Over 6500 dollars in fraudulent charges appeared on the Discover Card bill over two months. Discover card never made an attempt to contact the cardholder about any suspicious activity and when the first bill appeared was notified that they were fraudulent and told to cut off the card. Instead additional charges appeared on the next bill and Discover card insists that they are the responsibility of the 82 and 85 year-olds whose names are on the card. Discover has never heard of the concept of customer service and is taking advantage of elderly people with this action. That falls under the definition of elder abuse.
FAYETTEVILLE, NORTH CAROLINA -- I decided to call on my credit card companies due to the virus, because at work hours are being cut, they flatly said no. Always paid my account on time. Credit card companies are Actually working with consumers, but this company refuses to work with their customers.
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!!!!!!!
Discover card will not work out a reduced payment plan. Over the last few years I had major surgery, was out of work for 8 months, and had physical restrictions for one year at work. The company I work for was later sold and a 5 year pay freeze has occurred with no future increase. At this point I joined a debt settlement law group to work with paying off my credit cards. Discover refuses to negotiate with them or even me. I was put into collections soon as the debt settlement group contacted them.
It's an endless circle with Discover. They will not accept or negotiate a lump sum payment (that is available at this time). They will not even contact me to negotiate. My other credit cards are working with the program. I am an older person with mild disabilities - where I still work but lose about 4 intermediate days unpaid a month. Help!!!
ONLINE -- Discover IT hounded me & practically stalked me to take their invitation to apply for their card & I blew them off for a year or so. I decided to finally take their invitation, entered the invitation code, and applied. Within minutes I got a message stating I was approved, what my CL would be, & to expect my card in the mail "soon." I received no confirmation of this in my email, phone, or physical mailbox. Come to find out, Discover didn't even run my credit & the only thing I got from them today in the mail was ANOTHER INVITE!
There's no card coming. They don't even know what I'm talking about yet I'm looking right at the "Congratulations You're Approved for a Discover Card" with my credit limit listed right on that page right now! What a waste of time & nerves. That is all a red flag warning sign for being disorganized & dishonest. I'll pass.
I have made numerous attempts to get charges incurred over 7 years for a protection program I did NOT sign up for. They gave me back 2 yrs worth which they also accepted responsibility. Now that I won't go away after a little money given back they are blowing me off. The latest service advisor I spoke with was **. Before that **, then supposedly her boss **. I have never been treated like this and as a small business owner and a legitimate long time customer who pays all his bills, I am now angry!! They do not care!! I am going to continue to review any site pertaining to discover card that I can.
Some people may not be able to pay for the scammed fees for a protection program. As it is it's tough enough for me. Discover card is going downhill and I hope to have a better update as I am quick to give praise to those who do what's right.
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.
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.
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 **. 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.
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.
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.
VP of Operations