Discover Bank / Discover Financial Services
reviews and complaints

When I purchased a rug that started bleeding pink dye all over after taken to be professionally cleaned and both the manufactuer, Thomasvile, and the store said they would not do anything about it. I decided to go to Discover and use the purchase protection policy since it was I within 90 days from purchase I submitted all the documents, statement from the cleaners and pictures requested . After dragging me along for over 4 months they said it is a he said, she said case and sided with the store. Their "purchase protection" claim is a joke! You will be stuck with any defective item you buy with that card! Do not believe on their claims to protect you and your purchases. They will always side with the store no matter how obvious your documentation is! Card has been cancelled!

I found this website by chance to obtain credit for those who have bad credit. I paid multiple fees to get this card. I had read a complaint soon after about this company using Discover's name along with Martrix. (but I hoped I would not have a problem). What I am about to write is similar to the complaint the person wrote. I closed the account after four months so I wouldn't have to pay a fee of 75.00 for the 2013 New Year. I still had a balance. But the account was closed and I could not sign into the website . I called and asked 'why can't I sign in', I was told because the account is closed. I asked how than am I to know what the balance is and I was told the would give me the balance over the phone. I asked the customer representative ' would you accept that as an answer' and he said 'no'. I asked for a paper statement and then I was told because I elected not to receive paper statements (to save five dollars) I could not get one. I said 'are you kidding'? I was put on hold so he can ask the manager if he can send a paper statement. He came back to let me know the paper statement would be sent out. It has only been a week and I sure do hope I receive it. Is this matrix business paying a fee to Discover to use their name ? It is bad business and tricks people by thinking that it is a discover promotion. It was really too good to be true and would had been really nice if there is some help for those who cant have a reasonable card but that is not the case. Another thing, this company was emailing me letting me know statement was available when the account was open. I sent an email to inquire the above . I also added at the end of my email 'please don't let the complaint I read to be true'. What I received was 'email failed to be sent' . Why? because my account w/my email on file is closed? Even if an account is closed and there is a balance I should be able to access the account.
This is a bad business.

BEWARE! Before you accept Discover Card as payment for your product or service know that you may not get paid. Here is our story.

On 8/6/12 our product was delivered to our buyer prepaid with a Discover Card. On 8/25/12 (20 days after delivery) the $1850 cost of the product was taken from our account without notice. Reason given was for non-delivery. On 9/18/12 after collecting and providing Discover with signed proof of delivery from a commercial carrier, we were told that their decision would stand. Again, not until 10/16 12 we were told to provide proof of delivery which we did again on 10/22/12. Additionally, we contacted the buyer who also notified Discover that they had in fact received the Product. It is now 12/11/12 (four months after delivery), and Discover refuses to give us our rightful funds. We have been defrauded out of our money. Feels like the banks are going direct for their next bail out and bypassing the government. We accept credit cards from other companies and have never had this happen before. With Discover Card it is the second time (we won the first dispute with them). As a result we have suffered bank fees, and additional expenses nearing an additional $1, 000. Now we have to hire an attorney to sue our buyer and Discover to get our money. MERCHANTS BE WARNED, AVOID DISCOVER CARD!

I purchased air line tickets with expedia.com through shopdiscover. . I found out air tickets are not valid for the 5% cash back bonus. There is a statement in the website. But it is not right under the words earn 5% cash bonus. That is cheating, we all know expedia.com is primarily for air tickets. But it is excluded. It is tricky and misleading. So be careful for this tricky company. You have to read all the details of whatever they offered in details or you will be sucked in by this kind practice.

In September of 2011, I submitted to Discover Card that I needed copies of my personal information. The law states that they must provide this information to me, and that they must keep copies for ten calendar years. I am being audited, and I am physically disabled. Discover Card has refused to provide me with the information I have requested, and last week, Nov of 2011 they told me the information I requested was sent out to me on Oct 17, 2011.

The postal service in the USA delivers mail within 5 business days. I have received nothing from them, and it is now Nov 8, 2011. There is no excuse. They are afraid that they may have to get legally involved, and they are refusing to obey the law and provide me with my personal information. I suspect they may retalliate to this by increasing my interest rate, which is already too high. Their interest rates have my balance at close to 75% of my annual income already. I need help dealing with them.

I am disputing the charged from Google Furniturestore of $147.56 out of $192.71 since they only refunded my money $45.15. Who would want to be charged for something he/she never received the product/service? The reason I want my money back is because the seller/merchant didn’t give me the product. Discover didn't want to credit back the charged with the reason that I don't have the "proof of return." How could I give them the proof of return if there is nothing to return because simply I had never received the product. They should ask the seller for the proof of delivery/receipt that I received the product.

Below is what happened:

I ordered 3 chairs online and proceed the checkout through Google Checkout. The merchant called me and indicated that I need to order an even number of chairs. I agreed to purchase an additional chair, and asked them to charge the chair plus a $50 assembly fee to my credit card. On the first 3 agreed-upon delivery dates, the delivery did not arrive at all. I missed work on each of these occasions. On the first and third of these dates (1/28 & 2/1), the seller cited weather as the reason; on the second (1/31), no excuse, they simply did not show up. On the date of the first canceled delivery, I received a separate delivery from a different furniture company (so the weather was not bad enough to prevent them from delivering). The building in which I live requires that all deliveries arrive on week days during business hours. I am attaching a series of e-mails I wrote to the building manager, arranging each of the delivery dates with the building. This should serve to dispute the seller’s claim that I never intended to receive the delivery (a ridiculous claim!).

On the fourth attempt (2/7) I had a telephone conversation in advance with the seller, specifically and emphatically requesting that the deliver be made no later than 9 AM, since I had a 10 AM doctor’s appointment and needed to leave by 9:45 AM. The delivery was attempted after I left. The delivery person called me when I was already at the doctor’s office, asking me why I was not there. At this point I indicated my desire to cancel the order on the phone, which the seller refused to do. The seller intentionally did not inform me that I need to cancel through Google Checkout. And, I didn’t know that I had to cancel the order through Google Checkout because I have never had to cancel any order with other merchants that I proceed the checkout through Google Checkout.

So, I decided to give it one final chance. We agreed to schedule the delivery for the fifth time on Friday, Feb 18 @10am. This time I asked my friend to wait at my place since I could not take any more time off from work. This time the delivery arrived. However, the seller asked for cash to pay for the additional chair, plus the assembly fee, which as I mentioned earlier, I asked them verbally to charge it to my credit card. Since my friend was not prepared to pay cash, they took back the chairs and left.

Finally, the seller agreed to cancel my order, but not before charging a “restocking fee” that turned out to be $147.56 out of $192.71 (76.6% of the price). This because I was not willing to continue taking time off from work to accommodate the fact that they did not deliver on 4 separate occasions. I was shocked to read their explanation that I never intended to purchase the chairs or accept delivery.

My building manager and my doorman can verify that I was awaiting delivery on the agreed upon dates. The last paragraph of the seller letter response said, “From starting this dispute we understood that he is making the order cancellation and we are sending his money back with a minus all of our expenses that we spend to cover his capsize which he agreed before to perches form our store. This will include deliver expenses, Googly’s transaction, the extra chair that he ordered by phone, the assembling charge, parking space in ….” How could I be charged the extra chair which I never received and the assembling charge which they had never provided?

I applied for a Discover More card, and was denied. I called Discover to question the decision. I also checked my credit and found that both my Equifax and my Transunion credit reports had been requested by Discover.

I was to discuss my application with someone, because I felt that it was unfair to be denied credit based on my Equifax which had not been updated for the month of October.

I wanted someone to explain to me why I would be denied because of information on my Equifax report, if you checked the Transunion and it showed the correct up-to-date information.

The reason for denial was high utilization of credit, which was shown on my Equifax report. But if the credit analyst had taken a look at the Transunion report it would have shown my correct balances and that I have paid down a lot of debt.

The person I spoke to on the phone was very rude, and did not make me feel very comfortable discussing such personal information. I was patronized on the phone and did not appreciate being talked to like an idiot. I actually spoke to three different people on three different occasions and all of them treated me the same way.

For this reason I will not consider Discover in the future, I had hoped to take advantage of Discover products but now will never consider the brand. I have credit cards with Barclaycard and have found them to be much more reasonable, and very understanding on the telephone. I feel like Barclaycard is a company I can depend on for my financial needs, and their customer support is fantastic.

Take a leaf out of Barclaycard's book, stop treating potential customers like idiots. A customer with little credit history now may be very good customer in the future.

I am very responsible with credit, and I take my finances very seriously. When my credit has aged and I have a high credit score, I will remember the companies that were willing to give me a chance.

My credit limit was reduced from $5000 to $500 or near to the amount that I have my current balance in over a year.

I was planning to use a balance transfer check Discover sent to me a few days back to pay off my other credit card with higher interest rate. That is, after I pay off the current balance to ensure that the credit limit covers the balance transfer fee with no maximum.

Discover said because of my high credit/debt ratio. I explained that I am in between jobs and would need this balance transfer check to pay down debt quicker. I even sold all two of my cars in the past two weeks to get my loan and credit card balances eliminated or lowered.

After explaining my life story, however personal questions that I felt that was unnecessary and took a lot of my time, the new credit limit still in effect.

Please restore my original credit limit to $5000.

Thank you.

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 their 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:

1. 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 is 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?

2. 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.

3. 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, et cetera...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 Discovers 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, et cetera...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, ta make a smaller payment, as long as I am paying on my bill every month?!

4. 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 persons pursuit of liberty, freedom and happiness) my States Attorney Generals office (In Georgia where I live and was the initial crime took place), and also with The States Attorney Generals Office in Utah and Delaware where this company runs it's 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 and I hope someone out there can help me see this goal thorough. If a lawyer reads this and can find any kind of a loophole, and help me sue Discover Financial Services, please contact me, I can't pay a lot but I would make it worth an attorneys time, if we could sue Discover Financial Services, achieve my desired outcome, and hopefully even have a case which gains negative media attention for Discover's unscrupulous practices.

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.

Beware of Discover's offer for 0% balance transfers. I was aware that there is a charge for balance transfers. However, I was surprised to learn that my minimum payment would be approx. 2% of the amount owed plus $40. I never encountered, on any credit card that I have, a $40 charge in addition to the 2% of the amount owed. Speaking to customer service reps or supervisors is talking to a wall. I was told that I was sent literature on this, but I did not receive it. And, by that time, the transfer most likely already went through. I am on a very limited income. Although I make more than the minimum balance on all my cards, it should be my choice if I decide to make the minimum only, should in that particular month my real estate taxes, car and /or home ownes insurance is due and I need that extra money. When you are on a limited income, $40 is $40. I can see where people get disgusted with banks and stop paying altogether. However, I end up paying for them in the end. And, so do you!

Ac # F594241952
I am disputing this account because I have never owned a discover card. My wife Betty Praylow, who is deceased, or my son Ralph Praylow jr. had access to my ss number to make these accounts in my name. I have never used a discover card and never owned one.
I am requesting that this debt of $7, 448.69 be removed from my name.

I have received an offer from the DISCOVER Card Services in February 2011. They offered 0% APR for 15 months, $0 set-up and maintenance fees for the life of the card. They also offered in their letter $100 reward as soon as I make $1, 000 in purchases within 3 months on my account. I called the DISCOVER on the [protected] from my Brooklyn home on March 31st and I made a contract with them. I got $2, 500 credit line. They tried to convince me to sign up for their payment protection plan. I refused them. A week later I got my card, set-up my online account and made $1, 000 in purchases. Weeks passed and when I checked my online account on May 16th I was unpleasantly surprised when I saw a $49 Annual Fee charge on my card. I called them in order to inquire about the charge and only the third customer representative, a supervisor, could answer to my questions. She told me that someone decided at the DISCOVER card services, after the contract was made over the phone on March 31st, that I'm ineligible for their offer and as a result -without my approval- they decided to alter the terms. They just “forgot” to let me know about the changes. I was told that I had to pay $49 Annual fee and I cannot get the $100 reward even though I made the $1, 000 in purchases and paid the balance. I had $0 debt. I was told that they could cancel the $49 Annual Fee if I close my account within a few days. This was a typical case of bait and switch! I was mad as hell! I was supposed to get $100 reward from them however they want me to pay for them $49 a year! How ridiculous is that? I cancelled my card in a heartbeat! I will never make another contract with them! How can someone trust a credit card service company if it alters the agreement without letting know the customer about the changes? DISCOVER Card Services is like a SCAM ARTIST. STAY AWAY FROM DISCOVER!

Been receiving harrassing phones calls from a collection agency, CBCS accusing me of owing Discover Card a balance of $7266.00. The person that was being accused lived in TX. The problem, I've never been to nor have I ever lived in the state of TX. Finally, CBCS I hoped realized there was a serious mistake being made. Today, March 9th received a notice stipulating they stopped their collection procedures on this account and they were giving it back to Discover Card. They did however suggest that I submit three forms of identification to Discover. I say, let Discover Card contact me and send proof that this account is mine.I just they think because I'm a Sr Citizen easy prey, intimidated and manipulated in compliance with a fraudlent scheme to distord money. This is what it's esp when you do not owe what you are being accused of. Do figure.

Do not give them your money !
They can transfer the money via ACH to their account when you open it. But when you close the accout, the ACH transfer is limited to $50K per month to external account outside Discover. It took them 2-3 business days to close an account (not including fund transfer time). They asked me to fax a letter to request closing my account, so I did. But 24 hours later when I called again, they could not find my fax.
They are a mess. Do not do business with them.
Your money will get stuck with them.

I was appalled to find out that the cash back bonus calculations of Discover is inaccurate. I signed up for the travel and restaurents 5% cash back bonus program for 2011 Jan-March season and noticed that they have not paid the 5% bonus for a $5000 airticket purchase I had made for my family. When I contacted the service person on chat, they casually mentioned that its my fault for not checking the cash back bonus all these days. Beware of this scam and dont trust Discover to provide your cash back accurately...

Discover made a balance transfer offer to us at 0% interest for six months. Very nice. Took one for $1500 at Xmas time. The remaining balance was paid in full every month. I did not notice until this month that there had been an interest charge made on the new monthly balance, which as I said gets paid in full each month. Come to find out unless you pay off your entire balance, INCLUDING THE 0% balance transfer amount, they charge interest on EVERY new purchase from THE DAY IT IS MADE. My husband bought a new computer this past month so the balance was higher than normal, but we still were planning to pay the entire balance off, except for the 0% balance transfer. So what good is it to accept their 0% balance transfer? So lucky me, I was getting 0% interest on $1500 but having to pay 12.9% interest on all my other charges of over $4, 000 with NO GRACE PERIOD. They do not warn you of this practice when they offer the balance transfer. It is only after the fact, in small print after interest has already been added to your statement. So even if you are able to pay off your purchase balance every month DO NOT ACCEPT A BALANCE TRANSFER FROM DISCOVER. I called to complain and the agent agreed that it was not a fair practice. I think she was surprised when I told her the details. But of course no offer to credit my account was made.

I am a reservist who was recalled to extended active duty. My status clearly qualifies me for protection under the Servicemembers Civil Relief Act. I sent Discover Card a copy of my orders and other documentation they requested within the required time period. In fact, I sent my orders on five separate occasions. Each time, I received a boilerplate response from Discover with an excuse why they did not have to comply with the law.

On two occasions, I received a response that my reserve service (which was active duty -- I worked alongside my regular Air Force counterparts and put myself in harm's way just like them) did not qualify, and/or that only my husband could get protection. I wrote back each time, explaining they were making an error in law, and providing my orders once again.

Now the statutory time period (180 days) for filing for protection has expired, and they are denying my request on that ground. When I called to explain that I had already sent my orders in a timely manner, I got connected with a very hostile customer service supervisor, who pretty much blew me off.

I give Discover Card a D- for how it deals with servicemembers. Discover -- shame on you for not following the law.

I received an offer from Discover Personal Loans in the mail saying I had a superior rating of 5.0 and could apply for a personal loan at 7.99%. I was denied the loan because of high cc balance (I only have 1 cc - that is Discover) and was attempting to use the loan money to pay off (completely) the Discover cc. This is truly a scam when I can't even pay off their own credit card with their own personal loan (seems like the same thing, only they don't get to change the high interest rate).

My elderly father had his credit cards stolen by a home health aide caring for him. On her 1st day working my father let her use the Discover card to buy some groceries. She returned the card the same day. She later stole the Discover card as well as 2 other cards and used his personal info to get a password over the phone. She withdraw over $1200 on the Discover card and my father was never alerted by them. Now Discover won't cover the loss because they said my father let her use the card on his first day out of the hospital.

I HAVE BEEN A DISCOVER CARDHOLDER FOR MANY YEARS AND PAY ALL MY BILLS ON TIME.I DID NOT RECEIVE MY MONTHLY STATMENT, WHICH TOTALED $11.99. THEY HAD SENT IT TO THE WRONG ADDRESS.THEY SAID ONCE A BILL IS RETURNED THEY NEVER SEND ANOTHER BILL. DUE TO NOT RECEIVING MY BILL, I MISSED THE PAYMENT. THEY SENT THIS INFO TO THE CREDIT BUREAUS AND IT ADVERSELY LOWERED MY CREDIT SCORE BY 85 POINTS.

THE LATE FEE WAS $19 AND MY BILL WAS $11.99. I CALLED CUSTOMER SERVICE AND WAS TOLD THAT DISCOVER CARD DOES NOT HAVE TO SEND YOU A BILL, IT IS YOUR REPONSIBILITY TO PAY IT. THEY HAD NO UNDERSTANDING AND SINCE I HAVE ALWAYS PAID THAT BILL AND ALL MY BILLS ON TIME IT IS SO UNFAIR THAT THIS IS GOING TO RUIN MY CREDIT FOR 7 YEARS. THEY WERE SO RUDE AND TOLD ME THEY CAN"T REVERSE IT BECAUSE THEY ARE NOT AT FAULT. THEY WON'T TAKE ANY RESPONSIBILITY AND THEY ARE THE ONES WHO SOMEHOW SENT IT TO THE WRONG ADDRESS. I HAD A VERY RUDE CUSTOMER SERVICE AGENT. PLEASE BEWARE AND DON'T LET SOMETHING LIKE THIS RUIN YOUR CREDIT- WHEN IT IS NOT YOUR FAULT.