in transactions when the ones I noted I was aware of totaled approximately $200.00.The person who stole my identity wiped out my bank accounts leaving me with 3 dollars. Discover has been very stern saying they expect me to meet my obligations. This is the Discover card that claims the first missed payment will be forgiven. Because they are internally disorganized, the first person I spoke to in their fraud department told me not to pay. I did not.

It was reported to credit companies and hurt my credit significantly. Therefore they are making bold faced lies in their advertising claims. There is no way I can service the debt on this account. I can barely pay my utilities. This will result in destroyed credit and no access to credit. Before this theft I had zero debt. Decent credit. Now I have debt and Discover is destroying my credit. This is re-victimizing the victim of the highest order and must be stopped.

For now, I've kept my Sam's Club membership, as I have my medications through their pharmacy, but since then my purchases have been made using other cards. Discover has certainly given me a very bad taste and makes me question my loyalty to Sam's Club in general. Rules should not be broken, but humanity needs to be applied as well.

We had heard nothing from Discover to this point even though they have my home and cell phone numbers and any calls to home are forwarded to cell. Called Discover and they had no explanation for the denials except for "security." They told me the card was good again but could not explain why it was denied or why I wasn't called. Went to two different Discover supervisors about this, telling them they had to call all three businesses, explain it was not their customer's fault and apologize for Discover's error. They refused to do this and I cancelled the card. It has been two months now and I have not received a single call from Discover after 26 years as a customer. I have no idea what they are thinking or if they are thinking...

"How to Avoid Paying Interest on Purchases (Grace Period) - If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement."

My due date was November 2, 2013 but pay off the balance on October 17, 2013 yet Discover charged me interest.

I have asked Discover many times to reconsider lowering my rate to 12.99% in light of the fact that I have been extremely diligent and have not missed any payments. Their response was that although they do have banking services, they are not a bank and are unable to work with consumers the same way banks do. I found this curious since my rate was 12.99% and they were able to work with me for a year. Discover's response has been consistent in their refusal to work with an individual who is sincere in his desire to settle his debt, and I feel that I am being punished for trying to do the right thing in paying off my debt.

The last response from Discover actually shocked me. The agent on the phone suggested I apply for a new card that Discover is offering that pays back even more. I understand that I am responsible for getting myself in this problem and I am not asking for debt forgiveness. I am only asking for Discover to help me out the same way Chase Card Services and Wells Fargo has.

I was told six months ago from Discover that if I call in three months, I would be able to have my interest rate lowered, so I called tonight (six months later and still never, ever missed a payment). Yet, they tell me I have to fill out paperwork and it could take 30 to 60 days for them to review my account prior to lowering my interest rate. First, I was misled by the person I spoke to six months ago and secondly, the only reason they refuse to lower my interest rate is because I am a good paying customer monthly who is covering for all the people out there that aren't paying off their debt!

Every other credit card company I dealt with, example, Chase, Citibank and Bank of America, lowered my interest rate with a simple phone call. Why is Discover being so difficult? We covered many companies from failing through Tarp money. I want to know where the help is for middle class Americans who pay their debt on time, but are expected to pay down debt with interest rates as high as 19.99%? Middle-class Americans need to stand together and fight this unfairness for it's us who are paying for everyone else's debt! Don't use Discover cards!

They told me everything I had to do to put in a claim and I did everything they said (got the police report, filled out the paperwork). Then they told me a few weeks later that my claim was denied because it was "loss of personal property with no evidence of a wrongful act”. So basically because my stuff wasn't stolen out of my hand or my house, I don't get my money back for those purchases. Sadly, I understand that lost items don't count for this benefit, but seeing as I wasn't just being irresponsible and leaving my things around and because it was a terrible experience that was not supposed to have happened, I would have thought they would have been more helpful. By now my stuff is most likely taken by police when they were doing their investigation or stolen by people in the hotel eventually, but who knows. I am just angry that they can't help their customers out when something horribly traumatic and out of their control happens. It makes me wonder what other things they wouldn't help people out with. This is my first credit card and I already plan on cutting it up when I make my last payment.

When I signed up for Discover, I was given a $5500 credit limit due to my credit score, which was good. Out of the blue, I got a letter from Discover that I was getting close to my credit limit. I was at $2500 so they lowered my limit to $2600. I called Discover and asked why they did this as I've been a good customer, never late, etc. etc.. and the lady told me, "You're using your card too much." Then she went into asking me about certain purchases I made or any cash advances I took - like it was any of her business.

I explained why I was using my card more than usual and after such and such a date, I wouldn't need to use it anymore and I would start just paying it off ... which was like a month later. We spoke a bit more and she basically "blackmailed" me into the payment protection plan and she was going to set me up for automatic payments out of my bank account, so if I didn't pay by my due date, the following day, it would come out automatically to ensure they get paid. I said, "No thank you, I would like to keep track of my own finances." She then had the nerve to tell me, "The only way we'll raise your credit limit back up is if you do this."

Not only do they rip customers off, they blackmail you too. I don't know how they can make you do anything. I thought the payment protection plan was an option, not a requirement as they charge you $35 a month for it. I have yet to have to use it, but after reading some of the complaints on here, they don't activate it when you need it anyways. They find a reason why you can't use it after you've paid for it (involuntarily paid for it, mind you) and I have yet to be late on a payment since this happened, but I may be this month due to a financial hardship from some recent medical issues.

If they automatically take it out of my account, I will notify Bank of America that they are unlawfully taking money out of my account without my authorization so there is at least a paper trail of their wrongdoings. It is just disgusting what they have done to some of the consumers out there. The thing that kills me, the customer service reps, and so-called supervisors that are supposed to help people. How do they sleep at night knowing what they are doing to the customer? How do they train them to be such, cold-hearted, uncaring individuals? Maybe they blackmail them too or threaten them like they do to some of the customers.

It's just really sad that money does rule the world. If you have it, you're in good shape, but if you don't and you need it, they screw you over any way they can to make an astronomical profit. Discover should be shut down and all customers of theirs should be given back all fees that were illegally taken from them. The $8 they reimbursed people in the class action lawsuit for the payment protection plan was a joke - but yet, they still continue to add it to your monthly bill - at least it is still on my monthly statement. As for the $35 payment protection plan charge, after the lawsuit, how are they still able to do this?

Also, when I paid my balance in full in November, I closed the checking account attached to my auto pay with Discover. I notified Discover of this, and because I did not have a balance with them, I did not provide them with a new debit account number. When the second $10 occurred, they tried to debit my old account that was closed. Because the account was closed, they charged me a $6 fee. They refuse to change my standing with them and I have been a customer for 3 years and never been late on a payment. I have parted ways with Discover over $10.

I requested that they correct the situation and report back to me with some sort of written confirmation that my social had been removed from the account, and that I was in no way liable for any credit issues related to the fraudulent account. I requested this because I anticipated the need to provide the said proof to any credit bureaus that may have inaccurate information due to either error or fraud.

Fast forward to today, March 13, still no follow up received from Discover card. I called them again. I was passed from customer service rep to customer service rep. I was advised that "security is taking care of this". I was advised that their "investigation specialists" were handling it. I was asked to provide my social security number to them on four different instances in the span of one call. I finally demanded to speak with a manager.

The manager named ** in Ohio advised me that my social security number had been removed from the account, but that the company has no way of issuing a confirmation in writing to me because the 'fraudulent' account was not in my name. I explained that this was the whole point: someone else's active account had been connected to my social security number, and therefore anything they did would be appearing on my credit history. They insisted they could do nothing. I advised them that I'd be filing complaints with Consumer Affairs and BBB.

With increasing alarm, I contacted Discover Card by telephone and letter on 8/16/12 to alert them to my problem. Much to my shock, Discover Card increased the credit limit on my account, thereby accommodating the merchant's charges. In spite of my attempts to resolve the issues with the merchant and submittal of supporting documentation to Discover showing inaccuracies on invoices, Discover refuses to remove the charges. Discover’s actions in this matter have shielded the merchant from normal responsibility to justify charges and have made Discover an accomplice to the merchant's unsavory business/billing practice. I’m stressed and exhausted and need help! Never before experienced lack of protection and partiality to merchant.

Oh, I tried to collect my accumulated award and the link to Amazon.com was defective and would not give me access to Amazon.com

It did not matter to them that I was the person who set up the account for my mother via POA that was earlier sent to them. It appears I must send them the POA every time I need help managing my mom (who has Alzheimer's disease). Discover is demanding I send them yet another copy of the POA. Discover Card in the past had issued another card to my account from an email originating from China without my confirmation/authorization. This took the Federal Trade Commission and FBI to get Discover to halt that card and issue another one to me without the Chinese person on the account. It also took the Federal Trade Commission to get involved with Discover Card to remove a fraudulent charge from the credit card.

Discover Card demanded I work with the totally unknown company that I had no contact information before they would allow the charge to be contested. The charge ended up being a test before the identity thief maxed out the card with charges. And Discover Card refused to turn off the card unless I had worked a month with the company to remove the charge, and fortunately the FTC immediately had Discover Card freeze the card and issue another one to me.

The second problem occurred during Christmas shopping 2011. I made several, probably 6, purchases during the course of one shopping trip. For no apparent reason, my card was denied at the next store. I paid with a personal check (much to my embarrassment) and called the Discover customer service number. They said I had used the card too many times that day. I inquired as to how many were my "limit" and they couldn't tell me. "It depends," they said. I asked if it was a dollar limit or a transaction limit. They didn't know. I asked how I was supposed to avoid this embarrassment in the future, and they couldn't tell me. I never did get answers on this matter. I just had to assume my next purchase might be denied.

The clincher happened today. I received (unsolicited) a new card in the mail yesterday. It had instructions to call and activate it. I called and went through the activation process. At the end of that process, there was an offer to purchase their "credit protection" (don't remember their name for it) plan that pays off your balance if you're injured, unemployed, die, etc., for $1,60/ every $100 balance every month. The option to buy this plan was "press #3", "otherwise, press #9". I pressed #9 (don't want the plan), and a message began thanking me for signing up for the plan! Then, the call ended!

I called customer service and tried to explain to a machine what just happened. The machine wanted to know my problem, and in saying I wanted to "cancel the credit protection agreement", it thought I was saying I wanted to cancel my card. It cancelled the card! I called customer service again, finally got to talk to a real person, and they told me basically, "too bad". I asked to speak to a supervisor and was told the same thing. He said I could apply for another card, but this card could never be reactivated. After reading all these reviews, however, I have decided dealing with Discover is too risky. I won't be reapplying.

I called Discover customer service and explained that I was unemployed and struggling as it was, that these additional charges would make it impossible for me to make the payments. I asked that they freeze the account, lower the interest rate to where it was, and set up a payment arrangement. They refused each of my requests, and I fell behind. I stopped making the $25 payments when I realized the collectors were in no way interested in settling my account. Rather, they continued to pad the balance with over-the-limit fees and high-interest charges.

They reviewed my financial situation and found that there was no money anywhere and that I was in jeopardy of losing my home. So they sued me for $1,700 - the balance they said my account had grown to as a result of all the fees and high interest. Having no money at all to spare, I was unable to fight them in court, so they won a $1,700 judgement. When I was unable to pay to the judgement, they put a lien on my home. Discover gets away with these practices after asking the government for bail-out assistance to cover collections losses. They're double dipping on top of everything else. It's quite a racket Discover Card is running.

The next two months were hard on my father and he could not pay the monthly payment of $110. So, my credit card was two months past due. We started receiving calls from Discover on our cell phones because my mom cut the landline. We started receiving calls from these people 3 to 4 times a day. It got to the point that I was receiving calls in the lecture hall during my classes. I was pissed and I got very nasty with the collectors at Discover.

I worked in collections for 5-7 years and I knew the job extremely well. I quoted them Illinois law that they are to make contact with the person once a day. They can't contact you at work because you can get fired and then have no money to make those payments. Discover has programs that they can buy and get all of your information, like Lexis Nexus is one of them. They can contact your family and neighbors and leave messages. They can pull your credit and obtain information from your other creditors like alternate phone numbers to check and see if the information on the screen is the same as the information they have.

My father has made payments every month after that situation and the interest rate increased from 9.99% to 29.99%. I called to see if they would lower the interest rate and Debbie, AZ customer service rep, told me that that was the best rate they could do. So, I told her that it was fine, that I would pay the balance off and cancel the card or never use it. Then, she said that she would send me an application to fill out and have someone at Discover review my interest rate manually. I asked her what would that do for me. Dead silence. No response. Silence is a mighty force and it answered my question. I told her that the company she works for is crappy and hung up. Thank you for providing this page. It feels good to vent.

After that, they must have sold the collection list as I got an abundance of calls from various collectors and only one of them said he was sick of his company's mistreatment of people like me and said he wouldn't bother me anymore. It got quiet for a few years and now I got a summon from Discover to go to court. They are suing me for $20,766.59, about 11 times more than what I was trying to pay off in the beginning. Discover had better have all those "recorded" phone calls they claim to have and bring their copy of my billing from day one. What horrible creeps! I hope President Obama's ruling will help put Discover out of business.

My balance in March 2009 was $5,319.43. Today, it is $4,252.70. With monthly payments of $156.00-$90.00 a month, no late fee or charges were made to the card since 2009. This card will cost me $10,000.00 to pay it off at this rate. Stay away from this card. They promise you the glorified rates when first opening an account. But if you have sudden life changes as I did, they will not work with you. Go elsewhere - Chase, PNC, Capital One. I hate Discover. They are a ripoff and not customer-friendly or considerate.

The consequences of Discover’s failure to cancel my card as requested was that my credit score dropped over 200 points. This happened last February. I complained to them and they said there was nothing they could do. I disputed the charge to my card on the basis that I canceled it and got nowhere. But at least after this fiasco I was assured by the people at Discover that my card was cancelled, which I thought was the case until I received mail from Discover last week. The letter said they had lowered my APR from 29.9% to 26.6%. That is great, but I don’t have a Discover Card. I cancelled it twice. I called today. They confirmed that the card was not canceled, but was suspended (because of being 6 months late on payment!). I was transferred 3 or 4 times and then the line went dead. I am done and I need help not just with the cancellation of my card, but also in restoring my good credit score.

Now that I can't meet all the other bank's newly raised minimum and interest fees (due to Discover's re-rating me), I am 2 weeks late. But they are calling me night and day, harassing me, insulting me, threatening me, and claiming to be government agencies like the IRS. This is the most abusive, criminal, and unethical creditor I have ever heard of!

Recently, I started getting phone calls from Discover. I felt no rush to return these cards as I was not using the card and as of Sunday, March 18 (only 2 days ago), I saw that an email message came, stating in the message line that I was "nearing my credit limit". I ignored this message because I have received them before and I thought that they were posting a warning that my interest had been applied, but I knew that it would be paid off with my recurring payment.

Today, around 5:30 pm EST, I called Discover back and was sent to a customer service representative. She informed me that the law had changed since we entered our agreement and I now owe $191 a month to meet the minimum payment. She also told me originally that I owed $300 (not exact but close) to get my account under the credit limit. I questioned how I could be over the credit limit when I no longer use the card. Then, she informed about a new law requiring a higher payment so I can pay off my debt and then told me that original payment should have been set up for $181.

I asked how much I owed in late fees, because I did not feel that I should pay these, since I was set up on an automatic draw, initiated by Discover and was not given any written disclosure regarding a change to my payment due to the new law. She said that she was willing to forgive $200 in late fees but I still owed over $300. I asked when my card was overdrawn and she told me that once I was $60 overdrawn. I agreed to pay $100 but refused to pay any extra, since I do not use the card and found it hard to believe that Discover would allow me to overdraw, knowing that I'm on a payment contract with them.

We talked for quite some time and I never resorted to name calling, raising my voice or other disrespectful behavior. I heard laughing in the background as our conversation continued. It sounded as though several people were laughing in response to our conversation. I asked her if they were laughing at our conversation and she said that they were laughing at her end of the conversation. I then told her that I expected my account and the people working in that department to act professionally and treat me with respect and she could call me back if/when I could expect that environment.

I have requested that Discover send emails regarding my account. I have roughly 15 emails from them since January, 2012. Not one of them states in the message line that I passed my credit limit, instead, a few of them state that I am nearing my credit limit. The rest state that my payment has been posted or a statement can be viewed.

When I asked about lowering the interest rate, their response was "We have no lower rates at this time". Whatever you do, do not get or recommend Discover to anyone, not even your worst enemy. These people are crooks in the worst way, and our lawmakers do nothing. I'm in the process of finding a credit union which will issue a card, so I can transfer my balance from Discover and close the account. I'm going to tell them they can stick it where the sun doesn't shine.

Please only use your credit cards if it is your last hope. They are criminals. Discover financial had second quarter fiscal profit of 593 million, which can be verified on credit card assist.com. Stop using them. They should go to jail for what they do to hard-working people.There needs to be strict laws for the horrible things they do.

Obviously, they are becoming richer and richer while most Americans get less and less in their paycheck, and the price of everything has skyrocketed. We have power as consumers. Stop using them if at all possible, and pay off quickly. With profits like that, something is wrong in this world.

They offered to run a credit check to see if they could raise my limit and I declined, knowing that credit checks could possibly lower my credit rating even more. I told them to forget about it that I would not use the card and would put all my efforts into paying it off. We were planning on purchasing a new car at the end of the year, but with only a fair credit score our interest rates would be too high. I would advise everyone to stay away from Discover Card.

A few months later, I realized that while we were still making a minimum payment each month and we were being charged 24% monthly interest without ever making a charge on the account. I contacted Discover again and again received a "benefit claim activation form" and provided it to my doctor, who faxed it to Discover. Again, my "benefit" was never activated. I returned to "part-time" work with restricted hours in September 2009. We re-applied again for the benefit and it was never activated. In May 2011, we lost our home to foreclosure. Our payments to Discover were automatic by Discover. After moving to a rental, I found that we were still paying a minimum amount, still incurring 22% interest and still paying $60 a month for a benefit we've never received.

My payment history is good enough to make new purchase but not to lower my interest rate, even a few points of the 15% they raised it for a couple of late payments. I told the person on the phone to either lower the interest or cancel the card. She told me she couldn't lower the rate except for new purchases. I asked her to cancel the card then. I had to ask 4 times for her to cancel my card. I don't advise anyone to apply for a Discover card, and if you do have one-cancel it.

When Wal-Mart opened in Rosemead, California, they were primarily accepting your card. I decided to re-open my account. I was promptly denied credit from your company, without any real explanation. I couldn't believe it, because not too many of your credit card customers have a better credit score than I have, and have a net worth of over 6 million dollars. So, I wrote your credit department thinking that you made a mistake. Again, your company denied me credit.

So after receiving several of these unsolicited offers from your company, I've taken the time to write this letter. So in short, I do not wish to ever have your credit card again, because your company doesn't have a clue on what they're doing. Please take my wife Christine Ann ** and myself off your mailing list and do not send me any more unsolicited offers from your company again.

My name is Thomas ** and I want to start out by saying no matter what your personal opinion, Discover Financial Services is essentially a white collar terrorist organization, and they are committing acts of financial terrorism against millions of decent, responsible, hardworking, respectful, reasonable American citizens everyday in broad daylight. These are much more than acts of financial terrorism though as they force people to lose their homes, to go without food, to not provide for their children, to postpone basic and/or urgent medical care, because Discover Financial Services has devised a system (And it is not very complicated to do what they do, and see how they do it) whereby they saddle a consumer with a debt that they cannot pay off.

Some people will read this and respond as a minority of people has responded to my many other posts all over the Internet and say stuff like: "You should be more responsible", "You shouldn't have gotten the card", "You borrowed the money, just pay your bill". I do not know if these people are just being contrary, playing devil's advocate or actually work for financial institutions and are out there representing the other side. To people who say I should be responsible, I have paid every other bill I have ever had, in life, in full and on time, with no issues - So why not Discover? I have always paid my rent, my car insurance, my car payment, my utilities, my phone bill, my Internet bill, and all other bills on time and in full, why not Discover, curious isn't it?

The answer is that I actually have paid my Discover Card bill. I have a credit limit of approximately $5,000 dollars, granted, I have borrowed this money from Discover over the 10 years I have held the card, but I have also paid the amount back in full at least 6 times (Yes, $30,000 for an initial $5,000 LOAN, and they're not done yet), but that is not good enough for Discover Card - you see with Discover you don't simply borrow money and pay it back at a reasonable rate, this companies gets its claws in you and will not let go, until you have paid at least $50,000 for a $5,000 loan. They'll get you with late fees, they'll raise your interest rate, and they'll get you with late fees by **Moving your payment due date around (Without notification), and then adjusting your minimum payment due (Without notification).

To the people who say, "You shouldn't have got the card", that would be like telling the 99% of Americans in debt to financial institutions, "You shouldn't have got a college loan, it's your fault", or "You shouldn't have got sick and got that medical debt" or "You shouldn't have got upside down in your mortgage", but No One got into debt on their own, or by playing by reasonable rules. The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, and lied to, cheated, robbed, swindled. A crime, many crimes have been committed, in broad day light but nothing is done because it is white collar crime, and many, if not all of these companies have bought political protection, like people used to buy protection from the mafia. No I got a Discover Card with an initial contract at a low interest rate, and like many consumers, Discover Card found a way to more than double my interest rate once I charged money on the card.

I was one of the unfortunate, innocent, naive people who were solicited by Discover Card as a college student. This practice (Of soliciting to college students) was recently banned; unfortunately I cannot be grandfathered into the ban. I was a college student, it was over 10 years ago, and like many college students I needed a little help making ends meet, I did not (as some coldhearted people out there like to say ) splurge on frivolous items, like a big screen TV, or a game system, or a ping-pong table. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I do not buy frivolous things. I am a very responsible consumer.

Discover Financial Services offers consumers one thing and then when they have you out there holding one of their cards and using it, they alter your contract. And this is something - that has to be illegal - And I have only seen this with Discover Card. With any other contract I have ever been a part of I not only had to read and agree to terms, but I had to sign and initial the contract and is changes were made they had to be read and initialed. With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (Where is the proof I actually received the letter? ) and mind you they will bombard you with letters, and no one reads those letters and all the small print, but this is the important point, whether you got the letter or not, you agree to changes in your contract - by simply continuing to use the card - So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store. Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers?

When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1). This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much. In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts, it's part of their business strategy, get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost - even when it means their daily practice of breaking (And apparently creating) the law.

Most recently Discover Financial Services decided to change (Without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, et cetera...but Discover decided to change my payment due date. This led to me (As I am sure millions of other Americans) being late on my payment (Oh Wow! look, instant revenue for Discover Financial Services) - as soon as I and I assume millions of other Americans went late on our payments via Discovers latest scheme, they generated 100's of millions of dollars in late fees.

They hit me with late fees, and, but - here is the genius of it ***I have always paid well above the minimum monthly payment due - say my minimum monthly payment due is $70 I was consistently paying $100. Unfortunately (Guess who else knew this?! Discover - this is how we are all playing a rigged game) so I went late on my payment, because Discover decided to change my payment due date, without notifying me of the change, then they hit me with late fees (Keep paying attention this gets amusing), they folded the late fees into my balance, which increased my monthly minimum payment due - and here is the kicker - my monthly minimum payment didn't go up $10, it didn't go up $20, it didn't even go up $30 (To $100 from $70) it went up $43, because Discover has my payment history right in front of them, and if it only went up $30, they wouldn't be able to catch me with late fees again, when I went in to pay my monthly minimum payment and like most responsible consumers paid over the minimum ($70 and I was paying a $100), but it wasn't $70, and conveniently it was over $100, because they knew I would pay $100, and they knew they do not, and did not adequately inform me or any consumer of these changes, in payment due dates, raises in interest rates, raises in monthly minimum payments, et cetera. so they got me again, late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.

Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment, but it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?

Finally, I have informed Discover Card that I am launching an all out campaign against them, via the BBB (Which I am starting to think has been bought off by big business), the FTC, The American Civil Liberties (Because I think the financial institutions inherently violate civil liberties, and generally a person's pursuit of liberty, freedom and happiness) my States Attorney General's office (In Georgia where I live and was the initial crime took place), and also with The States Attorney General's Office in Utah and Delaware where this company runs it's criminal enterprise (I am also going to talk to an attorney about bringing charges against Discover Financial Services under the RICO statute, as this is a criminal, racketeering, organization operating across state lines) I am also out here filing complaints all over the internet at the many internet complaint boards, via Facebook and Twitter.

I informed Discover of these intentions and now they are harassing me. Specifically, now they will not correctly receive a payment from me. I just paid my October payment, over the monthly minimum, of course, on time, of course, remember I am otherwise a 100% responsible consumer (Except, apparently in my interactions with this illegal, fraudulent company) Buy Discover promptly sent me an e-mail on Monday saying I missed my payment again. When I contacted them, they said the e-mail was incorrect, and that I had made my payment in time and in full, so I asked them to send me an apology and an e-mail containing the correction (Correct info) and was informed that they could not send that via e-mail, they would have to send that via conventional mail. That's right they will send you incorrect info through e-mail, but the correct info, can't do it.

One more interesting/amusing thing - Discover Financial Services informs me that they do not have a complaint department?! What decent sized business doesn't have a complaint department? I assume the Discover Card complaint department was so overwhelmed the company gave up trying to operate one, and they certainly do not care about customer complaints and this is one glaring sign of their disregard for customer service.

I have said this to Discover Card numerous times. I simply want Discover to recognize that they have an extremely dissatisfied, angry, disgruntled, activist customer out here, that is much more of a liability to them than I could ever be an asset, and I want them to forgive my remaining balance (Approximately $3,500) and send me a letter officially ending my relationship with their company. I am extremely dissatisfied with this company. We both go our separate ways, that simple. It is like how every now and then a restaurant has to comp a meal. Well Discover Financial Services are going to have to comp my bill. I must reiterate that I am not trying to weasel out of paying my bill. The fact I have already paid my bill 10 times over. While Discover Financial Services tried to ignore this situation I will be out here fighting via every avenue imaginable until I find satisfaction and justice.

In closing Discover Financial Services is a White Collar Terrorist organization operating with impunity in The United States. History will look back on them as the criminals they are, and see the acts they have committed for the depravity, greed, ruthlessness, lawlessness, and as the treason that they are.

It's my Cashback Bonus and I should be able to use all of it, including the change, at any given time, right? Also, their late fee of $39 is ridiculous. I know of no other credit card company that charges a late fee of $39 for as much as a month but on an occasion I have been charged this ludicrous amount for being as little as one day late, and when they do that, they automatically raise your APR also.

I just called and spoke with an "account specialist" about having my rate lowered and she advised me that they had done that several times already and even though we are in an economic crisis nationwide at this time, 21.99% was the best they could offer me. I told her that if I were to file bankruptcy, I'll bet they could lower it then! No response. So, Discover having it shoved up your ** with Discover card! Visa is a much better company to work with during hardships. Adios, Discover card!

I have since called to resolve the issue, paid the bill and demanded a letter from Discover informing me that the account is closed. I also requested that they fix my credit report. Discover refuses to fix my report.

On Discover Card's website, they state: "Phone payments must be canceled by 5:30 p.m. Eastern Time on payment posting date." I called again on Sunday, only to be told that phone payments are processed in the morning of the posting date, and there is no way to cancel them, and that I should have called the day before. When I explained that I had called the day before, and spent 2 hours talking and on hold and that their hours are misstated and their posting information is incorrect, the supervisor told me that I should call during the week. The misleading information on the phone answering service and the website has screwed up my finances for the rest of the week. If I hadn't been able to take a temporary loan from family, it would have cost me $35+ from my bank in overdraft charges plus late fees from Discover.

I'm a graduate student making less than $10,000 per year and I pay my bills 2 weeks ahead of time; Discover wasted my time and nearly cost me $60+ in charges. My recommendation is do not enroll in phone payments; they are difficult to get a hold of, thanks to misinformation, and do not appear to accept any responsibility for misleading information.

Not being permitted to see a statement, I don't know whether there were any fraudulent charges on my account, whether my payment was or was not made and what it was and whether there will be any late fees associated with the date change from May 13th when my payments are scheduled to come out (the 13th of each month) to May 11.

I continued getting "verified and updated, the account belongs to you" so I asked for a validation method per FCRA in January (I am still waiting for it. Even the card holder sent a letter that I be removed from the account since it was not mine. All letters were sent Certified Mail so I have proof! Per the FCRA Section 603 - I was not the consumer, I was not offered "firm offer of credit" nor did I ever sign an application for credit with Discover or provide them any of my information. I think they are a devious, back-handed operation and would never do business with them.

So, here was how it happened. After I used Discover card for a while, I needed to move to Canada, so I used I.P. relay service to call Discover (as a hard-hearing person without land line at home, I.P. relay was the only communication method for me with Discover) and required an address change. Suddenly, the relay operator told me that the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online.

After my account was locked, I immediately contacted Discover's security department to verify my identity. I informed the Discover representative, Kay, that I couldn't hear sound so I couldn't pick up their call. Kay insisted that their record showed that they had spoken to the cardholder so they would still go ahead and call back. Well, how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore, it is either (1) this Discover representative was a liar, or (2) the representative was unprofessional and didn't know what she was talking about.

I was still willing to give Discover another chance. Several days later, I successfully verified my identity with the next representative, and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what, they locked my account again, despite my effort to verify my identity a week ago.

On the next day, before I departed from U.S., I told a Discover representative, Ariana, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later. I had to explain to Ariana again about my disability and I couldn't pick up a phone call. She just said that she couldn't continue the call and hanged up disrespectfully. At the time, I was completely done with Discover.

So, the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away. When they don't like answers from cardholder or feel that their ego is invaded, they treat the cardholder like a thief in a rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And when Discover realize that the cardholder is actually moving to another address, they are putting the cardholder at the risk of exposing information to the next renter at the previous address.

They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot of work to do at that time--and when I was very sick and coughing painfully. How their fraud department handles fraud is absolutely ridiculous and laughable. My Visa and AmEx card companies politely changed my address without any problem; hence, I concluded that Discover service is trash and I will not do further business with them. No wonder Visa, MasterCard and AmEx are still the mainstream while Discover is still a nobody-care credit card company, along with their uncivil and backward representatives. Don't use Discover.

Suddenly, the relay operator told me the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online. After my account was locked, I immediately contacted Discover security department to verify my identity. I informed the Discover representative, Kay, that I couldn't hear sound so I couldn't pick up their call. Kay insisted that their record showed they had spoken to the cardholder so they would still go ahead and call back. Well, how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore it is either (1) this Discover representative was a liar or (2) the representative was unprofessional and didn't know what she was talking about. I was still willing to give Discover another chance.

Several days later, I successfully verified my identity with the next representative and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what? They locked my account again, despite my effort to verify my identity a week ago. On the next day before I departed from US, I told a Discover representative, Ariana, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later. I had to explain to Ariana again about my disability and I couldn't pick up phone call. She just said she couldn't continue the call and hung up disrespectfully. At the time, I was completely done with Discover.

So the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away. When they don't like answers from cardholder or feel their ego is invaded, they treat the cardholder like a thief in rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And does Discover realize that if the cardholder is actually moving to another address, by refusing to change address, they are putting the cardholder at the risk of exposing information to the next renter at the previous address? They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot, lot of work to do at that time and when I was very sick and coughing painfully.

How their fraud department handles fraud is absolutely ridiculous and laughable. My VISA and Amex card companies politely changed my address without any problem, hence I concluded Discover service is trash and I will not do further business with them. No wonder VISA, MasterCard and Amex are still the mainstream while Discover is still a nobody-care credit card company, along with their uncivil and backward representatives. Don't use Discover.

They were supposed to take them out on a given day but would send them in early to be processed by that day. Then I stopped having them taken out and they called and said they would lower my interest rate to help me get caught up. So I agreed to this and then found out they did not lower the interest rate and were charging me almost the same interest per month as the payments they were taking out.

They stopped taking the money out of my checking account and would start calling again. I would make arrangement again but they never started it back up. After awhile I just stopped taking calls or paying because they had lied to me so many times.

But over the past few weeks Main Street has routinely called in an attempt to collect this "past due" amount. I've spent hours on hold trying to get them to talk to each other to no avail. Discover can not talk with us about the account since they sold it to Main Street and Main Street does not recognize the cash back balance payment. I'm stuck. I’m filing complaint with the Missouri AOG office next. This resulted to hours of time and effort, frustration, past from pillar to post. Talking with a new or different person each point of contact. We have always paid the entire balance each month on time and within terms. Loss of credit ,notice of delinquent status, etc. All of it due to Discover or Main Street. I have documentation of each step.

She withdrew over $1200 on the Discover card and my father was never alerted by them. Now Discover won't cover the loss because they said my father let her use the card on his first day out of the hospital.

At this time, there was only one late payment on this card that resulted from miscommunication during separation, yet that was enough to jump the interest to 22.99%. I paid $400 a month for well over a year yet hit a rough patch, calling Discover to see if we could reduce interest, thus, payments. They gave me a 6-month "deal", $106 a month, 9%. I think, great! At least until I saw that the interest was $100. One payment, I had to split up, the last $35 of the $106 was one day late and got hit with over limit charge And late fee, another $35 and $29.

When I was able, I kept up with anywhere from $200 to $600 a month payments, yet we never seemed to get anywhere. Initial balance was almost $9,900, yet by November 2002, I did have it down to $9,500 and felt like making a dent. At that time, I had not realized the card was not yet closed out of my ex's name, so while deciding to print off previous statements, I noticed a charge of $79.95 for a Discover Driver's Premier "thingy". Having no clue what this was, I called. Seems that even though we'd been divorced for a couple of years, the ex was still allowed to use the card I was paying on. They had contacted him in another state and convinced him to purchase it without my knowledge or consent (which Discover didn't seem to care about. It also was made clear that, even though I was responsible for the debt, I could not cancel the card. However, I did finally manage to get ex to close it out the end of 2002. Now the real fun begins.

The job I had moved to another state to closed its doors so unemployed for several months, I called Discover several times and guess what? Nothing they could do so it had to default. I offered to pay bits as I could, they said not good enough, i.e. "less than we can accept at this time." I just said whatever, it's all I could do and was trying to work with them, etc. Again, they just repeated not good enough. I had several calls from them over the years, the last resulting in an actual nice lady who said, "How about this? Since the card is in both your names and since he used it after the divorce, we'll only make you responsible for $5,500." I told her that would be totally awesome, yet interest still needed to be removed/stopped, but I would find a way to make payments on that! I awaited a letter confirming this agreement, but guess what?

I never got one! The next communication I noted received was a letter, stating it would be turned over for collection (which I figured was due by now). I replied to the letter, requesting again interest be waived and my offer to work with them, yet the irony. I used the address within the letter, yet that letter was returned to me 5/2/03, as non-deliverable, invalid address! The next communication I received on Discover's behalf was from some attorney group, stating it was turned over to collection. According to my credit report, Discover wrote me off as a bad debt 8/2006, balance of $9,388. Interesting as the amounts kept changing.

At any rate, once again unemployed and just trying to keep my son fed and housed, I tossed it in a drawer and said what the heck! My next communication was a notice that judgment had been awarded on behalf of this attorney group for Discover, in amount over $11,000. I was amazed, confused, and totally frustrated. What happened to the $5,500 "agreement" previously offered yet never confirmed by Discover?

I let that go as the due of my credit was already shot, being unemployed 3 times in 4 years was a massive strain and frankly, could do nothing about it. I think again this is the end, but no, not enough for Discover. They want you on the streets and I say this as September, 2010, my meager wages (I work for a pizza place, for heaven's sake!) are now garnished to the tune of an average of $25 a week.

On 10/5/10, I called Discover and spoke with Antoney (ID # **). I told him what had happened. I also informed him that I have a doctor’s letter, stating very clearly that I am on medications that will not allow me to make any financial or other decisions at this time. I told him that this matter needed to be resolved. I handed the call over to Melissa **, who is handling my affairs at this time.

She reiterated the situation and said that since Discover did not want to resolve this matter amicably, then we would take it to the BBB and Consumer Affairs. Antoney transferred us to Kelly, who transferred us to Christy **, who said I needed to speak with Ginger in the Wire Dept. Ginger is apparently the only employee in this dept. I left a message for a return call. Ginger returned my call on 10/7/10 and said she was a bank lawyer to Melissa **. Ginger informed us that we would need to pursue this with my bank and was unwilling to resolve this matter.

Melissa ** then had to take over the call due to my becoming physically and emotionally sick. Melissa made it clear that this matter would be turned over to the BBB and Consumer Affairs. She also stated to Antoney and Ginger that if my physical and emotional conditions worsened due to their incompetence, then there would be additional problems added to this problem. Melissa ** did in fact have to contact my physician Dr. John ** in order to receive direction and medication to stabilize me.

Discover has taken advantage and stolen from a very sick, elderly, disabled, and heavily medicated woman. I believe Melissa and I have been very patient and have given them more than ample time to clear this matter up. So, I went to my bank and they began their process of recovery. Today, 10/20/10, after being transferred from one person to another, I finally spoke with Katrina in the Ohio call center to obtain the phone number they give to people that are having trouble with paying their bill. This is when Katrina informed me that the company would do nothing to help me. She also stated major discrepancies to my account, as follows:

My statement (in black and white) for 8/24 to 9/23 shows a credit limit of $10,500 with an available credit of $1,495. She said I was over my credit limit which is not true. They have changed my limit so they can place additional charges to my balance. She said I had a returned check on my account. But in truth it was their way of burying their theft. She said my pay off is $9,690.00. My statement shows $9,840.50. This was before they stole the $572.00. In fact, they are now threatening to raise my interest rate from 14.74% to 21.74%.

Discover has no intentions of resolving this matter in a fair and just way. So I, along with Melissa **, will pursue this matter to the optimum level possible. In fact, I believe they are harassing and trying to coerce me into obligating myself to them. Just today, I have been called 7 times between 8:37 am through 12:23 pm. That’s ridiculous. Note: Melissa ** is assisting and handling my personal matters at this time, including the filing of this complaint. The BBB of Chicago, IL has this complaint of file as well.

Discover card minimizes the posting of interest to only your bill, and fees are written out but not clearly expressed as charges for cash advances from Discover. I thought they were initially the ATM fees until I looked real close. My normal bank lists the cash advance charge from the ATM on a separate line so I thought Discover was only doing the same. No, when I looked close the ATM fee is included in the amount and the fee is listed separately that Discover charges you.

I had taken out money once or twice in the last six months but recently used it four times in one month and I finally noticed the 3% filing fee piling up charges. My head is about to explode. My Military Credit Union does not charge these fees so I transferred my balance and told Discover to jam it. The interest on the transfer is even a sweet 5.9% intro rate.

Credit unions especially military ones are great and I recommend avoiding Discover and banks at all costs. I made a payment on a Mercedes for some scum bag executive at Discover Card.

Discover has been taking over $2,600 a year from this 86 year old lady who is in poor health without reducing her account by a penny. Needless to say I am furious! I called their hotline immediately seeking to reach a settlement figure regarding this travesty, and after being passed through a number of agents was given to understand that Discovers policy was not to negotiate settlement issues. Pay the full amount or continue the 29% fees, company policy, no matter the circumstance. I immediately started my research into which this company and their managing CEO is that establishes and imposes such outright theft on the unsuspecting public. I learned that their CEO in one David ** who is the MBA excrement of the Harvard Business school professors which for the last 30 plus years have been subjecting the American public with an outpouring of people who are a greater threat to the nation than Al Qaeda.

To fully understand this all one has to do is look at the crimes of the Wall Street gang all largely Harvard MBA's. Needless to say this account will be liquidated immediately without hesitation, and I will campaign in every way possible to shine light on this kind of outright theft. I read with great interest the similar experiences of all those that have been bullied by this company and would ask that you also join in such a campaign. The contact information for these gangsters is as follows

I hope to see my money. I have to wonder if Discover does not hold on to folk's money to make a bit of interest. There should be a law that a company must return your money in a week or pay interest if you do not owe them money. Better yet a $39 late fee, they may understand that better. I got a late fee from Sam's Discover and I had to use additional funds to pay Sam's Discover while I am still waiting for my money. After three weeks, I have not received my on-line $1,000 back to my back bank account from Discover Financial Services.

Then, I emailed Lorrie at payment research that I requested my $1,000 be returned to my account. I hope to see my money. I have to wonder if Discover does not hold on to folk's money to make a bit of interest. There should be a law that a company must return your money in a week or pay interest if you do not owe them money--better yet, a $39 late fee. They may understand that better.

Furthermore, Discover claims that they submitted the check & that the bank "told" them that my account is frozen. As stated above, the bank did not release any information about my account to Discover that would violate the customer privacy act. There are no records showing that Discover tried or attempted to cash or post the amount of $150, I mailed out to them. I have been paying on this account for over 1 year using the same bank account without any issues or problems at all. My belief is that since I haven't been charging anything on the Discover card & was just paying off the balance transfer at 0% until balance paid, Discover used this "trick" to cancel my balance transfer rate & apply a much higher rate to satisfy their "hunger". Bad business practice! Don't apply for discover--it's a scam in the long run.

Now don’t get me wrong, I made this debt, but they keep adding interest to line their pockets. I cannot pay if I have nothing to pay. Discover has already threatened taking me to court. I really want to know what they can take if I have nothing for them to take! I have become severely depressed and have the doctor’s records and medication to prove it. What do they expect me to do?

So the last representative gave me a great number. I said I would call back in 2 weeks (when the funds would be available) and make the payment. They agreed. A week later I receive a call from a persistent operator from Discover who says that she needs a checking account number to hold the deduction amount. I declined because I wasn’t ready with the new information at that point, but she continued to try and get any checking account number out of me to simply hold this amount of deduction. I declined and stated that I had already had an agreement to call back in a week and make the payment, but she kept on asking.

I then am told that the best that they can do is have me call my bank and try to stop the payment. I say to them, “You made this mistake; now I have to go and make all the phone calls?” They offered a manager to review the case and give me a call that afternoon and no one returned my call. I even called back in the evening, spoke with an entry level representative who stated I would get a call from a manager that night and I still didn’t. Is there anyone I can call to report these scam/fraud artists? There has been no resolution about this situation. No one has even called me back! I would love to put a lawsuit on them if any lawyer is reading this!

We looked on our past statements. They showed that every other month did not have Payment Protection listed as a purchase. Then we read this: "We may change the Payment Protection terms and fees at any time. However, if we make a change that is unfavorable to you or involves an additional charge, we will give you advance written notice and a reasonable opportunity to cancel without penalty. " Well, no notice at all. Perhaps they were taking out the payments, but listed them as interest charges instead of purchases. Then, every other month they were listed as purchases again. That is the only logical reason why the statements show that we had it, we didn't have it, we had it, we didn't, etc. At least we did get some "protection" during our two plus years of unemployment, about 6 months of 0 payments. Now, we have to start making monthly payments again. I hope that since they "caught their mistake," about the "time line" that we are not subjected to giant fees or worse!

My mother was stunned that the Discover Card CS person would ask that. Yet, Discover Card has a high customer service rating. Is Discover going out of business without this $1,500? Still, no bill comes, just another phone call. She made a $400 payment over the phone. A couple of weeks later, she gets a bill from DCM Services, the Discover collection agency. There's no notice that it may go to a collection agency or any way to hold back on doing that. A nice company that hassles an 82-year-old widow. I will make ** sure people know how "great" their customer service really is. Discover **.

I did receive a package in the mail about the same plan. I did not respond, opting to shred it and throw it away. I never gave written or verbal consent for anything.For the month of July 2010, I received my Discover statement, and guess what? On the bottom is a $35 charge for the Payment Protection Program, which I never signed up for. I called them, and after a brief explanation, the rep supposedly removed that plan from my account. When I asked about a refund of the $35, she told me that it's not possible, and went on to explain that I had to give verbal or written consent for them to even put that on my account.

When I explained that I never gave consent, she basically blew me off. Consumers beware!

They were very nasty about it. I did not make the payment, bought my groceries, and the following month continued to make the minimum payment. which accumulated each month with over due amounts, etc. I paid the payments each month until I was turned over to a lawyer. Then I stopped paying. Since then I have gotten garnished over $400 a month on my pay due to me not making that single payment.

At this point, I am hoping that I can survive the next six months until it is paid off. People I know tell me that I should get a Discover card, that it would make a world of difference. Yeah, it sure did, to my own detriment. My consequence was that now I can't afford to eat, let alone have a life. My job didn't take enough taxes out last year. I thought I was broke then now I am having almost the correct amount taken out. I can't afford to have the 0 deduction as I have nothing left to live on. I had bought a car prior to the garnishment, had I known that I would get slammed, I would never have bought it. Between the car, the garnishment and the insurance to keep the car, I'm out $1000 a month. My own fault for not trying harder to come up with a solution with Discover.

When I called on the 19th, I was then told to call on the 21st as they couldn't enroll me then but would be able to offer me something similar on the 21st. I expressed that my payment would be late and they said “Don't worry you will not be past due for 30 days. Call back on the 21st to see what type of hardship program we will have for you.” On the 21st, I was told that because my payment is now late Discover could not offer me anything unless I bring my balance current. Bunch of lies! I have completed lost faith in Discover as they only added more hardship to my situation. That's what I get for being in great standing with Discover for 10 years, the worst card I have. Unprofessional, liars!

The solicitation contract was in very small print. Small enough that I needed to enlarge it to read it. In the body of the contract, it did state that this amount was based upon the respondents’ credit. I never considered this to be a problem since my credit was very good. Three of my other creditors had recently increased my credit limit without my request. Two of these had increased my credit 2X in recent months. My debt ratio had been decreasing every month for several months.

I filled out the solicitation offer, clearly listing the account numbers of both credit cards which I wished to pay off and the exact amounts of each. This qualified for an initial offer and initial acceptance. After nearly 3 weeks, I had received no response from Discover so I called them. In 2 very lengthy phone calls I spoke with 5 Discover personnel, two of which were customer service supervisors and one credit supervisor. I assumed that these calls were being recorded. Conveniently for Discover, I would find they were not recorded, at least that is what Discover tells me. I do not believe them but cannot prove nor force them to surrender them to me.

If the tapes supported Discover’s claims, I am sure that they would be able to produce them. I was told that the entire amount that I had requested could not be transferred. I was told that the maximum amount they would transfer would be $9,000.00. I immediately told them to cancel the entire issue and was told they could not. They really meant they would not. When I asked why I was never given a real answer, two supervisors told me that it had been sent to the Federal Reserve Bank. Neither could tell me what that meant. One supervisor told me that the transaction have gone to far. This individual could not tell me just what that meant. The change in the amount I had requested qualified as a counter offer which I clearly declined. So there was no valid contract.

When I asked why the entire amount had not been transferred, I was told that it was due to my credit. This was not the real reason. My credit was very good at that time. There was not one negative item on it and there had not been for 10+ years. One Discover representative told me that the reason for the $9,000.00 amount was due to it being the policy of Discover Card to grant only a maximum of $9,000.00 to ‘new cardholders.’ Discover knew very well that I was to be a ‘new cardholder’ when they sent me the solicitation whose main selling point was the large bold letters stating that I was approved ‘for $25,000’.

Had there been a disclaimer regarding the $9,000.00 limit, I would have never responded. There was absolutely no mention of this limit in the actual contract, it appears to have been just one of Discover's unwritten policies! Discover received my response to their solicitation on August 3 but as of August 14, when I called them, none could tell me why it took so long to process.

Eventually, the $9,000.00 less the 3% transfer fee of $279.00 was transferred to the credit cards I had listed. Both banks were willing to transfer the funds back to Discover if I would authorize it. I contacted Discover numerous times via phone and letter advising them that I would have these funds returned if Discover would pay any return transfer fees and rescind the 3% fee they had already charged me. Discover would never do this. After 30 days, neither band would transfer the funds back. Discover petitioned the court for summary judgment for the return of these funds. Currently, I have a ‘jury trial’ scheduled which I requested. The outcome is to be determined at that time. Beware of any Discover balance transfer offers. If anyone else has been burnt by such offers please post your problem. The more of such experiences that I can cite, the worse it will look for Discover at the trial.

If anyone is foolish enough to enter into any form of agreement with Discover be very very sure that you record the call. Depending upon the laws of the state you live in, it may or not be legal to record the transaction without their permission. If you advise them that the call may be recorded it will be legal and admissible in court. This is exactly what they are doing when you hear the recording that your conversation may be recorded. I would also ask them if the call is being recorded. If not, I would request that it be. They may or may not grant this request but at least you can truthfully state that they had stated that it was being recorded or that they refused to do so. Either may help you if litigation should occur.

Finally, I spoke with several consumer advocates when I was searching for active ‘Class Action’ suits against Discover. Nearly every one told me that they could not understand why there was not more legal action taken against them. Discover certainly counts on this. My credit suffered dramatically. My credit score dropped from the mid 800's to a low (Experian) of 645. Once this item appeared, nearly every credit organization jumped on the bandwagon to take advantage of what they could prior to the new credit laws taking effect. Without the Discover issue, none of these firms would have had any excuse to do as they did. I have been turned down by 2 credit unions for an ATV loan.

One Credit Union did approve the loan but at a much higher interest rate 15.5% vs. 5.5%. Another suggested that I use my line of credit to purchase the ATV. The interest rate for the line of credit was 14%. I declined both offers. I have been turned down for 1 new credit card. I have been quoted a ridiculous interest rate by an auto dealer on a new vehicle. If I do not win my court case, this will remain on my credit a total of 7 years. Any item I purchase within this time frame will be at a much higher interest rate. At this time, I cannot put an actual dollar amount on the damages. These damages will increase over time.

On June 30th, the automatic payment still took place. On July 1st, my account was paid in full and the balance was zero. Discover confirmed that my account had a balance of zero and was permanently closed. On July 2nd 2010, I saw that the automatic payment was listed as one of activities of my online Discover account. To avoid any future debits, I also called Discover to cancel future automatic payments starting from July 3rd which was the beginning of the next billing cycle.

On July 5th, I checked my statement and saw a new balance of $171. Discover insisted that the amount of $171 was the total finance charges from June 3rd through July 2nd at the interest of 22.99%. On that statement, Discover modified the automatic payment item to show as a regular payment. Discover collected my automatic payment with the $47 payment on interest for the billing cycle from June 3rd through July 2nd but documented it later as a regular payment so that it could bill me the finance charge of $171 of interest accrued at 22.99% for the same billing cycle. Discover never bothered to mention anything about the interest payment of $47 it collected through the automatic payment for that month.

The bottom line is that Discover really does not care about the law. It just modifies statements, terms and conditions or anything at anytime that it sees fit to incur unfounded interest payment demands and steal from Americans.

Can someone please put an end to this illegal conduct of Discover? I do not owe this $171 finance charge because I already paid interest for the month. Discover cannot double charge the finance charges on the same billing cycle. I'd like to see that Discover removes this $171 and return my account to a zero balance.

Recently, the full balance was paid off in full. It issued an official statement to show that the account was at zero and was permanently closed. If anything, I should receive a partial refund from the interest paid. In contrast, Discover slammed me another $171.xx of interest on a zero balance account on the next statement.

I would like to see that Discover refund the $4000+. It did not deserve to collect and that it should wipe off the $171.xx on the finance charges accumulated from my zero balance account.

The way Discover has manipulated the situations to rob consumers is uncivilized and un-americanized. It's illegal practice and should be stopped.

I felt I had no other option so I accepted the 15.9% interest rate and continued to pay more than the required minimum amount. However, another year has passed and now my new rate was raised to 29.9%. My payments continued to be auto pay so no late fees and I continued to pay more than the minimum amount. I Called Discover Card today and was told that the new rate would remain in effect for 12 months but I could call monthly to see if any new programs became available. So $156.44 of $211 monthly payment goes to finance charges. The report from the Discover Card minimum payment warning states that it will take 50 years to pay off this debt. I will not be alive in 50 years. This is extortion. Our federal government has to pursue such wrong doing. I have owned up to the fact that this debt is my responsibility and am willing to pay it in full but not to the extent that for a $6,000 debt, I must pay 50 years and have an end cost of $44,448. This is a sin. This is evil.

Now they found us again and now we will get fired again, even though we told them, our boss told them not to call our work, they do, daily 4 times a day. We are tired, my brother is getting away with this crap and laughing in our faces while discover won't even listen, won't go after him won't check the records to see it was his address they sent the card and bill to, his bank account that paid them. I so wish I could afford a lawyer, I would sue discover! !we are in our late 50's jobs are hard to come by and yet they hound us into a firing.

We have lost two jobs, our credit is ruined, discover wont listen to us, we have lost weight, cant sleep, and no one, not one person cares, it has been months and we still have not heard about the fraud we filed against my brother. The detectives don't call us back.

I have taken personal loans from family to pay credit card debt. I am currently facing the possibility of New York state furlough. I no longer utilize credit cards, and like most people, I am living paycheck to paycheck.

This past week, they have called in excess of 5x daily Sun-Sat and will not stop calling. I can't sleep anymore without turning off our phone. With a dependent traveling the US on college break, this is very unwise. I have already lost several days of work as I was unable to sleep with them calling multiple times per hour once they knew someone was home. This is blatant telephone harassment, and I am not even the person they want to talk to.

So when I called, they had so many reasons why they could not lower my rate. So I continued to pay and pay for three more years. I basically stopped using the card altogether, and my balance barely changed. Then the recession started to affect me because of slow sales, as I am a merchant selling rubber stamps to the public.

I had to stop paying Discover card completely, because now, I am about to lose my home of the past 16 years because I cannot even afford my mortgages. That in itself is another horror story. Anyway, Discover card took to calling me at my home and place of business 5, 6, and sometimes, 7 days a week. I would explain my hardship to them, and they said they understood and that they would call two days later or sometimes in the same day. This went on for about 6 months, then they would call and leave a message of loud static that would go on for quite a while. They called from 8 am till 9 pm almost everyday. They even called on President Barack Obama's inauguration day.

Now Discover has filed a judgement against me. So Monday, the 3rd of May at 2:30 pm, I have to go to court to explain how broke I really am, as Discover card refuses to believe that people run out of money. On top of all this, they increased the interest to 28.99 %, add all this together, and you can see the pile of poo. Discover card now wants to keep polishing a **. I do not know how things will turn out for me, but I will never use a credit card again. It's cash or nothing at all. These people at Discover break every rule in decency. Greedy guts, all of them!

They informed me today that they only record these calls randomly and they were having trouble locating my call and this is why I was not contacted in the period they promised. They were kind enough to waive the transfer fees (please note the sarcasm), but will not reverse their error both in opening the account and the transfer, and have made it my responsibility to collect the transfer and return it to them. What if anything is my recourse?

Now, I only have to pay them the balance of $4300 in full instead of $4500. Not only do they not work with people who are in financial trouble, they make it impossible for you to pay the bill. You would think that if someone was on a reduced plan to start with that, they would realize jacking up the interest would only make it that much harder. Discover Card is only interested in money in their pocket and has no concern for people struggling in these difficult economic times.

Well, maybe it would not be considered late but why can't I pick the date that it is taken out of my checking account for some reason "they are not allowed to do that, with the ‘minimum payment’ option. Well, I can tell you why. It is because in this way, they can charge you more interest that is 4 more days of interest they get to charge you and to a big company like Discover, that is a lot of money. Be aware people. Credit card companies will find new ways to charge you more interest and this is one way.

Instead, Discover quietly changed my due date to the 26th, and never bothered to let me know that it could not accommodate my request or what it did. In May, Discover posted my payment on the 27th, and placed my account in default at an interest rate of 29.99%, with a late fee. Again, Discover failed to inform me that my account was in default via any type of communication media: email, snail mail, or telephone. But what it had never failed to do was to silently collect my interest payment at 29.99% for several months.

When I continued to request it to change the due date to the 28th, Discover ignored my email requests for several months. Discover online representatives made all kinds of excuses, until September, when they finally changed my due date to the 28th of the month. Discover also ignored my inquiries about the 29.99% interest rates, which it had silently collected from my payments. When I called Discover, their representatives acted ignorant and transferred my call from one department to another, until I got disconnected.

I sent letters to the Discover customer service department, but the letters were not responded to. I got frustrated and sent emails to the Discover Media contact. Only then, a Discover corporate representative responded, but fished up all kinds of excuses of how Discover never got the email requests from me, etc. It's corporate representatives never bothered to address why Discover did not make any attempt to communicate with me, to inform any change on my account such as interest rate change or the account being in default.

Discover only cared to establish its manipulated means, to shift the fault onto me, to unjustifiably collect the interest payments at 29.99%. On top of all that, early 2010, its representatives lied in writing stating that a payment was not received for a particular month, when Discover collected two payments from me for that month.

This is how Discover manipulates various means to rob consumers! Please stay away from it because it will never change. The sad thing the law is not doing anything to protect the consumers while Discover is manipulatively getting ugly on fees and interest payments. Discover has refused to make any attempt to provide payment assistance and continued to charge me a 22.99%, their prime+current market rate, after the promotional period. I can not continue to pay this skyrocketing interest payments; I don't even spend that much on food per month.

As a result of exceeding the credit limit, my account has been charged over-the-limit fees and extra interest, making it harder for me to pay the bill. Ms. ** stated that the over-the-limit fees would stop after February 2010, but that's only because of the new law that went into effect at that time. The previous fees have not been removed. I believe the company should refund those over-the-limit fees, the added interest, and restore my credit rating. I am unemployed and going through a divorce; how am I supposed to pay this overage that I didn't cause?

Allow me to elaborate. Back in Sept. 2009, my vehicle was broken into. I lost close to $3000 in personal belongings as well as my personal banking information. I called the police and opened an investigation as well as received a police report. A couple of days later, I closed my bank account and opened a new one. I had my Discover card account set up to debit money monthly out of my account. After closing my bank account, I started to pay Discover card through my new account manually because I knew they could no longer be paid through my old one. For about 4-5 months I paid Discover card $50 a month until I got my life back together. I was never late on payments during this time.

Around mid to late December, I realized my account balance was going up ,not down. I knew something was wrong because I was paying almost $20 over the minimum payment. What I found out was that Discover Card was accepting my $50 payment and then charging me a $39 returned Check fee because they were attempting to debit my closed bank account. I called to explain to them what was happening and they handed me off to several different people who were all unwilling and seemed in no way interested in helping me.

I explained that this was a ** and that my records show that I have been paying monthly and that they were still trying to debit an account that was closed. I simply asked that they refund the money from the Return Check charges. They said for me to pay $90 and to call back once I did. So on the 8th of January, I paid as requested and about a week later, I called back. I explained that I had done what I was asked; now I would like to get my money refunded. They quickly started to hand me off to different account managers that all said they could not help me.

During all this, they made it very clear that they did not believe my story. I was pretty much called a liar. I have a police report and I can get any information they require from the bank but they were not interested. They took my monthly payment then proceeded to charge me a $39 fee for returned check because they could. In no way did they attempt to call or inform me of any problem. I was treated very disrespectfully! I was called a liar, and after 2 hours of phone calls and a letter to Discover card, they refused to help. They have absolutely zero integrity as a financial institution and they treat their clients/patrons like dogs.

I was given the address to their complaint department because they don't want to take phone calls from angry patrons to whom they rip off. In my letter, I again explained to them that all I want are my fees refunded to my account. They sent me a letter back saying that they received my letter and that they are missing information, they wanted me to call back so they can get the required information to complete their investigation. However, upon calling they informed me that the only reason they wanted me to call is so that they could tell me that they will not be assisting me with my problem. So again, they misled me to believe they were willing to help and again they showed their true colors. The only thing that will resolve this issue is a refund of all fees taken from my account from Sept, 2009 Feb. 2010.

She then told me that I had accumulated late fees and I told her how can that be when I did not receive a statement. I then asked to speak to a manager or supervisor and that I would probably be cancelling my card. She then told me that I would also have to pay penalty fees. 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 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 where even the postmen and women know everyone and would correct an incorrect address. According to the gentleman, I am responsible for their postal errors and that I will have to pay all penalty fees as well as late fees!

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 payoff balance because I don't want to deal with a company like this. I received the payoff balance from one of the representatives and paid it off via the phone. I also closed my account while on the phone. One month later, I got 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. 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. 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. 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.

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. I was told the only way they could help me was by missing several payments. Why would you advise a customer to miss payments! I am at a loss 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.

Today Dec. 15, 2009, I called and spoke to Brad **, a supervisor in Payment Protection. I told him of the two previous calls requesting the cancellation. He stated, there was no 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" did not make calls either.

I then asked Brad to send me in writing, either and email or postal mail, the cancellation 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 canceling this service was back in 2007. I started using the card again Summer 2009 and the charges started reappearing.

Total charges are $247.15 as follows:

6) 7/2/2009 - $ 5.70

Overcharges in the amount of $247.15.

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 anymore at this time so I don't think there are any additional charges. My mom's name is Loretta ** and she is 79 years old. She 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.

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. I called Discover Card back telling them what I did. Today, I received my bill and there are two fees for $35.00 each for each stop payment from Discover Card. I called them up and asked that they remove them since I did what they told me to do. I spoke to a Jimmy who spoke to his supervisor or "team leader" and went back and forth. Then, I spoke to the 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 past due and 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 BJ says 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 ** and I would try and speak to someone else and hung up. Now they have in their records that I swore, I owe the past due and I hung up. What a horrible company. All these years we had credit with them and were never late. Then, we are going through a hard time so we make special arrangements, do everything they say and this is how we are treated.

Then, I said that I wanted to speak with someone above her and she refused and said there was no one else higher 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 who 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 that 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 who I asked who I would contact about a complaint. She explained the manager 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. She said that they had helped me out enough and that they have done all they could. I said I am trying to contact someone about her 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 and then she said I could call and harass someone else on Monday. I said I am not harassing anyone. I am simply asking her for a number. I said she’s 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 cannot believe how their employees 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 to. After researching the internet about Discover, I found an ungodly amount of complaints towards the company. I would suggest whoever is running this corporation should do an evaluation on their employees and revise their handbook on customer service.

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 to my horror, upon checking to be sure no more unexpected charges were being launched, I had a balance showing on my account. This was after I called them and paid off and closed the account! It 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 plus dollars in the account because it hadn't reached the $50 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!

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. I believe that this is a case of trickery (unethical practices) as well as fraudulent practices. I would suspect that all Discover employees top down have to take compliance training, pass and suffer consequences for not being in compliance? This is clearly an internal compliance violation and an external compliance violation.

The purpose of getting a lower interest rate is to pay down a debt so that another debt can be paid down. On and on the economic effects are getting me and others closer to bankruptcy and hurting our economy. In an effort to avoid bankruptcy, make good on your debt, working your creditors should be honest. It still seems inconceivable that when speaking with Discover card services, that they could ever lie to me. Had they told me that they could not do a thing, I would have accepted that.

After about a month, I called them and they said 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 four hours of my time and told this story to at least half a dozen operators in four 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 are at least two pages of websites that pertain to this issue. I can't see how Discover Card could not know about this problem!

Discover Card claims that they adequately notified all of its cardholders; however, when I talked to the help desk, the Discover Card rep stated that 75% of the call-ins she was receiving was to complain about this deceptive practice. The Discover Card rep used the term inundated to describe the number of calls Discover Card was getting. In addition to the late payment, Discover Card has redefined the number of billing cycles in one year from 12 to 14.6, which amounts to 2.6 more opportunities a year to penalize people for not paying on time. Basically, they are taking advantage of people.

Please investigate Discover Card on these criminal practices, and let them know they can't take advantage of the people like they have without consequences. If a class action issue is made of this matter, I would like to participate. I would like for Discover Card to be forced back to monthly billing cycles. Thank you.

The sad thing is money is not the issue! I am running 3 businesses and just dropped the ball on getting it in on time due to the hecticness of the previous 2 months. I refuse to do business with companies who take such advantage of their customers. If money was an issue and I was struggling to pay my bills, this type of behavior certainly wouldn't help me to keep my head above water, or encourage me to pay you especially when my minimum payment just went up $50! That is grocery money to some people right now! You should be ashamed of yourself! Discover will never be in my wallet again! Obviously, it makes my ability to pay off this debit a much slower process. Of course, I will be seeking another company to roll over this balance. There is no way I am paying 26% interest especially when 5 days behind the due date once is certainly no cause for such drastic measures!

As for why the date was changed, the representative could not give me any explanation for that either. To add insult to injury, I was charged a late fee. In light of the amount of interest they collect every month, their late fees seem a little excessive. The representative removed last month's late charge but I will probably be charged on for this month and will most likely have to pay it. They also agreed to change the due date and adjust the interest rate, effective next month; however I am livid over the rate. It could not be changed back to what it was (& that was already a penalty rate for a payment that was one day late in a prior year).

It is outrageous to me that they can and will do this to consumers. I think a lot of responsibility for the current economic crisis falls on their shoulders and they continue to add to it.

So I went to the Discover website, and lo and behold, my due date had been moved up a week. I called customer service and asked what was going on and was told I had been notified back in February that my due date would be changing in May and I would be charged a $19 late fee. As underhanded as that is in itself, I asked why I hadn't received my regularly scheduled e-mail reminder and was given no explanation. I've never been late with a payment and argued that Discover created this situation and that I shouldn't have to pay a late fee. They did credit my account the late fee.

Fast forward to June's payment. Again, no email due date reminder, though I have received other e-mail from Discover. I was onto them this time though and checked early. I also happened to check my APR, and it jumped from 7.99% to 24.99%. I got on the phone again and was told it was due to "my" late payment. In hind sight, I feel sorry for the poor customer rep, who received my litany of profanity because I totally lost it. When I pointed out I was only late because of a situation Discover themselves had created, she agreed to lower my rate to 12.99%. I said that was not acceptable, and she said that's what everyone's rate was going to due to market conditions. Ugh!

I called on July 13, 2009 and the "account manager" informed me that the request for correction was sent to the wrong department. She emailed the correct department while I was on the phone. I requested the return of interest to be added to the changes. Her comment: "What makes you think we wouldn't do it?" My response: “Because I can't count on Discover fixing since it was not handle correctly the first time.” Her pleasant demeanor vanished. I wonder how many people Discover Card has done this to. If you’re not vigilant in reading your bill, perhaps this type of tactic would go undiscovered for months. I'm thinking that perhaps this is some type of internal scam. I'll wait to see what happens on the August bill.

Firstly, I am positively that the APR offered in January was 11%. I am truly amazed that a Discover representative would lie about my APR in order to get me to use my card! When I complained to customer service, they were unwilling to even investigate the situation. Secondly, I don't understand the justification in increasing my APR when I paid on time for years. Customer service said that the APR increase was not a reflection of my payment history or credit rating - they merely increased everyone's rates due to a "company policy."

I closed the Credit Tracker program, closed my Discover account, and made a formal complaint with the FTC. The consequences are; fraudulent interest accrued and illegal increase of APR.

I was laid off from my job on 9/08 while I was on FMLA and being treated for a herniated disk. I suffer with severe daily pain in my neck from fibromyalgia and from non-restorative sleep. I have been living off of $300.00/week unemployment and don't know if I can work again and may have to file for disability. The stress from dealing with Discover sent me to bed for two days with pain and increased my blood pressure and heart rate. Any advice would be appreciated.