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Bait and switch promotions or incompetence? BEWARE
Posted by on
Rating: 2/51
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
     
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Discover Card Ripoff!! Bait and Switch!!!
Posted by on
Rating: 1/51
SALT LAKE, OHIO -- I was given an offer that if I spent 3000/month Aug-December 2013 I would get a 500 reward. I called periodically to make sure I was on track for each month. Always happily told I was on track. Come end of December, after I have spent over 15,000 on their card, now they tell me they have no record of "signing up" and there is "nothing they can do."

1) Why do they structure their program with all these confusing sign ups--signs ups for this and that. I believe I did sign up, but even if I missed...

2) They got the benefit of the bargain--over 15,000. What normal business would get what they were after from a customer and then not come through, paperwork details be damned? Assuming they actually cared about their relations with a customer, that is.

3) The whole purpose of the promotion was presumably to get customers to use their card more. Not only will they not achieve that goal with me, they will get a counterproductive result as I will cancel the card.

4) Supervisors pretend they have no authority, or worse, they are chained to ridiculous corporate policies that require treating customers like crap.

I have no room for ridiculous people or organizations in my life.

They use confusing and proliferating sign ups to rip off customers! That is their business model!
     
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Discover Closed My Current Account And Sent It To Collections
Posted by on
Rating: 1/51
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.
     
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Do Not Apply For A Discover It Student Card!!!
Posted by on
Rating: 1/51
TEXAS, TEXAS -- Do not apply for the Discover It Student Card! They do not have standards for approving or denying applications.

My twin sister and I will both be college freshmen in the fall. In order to start building our credit history we both applied for the Discover It Student Card. We applied on the same day with virtually the same information. Neither of us have had credit cards before. We worked at the same grocery store for the same amount of time. We have the same address, birth date, etc. Essentially, in the eyes of a credit card company, we have identical credit histories. My sister’s application was approved. My application was denied due to “insufficient credit history.” They claimed that I had to get a co-applicant.

I called the supposedly “stellar” customer service, and I was transferred from department to department. I was forced to explain my situation repeatedly and still no one was able to give me a straight answer as to why my TWIN sister with the SAME credit history was approved while I was denied. All the representatives refused to review my application again. They just kept saying I had “insufficient history” and needed a co-applicant. They refused to tell me why my sister didn’t need one even when I had her authorize them to provide us with the information. My father has had a Discover card for a while, but needless to say my entire family is leaving Discover for good.

I gave this card a chance because it’s supposed to be the best student card out there. Instead, I got horrible treatment and evasive representatives who don’t care about potential customers at all.
     
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clutzycook on 2013-08-17:
It could be anything. Did she apply for a student loan and you didn't? The two of you could look up your credit histories for free at annualcreditreport.com and see if there's something there that you didn't realize.
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One Missed Payment. My Fault Due to Temp Illness.
Posted by on
Rating: 4/51
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 [snip]. 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.

Sincerly Ronald G. Robinson
     
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DebtorBasher on 2013-07-13:
Have you called and talked with them? Most likely they will not see your complaint here. But, I have found that with an outstanding payment history as you have, most banks will give you a courtesy fee waive. But, you have to ask them for it. They've done it for me because I had a good payment history with my credit cards. Most credit card companies are allowed to give one or two courtesy waives of fees within a 12 month period. Just call and ask them, without being nasty or demanding (because they won't do it for people with attitudes, not saying you...but people in general). Let us know how it turns out. Good luck.
trmn8r on 2013-07-14:
This "complaint" will not be acted upon by Discover, even if it is seen (unlikely).

You really are in no position to state terms, as you violated your contract. Credit companies generally do not "credit" cash back accumulations that have not reached a threshold to a balance. Those not redeemed are lost.

I pay my balance in full every month. If you are carrying a balance and you miss payments, it is bound to make the creditor nervous. Good luck.
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Fraud Prevention Failure
Posted by on
Rating: 1/51
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.
Company Response 05/28/2013:
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.

Ryan Borders
Sightly, Inc.
VP of Operations
951-225-7000
Ryan@sightly.com
     
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trmn8r on 2013-05-25:
It sounds like your complaint is with Sigthly, not Discover.

Sightly evidently provided what Discover believes is proof that these charges are authorized by you. That is part of the process of challenging a charge - if Sightly had not presented this proof Discover would likely have sided with you.

IMO it is time to pursue Sightly.
John Nicholson on 2013-05-25:
Send Sigthly a certified letter cancelling the service. If they continue to charge you each month, dispute it with Discover and provide Discover a copy of the cancellation letter. And, if Discover does not take care of the erroneous charge make sure you don't pay it. Never pay something you do not owe, but in your case they are saying you did not cancel within their time limit---even tho they appear to make it difficult to cancel at any time. Never a good idea o sign up for something over the phone when they call you out of the blue.
jones528 on 2013-05-29:
I was told by the Sightly Sales rep that this was a one month set up and that they would contact me a show me the additional calls and click through advertising they were providing prior to any additional charges. Then when I got the Discover statement the next month I immediately called Sightly and Discover I was informed that they had installed two charges for two months additional service at that time $600. There is a delay between receiving your statement and the the current charges. I placed the additional two months charges in dispute at that time. I contacted Sightly by phone 6 times over the next few days and left messages at each call. I followed up with Discover a week later and at the Fraud prevention reps insistence I logged into the Sightly account and activated it and found the deactivate page and deactivated it. This was not supposed to be a recurring charge unless I authorized it. I accepted the initial trial as my mistake for $299 the three calls I received were from people looking to buy shingles not people looking for a roofer. The Fact that I was advertised as a material supplier I take as my fault for agreeing to anything over the phone. The fact that when I caught Sightly charging my account repeatedly for $299 without my authorization and Discover deciding that as it was a recurring charge I am liable. Sightly provided a terms of service doc that I was not made aware of and is the opposite of the sales reps speech, and a generic screen shot with my company name and a bogus number on it. Apparently you are liable for any merchant who decides to charge your card for services not rendered. The Discover rep Specifically stated Fraud is a stolen Card. Recurring charges are not Fraud and are the Consumers Problem. Users beware. That Sightly is a Ripoff artist is a moot point. If they were an honest company they would resolve issues. They have my account info, Email, Phone number and a discover file that they are fighting me over paying. Look Sightly up. That Discover does not provide Fraud prevention for any charge other than stolen Numbers is my complaint and the central issue. If I get your card number I can repeatedly charge it and then provide Discover with a Terms of Service document Saying it is your responsibility to contact me a month prior to me stopping charges for any service I decide to charge you for.
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Discover Facilitates Unscrupulous Merchant Charges
Posted by on
Rating: 1/51
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.
     
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Obsfucation on 2013-03-06:
I had a similar experience with Discover, where the agent actually told me 'we are not going to get in the middle'. I dumped them and never looked back.
Old Timer on 2013-03-06:
Three words: Small Claims Court.

Based on what you have posted it sounds like a slam dunk case (for you).
trmn8r on 2013-03-06:
What you describe sounds like a standard dispute, whereby you notify your credit card company that you challenge the charges. Then the credit card company asks the merchant for proof they are accurate. Unless Discover is exempt from this procedure, which would be surprising.

What kind of services was the "services agreement" for, and were the additional charges argued by the merchant to be the services in the contract? It sounds like the company that acted unscrupulously was the merchant.
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Rip-off artists of the elderly
Posted by on
Discover card set up automatic debit payments for my 83-year-old mother. She recently suffered a stroke and became disabled, and in an attempt to keep up on her bills, we sent a check for $100, not knowing that Discover card would automatically debit her account for the entire balance. I called and asked for the check to be returned but was told they would hold on to it for 6 months. This was not acceptable, so I stopped payment on the check. The next month, they charged us $25 for this. In addition, I have been trying to stop the wallet protection debited from her checking each month. I have written, called, threatened, and done everything I can think of. We received a letter stating that she was no longer "allowed" to be in the automatic debit program. Imagine my surprise when today, a fee for $27.99 was automatically debited from her checking, and that with a 0 balance! This company preys on the elderly and steals money. I am certain she will never see this $27.99, but I'm wondering how much they will be taking next month. People: do NOT authorize automatic debits from your checking account. DISCOVER CARD PEOPLE ARE THIEVES WHO WILL GET THEIR MONEY IN ANY WAY THEY CAN, WHETHER OR NOT IT'S ETHICAL OR HONEST.
     
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Slimjim on 2011-02-18:
The payment they debited from the bank can be either stopped or reversed, depending on how quickly action is taken. I would get proxy from your Mom and do so with her bank. In addition, be sure to put Discover as an unauthorized debtor so they can not touch the account in the future.
MotleyCrueGuy on 2011-03-15:
Slimjim - banks usually can't block a single debitor from an account - they typically have to block the whole account.

Is Discover in the wrong? Yes, but it's more of a paperwork/logistics reason than outright intent to steal anyone's money - automated payments are VERY difficult to stop because of the way they are processed.

You're much better off "pushing" payments (as in authorizing it yourself) than giving them access to "pull" payments automatically/*-
Bill Johnson on 2013-06-17:
Discover Card also rips off its’ investors and even the taxpayers. They got themselves labeled a bank in 2008 to get TARP money. Instead of cutting expenses and acting responsibly, they decided to start sending 53 of their employees on trips to Key West twice a year, Las Vegas, Aspen, Miami, New York, Hawaii, etc. every year since. They are called the Local Markets group, and get paid to travel at least once a month to pretend they are putting up Discover stickers! The management knows this is happening, and won't stop it. They are still traveling, partying it up, and doing nothing. Most take a friend or family along, most of them do nothing at all but travel and stay at home getting paid in between trips to lie around. Unreal in this economy! It is criminal!
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It Does Not Pay to Deal With Discover
Posted by on
Please be aware of the ill-practices of Discover. They are nothing but crooks disguised as a reputable company. I dealt with breast cancer last year and they put me in a six month program @ 3.99% and I agreed to have the amount taken directly out of my checking account.

What they did not tell me was that it was only a six month program, so when the 7th month came and they money was not taken I called them. They told me my account was past due and my interested rate jumped to about 18%. I have been unable to get any cooperation from them in terms of decreasing my interest rate.

I pay more than my minimal payment every month and I have been unable to make a dent in the balance. They are rude and uncaring. Please do us all a favor and don't do business with them and tell everyone you know the truth about Discover, they are nothing but crooks.
     
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getoverit on 2010-12-21:
Probably, what Discover did was not crooked and was completely acceptable, according to the terms of your credit card agreement with them.

But that doesn't make it smart because people know what is fair and reasonable. People also have better things to do than read all the fine print in those credit card agreements that they weren't given until after they applied for their cards and got them activated in the first place.

I dropped Discover card because they kept calling me to offer all kinds of balance transfer deals and special rate gimmicks with whom knows what kinds of strings attached. But when I had a need for some short-term financing and called them, they couldn't be bothered.

It's not a good company to do business with.
trmn8r on 2010-12-21:
It sounds to me like Discover did you a favor if they only charged you 3.99% for 6 months. Where can you get that? Unfortunately, your situation hasn't allowed you to "get ahead" of your debt. I try to not have any balances carrried over each month. I hate paying anything more than 6%.
ihatediscover on 2011-07-29:
Been a member since 1993 - Just informed that rate jumping to 27.9%. Never late. Discover is hateful! Transfer you balance and cut up your cards. Someone tried to warn me, and I didn't listen... big mistake. But I did have $3.57 cashback available. Are you kidding me?
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I've Discovered I'm Better Off Using Visa or Mastercard
Posted by on
SALT LAKE CITY, UTAH -- This year I decided to do my holiday shopping online with my Discover card. On Monday, I made about 5-6 purchases totally about $250 on Amazon.com & they all appeared to go through. Mind you, I wasn't even close to my limit, which is $1,000. On Tuesday night, I received 5-6 emails from Amazon stating I needed to re-enter my credit card info. So I did & they appeared to go through just fine. On Wed. a. m., I went to the grocery store and tried to purchase some food w/my Discover card. It was declined. I called their customer service - and they told me a fraud alert had been put on my account, they agreed to remove the fraud alert right away. They didn't phone or email me, even though they had this info. on file. I asked them why purchases during the holiday season (in small amounts) that were shipped to my street & billing address were declined. I had to go back into my Amazon account & re-enter the credit card information for each purchase. So now it's Thursday, 12/16 and I get home from work tonight to find 6 new emails from Amazon - yes, Discover Card declined my purchases AGAIN. I called Discover & they told me their automatic fraud detection system was sensitive to the activity on my account (Hello? Six purchases during the Christmas shopping season?). So now I have to try to go do my holiday shopping this weekend, when I have absolutely no time - and am starting from scratch at the last minute, all thanks to Discover. Of course, I won't use my Discover card at the register because I'm afraid of setting off their overly-sensitive fraud detection system - and I'll be embarrasssed in public when the cashier says, "It was denied"! So why bother having a credit card when they don't let you use it? Their fraud detector would probably cause problems when traveling or on vacation, as I can only imagine how badly it would react to charges coming from another country! I'm closing this account - they are ridiculous & their customer service reps kept reading scripts to me, which only served to anger me off more. They kept telling me their fraud detection system was for my benefit, but if it prevents me from actually using the card when I need it, how is it beneficial to me. So how is that good for me? I've discovered I'm done with Discover.
     
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trmn8r on 2010-12-16:
You mentioned the possibility of using the DC outside the US, and my understanding is that it is not as widely accepted as it is here.

The fraud detection system is obviously to benefit both you and the bank. 6 purchases in a row from the same website might very well trip it, but they should call you (I have had this happen). Sounds like they sent emails. Perhaps they have "automated" the system and send an email in lieu of calling. This is bound to anger customers such as yourself.

I'd dump them also.
Anonymous on 2010-12-16:
I had this happen with my BoA credit card. It isn't just Discover doing this. It is VERY embarrassing and no matter how they feel it is protecting me, they cannot remove the humiliating experience of being declined. I pay my bills on time so that I never have to feel that way but they find a way to zap you anyway. Funny thing is, when my card has had fraudulent activity, it was never caught! They only catch me using it. Go figure!
trmn8r on 2010-12-16:
incredible -> I'm one of those people who doesn't get humiliated by this kind of thing. For me the annoyance is the inconvenience, but it has only happened a couple of times and was promptly handled. Like you, MY activity tripped it.

But THEY called ME. This business of sending emails - I don't like it.
Anonymous on 2010-12-16:
They didn't send her an e-mail. They didn't tell her anything. AMAZON sent her the e-mails that her card was rejected.

The last time it happened to me, I was in the middle of TRYING to be flirtatious. MORTIFIED was I...
Anonymous on 2010-12-17:
I would be pretty agravated too if I was the OP. It should have been straightened out the first time around, so they wouldn't be denied anymore. I can understand protecting people from fraud, but when its causing more headache than helping people, then something needs to be done.
Nohandle on 2010-12-17:
There's a great deal of difference in what the OP experienced and what I did. I received a call from Chase-VISA about the possibility of fraudulent charges. One cent, two cents and then the whopper. I hung up and called the number on the back of my card. Yep, the call from them was for real and the account was shut down immediately. I received a new card in the mail within a week.

Is the solution here not to give the banks our email addresses, only telephone numbers? It might not bother some of you but I would be embarrassed if my card was declined and I had no clue.
Anonymous on 2010-12-17:
I've had that happen nohandle and I had no problem with it. I think that is exactly how they should handle it. They need to call and give you a heads-up that there may be a problem. They have done that in the years past but now they just deny you at the point-of-sale. It's an abominable practice.

Note: The credit card company did NOT e-mail the OP, the vendor (Amazon) did. The credit card company was silent.
trmn8r on 2010-12-17:
It may sound odd, but I view it as a courtesy when a credit card company rejects my purchase in an effort to prevent fraud. They are very friendly when they call, and make it clear they are looking to prevent fraud. It has happened in person a couple of times, and in both cases the CSR called the CC company on the spot and handed me the phone.

incredible -> excellent point. I missed it when the OP said they had to reenter the information - obviously not an email from the bank. My bad. I'd move to a new card provider.
Anonymous on 2010-12-17:
That's just it trmn8r, they don't seem to do that anymore. They just deny you. I went to CompUSA some years back to buy some small things and I was enticed by a new $1200 laptop. Before you know it, it was in the cart. I checked out and went home. Well, I left it in the car and just took the small bag in the house. My husband was in the kitchen and he said, "Where's your laptop?" I said, "Ummmmm...huh?" He said, Citibank called and wanted to check out a $1200 purchase at CompUsa. He said, "Hmmm...that sounds like her." And he indicated that he knew there wasn't $1200 in that little bag so where was it? Lol. I was mad at them at the time but I appreciate them looking after the security of the account. What they are doing now, not so much so.
momsey on 2010-12-17:
LOL, that's a funny story, lee!!!

I'm not one to be humiliated or embarrassed when my card is declined. It would be horrible, however, if I had no other options to pay.

Discover definitely should have called you, you shouldn't have had to reach out to them.
Nohandle on 2010-12-17:
I consider it a courtesy as well but would be embarrassed if a card was declined in public when I had no idea what was going on. A line behind you and your card is declined? With me, I received my new VISA card, activated it upon receipt and gave it a try at the vet's office the next day. The receptionist understood what was going on, no line, and the transaction went though nicely. I knew I was good to go with the few times I use a CC.

What's the solution? I personally appreciated the call and felt that was not something I wanted to be surprised with when I received my monthly statement or on using my card.
trmn8r on 2010-12-17:
incredible-> That's a hilarious story. Love it. I don't like hearing that you believe it is a trend to not call now.
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