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Discover's always been sort of the third card out, trailing Visa, MasterCard and Amex by a wide margin. But that doesn't mean it lacks the ability to annoy, offend and aggravate its customers.
Gregory of Bensalem PA (06/26/08)
I have been receiving harassing calls at my residence as early as 0800 and as late as 2200 hours for a [man] who I guess has not paid his bill. The caller(s) will not provide a name for themselves or business and say it's a personal matter. Both my wife and I advised them Jerome does not live at my house and requested they stop calling me and call the right person. The calls are still continuing and the callers are gerring more arrogant when they call. Can you put a stop to this?
They are waking me and my family who work over night causing us to lose sleep and it is annoying to continuasly receive these calls when they have nothing to do with me or my family.
Nikki of Memphis TN (06/17/08)
I was an evacuee from New Orleans after Katrina and trying to make a home for my children in TN. Different organizations helped with furniture and second hand clothing but I wanted to give my children just a little more. I applied for a discover card and I was approved for a $500.00 line of credit. I worked at the time and I felt capable of paying the bills. With preexisting medical problems, the suspension of my SSI benefits and loss of employment; my preexisting mental health issues worsened.
Constant phone harassment from Discover Card caused me to sink further into depression than I ever had before and when I explained my circumstances, cancelled my card and assured them that I would make a payment as soon as I could I was basically laughed at. One operator came belligerent and assured me legal action would be taken. Early this morning I awoke to a loud banging on my door which frightened me and my children. When I cautiously opened the door I was issued a summons by an officer. I am now being sued by Discover card for more then $3000.00. The officer frightened my youngest child to tears and with no way to pay the amount owed including court costs and miscellaneous I felt completely broken.
I took all of my prescription anti psychotic medication and waited for death. Im not sure if Ive found it yet.
Tricia of Owasso OK (05/17/08)
I had a Discover Card with an approximate balance of $3,000. Do to some unforeseen circumstances (medical) I fell behind in my payments. My account was turned over to attorney's who contacted me several times. At one point, they offered to let me pay 70% of my balance, which I said I would try to do, and agreed to put down a $200.00 good faith payment, which I did. I wanted to have our agreement in writing, so I contacted the attorney and asked for them to put the agreement in writing. They asked if I had a fax machine, which I do not, but I told them that they could mail it to my home. The letter never came.
In the meantime, the person whom I was going to borrow the money from, used the money for something else. When the attorney contacted me again, I let him know that I never received the letter and that I did not have access to the money. I offered to pay him $50.00 a month and it was refused because it sounded as if I did not want to pay this debt. Since then, I have been taken to court and they have received judgement for $3,000. with an interest rate of 21.99 % plus $1,000. in attorney fees. My income includes a pension from state retirement, and I do some custodial work and housekeeping. The pension cannot be garnished (state law), and the other income at 25% of garnishment would be approximately $50.00.
As of yesterday, 5-16-08, the attorneys have frozen my bank account, my daughter's bank account, and my mother's bank account. They have placed a trillion dollar hold on all three accounts. We became aware of this after my daughter's check card didn't work. When she contacted the bank today she was told that three accounts, with my name on them, had a hold on them. Because of this, I am unable to get my daughter's medication, purchase food, etc. At least for this weekend, this has placed a tremendous burden on our family. I had expected that they would try to garnish my wages, but was shocked that they would place a trillion dollar hold on our accounts for a $4,000 debt.
They will probably be able to wipe out my daughter and mother's accounts, which will pay the debt off, but it will leave both of them with nothing. I find the tactics to be quite severe over this amount, and I would encourage anyone looking for a credit card to not use Discover. The attorney told me that they won't mess around with you and they have proven that they will go to any lengths to secure payment. Consumers should be aware.
Jo of Raleigh NC (05/13/08)
I have been a card holder since 1995 they raised my interest rate to 28.99% months ago, and because they would not work with me I closed the account I have paid it down from 10,000. to 4500.00 dollars and now everytime I call to get them to lower the rate they say they can't because the acct is closed. That is just not right..Thanks ..Discover for no help here...
Maureen of Seattle WA (05/08/08)
I took over my ailing parents finances last year and have discovered a few unwanted services they somehow were receiving. I was able to get AP9 HomeWorksPlus to cancel their member charges. Now I have been working since last November 2007 on getting the Accidental Death & Disability quarterly charge of $10.12 thru Affinion cancelled. (It's worthless coverage as they are 80 yrs old.)I mailed a letter with the power of attorney forms as instructed. Got charged the next quarter. Called again and they had no record of receiving.
They sent their form to complete which I sent back. Got charged the next quarter. Called again and they had no record of receiving. I have talked to two supervisors. You can't fax or e-mail anything to them. How convenient. I have asked to have a manager call me. Meanwhile, I have disputed the credit card charge on their Discover bill. I guess I also need to find out how to stop the automatic credit card payment from their checking account.
Economic Damages: HomeWorksPlus $390.00 from 2005 to 2007. Discover Card Financial Services aka Affinion estimate $192.28 since 2004. Physical: I don't have time to deal with this! It is hard enough when both parents have life issues. I need to get this resolved before they pass. Will I get a bunch of nasty grams when I cancel the credit card and checking account?
Belinda of Chesterfield MO (02/24/08)
I have had a Discover Card since 2002 and have always made my payments timely and even made large sum payments. However, in September I had to relocate due to a divorce. I have spoken with Discover card and explained my situation that I went from an income of $70,000.00 per year to one of $22,000.00 per year and am unable to make the scheduled payments. They suggested I set up an automatic draft from my checking account in order to stop their late fees which now have caused an over limit fee.
They call my house 6 times per day and have left a message every day. I have not spoken to them lately because I have nothing else I can tell them. Their calling me 6 times a day will not increase my income and they are aware of my circumstances. I did review the Fair Debt Collection Practices Act and it would appear that 6 phone calls per day can constitute harassment so I am writing them a letter telling them to stop the phone calls and will be filing a complaint with the Federal Trade Commission. Isn't there anything that can be done legally? The last time I talked with a representative from Discover card I asked if I cancelled the credit card and if that would stop the late fees and overlimit fees? She said it would not. I will be requesting they cancel my card in the letter I am sending them today.
I have been under a great deal of stress due to the divorce and move and the constant harassing phone calls have just added to that stress not to mention the ongoing overlimit and late fees added to the account.
Fredi of Indio CA (02/02/08)
After reading pages of complaints regarding the practices of Capital One I just have to respond. I currently hold three Capital One cards. I called them on the telephone requesting a decrease on my interest rate, and they immediately reduced my rate on one card to 7.9% and 9.9% on the other. My third card is new with 0% interest for one year which I plan use to transfer a balance from my Discover Card.
Discover Card refused to reduce my interest rate even though I have been an active card holder for 10 years. Discover Card is advertising 0% teaser rates for new customers for one year. Is that fair to qualified seasoned customers? A Washington Mutual customer service representative said they don't reduce rates simply because a customer makes a phone call; needless to say, I closed that account. I am disappointed that loyalty doesn't count in the corporate world as well as many dollars lost to excessive interest rate fees in today's economy of lower rates.
Pam of Holland OH (02/01/08)
My son exhausted his credit limit of $1,000 in 2004; ran into financial problems, did not pay on time and was late. The late fees caused over limit fees; the account was sent to collections. He tried to make arrangements to pay off the $1,000 plus interest but requested all over limit and late fees be dropped in settlement; collection said no. He stopped paying; it went to court, but my son did not go to court. A judgment was issued favoring the credit card company, and now he owes over $9,000--on a discover credit card with a $1,000 limit?
I suggested he (who has not worked since last summer and only recently secured a job paying $7.50/hr) to contact legal aid and/or the UT Law Clinic. I also suggested bankruptcy, although he has established good credit with two other credit card companies. It just rankles me on how credit card companies increase their bottom-line by kicking people when they are down with over limit fees caused by late fees, which cause over limit fees--and not from merchandise the customer has purchased.
In closing, years ago I wrote one of the congress people in Washington, DC, who chaired the committee to oversee this type of abuse, but I never heard back. This could be a whopper of a lawsuit for a law firm. Given the preceding, is there a law firm that you know that might tackle this problem in a class action capacity?
Ken of Orange, CA (01/25/08)
The other night I received a telemarketing asking for my wife. I explained that she was sleeping and we had just returned from our only son's funeral. I asked if I could take a message. The women on the other end of the line stated she was from Discover card and asked if we would like to be placed on the "no call list". I told her I would appreciate it.
She then said, "that's all you had to say, you didn't have to make up a story" and then abruptly hung up. I can only assume she couldn't wait told find another victim to harass.
I'm in the process of sending a letter to the CEO, as well as a copy of the obituary.
Angela of Rocklin CA (01/22/08)
For three years, I have been trying in vain to reduce my credit card balance with Discover. I made the mistake of speaking to them several times in an effort to reach an agreement to make a specified payment, and in return, they were to stop charging me late charges and overlimit fees. Instead, they did the opposite. They raised my interest rate to 28.99%, charged me late and overlimit fees every month so now I owe way more than the original $15,000 which has climbed to $16,203.09. This is like a sabotage to my formerly good credit, it prevents me from making any credible and reasonable payments, with no effect upon my principal balance. Why should I continue paying, if my card holder will not negotiate nor honor my previous agreement with them? I'm am at a great loss, I am getting considerably closer to a strict default, and have decided I need other options now. Can you help me?
Increased charges and late fees incurring on my existing credit, causing a default and now, the card is revoked. Why? I tried, but the Discover strategically locked me out and made it impossible to pay this card.
Robert of Wilmington NC (12/01/07)
In late October, I received a form letter from Discover Bank attempting to change the terms & conditions of my cardholder account.
No explanation was given and no credit report was checked. They simply were trying to raise my rate from 11.49% for purchases and 19.49% for Cash Advances, to 17.99% and 22.99% respectively.
According to their form letter, Discover must be notified in writing by November 13, 2007, to close the account and keep the current terms and conditions.
A Priority Mail letter was received and signed for by a B.G. at 9:09 AM on 11/09/2007. On 11/15/2007, a form letter was received from David Nelms, Chairman and CEO, DFS Services LLC, stating my account was closed on November 15th! I now have a statement dated November 27, 2007, showing an interest rate of, you guessed it, 17.49%!
Despite having been a Discover cardholder since March 2003, never made a late payment, always paid more than the minimum, and never been over the limit, I will now see a drop in my FICA score due to account closure, since the length of time accounts are open is a determining factor in creditworthiness. This will affect not only my potential for a home equity loan at a decent rate, but home and auto insurance rates as well. I have already contacted my district congressman through your web site, and received no response. I also have lost all faith in the FTC, who recently seems to be more interested in protecting big businesses interests than the individual consumer's.
David of New Britain CT (11/25/07)
While I was a surgery patient convalescing at home between surgeries, I was called excessively by Discover Card. This caused me to experience great psychological and physical harm. They were told to stop calling me. Can I sue them?
When I had a medical emergency surgery and lived, I was so upset about debt that I wished I was dead. Discover Card calling excessively at home caused me great emotional pain and suffering. It also increased my physical suffering because I was on nacartic pain killers and when I moved to answer the phone it would hurt a lot.
Clarence of Citrus Springs FL (11/23/07)
We opened up the WalMart Discover card in August, mostly to benefit from the 3 cents off on a gallon of gas. We pay our bills electronically through Wachovia. I get my bill, schedule the payment before the due date. They got my money on the 9th of Nov. but they told us even though my online acct reflects the bill that they don't actually post it for 30 days.
I have a $4000 credit limit. My current balance is $2300, which means I should have $1700 available credit. Because my last payment and this month's balance add up to almost the credit limit, my credit card is being declined. When I talk to customer service, they tell me they won't actually post the payment they received on the 9th until Dec. 6th, even though they have the money. Rather than go through this every month, we had to cancel the card.
Robert of Ballston Spa NY (11/18/07)
On our latest Discover statement it stated we had a balance of approx $5900. The minimum payment due was $141. Out of the $141, $125 was finance charges. We then noticed that the annual % rate was set at 28.99%. At that rate, if I sent the minimum payment and never charged on my card again I would never pay off that debt. That seems criminal to me. I called Discover immediately, they quickly let me know the 28.99% rate was my fault since I had been late 2-3 times during the past year. I asked if they were violating any state usury laws and the Discover rep stated that they could actually charge us a higher rate. I guess we are lucky to be paying only 28.99%.
This is our fault for not paying attention to companies that will rip you off the 1st chance they get. We will pay off the Discover balance asap and NEVER do business with Discover again.
Jacob of Ventura CA (11/16/07)
Some how some one charged $2872.03 on my discover at home Depot mostly, They got 2 1000 dollar gift cards at home depot which should of sent up red flags and called me since I never make any big purchase like that. I canceled my card when a 1000 bill came in the mail and then some how they where able to buy more things on my card. I filled a police report like they told me to and they turned down my case.Then they started calling me because was not giving them any money since it's all fraud bill.I told them good luck because I'm not paying them anything. It says $0 Fraud liability on my bills but but you can't hold them to that I guess. As soon as I'm done with my case I will never use discover card again.
They stopped calling but are still sending me bills it went from $2872.03 to $3187.29 when they add there finance and interest charges.
Kim of Salt Lake City UT (10/11/07)
I have perfect credit and pay all my bills early, however, I received a notice in the mail the other day stating that Discover Card would be increasing my APR five percentage points. It stated that this was not due to any wrongdoing on my part, or information received from a credit report, but said that if I wanted an explanation I would have to call. I did call and the agent was actually as nice and as helpful as he could be, given the information he had to work with. He told me it was an across the board increase intended to make them more competitive. He even offered to help me cancel. I thought that was really odd since I didn't ask. It was almost as if they were trying to get rid of me. I went to bankrate.com to see what other cards were charging, and saw that discover is offering new cards for 1% above my current APR. Way to treat a great customer. I am leaving the account open simply for the points I get on my credit report from such a long standing account, but I have transferred my full balance to another card.
Deborah of Suisun CA (10/09/07)
They enrolled me in a payment protection plan I didnt ask for and they charge a monthly fee for it. I have to call the insurance company and waste my time to cancel a plan I didn't ask for.
None yet, but I have to call them to stop the fees. I'm sure a lot of peopl pay them without a thought. This business practive is really slimy. I know they work with another company to handle the insurance.
Erin Bloom of Seattle WA (10/02/07)
I received a mailing from Discover card stating that my interest rate would go up by about 5%. I called to inquire why, and the account manager stated it was an across the board rate hike. My account has always been in good standing. I pay my bills on time. I was very happy with Discover Card until now. This rate increase is outrageous.
This rate increase will result in more money spent on interest.
Janet of Hendersonville TN (09/09/07)
I have had an account with Discover card for several years, and have never made a late payment. In June 2007,my finance charges went from 11.24% to 17.99%(a 6.75% increase) for no apparent reason. When I contacted them the girl I spoke with said she didn't see any reason either, my payments were always made early. She said it must have something to do with my credit report, they had sent me notice of this in April 2007,(which I never received). I checked my credit report and there were no late fees for any of my accounts. I have since cancelled the card and will never use it again. I have spoke to several individuals about this who have had the same experience.
Nancy of Altadena CA (08/24/07)
We are having a temporary cash flow problem and I had these Great Discover Card checks in the mail which stated we could take advantage of cash at a $0 fee for 5 months! However, in fine print, it stated there was a $22.99% APR, and 28.99 Default rate and a $0 Cash Advance Transaction Fee for any transactions made from the first day of our billing period period beginning in June until November 30, 2007, then our Cash Advance Transaction Fee will be 3% of each Cash Advance. I used several of these checks, thinking we could pay those amounts off at end of November. I think these checks are very deceptive, as several places it has in big letters NO FEE CASH. Which apparently isn't the truth! We alway pay our Discover Card bill in full each month, and when they called to verify a check, I asked about the no fee cash advance. I was notified that any money we send them, applies to the lower APR fees first! Which means if we have a $2,000 Discover Card fee and used $400 of their so called no fee cash check and sent them in a payment of $2,000, they would apply the amount to the $400 check first and then apply the rest to the balance. Which means we are paying a high APR regardless. I just read that Home Depot was involved in a class action lawsuit for unfair business practices and was penalized for something almost exactly like this. Shouldn't Discover Card be required to notify customers that they apply any payments to the so called no fee cash checks first before applying your payment to the total bill?
Michael of Somers Point NJ (06/09/07)
I pay my DiscoverCard monthly through a debt consolidation service. My account is closed so I can't make any new charges on it. I make more than the minimum payment every month ($75.00) and the entire amount goes through initially but when I get the following month's statement, the finance charge takes up more than half of the payment so every month, I end up only having half the payment go towards the balance. I thought when one enters a debt consolidation program this wasn't supposed to happen. The representatives have been unwilling to negotiate a lower interest rate and I have told them time and again about my timely payments and the excessive finance charges but still nothing is done about it.
It has taken much longer than necessary for me to pay this account off and leaves me little to pay off some of my other accounts and bills.
Lee of Badger, MN (10/03/06)
Three years ago I had some money troubles and wound up past due with Discover Card. Just before Christmas 2004 I received a one time settlement offer of fifty cents on the dollar to settle and close my account. I jumped at the chance to clear the books. My parents sent a certified letter and a check to the attorney assigned to the account.
I heard no more from Discover Card until 9/26/2006 when they placed all of the old 2004 past due accounts into my credit report. That account was settled and marked paid in full almost two years. I went from 677 down to 575 over night.
Michael of Little Rock, AR (09/21/06)
I called to cancel my Discover card. I was basically harassed while I continued to explain that I did not need a reason, that I just wanted it closed. After about 10 minutes, the agent rudely told me that the account was closed.
Two weeks later, I received Discover Card checks with my account number. I called back in, spoke to Alisha and explained that I wanted to know the status of my account. She said it was in good standing.
I told her that I had called to cancel the account and that is when she told me there was no record of that.
I told her to cancel it, and she went into the same spiel as the last agent. After repeating my request 2 more times, she again became rude and told me that I should not cancel the card. I told her that I did not care what she thought, cancel the card. She finally agreed that she would. I bet it is still open.
Eric of Sarasota, FL (07/29/06)
I was offered a 0% credit card, but when the card came, the rate was 0.99%. No big deal, but then almost immediately a new card was sent and on activation the rate was 1.99%. When I complained, the representative said she would change it to 0.99%, but my bill shows part of the balance at 0.99% and some at 1.99%. In addition, they charged me 15.49% for purchases made BEFORE the offer was in effect.
I spent 2 hours of my Saturday trying to clear up this mess. The unctuous account representative spoke to me like a child, explaining very carefully with small words where I had "gone wrong in my understanding". By the way, I am a physician and Phi Beta Kappa, and so I do understand a few polysyllabic words. I told him to cancel my account, and that I would not pay any finance charges or transfer fees.
I transferred my balance to another card (0% interest).
Brad of Plano TX (04/12/06)
Discover Card engages in unconscionable behavior and exploits their cardholders thru predatory lending practices. My interest rate was 12.74% as of the April 19, 2005 statement and is now 27.99% as of my March 19, 2006 statement. My account has seen a monthly “just noticeable difference” interest rate increase of .25% to .75% per month from April 2005 to December 2005. My interest rate jumped almost 10% from 16.49% to 25.99% in the month of December 2005 and is currently at 27.49% as of the March 19, 2006 billing. Since December 2005, Discover keeps increasing my interest rate each month in small steps of .25%-.50%.
I encountered a problem with Chase bank not utilizing my overdraft line of credit and thus my bank account over drafted and the balance went negative as non-sufficient fees compounded on the account. It took me almost 4 weeks to resolve this matter with Chase. Chase eventually took responsibility for their error and reversed almost $1,000 in NSF fees on the account. Because of Chase’s error, my November 2005 Discover Card payment was returned to Discover Card towards the beginning of December as NSF and Discover Card increased my interest rate from 16.74% to 25.99%. Chase Bank provided a letter to me and the letter stated their error. I forward the letter to Discover Card and they will not reduce my interest rate because their justification is “I have been over my credit limit within the last 12 months”.
I would not had been over my credit limit had Chase initially paid the November 2005 payment as they should have done. Discover Card also compounded the damage and caused my account to go over the limit by assessing me late fees, over limit fees and return item fees along with increasing my interest rate.
Kyle of Fremont ,CA (02/27/06)
When I attempted to cancel my Discover card, the support center handed me over to a special account services where they try to retain you as a customer. They offered me a $40 gas rebate. I thought it was a great deal. Later I used the card, and found that I really did not get such a credit to stay on board.
I felt completely misled. I think Discover is using fradulent tatics to keep people on board.
A company which is not honest will be their downfall.
Monica of Houston, TX (01/16/06)
I received a letter from Discover with an enclosed credit card that needed activating. My husband called to tell them we didn't want a Discover Card. He was told because the card was in my name that I needed to cancel it myself.
I spoke to the service rep and she transferred me to "retention" personnel who gave me a spiel on why I needed to keep the card. The rep was adament to the point of belligerence that I needed to activate the card and transfer all my other credit card balances to Discover.
When I refused to activate my card, the rep said he needed to speak to my husband and wouldn't cancel the ard unless he did!
My husband spoke to him and insisted that the acct be closed. The rep said he needed to go through his sales pitch or would not close the acct, so my husband hung up.
Scot of South Berwick, ME (01/03/06)
I received an offer for 0% for life on balance transfers. The requirement was that I make 2 purchases per month after 6 months.
After the 6 months I began to get finance charges. I called to complain the first month and they apologized and refunded the charge. When I got a finance charge the second month, I was told that I must make the minimum payment PLUS pay for any new purchases in full to avoid finance charge.
I did this, and the following month there is still a finance charge. I called and complained again. The person refunded the charge and said that the 0% only applies to the transferred balance and there would continue to be finance charge on new purchases. This offer was totally deceptive. I spoke to Discover reps repeatedly before I made this transfer and was assured that there would be ZERO finance charge as long as I made 2 purchases per month after 6 months.
Dianna of Fernley, NV (12/15/05)
I did not request a payoff of credit cards from Discover. This is a duplicate payoff.
Discover was not given the authority to transfer balances from BofA and Chase after these balances were transfered to another credit card.
This is not the first time this has happened. But it WILL BE THE LAST.
Mary of Redondo Beach, CA (11/15/05)
On 11/14/05 we received a notice requesting a call on "our" Discover card. When I called they said they would only speak to my husband. He is 76 and deaf, but told them we were calling to tell them to close this acct. since we do not have a Discover card.
"James" said he needed my husband's last 4 digits of his social security. Then he passed him to Megan, who insisted she needed all the numbers of his SS to close the acct. Of course, he did not comply.
This sounded very suspect to us.
Norm of San Jose, CA (11/14/05)
In 2004, due to some financial difficulties, it become difficult for us to pay our Discover Card monthly bill of over $400. We called Discover Card Customer Services and made arrangements for a special automatic-deduction payment plan of $216 per month for 12 months under a special low-interest plan that would basically pay interest only until things were better for us. When the plan expired, I called Discover again and they agreed to extend the plan for another 6 months, providing I began making higher payments.
During this entire 18 month period, my account showed a perfect payment history. We made certain that the money was available in our account EVERY SINGLE MONTH. However when we were about to buy a home, our loan company ran a credit report that showed Discover had incorrectly assessed a 30, a 60 and a 90 day late report to the credit bureaus during a 6 month period.
In a completely unsympathetic tone, a supervisor explained that even though we had handled our account appropriately, the Discover Customer Service agent that setup the program extension neglected to maintain the special interest rate that would keep the account from going negative and ultimately late. He would not take responsibility or reverse the credit reporting.
He would only say that I should have reviewed my monthly statements more closely! Our honesty and desire to be financially responsible have been rewarded with rudeness and underhanded billing practices that will at the very least cost us many times the amount of our debt in the form of higher home-loan interest rates.
Patrick of Springfield, OR (11/04/05)
I had a home burglary that involved possible indentity theft. I immediately called all creditors and asked to have fraud alerts put on all my accounts. The only one that had a problem was Discover. They totally closed the account.
After closing the account (balance owed was $1200) it became impossible to make any sort of payment on that closed account. Numerous phone calls were made to their credit dept but the response was always the same "I'm sorry but we show the account as closed". Sure enough they finally found the error after 2 years and then turned the account to collections with interest, attorneys fees, etc.
I paid the balance in full to put this and Discover behind me. Final cost to me, not including time and anguish, was $4350.
Landon of Stockton, CA (10/04/05)
I recieved written notice that my Discover credit card interest rate was being raised by several percentage points. I have never made a late payment on the account, had a $0.00 balance at the time, and did not make any late payments on other accounts under my name.
I contacted the company by telephone to ask about the reason for the rate increase. The company was very rude about my request and refused to reveal why they had raised by rate or return the lower rate.
Saul of Burke, VA (09/22/05)
I stop using my Discover credit card because I was trying to pay it off, plus they were charging high interest rates.
I had a bonus of $20 that they said I could apply to my payment, but as soon as I did that they raised the interest rate from16.99% to 21.49%. When I called them to complain they told me there were some gliches in my credit report and that it didn't matter that I was a loyal customer for years.
Marin of Bowling Green, OH (09/20/05)
I applied for a Discover card and the first card they sent me had my name mispelled. I called the 1-800 # and made them aware of the mistake.
When the second card came my name was mispelled again. So I called and they said they would send another card.
Finally the third card they sent me was correct but the card for my mother (which I had added to the account) was mispelled. I was so frustrated with the whole situation that my mom just ended up keeping her mispelled credit card!
Samir of Clemmons, NC (09/16/05)
I tried to cancel my Discover card last week, and they talked me out of it. Luckily I did get a good deal, however they would not stop with trying to sell me things. I asked her to stop several times, and she would not. She kept telling me she had tell me about the offer.
Angela of Old Forge, PA (07/05/05)
I had a Discover card for almost 10 years, payments were always timely & the account had been paid off & closed.
A few months later I recieved their "wonderful" 0% balance transfer offer with the agreement to make 2 purchases per month to maintain that rate. All was well until I was late on my 2 purchases for the month of October 2004 (I was in the hospital after having a baby) so they raised my rate to around 12%.
I called Discover to tell them that I would only be able to afford minimal monthly payments. They told me "they do not negotiate with anyone" & that they would "absolutely not" provide me with documentation of my attempt to negotiate with them.
For the past 3 months I have been sending in payments on time but under the minimum required and I continue to get charged late fees, over the limit fees & 27% interest! They have also been calling me up to 8 times per day to harass me.
Larry of Alamogordo NM (1/27/04):
DiscoverCard has sent "notice of amendment to discover cardmember agreements." Most of this document is and/or seems appropriate, except for one portion. This particular one seems inappropriate and if the same privilege was extended to the customer in the appropriate direction the chicanery and ludicrous nature of this would be apparent.
The objectionable amendment is "Default-Acceleration_Collection-Costs;" and there seems like there should be a law or regulation against this. It states, "We are adding a new provision to this section stating that you will be deemed to be in default if you fail to make payment when due on any other account you have with us or with another creditor."
This, in fact, is now quite widespread. Stiff one creditor and the rest of them will yank your credit.
Bruce of Robins IA (6/5/03):
Discover card locked my account due to suspected fraud and then refused to unlock the account or even apply payment. I made a $3000 payment via the bill pay service provided by NetBank. One customer service person said the payment could not be applied until funds were verified with the bank. But this transaction was an EFT so the funds were verified. A week after I made the payment, it was finally applied to the account. The account was locked and required me to call repeatedly to get a customer service person willing to help. The account was finally opened for my use but as of yesterday, I found out the account is closed and nobody at Discover will tell me anything other than the letter is in the mail.
I have wasted hours of my life trying to clear up issues with the account all while getting charged 22+ percent on some bizzarre compounding scheme that makes no sense to the average consumer or even most of the above average consumer. Also, I would have taken care of other debts if I knew that Discover was going to do this to me.
Esther of Sedalia MO (4/29/03):
In February 2003, I asked for my $20.00 cashback bonus. On future statements they showed that a check in the amount of same was cut for me. To this date, I have not received it. I called a few weeks ago and was told I had to wait 4-6 weeks since that date. Now over 8 weeks later I have not received my check. Yesterday, I called again and was told it was cut but probably the mail did not get it to me and that I would have to wait until May 24th., on my anniversery date for them to send one out.
The apparent reason now being given by these places who do not want to give you your money is to blame it on the mail system. I just feel like I can't trust any promised rebate on purchases, etc.
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