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!
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. That's 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 you're digging yourselves 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...
I too was a loyal Discover Card user until recently. Back in Feb. 2009 I called Discover up and requested a lower interest rate. I cannot remember my original rate but my friend had a lower rate on his Discover Card and I have a good repayment history with them so I thought I would ask. My wish was granted, it was lowered to 13.49%, not awesome but better than I had before. Then about 6 weeks later I received a letter from Discover that my rate was going to increase to 19.99% and unless I closed my account this was just how it was going to be. Their reason was the current economy and their increases in the cost of doing business.
I reviewed my records and thought this must be a mistake, I have never been late or missed a payment and I used my card frequently, so I called them up. I asked the representative how doing this could be good for their business because I will be closing my account and I would imagine chasing the good customers away would not improve their profitability. I got some canned response and she did not even try and get me to change my mind, or talk to a supervisor to see if they could reconsider, nothing.
It was very clear to me that this is not the type of company I care to give my business to so I promptly wrote a letter to them requesting they close my account and I transferred my balance to another credit card. I realize I may have just hurt my credit score by doing that but I was angry and not willing to put up with their bullying ways. Consumers need to fight back, those of us that still have a home and a decent credit score have to fight even harder today to keep it. I am tired of our government and our creditors trying to force us to pay for the mistakes of others. Spread the word, save your friends and relatives from predatory companies.
Truth be told, my first gripe with Discover goes back to an offer for a consolidation loan that they only offer to their top members with great payment history which I chose to accept but was then denied for. I'm not a big fan of soliciting an offer then not being able to deliver when the offer is accepted. Despite the earlier disrespect, I was willing to give Discover Card another opportunity to keep my business. I recently came into some money that allowed me to repay ALL revolving debt and as of now I am debt free, save for my monthly house payment.
I paid my nearly 5,000 balance (including all new charges) prior to that month's statement closing date and thought that would be the end of it. After all nearly every credit card I've EVER had has worked under the same terms, pay in FULL prior to statement closing date and pay no new Finance Charges. So imagine my surprise when I came home today to find a statement from Discover in my mailbox asking me for $109.16 in finance charges.
I sat through the 20 minute menu of Discover's automated system before getting one of India's finest (to his credit, at least I could understand him and he could understand me) to explain to me just what the score was. He explains that the fact I just paid 5,000 prior to the statement closing date (as had it been after, I'd have at least somewhat understood) meant nothing and these finance charges were actually BACK charges.
By this point, I'm not even going to argue. I simply go straight to the jugular, "Let me pay you and close my account." The customer service representative on the other side tells me to hang on, he's looking into something; which I assume is going to be a concession of some sort to keep my business in these troubled times. God knows I've given enough concessions in MY business to keep my customers happy and coming back each month, despite being "right".
As it turns out after a short hold he simply reaffirms my request to pay and cancel. I advise him, "yes this is what I'd like to do", though he'd do well to redeem my 25.19 in Cashback Rewards towards this final payment prior to taking one red CENT from my account. He advises I only have 20.00 available for redemption, so now this 109.19 dollar bill has just become 94.38. Fine, process the payment and I'll just forget the 5.19 I've "earned".
Bottom line is I'm disgusted I've ever done business with this company. From this day forward I will make it my life's mission to do everything I can to make sure this laughingstock of a company doesn't get another red CENT from anyone out there.
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.
David Nelms, CEO
Discover Financial Services
2500 Lake Cook Road
Deerfield, IL 60015
Phone Number : 224-405-0900
SALT LAKE CITY, UTAH -- We took out a loan with Citibank for my son's freshman year of college. My son ended up dropping out for medical reasons. We set auto payment through Citibank and first payment was late. They reported us to credit union. Shortly after Citi sold loans to Discover Bank. We made our payments on time and in July of 2012, we decided to pay down the loan. Bill said amount to pay and we spoke to an agent to get full amount. We made the total payment we understood to be the payout amount.
Now in October we started getting numerous calls from an 800 number, which everyone knows are either sales calls or someone annoying. They finally left a message and I called them back. Evidently we owed them $270 more because interest was continuing to rack until they received our full payment. No one left a message or sent a bill and we thought this loan was paid. The harassment at all hours of the day and night was relentless and unbearable. We felt that it was not fair to come after us for such a small amount when we were not told about it until now.
We said we would not pay it so the operator threatened us with credit report and that the so-called account would continue to accrue interest damaging our credit and that they would continue to make phone calls until we paid this small amount. These banks sell loans to each other and you have no choice in the matter. The operators at Discover are trained to harass, coerce and say anything to get you to pay what they say you owe. This experience was a nightmare and dealing with them was like dealing with automated airheads who say they will do an investigation of all taped phone calls only for another uniformed operator to call back within the hour.
DO NOT use Discover for any banking, loans or any financial transactions of any kind. They are incompetent idiots and worse the poor people who they train to harass you have no power to help you. Additionally, no supervisors were ever available. I highly recommend against getting involved with this institution, or do it at your own peril. HORRIBLE!!!!!!!
SALT LKE CITY, UTAH -- An agreement was reached in a telephone negotiation for debt settlement on the account of myself (the client). In that agreement I (the client) agreed to direct electronic payment which has been in effect for at over a period of years to this point. In addition several additional payments have been made outside of the agreement to assist in a rapid settlement of account.
Upon receiving statements with an interest rate of 28.99%, I (the client) phoned several times to negotiate a no interest applied rate to decrease the payoff time of the debt. I (the client) was informed this would be only possible based on past good faith practices (PRACTICE PROVIDED) and as myself (the client) would be receiving an adjustment to interest on further statements. This was stated in conversation with two separate reps at Discover and presumably approved. This was a proposal offered in original agreement, if good faith payments were applied, a no interest payment plan would be considered.
I (the client) find these practices to be unclear to either your staff or organizational levels of understanding as to authority, to grant conditions or modifications of agreements, all while offering assurances to clients actions are duly noted and applied to account. FRAUDULENT and/or IN-APPROPRIATE. For a considerable amount of time I (the client) am receiving an interest rate posted at 28.99%. I (the client) request or demand by clients rights, that the account be researched for participating reps, recorded conversations, call communication logs, notations to account, etc. seeking proof of conversations and actions as promised.
It is expected this matter will be researched and resolved immediately. I (the client) await your immediate findings as I (the client) believe Finance Center reps have violated the truth, of individual authority to negotiate, approve, rectify or modify agreements on these matters. Letter submitted three times, NO RESPONSES. This letter forwarded to CA State AT&T Gen Offices and FDIC. NO HELP, NO ANSWERS. They only back Banks, not consumers.
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 embarrassed 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.
Their website messed up apparently in the middle of me scheduling a payment for a month later. A payment went out the wrong month and overdrafted my bank account. I called immediately when I saw it and even my bank. My bank charged an overdraft fee to which they gave me it back and Discover of course couldn't get payment so I was returned my funds. Little did I know from no one telling me anything that it would go in again for payment. As soon as I saw it I called them and the person said it will go in 2 times and if not paid the money will return to you.
Well of course my bank charged an overdraft fee again to which this time I couldn't get it returned. The woman at my bank said it wasn't their fault, to go after Discover since it wasn't authorized, she said most companies will send it 3 times. I said, "You're kidding," the woman I had talked to said 2 times. I got home and called the bank and asked to do a stop payment on the thing, since I was getting overdrafts from them and already $35 in the hole with the bank because of Discover's tricks.
I called Discover to complain and see about getting my overdraft fees returned to me since my bank wouldn't. Well Discover wouldn't and she said, "We send it up to 3 times," I said "I was told it was 2 times," she said, "No it's 3 times." So I said, "Now my bank will slam me for $70 for you idiots sending in a 3 payments in a week's time when I clearly don't have the money in there this month for it."
I called my bank back and asked about doing a stop payment, I said, "I am getting slammed with fees from you because of them." She put it in and waived my fee, so hopefully I don't get slammed with another $35 fee from my bank, I just checked my account and the payment is trying to process. I am sooooooo sick of Discover, once my balance is paid off, that's it. No more Discover for me. (I have been a customer since 1995.)
ILLINOIS -- For a long time, I have noticed charges to my account that I cannot explain. They are automatic payments to companies. It started out with just one company, then later there was another company doing it too. I would call the company to try to find out what these charges are for or to try to cancel whatever it was, but they would tell me that have no record of me in there system (no account for my name).
I finally got fed up by all these weird charges and called Discover card to tell them I wanted my account closed. I no longer wanted the account, and I no longer wanted there to be any more charges to my account. I understood there was still a balance on my account that I would have to continue to pay on. That was no big deal. My concern was terminating this account so there could be no more weird charges. The customer service person gave me some BS about how they could dispute the charges for me. I told him I wasn't interested in doing that. I just want my account closed. The guy said he took care of it and the account was closed.
A few weeks later, I receive a new statement and guess what? Those weird charges are there again and it doesn't appear that my account has been closed. I now send an email to customer service to find out what's going on. They email me back to say that my account was never actually closed, but now it's closed. I call customer service after viewing this email to complain and to dispute the most recent charges. It was my understanding that my account was already closed, so I shouldn't be responsible for any new charges. The account was supposed to be CLOSED.
This guy gives me the run around and tells me that it is closed now, so it's no big deal. Except that they're holding me responsible for those new charges. He transfers me to some billing dispute department where I'm put on hold forever. I finally get fed up and hang up the phone. I've had Discover card since I was in college, since 1999. So I had this card for 10 years and this is how they treat their customers. I wouldn't recommend this card to anyone.