Discover Bank / Discover Financial Services
Reviews and Complaints

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.

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!