Discover Card Complaint - Just Wow
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 payed 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 laughing stock of a company doesn't get another red CENT from anyone out there.
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