NORTH CAROLINA -- I feel cheated on how my payments are applied. I have 3 different loans and they applied all my payments to the balance that will be expired on 08/2017 (over 1 year to expired) leaving me to pay off the entire balance of $9700 before August 4, 2016 (one month to expired). This NOT what I was told when I requested the loans.
They make everything possible for customers to pay interest and that is BS. I talked Janet, a Discover supervisor on July 11, 2016 with ID ** but she didn't want to do anything to fix the problem. She rather close my accounts before she do anything for a customer like me who is being with Discover for YEARS. What Discover is doing is unethical and should be changed. They should applied the an equal payment to all different loans or to the oldest one. After I pay all my balances I will close my personal and business accounts and I NEVER want to receive anything in my mail box from Discover!
ILLINOIS -- I had a Discover Card. Paid ON TIME and then they DOUBLED my minimum payment. They were "helping" me pay down my balance. I could NOT pay a DOUBLED minimum amount. I was paying the minimum but don't think you are helping me by doubling the amount. I told them since they are asking an amount I can't pay... I would be filing bankruptcy, and I did.
BRATTLEBORO, VERMONT -- Paid off my card a few months after my promotional zero % period ended about 8500 bucks. TWO DAYS LATER they slashed my credit line to 500 bucks with some lame story about my having too much credit extended on other cards which is untrue. Credit history shows same amount over the past ten years. No notice mind you... In the run up to the holidays which is why I paid it off. So much for customer appreciation. I will never use this card again. Moral of the story: If they don't get to ** you with interest you'll be ** by them and Discover just how happy the relationship actually is.
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.
SALT LAKE CITY, UTAH -- When I was living in US, Discover had been consistently sending me advertisement about their cards. Although I was already happy with my current credit cards, I thought I could give Discover a try in July 2010. The result? I was really offended by the disturbing experience Discover representatives threw at me. Their incompetence forced me to sacrifice valuable time and other goals in a pressed schedule (so pressed that I had to travel and slept in a car outside to meet schedule), only to make a successful payment to Discover.
So here was how it happened. After I used Discover card for a while, I needed to move to Canada, so I used IP relay service to call Discover (as a hard hearing person without landline at home, IP relay was the only communication method for me with Discover) and required an address change. Suddenly the relay operator told me the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online. After my account was locked, I immediately contacted Discover security department to verify my identity.
I informed the Discover representative, **, that I couldn't hear sound so I couldn't pick up their call. ** insisted that their record showed they had spoken to the cardholder so they would still go ahead and call back. Well how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore it is either this Discover representative was a liar, or the representative was unprofessional and didn't know what she was talking about. I was still willing to give Discover another chance.
Several days later I successfully verified my identity with next representative, and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what, they locked my account again, despite my effort to verify my identity a week ago. On next day before I departed from US, I told a Discover representative, **, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later.
I had to explain to ** again about my disability and I couldn't pick up phone call. She just said she couldn't continue the call and hanged up disrespectfully. At the time I was completely done with Discover. So the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away.
When they don't like answers from cardholder or feel their ego is invaded, they treat the cardholder like a thief in rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And does Discover realize that if the cardholder is ACTUALLY moving to another address, by refusing to change address, they are putting the cardholder at the risk of exposing information to next renter at the previous address?
They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot, lot of work to do at that time, and when I was very sick and coughing painfully. How their fraud department handles fraud is absolutely ridiculous and laughable.
My VISA and AmEx card companies politely changed my address without any problem, hence I concluded Discover service is trash and I will not do further business with them. No wonder VISA, MasterCard and AmEx are still the mainstream while Discover is still a nobody-Care Credit card company, along with their uncivil and backward representatives. DON'T USE DISCOVER.
LEVITTOWN, NEW YORK -- I was informed that I was alerted by emails, mail and phone calls. Emails and mail is considered junk mail to me. But a phone call would have alerted me that there was an issue. They would not waive $28.71 late charge, so I paid off my amount and happily closed my credit card account and bid "farewell" to Discover after years of being a consumer. Hope the $28.71 was worth it for them. :)
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 identity 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 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!
My wife lost her job and it was becoming difficult for us to make our Discover Card payment. I called them and the customer service representative told me that we qualified for a program where they would close the account and have an agreed upon amount automatically taken from our checking account on a designated date each month. They reduced our annual interest rate to 7.00% annually. The representative enthusiastically told me that as long as we made these payments on time each month, we would continue to qualify for this reduced interest rate.
Money was tight with the loss of my wife's income, but I made sure that this bill was paid on time each month because with the interest rate being so reasonable I could see our balance lower each month. In fact, the Discover Card representative told me that if we stayed on program the balance of our Discover Card in five years. To my surprise, when I received my January 2010 statement it indicated that only a minimum payment was due, which was less than the amount I'd agreed to pay on on the repayment, and the interest rate had increased to 29.99%.
I thought there must be some mistake so I called Discover Card. After being transferred four times to four different people, the only answer I was able to get from Discover Card was that this program was only for 12 months, that their representative was incorrect when he said that I would be eligible for this reduced interest for the next five years. The only suggestion was that I call a credit counseling agency. They made absolutely no effort to live up to the promises they made me when I enrolled with this program.
The U.S. economy is the worst it's been since the Great Depression, millions of American have lost their jobs, house foreclosures and bankruptcies are at record levels, but Discover Card doesn't care about this - they just want to make sure that they collect their "loan shark" interest rates. Credit card companies are "organized crime". I've had a Discover Card for over 25 years. I feel like I've been duped. I will never give them my business and will recommend to everyone I know that they do the same.
Chase Bank and Well Fargo set me up on similar programs to repay our credit card after my wife lost her job.
Guess what? I'm still on these programs, they getting paid a reasonable rate of interest on the credit card balance, and I'm watchin' the balance go down each month. It's too bad that Discover Card is so greedy, that they won't let their customers continue with this program during these trying economic time. Don't do business with Discover Card they have no integrity and don't live up to the agreements they make!
GLENDALE, CALIFORNIA -- My mother-in-law has been a loyal Discover Card holder for over 23 years and has never been late, not once. Recently, she received a letter that her interest rate got bounced up to 25.99% from 12.99% because of the economical crisis that Discover is experiencing. My mother-in-law is on a very low fixed income from her Social Security and barely gets $800 per month to live on. Also, due to a flood of her living space, many of her papers were destroyed, including her April 2009 Discover statement, so she thought. So immediately Discover charged her a $40 late fee... her balance is less than $1000 and she has a $18,000 limit.
So my wife called Discover on behalf of her mother and pleaded with customer service to reverse the fees and lower the interest rate and they said that if she make the payment by phone for April and May 2009, then they might reverse the late fee only after the payment is processed and then my mother-in-law needs to call to request the reversal herself (she hardly speaks any English), but there is no promises or guarantees. As for the interest rate, there was nothing that Discovery can supposedly do.
So basically, Discover is trying to rectify the money they are losing from the poor economy by charging their perfect to nearly perfect customers more than twice the interest rate, and not showing any loyalty back to their clients that have a perfect record. What kind of Customer Service Oriented Financial Institution is this? It's a Rip off and the CEO David Nelms is responsible for everything that happens with the company and its financial supporters - meaning its customers.
DISCOVER CARD IS A RIP OFF, THE CUSTOMER SERVICE SUCKS, AND THE CEO IS SCREWING EVERYONE THAT IS A CUSTOMER. This is far from being over and we will pursue justice on behalf of our mother until the CEO David Nelms gives an answer himself!!!
I was solicited by a Discover Card Representative to make a balance transfer. Her come-on was that the balance and related purchases to the offer would be interest free for the life of the balance with a defined % monthly retirement. She had stated that the conversation may be recorded for quality control so my son also recorded and witnessed the conversation. She basically said that she had checked with her supervisor and after my requesting and reconfirming Discover's offer of 0% for the life of the balance and related purchases, I agreed to the transfer conditional on the exact terms and conditions which were offered.
Now as you can guess Discover has refused to honor the terms of the transfer and they are playing the game of misapplying payments to interest charges. Via certified mail I have disputed their interest charges and have sent them a copy of the recording of the transaction with their representative and an affidavit by my adult son, clearly setting the terms and conditions at 0% for the life of the balance and related purchases.
They have ignored the issues of the dispute and are attempting to bully me into accepting their after-the-fact changes to the terms and conditions of the transfer. (No Discover representative has called me who has read the dispute file, listened to the recording, or who has the authority to resolve the matter.) I have discussed this with my attorney and he feels that with the recording and having a witness, if negotiation fails I will have strong grounds on which to sue Discover for Fraud, Breach of Contract, Bait and Switch as well Defamation of Character.
Also I have discussed the matter a Federal agent who thinks that Discover and their officers may have criminal liability under the RICO Act. I just wanted to put this information out to allow other Discover victims to know that there may be future civil and criminal litigation aimed at putting a major dent in Discover's wallet, which seems to be the only thing they care about. (Wouldn't it be nice to ask Discover Card, "what is in your wallet?" and they had to say, "nothing since we lost the law suits".)