Discover Card Complaint - Unfair Charging of Fees
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 there 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 there true colors.
The only thing that will resolve this issue is a refund of all fees taken from my account from Sept, 2009 – Feb. 2010.