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Discover Card / dispute of charges

1 United States Review updated:
Contact information:

Ever been over-charged by a legitimate merchant for a legitimate purchase and had everyone fail to give you your money back? That' s my story with Discover Card and LetsTalk.com.

Discover Card nor LetsTalk are not interested in helping customers who have been over charged resolve the over-charge issue and I'm living proof.

Facts:
1) If they were they would have a process (their dispute process literally does not include over-billing by legitimate merchants having access to your charge card number)

2) Discover Card literally found the attached receipt photo to be completely acceptable -- where the merchant's receipt claims that $99 plus a -$99 credit = $99. Further, Discover Card fully endorses merchants who invoice, then re-invoice with this "bad math."

3) Discover Card will close your case -- no matter what evidence and no matter how well you present the case. The monkeys on the other end simply don't care. They literally cannot grasp the concept that I've been OVER CHARGED by the merchant on a product that I WANT and RECEIVED.

*** This simple dispute is literally not within Discover Card's typical dispute process. ***

I have spent weeks -- online and offline sending and re-sending communications to Discover Financial Services and LetsTalk.com that are very clear: First, I don't FIT in Discover's damn process box for disputes. Second, here's my problem: BEING OVER BILLED by a merchant. Dismiss, dismiss, dismiss.

Thanks Discover Card! Thanks for nothing. Hey, check out the attached receipt. What fantastic math!

Discover Card

Je
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Comments

  • Vi
      8th of Mar, 2009
    0 Votes

    Working on an employment history for myself, I somehow happened across a LOT of complaints about discover card. At one time, I worked in the customer service call center in ohio. After 16 weeks in a training bay and another month of side by side work with an experienced rep, i thought i had the jist of things there. now, I am SURE that since I worked there, things have changed, but had I gotten your complaint, my response would have been #1 to put ALL transactions from LetsTalk.com in a dispute status (assuming this was within the same billing cycle) #2 would have been to forward your account (flagging in computer system) to merchant agreements (to make sure the merchants records and the receipt you were given match and are correct in terms of the agreement between the merchant and discover card. #3 Qued your account for follow up, meaning that the day after your next bill prints, I get a pop up on my screen to go check on your account (we rarely EVER got time to do these, therefore the accounts were EXTENSIVELY noted so that our supervisor could do them if we couldnt.) Follow up would be checking for additional finance charges/over limit/late fees caused by the initial transaction, making an outbound call to you to ask if the problem had been resolved and if not, contacting a supervisor to resolve it. THERES NO REASON you should be getting the run around, and I surely hope it works out. The people on the other end of the phone are paid crap wages and treated like dirt, and i am POSITIVE had I been there and taken action on the account, it's likely someone woulda bit my head off there. The people who work there are just like you and me, normal folk trying to get by. Theyre trained extensively, but my god its more than any one person can master. (Why I QUIT after 6 months!) My advice to you is to call once again, but this time, once you are through the initial varification that you are in deed the card holder (a pain i know!) tell the representative that you want to speak to a supervisor, and that you have made many unsuccessful attempts at resolving the problem. If the person insists that THEY themselves help you and doesnt want to give you a supervisor, simply hang up and go at it again. At the time, the policy was if they ask for a supervisor, you find out WHY, place them on hold, and go get the supervisor. That simple. I hope it gets resolved.

  • Je
      15th of Mar, 2009
    0 Votes

    vikkiv123:
    You have inspired me to continue my fight. Thank you so much for taking the time to share your experiences and advice with me -- and anyone else coming across this discussion which already ranks high in the search engines. I was secretly hoping Discover Financial Services would discover it and contact me. Nope.

    I will be taking this issue up to higher authorities within Discover. Again, thank you so much!

  • Je
      15th of Mar, 2009
    0 Votes

    For those interested...

    Carlos Minetti
    Executive Vice President, Cardmember Services and Consumer Banking

    Harit Talwar
    Executive Vice President, Card Programs and Chief Marketing Officer

    These are the people who'll be hearing from me.

  • Pe
      26th of Mar, 2009
    +1 Votes

    Here is another Discover complaint for you. Not sure if the former employee can offer insight... I have been a Discover card holder since 1999. I have always paid my bill in full every month. So, you would think that I would be regarded highly. I receive a call from them today stating that they did not receive my check for the March payment. At first, I thought maybe I did forget... but alas, not the case. As usual, I paid the bill in full upon receipt. I contacted my bank to determine if the check had been cashed. When I spoke to the banking rep, she said that it had not been cashed and asked if I wanted to stop payment so I can send in another one. I told her to stop payment and asked her how much the fee was. She said, "Well this will be the 15th check to Discover that I have stopped today. There will be no charge." I asked her "What???????" She responded, "It really depends on the method of payment and how they cash it. Electronic payments go through quicker. In my experience, they hold paper check payments for a month. The cardholder calls us when they are balancing their account and see that the check has not posted against their account or when Discover contacts them because the payment is not in their system." I asked her why they would hold a check... and she says simply, "They can charge a late payment and increase interest rates." Do the checks every show up? She laughed, "Usually a week later after the customer has complained." AMAZING! To Discover's credit, they did try to appease me by removing the late charge. However, they wanted me to give them full access to my bank account. NO THANK YOU! I closed my account and told them to send me a bill. I promised to send them the cancel check information from my bank. This was the second illegal activity they have indulged in. See below.

    In 2000, Discover initiated an aggressive telemarketing effort to sell travel insurance, unemployment insurance etc. I would receive phone calls every 30 minutes from 7:30 am to 10:00 pm at night. The Discover employee would grow angry toward the end of the day especially since I always said "I am not interested.Please remove me from you telemarketing list." Finally, she said to me, "You might as well just say yes. I am going to call you until you do." I called the attorney general's office and filed a formal complaint. It turns out that Discover violated several laws with this practice. The AG office put a tap on my phone the following day and recorded 25 calls from Discover (1 every 30 minutes). After this undeniable and blatant disregard for the law and consumer confidence, they issued a court order against Discover which stated that they could not conduct telemarketing before 9:00 am or after 9:00 pm and they must remove my name and all phone numbers from their marketing program. (they had tapes with my repeated request to remove me from these lists.). The court also went so far to prohibit Discover calling me for any other purpose except for information regarding fraudulent activity on my account. I felt this would be enough to keep them in line. Now they've moved on to other unprofessional and unethical practices.

    It pays to discover your rights under the Fair Consumer Credit Act. There are other credit card companies that charge less interest and will offer a straightforward and ethical business relationship.

    To all of you fighting the good fight, carry on and good luck!

    A former Discover card member.

  • Ch
      16th of Oct, 2016
    0 Votes

    I have had the same problem with Discover. It was my 1st choice when it came to using the card. Why? They had great customer support. I ran into an issue buying an RV and luckily I used my Discover card because I always felt protected. I was fraudulently charged the incorrect amount by the dealership NorthTrailRV in Fort Lauderdale. They actually filled out 2 sales contracts and had my caregiver forge my name on all the documents. Overall my experience with them is what you hear about now and then on the Internet. I never thought they were to until now. So I filed a dispute with Discover. They actually sent in the 2 sales contracts. That's how I figured out what they did. Discover close the account and gave them the money. I reopened the claim and provided simpler but concrete evidence. The dealership just sent them the same thing and a close the case and gave it to the dealership. Now I'm on my last and final dispute. I don't know why I think anything's going to be different. I must be insane because doing the same thing over and over and expecting different results is the definition of insanity to me. If Discover doesn't take care of me on this on to stop using the card and let it slowly expire. Very disappointed

  • Xx
      4th of Jan, 2017
    +1 Votes

    @Charles Zander Hello,
    I am going through the exact same thing with Discover right now and I was wondering if you could tell me the actions Discover took when your dispute escalated to arbitration (final dispute)?
    Thank you so much

  • Ro
      1st of Feb, 2018
    0 Votes

    I have a charge on my account that I never received any thing for. from YelpincGift Chappone at 877-887-7815. Please credit my account for $150.00.
    Robert C. Pike
    card # ending in 0391

  • Ju
      23rd of Jul, 2018
    0 Votes

    Have been scammed by a company, thought it was a legit company have talked to most of the Discover Card personel to see if they will help with this problem sent them all the information that we have they stated that they would investigate what a joke they never investigated any thing the letter they sent me had all the information that we gave them verbatim word for word. We even sent e-mails addressed to the executive offfices I do not believe the head of the company ever received my complaints. The head of Discover is Mark Scarborough and the other one is Dennis Mitchell, have sent them all the information and have called to many times to number. We keep getting the person that runs interference for them his name is Nick Capretta he stated that we should have known after three days it was a scam really? Been trying to reach an agreement with them and was told that they will not work with me. This is has just been absurd.They do not help their customers with anything.

  • We
      20th of Aug, 2018
    0 Votes

    I have summited a dispute with Discover card and over40 days, they didn't receive any feedback from the merchant, I sent to them many documents and the merchant didn't provide any evidence and at the end they close the dispute for the merchant favor. however, when I asked the merchant to return my money back. they advised that you have a dispute with discover, and it has been closed to my favor.
    I sent same to discover, but no action, they said, the merchant should agree. they help merchant more than customers. because merchant has more business to them more us.

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