Working on an employment history for myself, I somehow happened across a LOT of complaints about discover card. Regardless of how one acts, whether good or bad there is only one God and He is just and righteousness. Discover Financial Services has gone from a company I advocated for and was incredibly happy with to a company I despise and feel betrayed by. Discover is in my opinion the best credit card company out there. Account freeze: The guidelines appear to place no value on customer relationship, nor on time payment, nor good standing account status. 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. 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. 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. Convenience: Sign up to receive our free weekly newsletter. I am a very responsible consumer. While Discover's interest rates are on the high side, this is no issue for people who pay their balances every month. The 2019 bonus category calendar is:. Unsubscribe at any time. This is an excellent credit card for their cash back rewards on quarterly categories. Discover Financial Services created more complicated issue by adding their illegal unauthorized automatic charges in addition to late fees, interest charges to cover up illegal charges for cancelled on September 2013 timeshare between us and Marriott. Not one fee! Which should require me to just send a confirmation letter with Fast forward to a few years later, I moved to another state with my kids & husband & our moving expenses were more than we realized they would be. 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. Their high interest savings account is just that, maintaining interest rates far above the average 160x higher than the savings account I used to have. Buyer beware! They do not value customers and the services they provide are the same as any other credit card company. Went to use my card at a … The card is FREE (no annual fee), billing is accurate, and their attention to online and PoP purchases is exemplary. A link has directed you to this review. The Cash Back Bonuses build up and I can use them when I want to. Discover Bank ranks 97 of 691 in Banks category. 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? She was influenced by travel agent there, who completely misled about Timeshare product and disappeared, was not found, after that. And this is something - THAT HAS TO BE ILLEGAL - And I have only seen this with Discover Card. 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. So our relationship began, I believe I had a $2000 credit limit which at the time seemed like a lot. Discover's online bank is one of those gems. Once again I called Discover to see about a payment arrangement & within minutes a huge weight was lifted off my shoulders. Discover it isn’t really an issue anymore, unless you already have Discover More and are considering switching. I was curious as to what made them any more unethical than the other credit card companies, and this definitely clears it up. ), Walmart, E-Bay, or even any online merchant. They ignored me and permitted the company to charge me anyway. This complaint against both Marriott and Discover Credit Card Financial Services that both in secret conspiracy in the dark terrorizing our family ever since 2013 and still ongoing. I had always heard Discover was great plus my sister loves her locked in interest rate. Do not do business with such a callous company. Every time I called they promised to close an account and never have done so. I also love pulling up my accounts online very understandable. See BBB rating, reviews, complaints, request a quote & more. Needless to say, I pay every bill with the Discover debit card. The employees at Discover Card for the most of them are not customer service oriented, They just pretend to be . You will be assessed a late fee (Penalty 1). One caveat: except for the wonderful 5% categories, the cash back reward is comparatively very low on all other purchases, so I only recommend using this card for those quarterly categories. I will not cease in praying that they get what they deserve. The joint investigation concerned deceptive telemarketing and sales tactics used by Discover to mislead consumers into paying for various credit card “add-on products” – payment protection, credit score tracking, identity theft protection, and wallet protection. We value your privacy. You can call this line 24 hours a day with any questions you have about your card or account in general. I informed Discover of these intentions and now they are harassing me. Financial Education Center: The cash back rewards are also very easy to use. Unsubscribe easily. The website makes it easy to apply for an account and set up payments. Do not do business with this shady company which doesn't work with common sense and processes to keep you informed in a timely manner. We are committed to providing you with great service and will investigate your complaint and aim to resolve your complaint appropriately. There are also no restrictions on types of purchases they can be applied toward. Please note all I wanted to do was to change my banking details. Aren't we in a pandemic?". The respond never was received and the sales person disappeared, it was difficult to find who to talk to about it. BBB accredited since 11/13/1989. We will acknowledge receipt of your complaint and give you a reference number within 24 hours. This company is not yet accredited. 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. Reputation: Discover More vs. Need a more rewarding credit card? After receiving a declined charge on my card I looked into what the charge was and found that it was a payment for a payment protection program. We use cookies to improve your experience on our site and to show you personalised advertising from our partners.By using this website you agree to our Cookies Policy. It was a horrible experience. He was under constant pressure of threats by Discover card and could not stand the stress. Home & Garden Showplace Discover has a variable purchase APR that ranges from 15.49% up to 26.49%. They are not going to go away. If you’re located outside of the U.S., you should instead call 1-801-902-3100. It also has a variable cash advance APR starting at 27.49% . Overall Viatcheslav without any intent has already paid $4, 803.00 for nothing just to get rid of threats from Discover. Our content is intended to be used for general information purposes only. How are majority of customers to keep up with all this without asking us if our credit line does not meet transfer amount if we wanted to continue with transfer? Come to find out wasn’t just me. At one time, I worked in the customer service call center in ohio. I've had Discover Card since 1980 and use it all the time. To get the most value out of the Discover It card, make sure you pay close attention to the spending categories each quarter. One of my cards which isn’t Discover made online account. Discover card allows you to set your payments up on their web site to be deducted from your checking account each month. They don’t care about you ! Discover Bank This action results from an investigation started by the FDIC which the CFPB joined in 2011. Actual Complaints: The Discover card company does not sell its unpaid accounts to collection agencies. I'm not paying it of course and so far have caused a 92 point hit to my credit report. This led to me (As I am sure millions of other Americans) being late on my payment (Oh Wow! See BBB rating, reviews, complaints, & more. I have said this to Discover Card numerous times and I hope someone out there can help me see this goal thorough. 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. Be the first one to find this review helpful. They the type to use some small print in corner no one sees as a way out. However, Discover card disregarded and did not fulfill the given instructions. All his requests to cancel the agreement with Marriott and stop unauthorized payments by Discover card have never been fulfilled. Closed Sundays and public holidays. Come up with a payment plan or save up to Settle the Discover credit cards. Most recently Discover Financial Services decided to change (Without notice) all of their customers payment due dates. Judgments can be renewed. However, the company names given ( both on the card statement and dispute documents ) lead to complete dead ends, if Discover Card performed an investigation, it was very poorly done. Using average U.S. household spending from the Bureau of Labor Statistics as a base, we estimate a typical user would spend $18,223 on this card each year. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. I've seen a lot of giants fall in my lifetime ... By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions. 3. Best charge card by far. See reviews below to learn more or submit your own review. It is about unethical practices led by Discover Card Financial Services who decided to sit on our back and eat us alive for the rest of our lives. Since then the page has accumulated 7 consumer complaints. They also pickup on scams when your purchasing something get instant text if you still want to purchase you text back yes. Without informing me they transferred balance on the small ones (don't care) but like 5k from the 10k, I did not want it if it was not full amount. Build a Credit History. I AM LIVID with Discovery card. It provides international credit solutions and acquires 5,000 new customers every day. 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. 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". So, if you earned $200, Discover would match it with another $200. Discover personal loans are a product of Discover Financial Services, Inc., an Illinois-based company that is best known for its credit cards. ***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! Discover continued to attack and take advantage of Mr. Viatcheslav, whose insufficient knowledge of English helps perpetrators to abuse him. Help. I applied for a loan with a representative and he didn't bother to ask me what was my gross income. If you pay your bill on time & make an effort they will go to great lengths to help you & they do it in a responsible manner, they don't just give you a huge credit line then throw you to the wolves when you go through hard times. The Telephone Device for the Deaf (TDD) number is 1-800-347-7449. I applied for a card to do a balance transfer. Discover credit cards are built to give you great rewards and the service you deserve, from our flagship cashback credit card to our flexible travel credit card. Discover has an A+ rating with the Better Business Bureau. We’ll start sending you the news you need delivered straight to you. All Rights Reserved. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. My credit 7k, so they could not do the 10k, so I am thinking ok, let me make sure they didn't charge me and I was indicated the 10k wont process since well 7k. You can discern their attitudes through the phone lines. Discover is a leading direct bank and electronic payment services company. 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. I like them so much I added a new card a few months ago. Some of their racist employees are just ignorant. Our editors have been covering the credit and debit card space for a total of 30+ years and we are proud to have been featured by the Wall Street Journal, CCN, etc. 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. Simultaneously we blocked Discover card from getting money from Viatcheslav’s bank account and asked to close his Discover credit card account immediately and put all their unauthorized charges in dispute too. Know why they didn't ask? I set a fixed amount to be drafted from my checking account each month. It's like night & day dealing with Discover vs my other credit card company. Kudos to Discover and I recommend them to anyone that does not need to visit a brick and mortar bank. We are exhausted that nothing can help against terrorists and it was a mistake to be weak against stress and pay them for nothing, imagine that they will leave him alone. 1. the minimum due, 2. the minimum + a fixed amount, 3. a fixed amount you set and 4. the full balance. Hmmmm. I was thinking, "What are they taking about? The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, lied to, cheated, robbed, swindled. Discover claim they sent me a letter telling me to use my card but they close my account without my knowledge affecting my credit score gravely. Complaints relating to Discovery Bank Products & Services. Cause they are a greedy scummy company, and if they wanted to truly they could cancel the transfer, but they won't, because they are evil. ", "Discover does NOT have … Insufficient English of victims did not allow them to find out what to do, how to get help against power abuse and where to complain until now. 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). Discover card knowledgeably and willfully took advantage of vulnerability and proceeded with fraud ever since. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I appreciate you taking a stand and I hope to see more businesses refusing to accept their cards. I had a problem where someone attempted to use my card number in another state since the charge amount was more than the amount I set up in my qualifiers. It’s one of the most trusted financial institutions in the country, and it has been operating since 1986, which is when it introduced the first cash rewards credit card. I asked if there was an unpaid balance or delinquency. ***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?) Free FICO credit score: Please help to stop that ongoing inhuman torture. With Discover, not so simple, they are in the "Double Jeopardy" business. 4. I am a Discover It credit card holder & have been so impressed with them. They don't seem to grasp that concept because they seem to be use to theft also. 07:00 – 20:00 Monday to Friday. Please pay attention that nothing was bought or used by us and no product or present was received whatsoever, but $2, 500.00 were taken for nothing and payment got lost, disappeared, in hands of both Discover and Marriott and Viatcheslav was left with debt that continue damaging his credit history still. Menu. Box 30943 Salt Lake City, UT 84130-0943 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. Who needs lawyers? I've been with them for many years & I plan to stay with them. Capital One MUCH better! Solution: We both go our separate ways. Also the card took forever to get, now my credit has been hit with a hard credit check for a useless card. At the end of your first year with the card, Discover will double all the cash back you’ve earned so far. I called Discover at 10:00 pm on a Sunday and explained what happened, within 15 minutes the pending charge was stopped/frozen reported as fraudulent as well as the other 6 charges on my account. I also want to make it clear I have an account with another MAJOR credit card company & they could have cared less what we were going through. Discover has been there for me to help with every major crisis my family has had money wise. They did the transfer 12/14, and when I called they said they could do nothing when it said pending on my account, but apparently it was already transferred. The rewards are great. Problem: I am extremely dissatisfied with this company. Ludmila asked Discover on behalf of Viatcheslav to stop their terror attacks of getting money for no product and use of nothing. Discover Prepaid Card Complaints- Is it Legit? That terror began on September 2013 and still pressuring Viatcheslav’s credit history. I don't understand why if they removed the late charges that they wouldn't remove the credit report items? Fast forward several years later to today. When Discover Financial Services penalizes you, it is never a 1 penalty situation. Occasionally, it was discovered that Discover card got their hands on Viatcheslav’s Santander bank checking account (which has no relation to the Discover credit card) and in secret conspiracy began charging small amounts from his account without any authorization or notification starting September 2013. Discover Card Collection Process. It was impossible. I've been very pleased with Discover Card over the years and would not be without it! This complaint against both Marriott and Discover Credit Card Financial Services that both in secret conspiracy in the dark terrorizing our family ever since 2013 and still ongoing. Other fee . This practice (Of soliciting to college students) was recently banned, unfortunately I cannot be grandfathered into the ban. THAT'S RIGHT they will send you incorrect info through e-mail, but the correct info, can't do it. 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. 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. Working on an employment history for myself, I somehow happened across a LOT of complaints about discover card. ConsumerAffairs is not a government agency. 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. Small charges were hidden and were not discovered by Viatcheslav, who had a difficulty to read and understand bills. The categories change every three months and are not always in areas we use a lot. The site gives you 4 options of what you want to pay. Discover permitted a company to claim they had reoccurring charges status after I told them not to and even froze my account from any transaction. The company also has a wonderful reputation for customer service. The overall rating of the company is 1.6 and consumers are mostly dissatisfied.. 1. I must reiterate that I am not trying to weasel out of paying my bill. FAQ. Thank you, you have successfully subscribed to our newsletter! Five stars. Beverly Harzog is a nationally-recognized credit card expert, consumer advocate and author. Information about Discover Card was first submitted to Scambook on Oct 18, 2013. The Discover It Card offers great cash-back rewards, including 5 percent cash back in rotating categories and 1 percent cash back on everything else. © 2004-2020 ComplaintsBoard.com. Some day on September, 2013, Marriott was also asked to cancel the purchase and return the initial paid by Discover Card deposit of $2500.00. Like all Discover cards you won’t be charged a fee for foreign transactions. However, the Discover card was built by Marriott Timeshare for initial payment of $2, 500.00. I find myself often getting riled up when I run across a terrible company, but rarely share the same exuberance when I find a gem. I often see signs in businesses that say, "Unfortunately, we do no accept Discover Cards due to unethical business practices."

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