I have made numerous attempts to get charges incurred over 7 years for a protection program I did NOT sign up for. They gave me back 2 yrs worth which they also accepted responsibility. Now that I won't go away after a little money given back they are blowing me off. The latest service advisor I spoke with was **. Before that **, then supposedly her boss **. I have never been treated like this and as a small business owner and a legitimate long time customer who pays all his bills, I am now angry!! They do not care!! I am going to continue to review any site pertaining to discover card that I can.
Some people may not be able to pay for the scammed fees for a protection program. As it is it's tough enough for me. Discover card is going downhill and I hope to have a better update as I am quick to give praise to those who do what's right.
Discover card will not work out a reduced payment plan. Over the last few years I had major surgery, was out of work for 8 months, and had physical restrictions for one year at work. The company I work for was later sold and a 5 year pay freeze has occurred with no future increase. At this point I joined a debt settlement law group to work with paying off my credit cards. Discover refuses to negotiate with them or even me. I was put into collections soon as the debt settlement group contacted them.
It's an endless circle with Discover. They will not accept or negotiate a lump sum payment (that is available at this time). They will not even contact me to negotiate. My other credit cards are working with the program. I am an older person with mild disabilities - where I still work but lose about 4 intermediate days unpaid a month. Help!!!
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... My name is ** 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: 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 if changes were made they had to be read and initialed.
With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (where is the proof I actually received the letter?) and mind you they will bombard you with letters, and NO ONE reads those letters and all the small print. But this is the important point, whether you got the letter or not, YOU AGREE TO CHANGES IN YOUR CONTRACT - BY SIMPLY CONTINUING TO USE THE CARD. So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store.
Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers? When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1).
This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much.
In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts. It's part of their business strategy - get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost, even when it means their daily practice of breaking (and apparently creating) the law.
Most recently Discover Financial Services decided to change (without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, etcetera... 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 Discover's 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, etcetera. So they got me again... late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.
Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment. But it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?!
Finally, I have informed Discover Card that I am launching an all out campaign against them, via the BBB (which I am starting to think has been bought off by big business), the FTC, The American Civil Liberties (because I think the financial institutions inherently violate civil liberties, and generally a person's pursuit of liberty, freedom and happiness), my States Attorney General's office (in Georgia where I live and was the initial crime took place), and also with The States Attorney General's Office in Utah and Delaware where this company runs its 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.
Applied for Discover card under a promo offer to get $100 back after meeting terms of offer. Got the card, met the terms but never received my $100. Spoke with customer service and was told that the original AP with the promo code did not go through so there was nothing they could (would) do. Other than that (and a few improperly handled disputes) I have been fairly happy with Discover, so, when I received an offer for the Discover IT card (with the $150 back promotion) I applied online.
Called to check on the status and was told "it was in the mail", received a notice that they had been unable to confirm AP information so I called them and was put on hold repeatedly and transferred 4 times. Was told they had closed the AP since they had been unable to contact me by phone as the number provided was out of order (I have been using the phone regularly with no issues and no messages received and they never even bothered to verify my number).
They offered to take an AP over the phone but when I asked if I would get the same promo offer the response was he "did not know since it would be a new AP". I made it clear this was not acceptable so he went and "talked to a supervisor" then returned to report I could get the promo offer and took my information and approved the card (without even asking income information... hmmm and my previous AP had been closed?). SO he basically stole 1/2 hour out of my day and we have yet to see if they will make good on the offer.
I received a called from a debt collection agency asking me how I wanted to pay off my Discover Card debt. Told them there was a mistake. Had my card since 2004 with never a late payment. Balance had been at 0 many times. Always paid more than minimum when there was a balance and my payment had just posted that day. I called Discover and after many transfers was told that they had closed my account because they discovered that back in 2008 I had filed bankruptcy (my balance with them was 0 at the time). They never informed me, just closed it and sent to collections! They said it was policy and basically, too bad.
Now, that will show up on my credit, when I have worked hard to re-establish my credit again over these years. NEVER AGAIN. The debt collection people offered to reduce the debt and since I was going to pay Discover off in a few months, I will now pay it all off to the collection agency. BEWARE.
I missed the July 2 payment due to temp illness and loss of timely control of my accounts. Once you review my account you will see I am never late, always early with payments exceeding the minimum by 3-5 times the minimum amount. I request respect to this missed payment.
If we are not able to reach an agreement to adjust my credit history with Discover, I will request my cash back bonus to be applied to balance and I will pay off the entire amount to account ending in **. I will keep the card but the use of it will be minimal if at all. If I do not receive acceptable results the balance of $1811.93 minus the bonus of $35.32 will = $1776.61. This will be mailed the day I hear your reply. If my account does not warrant your interest then we part ways.
Signed up over the phone with Sightly. They advertise small business. Sightly is a scam. They sell a service they don't provide as a one month trial and charge your card every month. No one answers the phone and they fight you at the credit card company. Discover was contacted the second month of these charges. They put it in dispute, then they say that Sightly has presented proof of terms and conditions. They will not consider a recurring charge as fraud.
Anyone who gets your card number can charge you as much as they like according to the Discover representative. Discover calls this a recurring charge and it is your problem to sort out with the merchant. In Sightly's case not answering the phones makes this difficult. Hundreds of others have the same problem with this company and it is all over the web. Discover couldn't care less. Discover fails at fraud prevention.
Unfortunately I do not have any of the customer's contact info to contact them directly to try to resolve this matter.
I'm sorry to hear that your experience with our service was not satisfactory. We work hard to get great results for all our local business clients and are disappointed when one is unhappy.
We create and manage local video and mobile ad campaigns for thousands of very satisfied clients every month and we understand every business is different. We also know local business owners and managers are pulled in multiple directions each day. They may not always have time to spend on marketing. We try to work closely with them, especially in the beginning of the program, to make sure things get set up right.
Then, depending on many factors like how competitive the industry is and where the business is located, results can take a little time to gain critical mass. Of course, we try to manage expectations but it's understandable most people want instant results. That may not be realistic for some businesses.
But one thing is for certain, we are here for one main reason -- to help local businesses get leads and customers. We bend over backwards to deliver results to our clients and we are proud of our team and their track record.
We tightly manage what our sales representatives say so as not to mislead prospective clients and our many thousands of happy clients would attest to the effectiveness of our program. But despite best efforts, you can't always please everyone. Dissatisfied clients can always contact me at Ryan@sightly.com and I will ensure we will do everything we can to resolve their issues to their satisfaction.
VP of Operations
SALT LAKE CITY, UTAH -- I used my Discover Credit Card on 6/29/12 to retain the services of a merchant. He took my card and requested my signature for the $1000 retainer. I signed & we proceeded to draw up a "services agreement". On 8/10/12 an email from Discover Card notified me of additional new account balance due of $3000. The charges made by the same merchant were uninvoiced/unauthorized & alarming because the credit limit on my Discover Card was not high enough to accommodate the charges.
I phoned the merchant to refute the charges & remove them from Discover Card. Office staff were unable to help and advised the merchant would get back to me the next day. For 4 days I attempted to contact the merchant & on each occasion was given a different account of the merchants' whereabouts. With increasing alarm, I contacted Discover Card by telephone & letter on 8/16/12 to alert them to my problem.
Much to my shock Discover Card increased the credit limit on my account thereby accommodating the merchant's charges. In spite of my attempts to resolve the issues with the merchant and submittal of supporting documentation to Discover showing inaccuracies on invoices, Discover refuses to remove the charges.
Discover's actions in this matter have shielded the merchant from normal responsibility to justify charges and have made Discover an accomplice to the merchant's unsavory business/billing practice. I'm stressed and exhausted and need HELP! Never before experienced lack of protection & partiality to merchant.
SALT LAKE CITY, UTAH -- I have been a Discover card holder since 2001 while enlisted in the United States Air Force. They have been quite helpful in the past, until a slew of recent events involving Discover Card and their account managers have put my relationship with them in serious jeopardy. I understand I am among thousands that have had issues with them and I know that my problem is no more important than the next person. Discover card has led me on, they have called me a liar, and they have charged close to $200 dollars to my account in which they refuse to refund.
Allow me to elaborate, back in Sept. 2009 my vehicle was broken into. I lost close to $3000 in personal belongings as well as my personal banking information. I called the police and opened an investigation as well as received a police report. A couple days later I closed my bank account and opened a new one. I had my Discover Card account set up to debit money monthly out of my account. After closing my bank account I started to pay Discover Card through my new account manually because I knew they could no longer be paid through my old one. For about 4-5 months I paid Discover Card $50 a month until I got my life back together.
I was never late on payments during this time. Around mid to late December I realized my account balance was going up not down. I knew something was wrong because I was paying almost $20 over the minimum payment. What I found out was that Discover Card was accepting my $50 payment and then charging me a $39 returned Check fee because they were attempting to debit my closed bank account. I called to explain to them what was happening and they handed me off to several different people who were all unwilling and seemed in no way interested in helping me.
I explained that this was a screw up and that my records show that I have been paying monthly and that they were still trying to debit an account that was closed. I simply asked that they refund the money from the Return Check charges. They said for me to pay $90 dollars and to call back once I did. So on the 8th of January I paid as requested and about a week later I called back. I explained that I had done what I was asked, now I would like to get my money refunded. They quickly started to hand me off to different account managers that all said they could not help me.
During all this they made it very clear that they did not believe my story. I was pretty much called a liar. I have a police report and I can get any information they require from the bank but they were not interested. They took my monthly payment then proceeded to charge me a $39 fee for returned check because they could. In no way did they attempt to call or inform me of any problem. I was treated very disrespectfully! I was called a liar, and after 2 hours of phone calls and a letter to Discover Card they refuse to help. They have absolutely zero integrity as a financial institution and they treat their clients/patrons like dogs.
I was given the address to their complaint department because they don't want to take phone calls from angry patrons to whom they rip off. In my letter I again explained to them that all I want are my fees refunded to my account. They sent me a letter back saying that they received my letter and that they are missing information, they wanted me to call back so they can get the required information to complete their investigation.
However, upon calling they informed me that the only reason they wanted me to call is so that they could tell me that they will not be assisting me with my problem. So again they misled me to believe they were willing to help and again they showed their true colors. The only thing that will resolve this issue is a refund of all fees taken from my account from Sept. 2009 to Feb. 2010.
Let me preface my review by stating that until this incident, I had been an advocate of the Discover card. I was laid off in February of this year and hadn't secured employment. In April, I contacted Discover regarding my account to see if there was any assistance they could offer regarding my monthly payment. The representative I spoke to was quite helpful, or so I thought at the time, and advised me she could place a "freeze" on my account, which would not allow me to use my card for 6 months, and pay a lower interest rate so more of my monthly payment would go towards the principle.
Since I am a firm believer that if something sounds too good to be true, it usually is. I asked and verified several times that if I did this, after the six month period the card would then automatically be reinstated without penalty. I ended the phone call on this premise. Time past and in September I thankfully acquired employment. I contacted Discover to let them know I no longer needed the account to be frozen and was advised by the representative to just ride out the six months at the lower rate. I was again reassured the account would be reinstated at the end of the six month period.
I waited until November which was the end of what I thought was the six month period and contacted Discover regarding to make sure my account was reinstated. I was advised I had to wait until November 30th exactly because that would make the exact six month mark. I did so. When I called Discover back, much to my dismay, I was told they would not be reinstating my account and it would remain as suspended. I went back and forth with the representative on the phone who advised me during the time my account was frozen, policy and procedure had changed and they reviewed accounts and individuals credit reports prior to reinstating them.
The representative stated I had too much outstanding debt and Discover would not reinstate my card at this juncture in time. All this despite the fact that I had no issues paying the same monthly payment I had always paid, had never been late on a payment, and had an account in good standing with them for close to ten years. I requested to speak to a supervisor because it is my understanding that if a new policy or procedure is set forth, it cannot be backdated or applied to issues that existed prior to the implementation of the policy. Also, I was never told of any review or redetermination at the inception of my agreement with the initial representative.
I was told the supervisor was out to lunch and I would have to wait up to 24 hours for a call back. I did so, and when the supervisor called me back I simply got a reiteration of what the representative had said. No consideration, no assistance, nothing. Even when I stated I was seriously considering either closing my account, or seeking legal assistance, my statement was met with indifference. I still don't understand how they can implement and apply a new policy without notifying their customers.
As I stated to both the representative and the supervisor, if I would have been told at the beginning that my account was being suspended and I would have to be subject to a review at the end of the period to determine if my account could be reinstated, I would have NEVER agreed to freeze my account as I was told initially. It is a shame that in today's society, we are so dependent on credit, credit rating, credit worthiness. We are gravitating more towards a money-less society each day without realizing the implications it brings with it.
I'm not sure how, if at all, this review will help anyone. All I can say is wary, be very wary of credit card companies. These are my three cents.