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Personally Contact David Nelms, Discover Card CEO, and Let Him Know How You Feel About Discover Card's Predatory Tactics. Contact
Posted by Discoverhater on 04/25/2006
NATIONWIDE -- I am providing contact information for David Nelms, Discover Card CEO, so anyone can contact him directly by phone or written letter and bypass the "defensive line" and BS we all experience with the 1-800 DISCOVER call centers. David is going to dislike being contacted and addressed about issues that "should or can" be resolved on the lower tiered rankings of the company. I strongly advise anyone who has an issue with Discover Card and/or keeps experiencing interest rate re-pricing and/or other unethical tactics and/or practices to go to the top of the organization chart and contact David directly.

We need to speak in “numbers” to the CEO of Discover Card and let him know that we are aware of Discover's practices and we are not going to stand for them anymore. We can also inform David how MBNA, his former employer, suffered negative publicity and massive cardholder attrition because of unethical practices and interest rate price increases that led to MBNA’s demise and eventual acquisition by Bank of America in 2005. Does David want this to happen to Discover Card as people “dump” their Discover Cards because of Discover Card’s unethical and exploitative practices? Ask David if Discover Card wants to make restitution to you for damages and consequences and explain to David what you expect from him. The CEO will usually honor your request because he wants to get you off the phone or get your letter off his desk as he does not have time to deal with customer complaints and should not have to deal with them. His thoughts are “I should not be having a cardholder contact me. That is what support staff is hired to do. Further, I should not have to take action on behalf of the cardholder or be bothered by them. Why was the cardholder not taken care of by the lower ranks?”

You can bet someone down the line at Discover Card, because of your letter or phone call, is going to be reprimanded and/or fired for not taking action on your behalf and because the complaint went all the way to the CEO. Let us do our part and disrupt this predatory and corrupt company so other cardholders will not continue to be victimized by Discover Card. Finally, we need to let the CEO now that we are aware of how the company operates and exploits people and we are going to do our job to inform the public of these practices just like the MBNA cardholders did.

Contact Information:

David Nelms, CEO
Discover Financial Services
2500 Lake Cook Road
Deerfield, IL 60015
Phone Number : 224-405-0900

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Posted by Hugh_Jorgen on 2006-04-26:
I called David. Nice guy. We had a lovely chat. All is well at Discover, profits are up and customer satisfaction is at an all time high. He did mention some problem with some obsessed former cardholders that spend all day and night trolling the internet and posting negative things about Discover, but other than that he said "it's all good!".
Posted by Discoverhater on 2006-04-26:
Do you really think we believe you? Why don't you give us more details of your conversation with David? Did you speak with him today, April 26, 2006, after I posted the contact information and did you speak with him at his office?
Posted by Discoverhater on 2006-05-11:

I see that you have not responded to my question regarding your alleged conversation with David Nelms. Maybe you have not replied because I caught you in a lie and your conversation with David never happened during the time you stated that you allegedly spoke to him. I do not see how you could have spoken with him during the week of April 24, 2006. David was out of the country the week of April 24 and was not available, per his personal assistant Camille. I had attorneys and CBS News trying to reach him the week of April 24, 2006 when he was out of the country.
Posted by smilingjill on 2006-07-20:
Hugh sounds like a retard
Posted by smilingjill on 2006-07-20:
Discoverhater~~ you are 100% right...They are an unscrupulous company to clearly stay away from. I have recently stopped 15 friends, family and two companies from using them due to my problem. Word of mouth is so sweet:) STAY AWAY FROM DISCOVER CARD!! MUCH BETTER CHARGE CARDS TO USE.
Posted by meemos on 2006-08-03:
i see you deleted my comment. nice. really nice.
Posted by meemos on 2006-08-03:
"You can bet someone down the line at Discover Card, because of your letter or phone call, is going to be reprimanded and/or fired for not taking action on your behalf and because the complaint went all the way to the CEO."

Oh really? Have you ever worked for DFS in Riverwoods? I think not. I have and in the department that sends you all those lovely junk mail offers and other direct mail. No one gets fired. Credit cards are in the business to make money. They can legally get away with all of this *** because of the fine print in your Terms of Agreement. Read it and read it well. You'll think twice about ever opening any card.

Discover, Providian, Capitol One--they all blow big time. And no one is going to change.

And next time, why don't you print his real extension instead of the main #. You won't get anywhere with that number.
Posted by meemos on 2006-08-03:
Oh and the address isn't Deerfield. It's Riverwoods.
Posted by narba88 on 2011-03-31:
Thank goodness for this posting. Our Discover card interest rate jacked up before credit card regulation effective date 02/2009. Discover advises they sent me a notice but I swear I never got the email. I didn't usually sign on to my account (paid by mail) so it's possible they sent an internal message. We were not able to contest the increase by closing the account right away since I missed the memo. We closed the account after our cash purchases went up from 12% to 25% and our regular purchase interest went up from 6% to 19%. Last year we paid over $1500 in interest alone to Discover card. I kept asking Discover card customer service over and over to please help us with reducing the interest rate. Finally, this month March 2011, I read an article that Discover card was going to reduce interest rates for customers who had their interest jacked up prior to the credit card regulation. I sent an internal email to Discover card customer service again asking to reduce my interest rate. After three business days, I received a reply advising me since my account was closed with Discover card, they cannot change my interest. I found this email on google and called the CEO's office. I spoke to a Marie who said they reduced my 19% down to 13%. Since my cash amount is almost paid for Discover card reduced the 25% to 17% which will take effect next month April 2011. Holly crap what hell to go through. I haven't had a pay raise in 2+ year. We have a teenager and every single time I asked to reduce the interest, Discover credit card company said "No can't help you." Thank you for this posting! And thank you to Marie at the Executive Offices of Discover card who helped reduced our interest rates without hurting our credit rating. Thank you, thank you, thank you!
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Pre-Approval is a Scam!!!
Posted by Pnsatonto on 03/26/2011
Discover just sent out a mass mailing to many prospective clients telling them that they have been 'pre-approved' for 12 months of interest free. The mailing sent a certificate of pre-approval and said that you can go online to mydiscover.com for an instant approval. I went, completed the information, and waited to receive my 'online response'. Instead, the site directed me to sign up for 'free trials' for protecting my identify and credit checks. It did NOT give an option to 'exit' this information. I called the number on the response and the agent told me that I was denied credit with discover. I asked her 'why' I received a 'pre-approval' and why I didn't get my 'online response' as indicated in the letter. She told me that Discover obtain my information from a Major Credit Bureau which indicated I met the criteria discover was looking for in a customer, however, she said that after running my credit they found that I did 'NOT' meet the criteria they were interest in for a customer. I told the representative that I will take my $250,000 household income elsewhere and that I will 'never' be interested in an account with discover since I do not meet their criteria. My family has a good payment history and we will stick with our CitiBank, American Express, and HSBC cards. I asked her to 'remove' my name from any future offers that that I do NOT want to ever receive a card from them. I also told her that they need to fix their website to now try to 'trick' a 'rejected' client from signing up for something an offer they have when that client hasn't even been approved by them. I feel this is VERY SNEAKY' on their part and we should have laws against this type of marketing!!!

My two cents: Do not do business with discover! They are very selective on who they want as a client and try to trick those rejected for credit into signing up for something thinking they have been approved!

Have a nice day all!
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Posted by Skye on 2011-03-26:
Discover card was the worst card I ever had. Glad I do not have that one anymore.

Consider yourself lucky, that you were not approved for a Discover Card. Besides, with your income, there are other credit cards that will be more then happy to give you a line of credit, to create a debt for yourself, with them.

You were pre-approved to see if you quality, not that you would instantly receive a credit card. Like you said, it was a mass mailing, many received the same offer.
Posted by trmn8r on 2011-03-26:
I don't see anything wrong with a bank being selective in whom they decide to extend credit to. Your $250K household income wasn't enough to sway them. I have less than $50K of income these days, haven't had a job for 6 years, and have no problem getting new credit. There must be another factor you have failed to consider - there are several, you know.

As to the website, I agree wholeheartedly that if an applicant is denied, they should be told so and not solicited for other items.
Posted by redmx3racer on 2011-03-26:
You can make millions a year but if you have a high debt to income ratio you can still be denied credit. Just Saying.
Posted by raven2010 on 2011-03-26:
Banks can be as selective as they choose, as long as they follow the Equal Credit opportunity Act

Posted by Anonymous on 2011-03-26:
I think the OP was more upset with the terminology "pre-approved". I was solicited by a company before and they said I was pre-approved, and that all I needed to do was fill out an application. I responded by asking why did I have to apply if I was pre-approved? You aren't really approved at all. That term is extremely misleading and should be considered fraudulent. I simply shred my mail anytime I see "pre-approved" anything.
Posted by raven2010 on 2011-03-26:
Using "pre approved" is legal as long as the bank follows established guidelines. you are pre approved based on the general info they gather--once you confirm and ad the rest of your info, they make their decision.

perfectly legal.

Posted by Anonymous on 2011-03-26:
I never said it wasn't legal. I just said it "should" be, since it's so misleading to many people, the OP included.
Posted by raven2010 on 2011-03-26:
I didnt indicate you said it was illegal....
Posted by Anonymous on 2011-03-26:
C'mon now.
Posted by raven2010 on 2011-03-26:
You inferred---I have no control over over that.
Posted by Anonymous on 2011-03-26:
Since none of my comments included the name Raven, it is YOU that must have inferred I was speaking about your comment. We could go round' and round' all day, or simply move on to the next topic. :o)

See you there!
Posted by raven2010 on 2011-03-26:
Ohhhhhh very true indeed, *giggle*
Posted by momsey on 2011-03-26:
'Good' 'review'.
Posted by GenuineNerd on 2011-03-26:
I have received so-called "pre-accepted" (as opposed to "pre-approved") credit card applications in the past. Note the wording "pre-accepted"...the CC issuer will most likely mail out thousands of these "pre-accepted" applications, even to persons who are not exactly credit-worthy. Once an application is received by the CC issuer, the applicant still goes through a credit check, and would either be denied credit or offered a CC with a lower credit line and/or a high interest rate...basically, the CC issuer would offer you a low "teaser" interest rate, but 6 months to a year later, your interest goes to 25%-30% or higher, after the low "promotional" or "teaser" rate expires...especially bad if you hope to use the CC to transfer balances from higher interest rate cards to that card. Either the card issuer will not offer enough credit to even cover the balance transfer, or offer the low rate on the balance transfer for so many months, then the interest rate gets bumped up, thus keeping you in deep debt again...unless you pay the transferred balance in full during the promotional period. The CARD Act has reduced these games played by the CC companies in the past, and the amount of CC apps I've received in the mail have been much fewer in number...before the economy went bad I used to receive 2-3 CC apps a week...now I'm lucky enough to get 2-3 a year. I just run them through the shredder...I need another credit card like I need a hole in the head.
Posted by Cwazychicken on 2011-03-27:
You can take Pre-approved 2 ways. 1) You are accepted before getting approved, which is rarely the case with anything today. Or 2) Like a pre-teen becoming a teenager, It's the step before actually getting approved. I can see where no credit card would take someone with bad or no credit (and the ones that do, stay away from..especially if they require a deposit. Well, most any ways. My brother was scammed by a company that took money for a deposit and vanished into thin air!). However, i can see how people feel misled by the mail. But its like those publishing clearing house junk mails (YOU WIN 1,000,000)..All you need to do is order magazines and you get the chance to win...Or "THIS COULD BE YOU!" . Nothing illegal with the wording, but it is annoying to get those in the mail. I always toss them lol.
Posted by Venice09 on 2011-03-27:
I received one of these the other day and tore it up.

Income doesn't matter. I got all of my credit cards when I technically had no income. I have no idea what my credit rating is, but I have never been denied credit.
Posted by getoverit on 2011-03-27:
I was glad to hear that the OP had other credit cards and wasn't really relying on getting a Discover Car.

I used to have one. Like some of the other commenters, I didn't like it as much as other cards I have. They play lots of these little games. I closed it.

I always thought that whole "Pre-Approved" thing was just a gimmick. It's just a mass-mailing to people whose credit reports don't absolutely stink. And watch out for those teaser rates, too, because there's usually transaction fees that will eat up a big part of what you save in interest when you switch. Plus, they often slow-card your transfer, so you end up paying interest on both accounts for a period of time.

Posted by I agree on 2011-08-01:
I agree with you they should not say you are approved and are not had the same thing. Shame on you Discover card for providing poor customer service. They do not care at all about their customers
Posted by bait on 2011-08-03:
Discover Card company is just another
bait & switch company. They will tell you
"pre-approved". They will offer you different
products. Don't waste your time with Discover.
Just a "Big Scam".
Posted by jeffery on 2012-11-21:
discover told me i would get a response on my credit application instantly on line i then was prompted to set up my options for payments as if i had been approved even have a pass word for log in they are a scam cc company
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I Hope Discover Card Is Wearing Protection As It Screws So Many Americans
Posted by Wrath Of Tom on 09/28/2009
WILMINGTON, DELAWARE -- Fellow Hardworking American Citizens,


(Have a bake sale, a car wash, sell stuff on ebay, but don't get screwed by a credit card company, like I am gettting screwed (BUT NOW FIGHTING BACK)


My story or a rough cut of a letter that is truly still a work in progress is below, it is being sent to discover, craft your own letter, fight the power, no more 28% interest, no more debts that last 20 years because they are specially formulated to keep you in debt, based on the companies knowing your payment history that is what you are capable of, and hitting you with fees or an interest rate, to keep you in debt, it is IN DISCOVER CARDS BEST INTEREST FOR YOU TO BE SUFFOCATED WITH DEBT YOUR ENTIRE LIFE, no more!!!!make a stand, the time to fight is now...complain on the internet, post your stories, rants, complaints, even if they are rough like mine, you can come back and hone them up later...also file complaints with the better business bureau...et cetera...more below...

My name is Tom Anderson and I am submitting this formal complaint letter to Discover Card. I am a very dissatisfied customer and will also be submitting this letter with adjustments made per the audience to the Better Business Bureau, City, State and Federal business regulatory commissions, consumer advocacy groups, my local politicians where I first became a Discover card holder, and to the politicians where I currently reside, local, State and Federal. In addition I will wage an all out campaign against Discover Card and their unscrupulous practices via the internet. By any means necessary. I will give Discover Card 7 days from my mailing of this letter to address this situation, I will be willing to negotiate, initially, but in the past when I have battled capitalistic, corrupt institutions like Discover Card I have found they do not work with me until they see the full barrage one motivated consumer can wreak upon their business.

I have held a Discover card for over 9 years; I have 99% of the time paid my bill, in full on time. I have made a lot of money for your company. That is over.

Problem # 1

My credit limit is at roughly $5000, you loaned me $5000, how many times do you think I have paid you $5000, for the privilege of that initial loan, and how many more times does Discover Card expect me to pay another, and another $5000 on that initial loan you made to me years ago. Other consumers may pay, and pay, but I am standing up and telling you, you made your money off of me and we are through. I have not even used my card for almost 2 years only made payments and their that debt is unmovable...and not even just the minimum payments, we're talkng 300 dollars here, 500 this month, 150 another month...and the debt stays the same...

Problem # 2 Closely tied into Problem #1

Discover Card has figured out a way based on consumers average payments, interest rate, credit limit et cetera to keep a consumer constantly and permanently in debt. We have all heard the statistics of how long it would take most consumers to logically and reasonably pay off their credit card debt. We have also heard of how many hard working, good, decent Americans are buried in your credit card debt. Enoughs, enough.

The real question is, do you settle with me, or do you allow me to begin my campaign to encourage all consumers to fight and push, and push and litigate, and default, until your company collapses.

Problem # 3

You have consumers agree to changes in contracts, not by signing or even reading (Witnessing) the change but simply by continuing to use their card. So you sell a consumer a Credit Card via an awesome 0%, no payments, incentives, cash back, sales pitch, then mail about thirty offers, junk mail, to the consumers house over the next year but one of those envelopes contains addendums to the original contract, like if you miss one payment not only will you be assessed a late fee (Double Jeopardy Punished twice for the same offense), but your interest rate doubles. How about a late fee or double someones interest, rate, or how about

hey I made my payment, for whatever reason it was a little late, people have logical reasons for being late in life, and so all is forgiven you still get your money and you are still getting 10-13 percent interest on your money, BUT thats not good enough for the fine people at Discover Card, NO, how about my money and 13 percent interest, and a late fee, nope thats not good enough either. Double the interest rate too.

No consumer in their right mind would or for that matter, it turns out, ever did agree to this clause. That clause isn't how Discover Card gets customers. You get em with a beautiful offer. Then send out an addendum to their contract. I would be willing to fight this in court on the grounds that, YES, FOR A CONTRACT TO BE VALID BOTH PARTIES HAVE TO READ, AGREE TO AND SIGN IT. For that matter I might just say that I am not sure I ever signed an agreement with Discover Card, and maybe many consumers didn't. I don't know if I signed my initial contract, it would be easy to find out, but I know I never signed any addendums, concerning raising my interest rate for late payments.

The question is, do I take legal action action against Discover or do I encourage thousands, no millions of consumers to take action, involving many lawyers, in a class action lawsuit against Discover on the validity of contracts, this is just one point among many that could dissolve your and other credit institutions in an instant if this goes to court.

Problem # 4 - And in Closing

I will not pay my Discover Card bill, not now, not ever. Like so many other hard working Americans. Discover card HAS constructed a system to keep consumers in debt. You and other credit lending institutions are unscrupulous. The time for change is NOW. You crossed the wrong guy in this consumer. I will negotiate with you now (Maybe) or within 7 days of you receipt of this letter, but then I pull no punches, and settle for no less than the bankruptcy and collapse of your company, via consumer education, spun into individuals fighting Discover card, turning into class action lawsuits all over the country concerning the validity of contracts and other unfair practices, and turning over accounts and bills concerning overcharges, re-adjustment of interest paid, refunds, refunds, refunds, collapse.

I hope to hear from Discover Card representative soon concerning this issue, if not.

One more thing...recently I made a payment on my card at Sears...Discover card called me a month latter and said I owed them a 2 payments, and a late fee, and they are going to raise (Double) my interest rate, because that's what they do if you miss one payment...well, this is because they didn't get the payment I made...computer error...people error, don't know yet, it's under investigation, just telling consumers this because all Discover Card holders who have ever been assesed a late fee, or had their interest rates increased, should immediately, don't delay, call or email Discover and demand an audit/investigation of your account, it could be they made a mistake, and didn't get your payment, have them turn over the books on your account, before you ever let them charge you a latge fee or raise your interest rate.

Thank You for reading...

If we all stand up to this we can beat it...Democracy?
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Posted by MaggieMcT on 2009-09-29:
You agreed to the account terms, and now you want out. Too bad. Don't borrow any more money if you're not going to pay it back.
Posted by googlemyyahoo on 2009-09-29:
I just had to comment because I love the title of your post. LMAO!
Posted by MSCANTBEWRONG on 2009-09-29:
So you used your "credit" card and were late on the payment so they doubled your interest rate correct? Sorry, read your contract...you agreed to it when you signed up for the card. Pay it off then cut it up...
Posted by KCRovert on 2009-09-29:
So, "Wrath of Tom", tell me what credit card you can get that will allow you to max out your available credit, then be late with payment(s) and not charger you late fees & increase your interest rate? I've had a Discover Card for many, many years and have never had a problem with the card or their customer service.

Oh, and a big "thumbs up" for wishing thousands of workers to lose their jobs because you can't control your spending or make owed payments on time....nicely done!!
Posted by bcd on 2009-09-29:
RE: “… no more debts that last 20 years because they are specially formulated to keep you in debt …”

Pay more than the minimum and the debt will last for a much shorter time. If you can’t afford to pay more than the minimum, then get your spending under control. Don’t blame Discover for your actions.

Posted by Critical_level2 on 2009-09-30:
Discover must want us all in debt. I transferred $5K (botched wedding) from BOA card at 19% to Discover for a 3.9% special for 2 years. It is almost fully paid off. I I love my discover card. For every six payments I make on time, they refund one months interest back to me. It may not be much, but in this economy, every little bit helps, especially when paying down a large credit card debt.

Wrath of Tom, You need to take some classes on how to manage your finances better.
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You want problems, Open a Bank Acct with Discover Bank
Posted by Tired of ripoffs on 06/09/2009
I have never experienced the lies and B. S. in all my life in attempting to open a money market account. They received funds via a wire withdraw from my bank which they acknowledged on May 26th. As of Jun 9th they state that my account has a problem due to lack of signature card. Depending on who you're talking with, they just lie to you and give you a bunch of B. S.

Due to their lies and B. S. I demanded a return of my money. Due to the fact that the deposit was over $25,000.00 they said it would take 2 to 4 business days as a manager would have to sign off. Oh and P.S. that they weren't going to charge me $20.00 for canceling the account due to the problems.

Who needs this kind of B. S. and lies. I sure as hell don't. I'll never due business with them again. It's not that I'm asking for a loan

Customer service, ya if you want lies and you better call them between their working hours

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Posted by Goldielox on 2012-05-11:
If you want a wk. of hassle's, run-around and lies, open a CD with Discover, that's how long it took to withdraw MY money that they happily take and use for practically nothing, but try to get a distribution! Had I not told them I was filing a complaint with the corp. office, it would have taken up to one more wk. BEWARE!
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I Would Like To Complain About Discover Card Customers
Posted by MandyCakes on 05/30/2009
I work for Discover Card. I talked to all types of customers all day long and prior to popular belief we probably talk to a lot more rude customers than you probably talk to rude reps.

I have some advice and complaints.

When you call and want to know why your interest is 28.99% and I look at your history and you have been late 11 times in the last to years...please please do not say "Well by how many days?"

I don't care how many days late you were if you are ONE day late than your late. We give you at least 25 days to pay your bill and the feds only require 21!

Please do not call up and tell us we are GOING to do something. You know what we want to do at that point and probably will do. Nothing. We are people to! We are husbands, wives, kids, students, workers, and yes consumers and we probably all have credit cards. Not even just dare I say Discover Cards.

I had a very rude customer call up today saying, "I don't care what your name is. I am going to tell you that you are going to remove this late fee and remove it now." When I politely asked him to bare with me while I review his account he yelled at me he doesn't care what I do but I was GOING to remove that late fee. I removed it because I believe Discover Card is a good company not because he yelled at me and he had never been late before. You get more with honey than you do with vinegar. At your job if someone is rude to you how do you feel? I am a strong believer that you do unto others as you would have done unto yourself. Thats why I removed the fee because I know if I called and I had only been late once I would hope someone would remove the fee for me. Now here is a secret if you have never been late before and you have good payment history we will always remove the fee the first time. Second offenders are not also so lucky.

But honestly guys, if your digging your selves in debt holes or treating us (customer service reps everywhere) like robots not people how do you expect us to be able to do anything or want to do anything for that matter? Just food for thought....
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Posted by Anonymous on 2009-05-30:
ADMIN! This belongs on the forum side.

Mandy, I would take your post a little more seriously if you had not been going on to complaints that are six months old, or older to give your three cents. You haven't given one ounce of helpful advice... only telling customers what they have done wrong, or that Discover is not at fault ....but not what the consumer could do in the future that would help their cause.
Posted by DebtorBasher on 2009-05-30:
I've been in Mandy's position many times and I have to agree. Those who started off the conversation with an 'attitude' was less likely to get 'extra' help from me. Those are the ones I did NOT offer other options to. But, if someone was decent and was willing to listen and not tell me what MY job was, I took more time to help them in whatever way I could.

I also agree with Mandy about the one time removal of a late fee if you have a good credit/payment history with your credit card company. It is called a "courtesy fee removal" and the customer was allowed one courtesy fee removal within a twelve month period. Most of the time, the customer has to ask for that removal...NOT DEMAND. I do not give in to demands by customers because when I'm on the phone with them, it is ME who has control of the conversation, not the debtor. If the debtor can't control their own credit, they certainly aren't going to try and take control MY job.
Posted by ejack053824 on 2009-05-31:
Soon as he told me "I was going to remove the fee", I would have added another fee and told him tough.
Posted by Anonymous on 2009-05-31:
Customers amaze me sometimes. Hearing the way people talk to store clerks, I can only imagine what they are like on the phone. When I have to call up a call centre about a problem, I always assume that the person I'm speaking to does not have the authority to correct the problem and I always assume that if I am nice to the person on the phone, I'll get better service. Unfortunately, most people are interested only in themselves and will never treat others as actual human beings. Good luck to you - I could never do your job.
Posted by madconsumer on 2009-05-31:
great review. thank you for the 'other side' of the story.

very helpful.
Posted by oldisgood on 2009-06-01:
I have been a Discover client for 20 years. Of the few problems I have had, I ALWAYS try to be polite to whomever I am talking to. I have found out that it is the best way to probably get what you are calling for. I have worked customer service, too, and I always went the extra mile for the person who treated me with respect. Those who DEMAND something were usually not quite so lucky.
Posted by laklisa on 2009-06-05:
I love it-I handle customer service reps for a major retailer and can relate.
Posted by Schmoopie on 2009-06-24:
Discover card company are jerks. They've become just like all of the rest of the credit card companies! They're screwing over multitudes of people that have NEVER been late on their bill and NEVER got anywhere close to their limit and you guys know it. These actions are only going to hurt them in the long run. You'll see.

I don't see how someone could work for a company like this.
Posted by annonymous1987 on 2009-07-21:
mandy: good job representing a great company. You are correct. What differentiates dc from other companies of any kind, is our values. We believe in them, we follow them. I strongly urge card members to think about the way they treat agents on the line.


There is always another side to the story. Most card members dont think of that though. They treat you like , crap and then go on with their day. It only makes them look bad though. Little do they know that its a source of amusement to others.



Posted by Dendryite on 2010-01-06:
I've been a happy Discover customer for over 15 years now (you can read my review) because I've never spoken to a rude rep.

I'd like to point out, however, that I rarely have this experience with other companies. Even though I am always courteous and respectful when calling any customer service rep (AKA human being), the favor is often not returned. Just today I spoke with 2 rude and ignorant reps (moronic robots) at USPS, then to another one in person at the post office. I was nearly shaking with anger after having to be treated this way when I'm the customer with a legitimate complaint who is speaking calmly and respectfully.

I don't know what Discover is doing to keep their customer service so excellent. Keep up the good work!

Does Discover treat their employees well?
Posted by idontgetpaidenough on 2012-06-17:
thank you for posting this. after a long day at work in collections for discover it made my day to see this

dr mr smith.
im calling u on sunday because we didnt recive ur payment. yes i know what day of the week it is. im sorry u got this call at 830 sir but we have tried to call all week but have not been able to contact you. please sir dont call me names im trying to help u. lets come to a agreement so u dont get reported or go over ur limit. yelling at me is not going to resolve this issue.........

sometimes i just want to say hey jerk off i did not make u late. really im just trying to do my job and if ur screaming and yelling at me and calling me names. i dont care what ur going through. but respect me i will listen care and help as much as i am allowed. im just trying to do my job.

secret #2 people
we wave fees like crazy just be respectfull and work with us.
Posted by JACK on 2012-11-21:
Posted by Joe on 2013-09-06:
I just want to say that I called to ask to see if they can lower my rate. I have been with Discover for over ten years, and never been late. Yes, I do have a significant balance with them, but I am in the process of paying it down. I was very cordial with the rep (as she was with me). They said they couldn't help me. They gave no reason why (but I know why, because they want me to keep paying the outrageous interest rate.)

I have not used my Discover card in awhile, and will no longer do it. I've gotten a new card with someone else to transfer the balance and pay no interest for 18 months and a lower rate that I am paying now afterwards. Thanks but no thanks, Discover. My 15-20 minute call was clear, cordial, and I never yelled or raised my voice. As it should be.
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Unethical company
Posted by Denmom on 08/05/2004
GEORGIA -- Last month I was upset with Discover and wrote a review about the company. They had laughed at me when I asked to play the recording that would prove what they had told me during the conversation in which I had opened an account. I was told that that would NEVER happen. I owed them over $7000, which I had transferred from a same as cash deal. I could have paid the balance but did not because I was not being charged a finance charge; then suddenly one appeared. I told the rep who laughed at me that I would pay the bill in full, then cancel the account. I waited until three days before the due day and paid the bill in full. I waited until a new bill came out to close the account in case there was a charge I had forgotten about. There was no regular charge on the bill, but there was a $74 finance charge, although I had paid the bill in full before the due date. I called the company and was told the person I talked to last month should have told me a "full" payoff amount and that I would have continued finance charges. He didn't tell me either. I am now going to pay the new charge and I am going to dump this company. And, you know, I bet I never do see that cashback money. Never have.
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Posted by PeskyKittyButt on 2004-08-09:
I can't believe they wouldn't play the conversation back for you. That's why they're supposed to record the calls. Sounds like it's time to get rid of them anyway
Posted by OpenMinded on 2006-03-29:
Hello, just so you know Discover actually handles this better than most other companie...let me explain. Interest is charged daily, so if you carry a balance for a full month you pay 30 days of interest...but when you carry a balance, then choose to pay it off... they can only charge you for the days you owe the money. What Discover does is called a residual finance charge. They don't include the next month of interest on the current bill (because they don't know if you might pay it off) Other companies assume you will continue to carry the debt, therefor add 30 days of interest ahead of time to the bill. Discover requires you send one last check... others require you to call in and request a refund to be sned if you pay early.. there's no easy way, you decide which is less convenient.. as far as Cash back goes, I just took a cruise with mine. I earned over $1500 in 18 months, then doubled it toward Celebrity Cruises. Gotta use the card to expect something in return...
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It Does Not Pay To Discover - Discover Card Sucks
Posted by Wrath Of Tom on 10/28/2011
SALT LAKE CITY, UTAH -- If you (For some retarded reason, i.e. you are just a contrary person, or you work for one of these financial institutions...) do not agree with what I say about the devious practices of Discover Card, below, go read what this organizations says, about what are seemingly illegal practices, done in broad daylight...http://www.bcsalliance.com/x_creditcardtricks3.html

My name is Thomas Anderson 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 have responded to my many other post 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 devils 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, 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 was 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.

Actual Complaints:

1. 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?

2. 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.

3. 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?!

4. 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) But...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.

My Desired Outcome:

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.

Problem: I am extremely dissatisfied with this company.

Solution: 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.
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Posted by saj80 on 2011-10-28:
Did you receive your monthly billing statement via mail or electronically? Whichever method, it will disclose the due date, minimum due, and balance.
Posted by spiderman2 on 2011-10-28:
Please don't use the word retarded to express your anger against someone else's behavior. It is considered quite rude. I am totally not on the PC-train usually, but this one hits close to home for me.
Posted by Anonymous on 2011-10-28:
spiderman2, you are not alone. It is offensive.
Posted by unhappy999 on 2011-10-28:
I have Discover Card and when I use it, I pay my bill when its due and I haven't had any problems. I have other cards that get more reward points so I use them before I use Discover. Anyone who gets loans or uses credit cards have to be responsible and make payments on time. If you do that, then you will not be paying $30,000 for a $5,000 loan if that even happened.
Posted by ok4now on 2011-10-29:
I have never had a problem with Discover. I pay them as soon as the bill is received and the reward points keep adding up. I did try to negotiate a lower interest rate but they refused. I played the game and did a balance transfer at zero interest for a year to Chase.
Posted by traceylynn on 2011-10-29:
I love my Discover card, in fact my Birthday is this month and they gave me 5% cash back for October which was awesome. Discover is a business.....if you use their money you pay it back with fees (if late) and interest. Interest is how they make money (hence the business part). If you don’t want to pay interest don’t use the card....likewise if you don’t want a late fee pay on time. You had no problem using the money when you wanted to buy something but you didn’t pay it back on time and now want the fees waived or a lower interest rate and unfortunately they do not have to do this. You need to pay it before it goes against your credit. Credit can even affect job applications this day and age. If I may I will also add I have never had a problem getting my Discover statement. They email and mail it to me plus I know my billing cycle so I usually pop onto the website as well. The website is very clear and well built, I really like the feature where it breaks down your spending and allows you to track what type of monthly purchases you are making!
Posted by grandma005 on 2011-10-29:
As with any credit card you and only you are responsible for making sure each and every payment is received on time. You have to check your statement for the due date of each month. You cannnot assume that just because the due date of last's month's bill was the 7th then this month's bill is due the 7th, There are 30 to 31 days in month months and one month has 28 or 29 days in it. So yes the due date changes every month. That is why you need to check your statement as soon as you get it. If you can send payment to them as soon as you can. Even with bill pay it takes about 2 to 3 days for your card to be credit with your payment. When you use the United States Postal service to mail your payment you are at their mercy. Yes checks get lost in the mail. Yes mail gets put in wrong mail boxes. And yes checks get missed placed by credit card workers. I have heard of cases where a employee went on vacation and stuck checks in her desk and stayed there until she went back to work. Bills were not posted to accounts on time. Use the bill payment system of your own Bank to pay payments even then it is your responibility to make sure payments were credit on time. This can be tricky. Some credit cards will post payment to the last month's bill if payment is posted even one day early. You have to make sure payment is received at least one day after the closing day of this month's bill. Yes credit cards are snakes but you have to be a larger and bigger snake to keep them from getting one up on you.
Posted by At Your Service on 2011-10-30:
I agree with Spiderman2 about using the term "retarded". Frankly, it shows a lack of sensibility.

I liked the review in that it was very detailed. Ultimately, though, I kept wondering why you wouldn't just refinance the card's balance through a different financial institution? There's absolutely no reason you need to continue to deal with Discover if you would rather not. That doesn't alleviate the balance as you want. Generally interest rates are in direct correlation with the amount of risk they feel they are assuming by dealing with you. You may find it more advantageous, with a smaller interest rate, with a different local finance institution.

Best of luck.
Posted by ok4now on 2011-10-31:
Yes Discover is a business and they heavily advertise their 5% cash back. Read the fine print. This is not on all purchases but select ones that change every 3 months. This may include a promotion for restaurants, then groceries or gasoline. The cap is $1500 so the maximum cash back would be $75.00. By limiting the customer to a specific purchase they make it difficult. In a 3 month period would you typically spend $1500 at various restaurants to collect the full 5% cash back? Even if you did would it be worth it for a lousy $75.00? Not in my book. You might want to reconsider this.
Posted by RichB***h on 2011-11-29:
I've had the same damn $500 Discover Card limit for 4 years now, even after applying for an extension.

Discover makes it very difficult to pay off their credit card early (on-line).

The hoops you have to jump through to earn 'points' in their cash back bonus program is ridiculous, and often counteracts other website point earning promotions (ie. BoxTopsForEducation.com)

How come poor people are allowed to spend themselves into debt, but they make it extremely difficult for rich people to spend their money!?!
Posted by Mamas on 2012-08-17:
Tom- It sounds like you have a huge, personal problem with Discover. I see that others have suggested transfering the balance to another loan, which I also think would be a good idea. Credit Card companies are not out to get you! Like I know you have heard before...Pay attention to your bills and you will be fine. A lot of the changes, like due date and minimum payment increase, can be prevented (unless you are late) if you call prior to the change taking effect. That is why looking at each and every e-mail, letter and statement is crucial. I hope that you can resolve this without it completely consuming your life like it seems to be right now. Let go of the hate and just pay the bill or transfer it.
Posted by yellowdog 3849 on 2014-01-29:
this company operates like legal loan sharks. a missed payment( appx 12 hours)( once with a large principal) charged 29% interest rate( no sympathy). Went to close my account and was quoted a price $300 more than the account ballance to pay off ( entire) balance. I haven't used card in 7 months, but still was charged $300 to clean slate. your better off at the pool hall. b careful with discover. I just paid them almost $19, 000.00
to learn this lesson.
Posted by K.Moore on 2014-02-28:
My husband and I just used our Discover cards and paid them off each month. We wanted piece of mind w/ internet purchases. Then came 42nd Street Photo who put unauthorized charges on my card. Discover did nothing. The BBB in New York helped. They got the vendor to agree to put the money back on my card. I sent these e-mails/documetation to Discover. The vendor did not put all the charges back, and Discover did nothing. So, we closed our cards and filed Attorney General complaints against the vendor. Discover finally got our money. Only, because we shamed them. We had documentation on our side. They just did not want to explain themselves to the A.G. Get another card that protects you as a consumer!!!
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Get Rid of Your Discover Card ASAP!!
Posted by Irishsmiles4you on 07/17/2007
My wife took my Discover Card and charged it up without my knowledge and she paid the bills so that I had no idea until it was "Discovered" two years later. I challenged the initial charges (she was not on my account). They refused to do anything. I never used the card, never carried it and had no idea there was a balance. Come to find out that the actual amount charged was right at $2,000. The interest rate was 28.8% and my card quickly went up to $6,000! I challenged the account and they were very, very nasty and ended up filing suit against me. I ended up paying off the account- but they were so very mean and nasty. I will spend the rest of my life (I'm in my late 30's) warning people to AVOID AND DON'T USE YOUR DISCOVER CARD.


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Posted by spiderman2 on 2007-07-17:
Are you made at your wife or just Discover?
Posted by Extended Warranty on 2007-07-17:
Yea, good idea, let's blame Discover because of women.
Posted by Slimjim on 2007-07-17:
So you're saying Chase forgave all the debt your wife rang up on their account? I seriously doubt it.
Posted by rah332 on 2007-07-17:
if your wife used your card without your knowledge and consent, you can have her arrested and charged. isnt she the one at fault not the cc.
Posted by Anonymous on 2007-07-18:
I second JayD .. Discover shouldn't refund the charges. If you and your wife aren't able to act like mature adults that communicate with one another, find a marriage counselor before it's too late.
Posted by cadydid on 2007-07-18:
I can understand a month, but two years? Setting the mind-boggling lack of communication aside, why did it take you TWO years to discover this?
Posted by Anonymous on 2007-07-18:
You had a similar situation with Chase? She can't be trusted can she?
Posted by SarahinFlorida on 2007-07-18:
I agree with all the previous posts. Two years?
Posted by warddw1526 on 2007-07-18:
Not standing up for the OP at all, but it sounds like maybe he and his wife are not together anymore.
Posted by Irishsmiles4you on 2007-07-19:
Don't misunderstand my complaint against Discover Card- She had a private PO Box to get the bill. I only found out through a credit report. It was fraud. I could have prosecuted or filed for bankrupcy. We are still married. She took me for $80,000. Yep. $80,000. SEVEN credit cards- BUT DISCOVER CARD WAS THE WORST OF THE SEVEN- I'LL NAME THE OTHERS....
Posted by *Brenda* on 2007-07-19:
You're still married? That sounds a little fishy. Someone steals 80 grand from you and you stick with her? You didn't notice 80 grand worth of merchandise laying around?
Posted by spiderman2 on 2007-07-19:
Yep, so I take my husband's card, charge $80K and have him tell the companies he didn't know and I get to keep the stuff and stay married AND have the debt forgiven. I don't think that sounds right.I would think to have the debt forgiven your wife would have to have been prosecuted for fraud. Something doesn't add up here.
Posted by Anonymous on 2007-07-23:
She set up a private PO Box to get the bills. These cards were all in your name.. Didn't you notice that you weren't receiving any bills from SEVEN different credit cards to your home address?

Besides Discover, the others worked with you. Unless you were willing to press charges, I find that hard to believe. What would stop anyone from setting up a private PO Box, charging up tens of thousands of dollars, and then claiming their spouse did it? Doesn't make sense.

What exactly did she buy for $80K that you didn't notice?

Posted by kellbell on 2008-01-19:
I started getting harrassing phone calls from Discover Card in November. I have made timely payments, except 1 late payment. They have called 15 times in the last 2 days. They phone stalk you. I had set up my payments via internet, they claim they don't get them, they claim that I am not paying, and when they do get the payments they say they are late which is a crock. I'm fed up with this co., they called me on Christmas day four times. I had made "sure" I was paid up intil Jan 2008. Guess what, I should be paid up now since I made 2 payments but they keep calling me. I'm sick of them. I wish I had never ever taking out Discover Card, I'm switching back to Bank of America, they are more reputable and I never had a problem with them. Now I wonder if my credit isn't messed up due to their disorganization and harrassment. They are the worst company I have ever dealt with. They do not care about the customer, they will raise your rates like crazy and abuse their power. They are just awful and as far as I'm concerned, criminal.
Posted by Anonymous on 2008-01-19:
Kellbell, two items:

1. You can't make two payments at once, they just take it as one larger payment to your account.

2. Your on an autodialer, there is no human being at the other end until you pick up the phone. You don't answer the autodialer keeps calling.

ps) Your going to really love BofA if you ever go late with them too. Read some of the reviews around here on BofA.
Posted by fvertk on 2008-02-28:
What a pathetic complain to make. Read spiderman2's post. That's basically the summary of what you're saying happened, and I can tell you, I highly doubt that ever happened. Considering you're that irresponsible if the story is true, I have no doubt you also fabricated other parts of your story, as irresponsibility and lying go hand in hand.
Posted by aquasue on 2008-04-14:
First of all I agree with everyone else...it sounds like a personal issue you need to deal with not a discover card issue. Secondly, Discover Card has a $0 fraud liability clause. If you didnt do it and you want to press charges on the person who did use your card w/o your permission they wont charge you. But im sure some of that stuff that was on your card was yours...like paying bills and everything else. I DONT BLAME DC A BIT
Posted by CreditCardAdvice on 2008-05-01:
I agree on this I dont blame DC a bit on this as well, because with DC there is $0 dollar fraud liability. Sounds like your just retarded with your credit cards.
Posted by barrels17 on 2008-12-24:
yeah, uhh... my wife went out and bought a mercedes on my discover card without my permission... can you take that off for me? HAHAHAHA FUNNY
Posted by MRM on 2008-12-24:
Sounds like you wife is a golddigger.
Posted by Fran garcia on 2014-01-04:
I think his wife took advantage and can get paperless billing and keep that info from her husband however I once had a financial advisor tell me not to go with discover card because you can never pay it off. Maybe they have changed for the better since that time but I think they ought to work with people in cases like this and lower the interest rate a couple of points. I feel for this guy.
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Unwanted phonecalls
Posted by HobbitLovr on 01/28/2008
I continue to receive junk calls from solicitors who say they are with Discover. They want to THANK me for my service and offer more exciting products and services. I have asked them calmly and repeatedly to remove my phone number from their calling list, explaining that I only want to be called for urgent business regarding my credit card - and they systematically HANG UP ON ME!

Do you know how annoying that is? Maybe we should all call Discover and hang up on them! Grrrrrr!
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Posted by GothicSmurf on 2008-01-28:
Thank you for calling Discover, if you'd like to get information on your bill press 1. If you're calling to hang up on us, press 2. *Presses 2* Please wait while we connect you... *dial tone* Dang!
Posted by Sparticus on 2008-01-28:
I get calls from Discover on occasion but they are usually just checking up on any large purchases I put through to make sure everything is legit.

One thing I do hate about them is they will occasionally send me BLANK checks in the mail. I can't stand when credit card companies do that! Seems like such a risk.
Posted by tnchuck100 on 2008-01-28:
Sparticus, I used to get those blank checks too. Very risky if you ask me. I called my credit union and they did stop sending them.
Posted by MRM on 2008-01-28:
Chase and Bank of America send me blank checks and it goes straight to the shredder. I need to tell them to stop mailing those before the thieves steal those blank checks from my mailbox.
Posted by CUFlipSide on 2008-01-28:
I always secretly hope that someone DOES steal those checks from my mailbox. I didn't request them, and I certainly am not going to be responsible for them. If the CC eats enough bad checks, maybe they will get a clue and stop sending them.
Posted by Ponie on 2008-01-28:
CUFlipSide, would the CC eat these or go after us? I've done what chuck mentioned. Called the companies and told them to stop sending them. But I guess Discover doesn't get the message. They keep sending them even though I haven't used the card in over three years. Maybe that's why they keep sending them? :)
Posted by Nohandle on 2008-01-28:
Some members here have enjoyed their Discover with the rebates. I replied to one of the mail offers thinking "why not"? I began getting solitation calls before I even received my card. When the card did arrive I picked up the phone and cancelled. I didn't want to be bothered. For those who put all purchases they possibly can on a Discover Card (or any other) pay that balance and enjoy the rebates they have my best wishes. The calls really became an aggravation for me.
Posted by HobbitLovr on 2008-01-28:
I did call Discover today and threatened to cancel my card, and they said they took me off their "courtesy call list" for special offers. I'll believe that when I see it. And to JayD who is confused, of course one can hang up the phone, but in order to hang up the phone one would have to first walk over to the phone, pick up the phone, answer the call, etc.. by then hasn't it already been a disturbance? Plus they leave numerous annoying messages on my voicemail when I'm not here. If I get one more sales call, I'm canceling the card.
Posted by fvertk on 2008-02-28:
I work at Discover Card, and that's weird that they hang up on you when you request to be taken off the calling list. What I do is I click the "Home Phone" box for that on my screen to "NO" read them a disclosure, and it's done. Whether upper-management has some tricky plan to put you back on it after a few months, I don't know, but that's how I do it.

That is just strange that they hang up on you when their incentive is based on card usage of the people they call. (So they don't want to make you mad.)
Posted by aquasue on 2008-04-14:
Yeah I am with fvertk...I am employed there too and thats not how we do business..our calls are monitored too. I think some people think its some secret society out to get them..lol. But some people have complaints to say about every company. You can call in and request no calls and no checks. Dc is very good about callin you if theres something weird going on with your card ... but I never rec calls like this unless its someone who had woke up on the wrong side of the bed and want to complain about anything. Our training trains us 100% customer service..and we give a lot of breaks to people who dont deserve it. I dont get that with my other credit card so i applaud dc for that even if I wasnt a employee.
Posted by CreditCardAdvice on 2008-05-01:
Yeah I'm with fvertk and aquasue because well I work for discover too, I dont understand why they would hangup on you as well, all I know is if a customer is requesting for us not to call them or doesnt want checks we click on Home Phone or Checks Box and select No then have to read a 2 sentence legal disclosure. It does take a certain ammount of time for your request to be process so you may receive calls or checks while its being processed but once it is no one SHOULD BE BUGGING YOU!!!!! :-)
Posted by daves3cents on 2008-05-06:
I opened my mailbox today and found a envelope adressed to me from Discover. I opened it and found two sets of checks, one with my information on it and another with someone else's informtion on them. I called Discover and they were not very concerned and told me this happens from time to time. After I became upset about their nonchalant answer, I was informed that I could request these checks not be issued to me. It just seemed like poor security to issue these cash advance checks and mail them to someone else.
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Posted by Tugger5000 on 02/20/2002
OHIO -- My girlfriend received a phone call at 130 pm from one of the telephone solicitors. She explained that she wasn't interested and the call ended. At 830 pm, another solicitor called. When he asked me if I was interested in a Discover card, she told him no, that she was extremely busy studying right now, please don't call back anymore. He continued explaining the benefits of the card, ignoring her requests to take her off of their calling lists because she was not interested. The only way she was able to stop the harrassment was to ask to speak to his supervisor. His supervisor asked if she had any questions. She mentioned that she wasn't interested, to put her on a do not call list and wanted to know why the solicitor continued to persist. He mentioned that solicitor was trying to pay for college.
Because of how the solicitor and his supervisor represented your company, she will never consider a credit card, loan or any other financial service from Discover. It is disappointing to know that a company like Discover still employs these types of tactics.

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Posted by Anonymous on 2002-03-25:
If they still call after you request them not to,they are violating the Telephone Consumer Protection Act! You could collect $500 for each call,should you pursue this.
Posted by Anonymous on 2002-03-28:
Whoops! That should be the "telephone consumer PRIVACY act",after all they are intruding on it.
Posted by Anonymous on 2002-04-25:
I guess hanging up the phone never entered your mind? If you don't have the time to talk to these people, HANG UP!
Posted by Anonymous on 2002-07-10:
maybe you should consider disconnecting your phone line. as long as you have a phone line, telemarketing will be around.
Posted by fupresti on 2004-05-11:
IF you are an existing customer they have the right to call you. Just call their CMS department and ask to be put on the no call list.
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