Discover Bank / Discover Financial Services
United States - DE19950
I have a Discover Card. I redeemed my rewards dollars for an Enterprise Rent a Car certificate for $40. I rented a car at Enterprise Rent a Car at Oakland, CA. I gave them my Discover Card certificate. They accepted it. I did sign the rental for a total charge of $35. Later, I checked my credit card bill and I had been charged the full amount of $35 and no credit for the certificate. I contacted Enterprise. They said Discover refused to honor the certificate. I contacted Discover. They reversed the charge while they investigated. Later, I put the charge back on my bill with no explanation.
First, Enterprise should have returned the certificate if Discover would not honor it or, at a minimum, wrote me a letter indicating the same. They had my address.
Second, Discover performed a sham investigation into the matter and never provided a legitimate result of their investigation.
They should have a record of Enterprise attempting to cash the certificate. So I am out my $40 Discover reward and I paid an additional $35 for the car. Do not cash in your Discover rewards for these bogus certificates. Take the cash!
Avoid rental car companies. They are all operated like boiler rooms and charge customers for bogus damages.
I had a Discover Card that I had an approximate balance of $3, 000. on. I had some unforeseen circumstances, mostly medical, that caused me to fall behind in payments. Discover turned my account over to an attorney, who took me to court. In the past two months they have received judgment on me for the $3, 000 with an interest rate of 21.99% and attorney fees of around $1, 000. I had offered to pay the attorney's $50.00 but they would not accept it, so that is why they took me to court, because they felt like I was not willing to pay my debt.
As of yesterday, 5-16, 08, the attorneys have placed a trillion dollar hold on three bank accounts that my name is on; mine, my mother's, and my daughter's. All of us are unable to access our accounts. I am assuming that the reason they are doing this is because they would not be able to garnish my pension (state law), and the other income I have would give them only $50.00, (25% of my earnings). My daughter's and my mother's accounts have the money to pay the debt, but it will leave both of them with nothing. The attorney had told me that Discover will not mess with you and it's obvious that this is true. It appears that they will do whatever it takes to receive their money.
My suggestion to anyone who is looking to have a Discover Card. BEWARE!!! If you lose your job or have an unexpected illness and are unable to pay your bill, expect to be turned over to attorneys. I'm sure that I am not the only one this has happened to and I'm sure I won't be the last. I have absolutely nothing good to say about Discover, their attorneys, or the tactics that they have used to recover a $3, 000. debt.
What Ever You, Do not Get a Credit Card from Discover Card. I always pay more than the minimum allowance...
Discover Card APR interest rate increased to 24.99% - but nothing negative on credit report and all Discover...
I went online to pay Discover bill for this month. I found they had charged an over limit fee of $39. I had paid minimum due amount and didn't understand why over limit.
I subtracted minimum due from previous balance and came under limit so I called Discover. They said even though I paid minimum due that when added finance charges it made it over limit. Now, she double talked on this issue. I asked her if that was the case why wasn't the minimum due higher in over to take care of it. She said they had no way of knowing what the finance charges were going to be so they couldn't do that. I said, "So, you can't but I'm supposed to mind-read and figure it out myself. She then went on to say that the finance charges are actually from the month before and that I should have some idea from what they were previously.
Now, if that's the case, they should be able to do the same thing. My guess is, it's another way of collecting additional fees from people. They know perfectly well that people will pay minimum due without thinking to double check the finance charges and will thus occur over limit fees, late fees, etc., etc., etc.
Who does one write to complain about this sort of business?
My family has used discover card almost exclusively for years. In the past few months, we have had problems getting our statements in the mail. Most of our cards are paid off each month in full, some by bill pay and others by mail. The statements by mail seem to be the problem. For the past two months the statements were not received. I brought this to the attention of discover card customer service. Again this month I did not receive a statement, but received several weekend phone calls from discover card collections telling me that my payment was 47 days overdue. When I received the phone call on Sunday, I explained that I was called a few days ago and informed of the specific amount and had mailed a check in for that amount in full and that I had not received a bill or notified of the amount that was due prior to the phone call. The first Rep could not explain to me why I had not received the statement notification, but recommend that I call my local post office regarding the problem. She stated that she would remove the additional charges and she verified the amount of the check that had been mailed. I assumed that all was taken care of. Well several days later, I received another call from Discover card collections regarding the same payment. I explained to the Rep what was discussed during a previous call from them regarding the same payment. She stated that the record did not show any adjustments previously agreed to by the first rep and that I did not tell the previous rep that I had mailed in the payment which was not true. She demanded that I tell her the exact amount of the check. In other words she accused me of lying. I was shocked.
My family has been using Discover card for years. We all have excellent credit. But for their lousy mailing procedures, we would not be at odds with them. It is clear to us that Discover card?s customer service is on the decline. We plan to seek better customer service and I have no doubt that our outstanding credit record will not hinder us from locating other replicable credit card services.