Complain about a product or service

Discover

Discover • Balance transfers • Cancellation problems • Delinquent accounts

Discover's always been sort of the third card out, trailing Visa, MasterCard and Amex by a wide margin. But that doesn't mean it lacks the ability to annoy, offend and aggravate its customers.

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 February 27, 2006

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 January 16, 2006

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 January 3, 2006

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 December 15, 2005

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 November 15, 2005

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Share		Follow us on Twitter.