Discover Bank / Discover Financial Services – Page 7

Discover Card lowered my credit limit to just above my balance. Even though I had a perfect payment history, this was not a problem, bad times in all. Then Discover Card charged the regular interest fees to my account for my current balance. This was normal. But because the interest went over my new credit limit I was charged an over limit penalty. Can they really do this? This is not acceptable! Creating charges by adjusting the limit and all without my knowledge of these events. If they lowered my credit limit and the interest went over my limit, I would be happy to pay the amount over limit because I pay this anyway, but to tack on extra fees is just a scam. Big business should be stopped from behaving as if they can do anything to the consumer and the consumer just has to accept it. Banks are already out of control but the credit card companies are more out of control. I missed just one payment to my JPMorganChase Visa by two days and they set my interest rate to 29.99%. I will not ever do business with them again. But some people are stuck with it because of a high balance and have to payoff four to five times the amount of the balance causing them to go into bankruptcy. I was told that this is just how business works. My thought is that this is greed out of control and anything but business. One mite think that the banks have had this planned for awhile.

I have also been a loyal member for several years and have never paid my bill late... I always pay at least 1 week prior to the due date online.
This past January they notified me by mail that they were increasing their rate to 21.99%, or I could opt out which would mean I would have to close my account. I closed my account. Since that time (February 1, 2010) They raised my interest rate to the 21.99% even though I opted out and closed the account. I have been calling every month asking why they still have not changed my interest rate back to the amount I was at before the error occurred and I am told the same thing every month. "We are sorry for the inconvenience although there is nothing we can do as this is being researched and will be cleared up within 1 to 2 billing cycles" 7 months of hearing this [censor] now... If I stop paying the bill, they will just raise my interest to 30% and then it will never be put back to where it was originally. I feel I will never be able to pay this crap off because they continually screw with me.
I am now contacting a lawyer as I am no longer going to pay for their mistakes...

Your credit line was most likely decreased because of MAJOR changes in your credit rating. That is how banks and creditors assess your risk. It is part of doing business and having a credit card. Please get prepared, now retail banking is going to follow this pattern and start monitoring customer's credit score and report when you have a checking or savings account, not just at the time of opening.
The economic world is different, we may not agree as consumers but banks have to determine if you are credit worthy, older generations paid their bills. Our generation would rather charge up credit cards on their $4.00 starbucks coffee, pet grooming and doggie daycare, expensive clothing and HD TV's that they don't really need.
I work in the credit card business, trust me, if you could walk a mile in my shoes, you would understand!

Hello? Being late is being late. All credit card companies and credit unions do this raise APR after a couple late payments. Did you not read your terms?

I have cancelled the credit card and they still keep charging to my account. I have called & can never reach anyone. It's a 9.99 charge every month & I want it stopped.
Thanks for your time.

This has been ongoing since 1999 and the harassment and extortion this bank has committed is unreal.

In 2004 I investigated an unfamiliar trade line on my credit report with Discovercard. They told me to send a letter in writing including my name, address, social, and any account identifying information to correct the information.

Within a month of complying, I started receiving calls from their office claiming I owed $6, 000. I told them the story, I did not recognize the account and was looking for information about the debt, how it originated, copies of signatures, sales receipts etc. to establish the true identity of the account holder. They told me at that point they added my social to the account and 'good luck' getting it removed. So much for amicably working to have the false information corrected.

I received a barage of harassing phone calls which all met with a copy of a letter asking for specific notarized information and signatures about the debt. This continued from [protected].

In one follow up call in 2006, it was finally admitted I answered their 'challenge' questions incorrectly and obviously the account was not mine. It was admitted on the phone that in 1999 they sent a pre-approval of credit in my name to an address I no longer lived at. They admitted the account was opened fraudulently. I requested something in writing indicating the trade lines would be removed. The woman was hesitant, but wanted to help and about a week later I got a very generic letter stating they instructed the credit reporting agencies to delete the trade line as the account was 'unverifiable'.

My state has a 6 year statute of limitations. It MUST drop. WRONG - Discover card sold the account to their junk debt buyer Weltman Weinebrg and Reis and that is another complaint all by itself with their illegal business practices and history of consumer fraud around the US.

So Discovercard gives my personal information to a junk debt buyer and the calls start again. I send only a copy of my letter stating the account was unverifiable, as well as a copies of the unanswered letters requesting information dating back to 2004.

The junk debt buyer elects to participate in the illegal use of court documents in an effort to phish for information. They put the documents in the name of 'Jane Doe' (obviously they don't know who legally is responsible). Then they put it in the name of someone else with the same first name/different last name than me - I don't even know this person. Then finally they add my name to it on the third attempt.

So here it is 2009 and I the credit reporting agencies refuse to delete the trade lines and allow re-aging of the account to make it appear as a recent charge off.

I write letters of complaint and Discover tells the Department of Banking I fabricated the 2004 document and refuse to comment on the illegal re-aging and still refuse to produce any validating documentation to reflect the ownership of the account and any associated charges.

Still - pending.

I set up automatic payments with discover for 2 of my 3 accounts for 4 months, because i use various accounts to pay i didn't want it to last longer. After 4 months Discovercard not only tried to debit my checking account again but kept doing 2 times a week for each account adding up charges on my bank account for insufficient fund carges over $500.00. Discover also charged me for bounce check fees. It got so bad i had to close my account and now my back is coming after me for the charges. when I spoke to a supervisor after about 100 calls in a month from Discover, she said she would make an adjustment to offset the charges, but the adjustment she came up with was to remove there fees only not my bank fees. I sent the letters and never had a response other than 4 or 5 calls a day to the office where i work. When the call they don't state the call is being recorded and when I tell them I am going to record the call at my end they hang up. The calls have gotten so bad that I lost my office position and I was told that if the calls don't stop I will be let go. Various people at the office have stated to Discover Reps that they are calling a business and the Phone does not belong to me so do not call but that Doesn't stop Discover. They have also discussed the issues with people in the office.

If an attorney is out there that can help please let me know.

This is not a complaint about Discover Card. However, I was told to check the progress of case # [protected] at this site, and I cannot find any place that I can submit my inquiry. Help, please. I do not know if I should pay the disputed amount by the payment due date, or if I should deduct the disputed amount. I do not want to have penalty and interest added if I pay the wrong amount.
Thank you,
Marcille Lawrence

report them to the Federal Trade Commission and Office of Thrift Supervision
You have to do both agencies - not just one or the other

They have been ignoring you - they cannot ignore the federal government

I just got a Discover card and on my 2nd payment they lost it. THE PAYMENT WAS A FXCKING E PAYMENT! I now have to wait 15 days for discover to do whatever (aka banks to clear/discover to catch up etc). But luckily the days are almost over. One could say it’s my bank? It has never happened with my credit union and my other payment with them posted the exact same day. So wtf would it take 15 days now? Long Story Short I am done with Discover!

It happened to me. My March 2009 payment was not received and yes my check has not been cashed. I happened to notice March statement's payment address is PO BOX 30395 Salt Lake City, Utah 84130. My past due statement in April the payment address says PO BOX 6103 Carol Stream, IL [protected]. The person I talked to on the phone from Discovery is as confuse as I am. He insist I should send all my payments in UT. Not sure how to send my next payment worried they will not receive it again and this time they will not lower my interest rate and give me back my past due amount. My bank also charged me $20 for stop pay for the first check.

I signed up for this card because they were offering 2.9% financing on balance transfers until 2010. I did this in October and they can not find my 1st payment in the month of November. I immediately went online and paid the November balance and December. Two days later I received Decembers bill with a late fee and a new interest rate of 17.9%. I called customer service and told them that the check was lost but I immediately paid Nov and Dec to correct the situation. I asked them to reinstate the 2.9% and they told me that there policies have changed and they can not under no circumstances lower my rate for any reason. I went up the chain and talked to several Managers and they all said it's too bad but there is nothing they can do. What can I do to get help with this situation?

Roger

ALSO REPORT THEM TO THE FEDERAL TRADE COMMISSION.

If they refuse to credit late fees and interest because of THEIR PROCESS /ADDRESS CHANGE you can file a complaint with the Office of Thrift Supervision.

CC companies are really messing up peoples accounts all by themselves and will not admit nor fix the problems they create for their customers unless you contact the OTS and OTS makes them fix it.

Discover Card cheated me by jacking up my interest rate from 9.7% to 23 % b/c I missed one payment b/c they send the bill late. And I've been keeping watch, they'll send the bill late every now and then, or not send it all at.

You would think it might be the postal problem but I have two credit cards and it occurs only with Discover. i have since then closed my account with them and is looking to file complaints with whomever I find that'll listen to me.

Sounds like Discover has been taking lessons from GE MoneyBank.

This also happened to me - and I was very attentive every step of the way. I believe this is common practice. Zero chance I will pay the charges, I will file with the credit reporting agencies and escalate this if need be. -E Dench

I would consult with an attorney, especially if you dealt with Weltman, Weinberg, and Reis. These are junk debt buyers known for manipulating the courts and have been sued in all 50 states because of their illegal practices.

I have a suit myself pending against Discover for giving them my personal info (when the account wasn't even mine). Can't sue the agency because no damages other than harassment and falsification of court documents to illegally phish for personal information to put people in your situation.

Credit cards aren't a free lunch and the don't take the dramatic step of going to court to collect until they have exhausted all other possibilities. Did you offer to make small payments with them? Did you simply ignore the bills and not even call to tell them what was going on? None of these companies WANT to go to collections, it's expensive and it means they lose a customer. They will work with you, but you have to work with them too.

"Pay your bills on time, Melissa" is lame. I have an 830 credit score, 2 Visa cards with 4.9% and 7.9%, respectively, and Discover raised my APR to 24.9% with the same hoo-haw on why, when I bothered to ask. I was paying off a balance transfer on my Discover with 5.9 for life of balance, but in error made a purchase on Amazon quick check out. After that purchase went through, they raised my rate from 13.9 to 24.9%. All my payments went first to the balance with lower rate, none to purchase balance.

Congress has passed a law against this policy, but it won't go into effect until the middle of 2010. In the meantime, I was offered a 3.9% card from my credit union, no balance transfer fee and transferred the whole amount that was just at $3K over. No more Discover Card purchases. They still send me balance transfer offers--sure, DC, when the Sonoran Desert freezes over.

Disclosure: I have no over-due payments on any balance, excellent credit--my agent at American Family said I was "super A+" and lowered my auto policy amount by half, and my home property insurance premium reduced as well (AmFam checks credit history these days). Discover Card must be in trouble since it treats it's customers so poorly--they don't care about cust. service, just mining out every dollar they can.

PAY YOUR BILLS ON TIME

I asked Discover to close my account. I had a minus balance because I overpaid. They sent me my rewards balance of .85 cents. I have a minus balance of $137.94. They did not include that. I am asking for that money back. Thanks you

I have received numerous telephone calls from this company looking for someone...even after I had told them I am not that person and that they are calling the wrong number...

how is anyone suppose to pay off their balances when this credit card keeps raising their rates. Mine is 30% on a balance that I have been paying on for 5 years

Missed a payment, $24 payoff. Which lowered my credit score! Lowered my credit allowance to almost nothing! Took my rewards also! Then was charged for back payments that I supposedly didn't pay since they stop all activity on my account! Well there not willing to talk so I will!

Avoid Discover Credit Cards at all costs! I was swept into the discover depths of hell whirlpool by taking advantage of 0% APR for 12 months deal. Come 12 months, they put my APR at a whopping 23.99%! My credit score is in the high 600's (average), so I called to find out what the issue was. I always made my payments on time and paid more than the minimum balance on every payment. I had to get transferred to a supervisor to see if any positive outcome could come out of this. Wishful thinking. She stated that the company has decided to never adjust APR's for past purchases but they could lower my APR for any future purchases (hook, line and sinker to be a discovercard slave for years to come). I told her that I wouldn't be making any new purchases, I just want to pay off my card and have the APR lowered. She wouldn't budge. To make a long story short I closed my credit card and will be bombarding the remaining balance with payments until I am no longer a discover slave (5K balance left, I hope to pay off the card in full in hopefully 3-4 months.) Moral of the story is avoid Discover Cards at all costs, the only way to be ahead of the credit card companies is to pay your balance in full each month and take full advantage of their rewards. If everyone did that however, there wouldn't be any credit card rewards and possibly no credit card companies in existence. Their profits are driven by the poor slaves (such as myself temporarily) who are trying to keep their head above water and pay off debt and provide for themselves and their families. CONCLUSION: Discovercard along with other credit card companies are parasites that thrive on the misfortune / hard times of hard working people and charge usurious rates to quench their appetite for greed. AVOID AT ALL COSTS!

THE WORST. LIARS. RAISED MY RATE BECAUSE I WAS LATE ON ONE PAYMENT, RAISED RATE ON ENTIRE BALLANCE, NOW A YEAR OF PERFECT PAYMENTS AND THEY TELL ME RATE WILL ONLY LOWER ON NEW PURCHASES. I AM TEMPTED TO NOT PAY BILL AT ALL TO HELL WITH ALL CREDIT CARD COMPANIES AND CREDIT RATINGS. SEEMS PEOPLE ARE BETTER OFF, THANKS OBAMA, FOR DOING NOTHING TO HELP THE AMERICAN PUBLIC. THAT GOES FOR ALL IN LEGISLATURE, , , WHY THEY GET PAID BY THE COMPANIES TO KEEP USERY LAWS ALLOWED.

Discover card is TERRIBLE! They raised my interest rate over a year ago for absolutely no reason. When I called, they explained that there was a process to opt out of the interest rate increase by cancelling the card, or accept the higher rate. The rate hike was not justified, even the rep admitted that my account was in good standing, no late fees, never paid late, and always paid more than the minimum due. Wow! I paid a big chunck of the balance, then just paid the balance off a year later. Well, come to find out when I got my statement...I was charged nearly $30 in finance charges AFTER I paid my balance off. I called customer service to find out why they did this. They told me that I should have called in to speak with a rep before I made my pay off. They said it was the "unapplied" finance charges. I asked why they wouldn't include that when I called in to get my balance. No reason. The are BAD - terrible business practices. I will pay them off - then they can kiss off! So much for being a "10 year valued customer." I hope they eventually go under. I feel sorry for the people who work there.

I to have received a letter in the mail telling me that the Discover Card interests rates are going up to what I describe at loan shark rates. I have had my card for 19 years and always paid the balances in full. Some kind of customer service this is. I have always been happy with my card but this takes the cake. Not my problem that they gave cards to people who didn't pay their bills but I take offense to them using me to bail themselves out. I haven't seen a raise at work in 3 years because our company has put into effect strict rules to conserve money and save jobs. Raising interest rates is not going to help, it's only going to compound problems. I for one will go back to doing everything cash as I did before there was credit cards... buy buy Discover!

I just got off of the phone with the Discover card guy in Utah, where for the 2nd time, I've tried to get someone to get my interest rate "down" to the 13.99% that it was before. I wrote the letter and sent it certified mail to their office so I know that it got there by their arbitrary deadline. When I logged onto my account days later, I saw that my interest rate was jacked up to 18.99%! Whoa! So I called and some woman said she'd fix it. She even refunded me some of the heinous interest charges. But whatever she did, it didn't "stick", so I had to call again today. This guy's name was Jared something so I am hoping against hope that this time it actually stays. I refuse to pay almost 20% interest!

On Nov 27, 2008 I wrote check #162 for $500.00 and mailed it along with my statement stub to Discover Card using the envelope they provide. On Jan 3, 2009 I learned that they check was not cashed and I called Discover and made a $1000.00 payment by phone to make the account current. On or about March 6, 2009, I learned that Discover had recently cashed the missing $500 check, which I suspect they had all along. Recently, I obtained my credit reports to find the Discover reported my being late with my payment. I was never late with my payment. They were late in recording the payment and blamed it on me. On July 1, 2009 I called and they refused to take any corrective action - despite the fact that I have been a card member since 1989 and have rarely if ever been late before. They were however completely happy to close my account. So much for loyalty. I recommend everyone stay as far away from Discover as possible.

Minimum payments are based on 2 to 4% of the account balance. Future interest rate charges are not considered in the minimum payment amount. Users of credit cards need to think about this. If you have a balance of $2900 and your limit is $3000 you will be in trouble if you only pay the minimum amount of $60.00 when your interest is figured at 29.99%. After your payment is made your next months balance will still be charged your interest and your balance will be over $3000. The next thing you know is that you have mysteriously gone over your limit and are now incurring fees. Common sense, minimum payments only get you in trouble and you have to do some basic math to stay in control of your credit accounts.

Get a life, you stayed at MOTEL 8, you sound pathetic anyway...geesh, you sound like someone who has no business having a credit card John...

And what a dirty credit card this has turned out to be, and on my trip~Misrepresentation of fees, lying, not helping with disputed charges at Motel 8, Pet fees not pet friendly, wanted $15. per cat, did not honor the coupon rate in the Florida coupon saver and Room Rates Misrepresented by Motel 8 at I-95 Saint Augustine, Florida in violation of Florida Statute 509, Misleading and False Advertising, no shower, dirty shower and no fan in Motel 8, noisy, smelled like chemicals, would not honor the $42. price and
Discover Card ignores all material facts in this matter, and lets Motel 8 get away with it with charging me over limit fees in the hundreds of dollars, just hidden fees, extending credit overlimit not requested by the customer and the hundreds of over limit charges on the Discover card~Usary, Lying about taking charges off, lying about what is owed to them to bring it under the limit $6,100~dirty card Lying people now I will have to go court in Wilmington, Delaware, see a lot of class action lawsuits against Discover Card.

the head of ira i talked with does not have permission to move my ira to axos bank i asked for transfer to north idaho or a rollover but was refused by the head of the ira deparment i was given no reason i was told that i filled out hte wrong form sent to me by discover and sent back to them

I have been using discover for over a decade and they never disappointed. I am writing this review to Thank discover for not doing business with companies like JustFly. I wish other banks protect us consumers by declining merchandise from companies that sell expensive services as Sale is Final, no refunds.

Your bank made two unauthorized transactions on my WellsFargo checking account.

Your bank debited my WellsFargo checking account twice for $50,100.00.

The bank has to put my money back on my account.

If not, I will get an attorney to take care of this.

Fraud victim

This effect will considerably impair my obligation to make current and future loan payments. I am obtaining an attorney who will serve as my communication and representative. You will be contacted.

Regards-Brian Mercill

Discover blocked me from calling, them and question about their practices anyway I had a third party call them and they discuss my account in length with the third party on line I should, have been notified that they, had blocked me from calling them to discuss

I had $2000 of transactions I didn't make. They are not giving my money back.

you need me email me better ok?
why did you declinced 12 year ago i'm very good buying for me you said i already apply what i do ?
please tell me email me any time ?

IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep's thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, "What?!" I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it's my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store's end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in "an-i-don't-give-a-crap" voice, "I can't transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?" I give her the number and she says, "That is an invalid code". Again, I shriek, '"What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?" She says (amused), "Hold the line..." Again, I was on hold for several minutes, then she comes back on the line and said, "I don't see any problem on the card. Run the card again... Maybe this time it will work." I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead!