FESTUS, MISSOURI -- I have been struggling with my finances for years due to some personal situations and multiple surgeries. My credit was hit hard when I was out of work for a couple months after my last surgery and I ran out of savings to keep making payments. It took me forever to find a credit card that would accept me, but once I found one that would I had to put down a $400 deposit. I ended up building my credit up enough to apply for Discover a few months later. I went with the Discover Cash Back Rewards card, had to put down a $200 deposit, and I received my card a week later.
Now let's get to the part that made me want to go out of my way to write this review. I have had this card for roughly 6 months. I've made every payment on time and I kept my credit usage way below 30% (I'd say on average 15%). I checked my balance today only to notice that they increased my credit line from $200 to $2000 dollars!!! I was in shock to say the least.
I've been working so hard to build my credit, pay off my medical debt, and finally have a little more financial security. Seeing that made me feel like all that work was worth it. And to top it off, shortly after seeing the increase I received an e-mail from them congratulating me on my responsible account management and the credit line increase, along with stating that they are sending back my original $200 deposit.
This is the best customer service I have ever had from any financial institution, especially when it comes to credit cards. If you are looking to build your credit, I highly recommend this company. I'm unsure of what credit score is needed, you may have to first get a secured card with a high deposit like I did. But after you build up your score and show you're capable of making payments on time with low credit usage, then this is the primary card you want to go for. 10/10 for customer service and restoring credit.
LOS ANGELES, CALIFORNIA -- I was fortunate. Approximately 3 years ago when my ex-wife was divorcing me, Discover Card at that time put a freeze on my account with no interest or late fees. As soon as the divorce was over I contacted Discover Card and told them I would like to start making payments. This was a little over 2 years ago. I also asked them if I could one day start using my card in case of an emergency. I was told by them that as I continued to keep up the payments I stood a good chance of reinstating my account.
THEY LIED! I just got an email stating they were closing my account. I have been faithful in paying them between $160.00 to $167.00 a month. And this is how they reward my loyalty. The system of banks and credit cards comes to economic slavery! I realize it is a choice to apply, but greed ends up being the master.
PENNSYLVANIA -- Absolute crap. I was told after my application was approved that I needed a "deposit" sent it for 500$ - this was AFTER I had the card and credit line approved. When I said no because that was not what I had applied for agreed to they closed the card and demanded payment for all charges immediately. Luckily I had that available and paid them right away but the customer 'service' so called was completely inept and gave me the hand-off treatment every single time I called. Gross mismanagement of customer trust. Never will ever have anything to do with them again!
CALIFORNIA -- I recently received three items in the mail from Discovery. 1 was a letter informing me that they were cancelling my Identity Theft Protection monitoring with no reasons other than to call the 800-number. The other two items I received in the mail were CREDIT REPORT ACTIVITY ALERTS for my Discover account. Both of these indicated a balance due of $22.00.
I called, inquired & was informed that they had to cancel my protection plan because my account was delinquent. I did my best to explain that I never received a bill and did not know I was late with a payment. I was informed that my bill was returned by the US POSTAL SERVICE so they had no way of contacting me. I reminded them that they mailed me three documents that I was holding in my hand through the mail so why didn't they resend the bill? Which they replied they can't since they needed to verify my address first. So of course I informed them that they sent me the three documents to my address that I have resided in for almost 20 years.
I attempted to explain that they are ruining my stellar credit history because they CLAIM that a bill was returned to them that couldn't be delivered??? Discover is ruining my credit history for an unpaid balance of $22.00, again when asked why didn't they simply send me another bill they said they couldn't because the original bill was returned! I have been steadily raising my credit score for the past 5 years and on my last report I was over 810.
NORTH CAROLINA -- I feel cheated on how my payments are applied. I have 3 different loans and they applied all my payments to the balance that will be expired on 08/2017 (over 1 year to expired) leaving me to pay off the entire balance of $9700 before August 4, 2016 (one month to expired). This NOT what I was told when I requested the loans.
They make everything possible for customers to pay interest and that is BS. I talked Janet, a Discover supervisor on July 11, 2016 with ID ** but she didn't want to do anything to fix the problem. She rather close my accounts before she do anything for a customer like me who is being with Discover for YEARS. What Discover is doing is unethical and should be changed. They should applied the an equal payment to all different loans or to the oldest one. After I pay all my balances I will close my personal and business accounts and I NEVER want to receive anything in my mail box from Discover!
SALT LAKE CITY, UTAH -- If you (for some retarded reason, i.e. you are just a contrary person, or you work for one of these financial institutions) do not agree with what I say about the devious practices of Discover Card below. Go read what this organizations says, about what are seemingly illegal practices, done in broad daylight... My name is ** and I want to start out by saying no matter what your personal opinion, Discover Financial Services is essentially a white collar terrorist organization, and they are committing acts of financial terrorism against millions of decent, responsible, hardworking, respectful, reasonable American citizens everyday in broad daylight.
These are much more than acts of financial terrorism though as they force people to lose their homes, to go without food, to not provide for their children, to postpone basic and/or urgent medical care, because Discover Financial Services has devised a system (and it is not very complicated to do what they do, and see how they do it) whereby they saddle a consumer with a debt that they cannot pay off. Some people will read this and respond as a minority of people have responded to my many other post all over the internet and say stuff like: "You should be more responsible", "You shouldn't have gotten the card", "You borrowed the money, just pay your bill".
I do not know if these people are just being contrary, playing devils advocate or actually work for financial institutions and are out there representing the other side. To people who say I should be responsible, I have paid every other bill I have ever had, in life, in full and on time, with NO ISSUES - so why not Discover? I have always paid my rent, my car insurance, my car payment, my utilities, my phone bill, my Internet bill, and all other bills on time and in full. Why not Discover, curious isn't it?
The answer is that I actually have paid my Discover Card bill. I have a credit limit of approximately $5,000 dollars, granted, I have borrowed this money from Discover over the 10 years I have held the card, but I have also paid the amount back in full at least 6 times (yes, $30,000 FOR AN INITIAL $5,000 LOAN, and they're not done yet). But that is not good enough for Discover Card - you see with Discover you don't simply borrow money and pay it back at a reasonable rate, this companies gets its claws in you and will not let go, until you have paid at least $50,000 for a $5,000 loan.
They'll get you with late fees, they'll raise your interest rate, and they'll get you with late fees by Moving your payment due date around (without notification), and then adjusting your minimum payment due (without notification). To the people who say, "You shouldn't have got the card", that would be like telling the 99% of Americans in debt to financial institutions, "You shouldn't have got a college loan, it's your fault", or "You shouldn't have got sick and got that medical debt" or "You shouldn't have got upside down in your mortgage", but No One got into debt on their own, or by playing by reasonable rules.
The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, lied to, cheated, robbed, swindled. A crime, many crimes have been committed, in broad day light but nothing is done because it is white collar crime, and many, if not all of these companies have bought political protection, like people used to buy protection from the mafia. No, I got a Discover Card with an initial contract at a low interest rate, and like many consumers, Discover Card found a way to more than double my interest rate once I charged money on the card.
I was one of the unfortunate, innocent, naive people who was solicited by Discover Card as a college student. This practice (of soliciting to college students) was recently banned, unfortunately I cannot be grandfathered into the ban.
I was a college student, it was over 10 years ago, and like many college students I needed a little help making ends meet. I did not (AS SOME COLDHEARTED PEOPLE OUT THERE LIKE TO SAY) splurge on frivolous items, like a big screen TV, or a game system, or a ping-pong table. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I do not buy frivolous things. I am a very responsible consumer.
Actual Complaints: Discover Financial Services - offers consumers one thing and then when they have you out there holding one of their cards and using it, they alter your contract. And this is something THAT HAS TO BE ILLEGAL, and I have only seen this with Discover Card. With any other contract I have ever been a part of I not only had to read and agree to terms, but I had to sign and initial the contract and if changes were made they had to be read and initialed.
With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (where is the proof I actually received the letter?) and mind you they will bombard you with letters, and NO ONE reads those letters and all the small print. But this is the important point, whether you got the letter or not, YOU AGREE TO CHANGES IN YOUR CONTRACT - BY SIMPLY CONTINUING TO USE THE CARD. So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store.
Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers? When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1).
This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much.
In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts. It's part of their business strategy - get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost, even when it means their daily practice of breaking (and apparently creating) the law.
Most recently Discover Financial Services decided to change (without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, etcetera... but Discover decided to change my payment due date. This led to me (as I am sure millions of other Americans) being late on my payment. (Oh Wow! LOOK, instant revenue for Discover Financial Services.)
As soon as I, and I assume millions of other Americans, went late on our payments via Discover's latest scheme, they generated 100's of millions of dollars in late fees. They hit me with late fees, and but, here is the genius of it, I have always paid well above the minimum monthly payment due. Say my minimum monthly payment due is $70 I was consistently paying $100 - unfortunately (Guess who else knew this?! Discover - THIS IS HOW WE ARE ALL PLAYING A RIGGED GAME!!!).
So I went late on my payment, because Discover decided to change my payment due date, without notifying me of the change, then they hit me with late fees (keep paying attention this gets amusing). They folded the late fees into my balance, which increased my monthly minimum payment due - and here is the kicker - my monthly minimum payment didn't go up $10, it didn't go up $20, it didn't even go up $30 (to $100 from $70) it went up $43, because Discover has my payment history right in front of them. And if it only went up $30, they wouldn't be able to catch me with late fees again.
When I went in to pay my monthly minimum payment and like most responsible consumers paid over the minimum ($70 and I was paying a $100), but it wasn't $70, and CONVENIENTLY it was OVER $100, because they KNEW I would pay $100, and they knew they DO NOT, and DID NOT adequately inform me or any consumer of these changes in payment due dates, raises in interest rates, raises in monthly minimum payments, etcetera. So they got me again... late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.
Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment. But it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?!
Finally, I have informed Discover Card that I am launching an all out campaign against them, via the BBB (which I am starting to think has been bought off by big business), the FTC, The American Civil Liberties (because I think the financial institutions inherently violate civil liberties, and generally a person's pursuit of liberty, freedom and happiness), my States Attorney General's office (in Georgia where I live and was the initial crime took place), and also with The States Attorney General's Office in Utah and Delaware where this company runs its criminal Enterprise.
(I am also going to talk to an attorney about bringing charges against Discover Financial Services under the RICO statute, as this is a criminal, racketeering, organization operating across state lines.) I am also out here filing complaints all over the internet at the many internet complaint boards, via Facebook and Twitter. I informed Discover of these intentions and now they are harassing me.
Specifically, now they will not correctly receive a payment from me. I just paid my October payment, over the monthly minimum, of course, on time, of course. REMEMBER I AM OTHERWISE A 100% RESPONSIBLE CONSUMER (except, apparently in my interactions with this illegal, fraudulent company) but Discover promptly sent me an e-mail on Monday saying I missed my payment again. When I contacted them, they said the e-mail was incorrect, and that I had made my payment in time and in full.
So I asked them to send me an apology and an e-mail containing the correction (correct info) and was informed that they could not send that via e-mail, they would have to send that via conventional mail. THAT'S RIGHT they will send you incorrect info through e-mail, but the correct info, can't do it. One more interesting/amusing thing - Discover Financial Services informs me that they do not have a complaint department?! What decent sized business doesn't have a complaint department?
I assume the Discover Card complaint department was so overwhelmed the company gave up trying to operate one, and they certainly do not care about customer complaints and this is one glaring sign of their disregard for customer service.
My Desired Outcome: I have said this to Discover Card numerous times. I simply want Discover to recognize that they have an extremely dissatisfied, angry, disgruntled, activist customer out here, that is much more of a liability to them than I could ever be an asset. And I want them to forgive my remaining balance (approximately $3,500) and send me a letter officially ending my relationship with their company.
Problem: I am extremely dissatisfied with this company. Solution: We both go our separate ways. That simple. It is like how every now and then a restaurant has to comp a meal. Well Discover Financial Services are going to have to comp my bill. I must reiterate that I am not trying to weasel out of paying my bill. The fact I have already paid my bill 10 times over. While Discover Financial Services tried to ignore this situation I will be out here fighting via every avenue imaginable until I find satisfaction and justice.
In closing Discover Financial Services is a White Collar Terrorist organization operating with impunity in the United States. History will look back on them as the criminals they are, and see the acts they have committed for the depravity, greed, ruthlessness, lawlessness, and as the treason that they are.
SALT LAKE CITY, UTAH -- When I was living in US, Discover had been consistently sending me advertisement about their cards. Although I was already happy with my current credit cards, I thought I could give Discover a try in July 2010. The result? I was really offended by the disturbing experience Discover representatives threw at me. Their incompetence forced me to sacrifice valuable time and other goals in a pressed schedule (so pressed that I had to travel and slept in a car outside to meet schedule), only to make a successful payment to Discover.
So here was how it happened. After I used Discover card for a while, I needed to move to Canada, so I used IP relay service to call Discover (as a hard hearing person without landline at home, IP relay was the only communication method for me with Discover) and required an address change. Suddenly the relay operator told me the call was terminated for a fraud reason. Discover then locked my account. As a consequence, I could not make a payment online. After my account was locked, I immediately contacted Discover security department to verify my identity.
I informed the Discover representative, **, that I couldn't hear sound so I couldn't pick up their call. ** insisted that their record showed they had spoken to the cardholder so they would still go ahead and call back. Well how could they have the record of calling me when I couldn't communicate through phone and never met them in person? Therefore it is either this Discover representative was a liar, or the representative was unprofessional and didn't know what she was talking about. I was still willing to give Discover another chance.
Several days later I successfully verified my identity with next representative, and confirmed that the request for foreign address change was indeed from the cardholder. After one week, I contacted them to change my address. I also kindly reminded them that I made the same request for address change last time. Guess what, they locked my account again, despite my effort to verify my identity a week ago. On next day before I departed from US, I told a Discover representative, **, about my situation. They refused to unlock my account (address change neither) and they wanted to call me back later.
I had to explain to ** again about my disability and I couldn't pick up phone call. She just said she couldn't continue the call and hanged up disrespectfully. At the time I was completely done with Discover. So the pattern I see here is if the cardholder requires a change to a foreign address, Discover locks the account and turns head away.
When they don't like answers from cardholder or feel their ego is invaded, they treat the cardholder like a thief in rude manner. This is especially true when they hear explanation that the cardholder can't receive call from Discover. And does Discover realize that if the cardholder is ACTUALLY moving to another address, by refusing to change address, they are putting the cardholder at the risk of exposing information to next renter at the previous address?
They also gave me a difficult time to communicate to them and make payment to the card, and I suffered from their rude attitude when I had a lot, lot of work to do at that time, and when I was very sick and coughing painfully. How their fraud department handles fraud is absolutely ridiculous and laughable.
My VISA and AmEx card companies politely changed my address without any problem, hence I concluded Discover service is trash and I will not do further business with them. No wonder VISA, MasterCard and AmEx are still the mainstream while Discover is still a nobody-Care Credit card company, along with their uncivil and backward representatives. DON'T USE DISCOVER.
ILLINOIS -- I had a Discover Card. Paid ON TIME and then they DOUBLED my minimum payment. They were "helping" me pay down my balance. I could NOT pay a DOUBLED minimum amount. I was paying the minimum but don't think you are helping me by doubling the amount. I told them since they are asking an amount I can't pay... I would be filing bankruptcy, and I did.
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 identity 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 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!
My wife lost her job and it was becoming difficult for us to make our Discover Card payment. I called them and the customer service representative told me that we qualified for a program where they would close the account and have an agreed upon amount automatically taken from our checking account on a designated date each month. They reduced our annual interest rate to 7.00% annually. The representative enthusiastically told me that as long as we made these payments on time each month, we would continue to qualify for this reduced interest rate.
Money was tight with the loss of my wife's income, but I made sure that this bill was paid on time each month because with the interest rate being so reasonable I could see our balance lower each month. In fact, the Discover Card representative told me that if we stayed on program the balance of our Discover Card in five years. To my surprise, when I received my January 2010 statement it indicated that only a minimum payment was due, which was less than the amount I'd agreed to pay on on the repayment, and the interest rate had increased to 29.99%.
I thought there must be some mistake so I called Discover Card. After being transferred four times to four different people, the only answer I was able to get from Discover Card was that this program was only for 12 months, that their representative was incorrect when he said that I would be eligible for this reduced interest for the next five years. The only suggestion was that I call a credit counseling agency. They made absolutely no effort to live up to the promises they made me when I enrolled with this program.
The U.S. economy is the worst it's been since the Great Depression, millions of American have lost their jobs, house foreclosures and bankruptcies are at record levels, but Discover Card doesn't care about this - they just want to make sure that they collect their "loan shark" interest rates. Credit card companies are "organized crime". I've had a Discover Card for over 25 years. I feel like I've been duped. I will never give them my business and will recommend to everyone I know that they do the same.
Chase Bank and Well Fargo set me up on similar programs to repay our credit card after my wife lost her job.
Guess what? I'm still on these programs, they getting paid a reasonable rate of interest on the credit card balance, and I'm watchin' the balance go down each month. It's too bad that Discover Card is so greedy, that they won't let their customers continue with this program during these trying economic time. Don't do business with Discover Card they have no integrity and don't live up to the agreements they make!