Discover Allows It's Customers Like Angela Alvarez To Commit Credit Card Fraud!!!
Update 1-26-15 12:02pm
Shawn: (Manager In Dispute Resolutions) called in basically told me that there is absolutely nothing she could do to help me with this matter.
She also recommended that I go onto the Internet to find out (since I seem to be so Internet saavy) how my shopping cart should be configured so as to comply with the rules and regulations. I guess there is no specific document Elavon could provide to me that made a specific reference to this same information.
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Discover Allows It's Customers Like Angela Alvarez To Commit Credit Card Fraud:
— Spy Store Rentals (@MontyHenry1) January 24, 2015
Date: Mon, 26 Jan 2015 21:07:10 -0800
This is totally crazy!!!!!
I hope you get your refund and this lady gets what she deserves. Terrible case.!!!!!
Good luck,
Judy
To: Discover,
cc: Attorney General's Office (Lisa Madigan)
cc: State Attorney General's Office (Illinois)
Consumer Complaint Submission Form
Illinois Attorney General
Consumer Fraud Bureau
500 South Second Street
Springfield, IL 62706
217-782-1090
1-800-243-0618 (Toll free in IL)
TTY: 1-877-844-5461
Discover Headquarters
Consumer Complaint Submission Form
Illinois Attorney General
Consumer Fraud Bureau
500 South Second Street
Springfield, IL 62706
217-782-1090
1-800-243-0618 (Toll free in IL)
TTY: 1-877-844-5461
Discover Headquarters
502 E. Market Street
Greenwood, Delaware 19950
From: Monty Henry
Dear Chargeback Dept., I just received my rental unit that this customer (a Discover credit card user) claims she couldn’t get it to work. It’s now been over 4 weeks!
Related Articles:
Maybe You Get Bad Customer Service Because You're a Bad Customer!
Discover Financial Services has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act (TCPA). If you received an automated call from Discover Financial Services or any related parties between Nov. 30, 2007 and Sept. 10, 2013, you may be eligible to receive financial compensation.
The Discover telephone call settlement will resolve a class action lawsuit (Steinfeld v. Discover Financial Services, et al.) that alleges Discover Financial Services and related parties placed calls to cellular telephones through the use of an automatic telephone dialing system or artificial or prerecorded voice without the prior express consent of consumers.
Discover denies all of the allegations but has agreed to provide monetary compensation to consumers under a class action settlement that was preliminarily approved on Sept. 10, 2013. Class Members are expected to receive between $20 and $40, either by check or as a one-time credit on their Discover credit card balance.
Class Members of the Discover Financial Services TCPA class action settlement include all persons to whom Discover Financial Services, Discover Bank, The Student Loan Corporation or Discover Home Loans placed a non-emergency telephone call to a cellular telephone through the use of an automatic telephone dialing system and/or an artificial or prerecorded voice between Nov. 30, 2007 and Sept. 10, 2013.
The only way to receive compensation from the action settlement is to submit a valid claim form postmarked no later than Feb. 25, 2014.
Discover To Refund Customers $214 Million For Deceptive Credit Card Practices
Discover Financial Services, one of the nation’s largest credit-card issuers, will refund $200 million to 3.5 million customers it led into buying costly and unneeded credit-card products, federal regulators announced Monday.
In some cases, customers were enrolled in the payment-protection plans and other products without their consent. Discover provided scripts to call-center agents that suggested customers would not be charged until they had reviewed written materials. Yet those materials were not provided until after the firm took money from consumers.
Telemarketers used scripts that “failed to disclose material terms and conditions” of protection products and “spoke more rapidly during the mandatory disclosure portion of the sales call,” regulators said in the enforcement order against Discover.
The credit-card firm also will pay a civil fine of $7 million each to the Consumer Financial Protection Bureau and the Federal Deposit Insurance Corp., which issued the joint enforcement action.
“People deserve to be treated fairly by their financial institutions,” CFPB director Richard Cordray said during a call with reporters. “We will continue to work toward that goal with great determination.”
The charges against Discover mirror those the CFPB leveled at Capital One Bank, which had to pay $210 million in July for selling unnecessary credit-card services to the unemployed or people with poor credit. Cordray told reporters on Monday to expect additional actions against financial firms engaged in deceptive practices.
Discover settled the charges without admitting or denying any wrongdoing, but it agreed to submit to an independent audit and stop the practices in question.
“We have worked hard to earn the loyalty of our cardmembers, and we are committed to marketing our products responsibly,” David Nelms, chairman and chief executive of Discover, said in a statement.
Discover will refund consumers who purchased at least one of its add-on services between December 2007 and August 2011. The average payout is expected to be about $56 per cardholder.
Consumers will be reimbursed at least 90 days’ worth of fees paid for the products, unless they made use of the payment-protection plan. About 2 million Discover customers will receive full reimbursement of all the fees they paid.
Eligible consumers who still have a Discover account will receive a direct credit, while others will receive a check in the mail before 2013.
Discover has been battling accusations it misled customers about its payment-protection product since 2010, when the first of eight separate class-action lawsuits was filed against the firm.
A U.S. District Court judge in Illinois in May approved an $11 million global settlement addressing all of the class-action cases. But Discover is still contending with similar lawsuits filed by state attorneys general in West Virginia and Hawaii.
Consumer advocates and government agencies began questioning the usefulness of payment-protection products as lenders began aggressively marketing them during the recession. Payment-protection plans can cover a cardholder’s debt if he or she dies or faces an unavoidable financial crisis.
Researchers at the Government Accountability Office found that consumers paid $2.4 billion in fees for payment-protection products in 2009. They looked at nine credit card issuers, including Capital One and Discover, and determined that consumers received little “tangible financial benefit” from debt-protection services.
Lenders have started backing away from these products as regulators intensify scrutiny of their sales tactics. Citigroup in August halted telephone sales of payment-protection services as it reviewed its sales practices, while Bank of America stopped offering credit-protection products to new consumers.
Discover To Refund Customers $214 Million For Deceptive Credit Card Practices
Discover Financial Services, one of the nation’s largest credit-card issuers, will refund $200 million to 3.5 million customers it led into buying costly and unneeded credit-card products, federal regulators announced Monday.
In some cases, customers were enrolled in the payment-protection plans and other products without their consent. Discover provided scripts to call-center agents that suggested customers would not be charged until they had reviewed written materials. Yet those materials were not provided until after the firm took money from consumers.
Telemarketers used scripts that “failed to disclose material terms and conditions” of protection products and “spoke more rapidly during the mandatory disclosure portion of the sales call,” regulators said in the enforcement order against Discover.
The credit-card firm also will pay a civil fine of $7 million each to the Consumer Financial Protection Bureau and the Federal Deposit Insurance Corp., which issued the joint enforcement action.
“People deserve to be treated fairly by their financial institutions,” CFPB director Richard Cordray said during a call with reporters. “We will continue to work toward that goal with great determination.”
The charges against Discover mirror those the CFPB leveled at Capital One Bank, which had to pay $210 million in July for selling unnecessary credit-card services to the unemployed or people with poor credit. Cordray told reporters on Monday to expect additional actions against financial firms engaged in deceptive practices.
Discover settled the charges without admitting or denying any wrongdoing, but it agreed to submit to an independent audit and stop the practices in question.
“We have worked hard to earn the loyalty of our cardmembers, and we are committed to marketing our products responsibly,” David Nelms, chairman and chief executive of Discover, said in a statement.
Discover will refund consumers who purchased at least one of its add-on services between December 2007 and August 2011. The average payout is expected to be about $56 per cardholder.
Consumers will be reimbursed at least 90 days’ worth of fees paid for the products, unless they made use of the payment-protection plan. About 2 million Discover customers will receive full reimbursement of all the fees they paid.
Eligible consumers who still have a Discover account will receive a direct credit, while others will receive a check in the mail before 2013.
Discover has been battling accusations it misled customers about its payment-protection product since 2010, when the first of eight separate class-action lawsuits was filed against the firm.
A U.S. District Court judge in Illinois in May approved an $11 million global settlement addressing all of the class-action cases. But Discover is still contending with similar lawsuits filed by state attorneys general in West Virginia and Hawaii.
Consumer advocates and government agencies began questioning the usefulness of payment-protection products as lenders began aggressively marketing them during the recession. Payment-protection plans can cover a cardholder’s debt if he or she dies or faces an unavoidable financial crisis.
Researchers at the Government Accountability Office found that consumers paid $2.4 billion in fees for payment-protection products in 2009. They looked at nine credit card issuers, including Capital One and Discover, and determined that consumers received little “tangible financial benefit” from debt-protection services.
Lenders have started backing away from these products as regulators intensify scrutiny of their sales tactics. Citigroup in August halted telephone sales of payment-protection services as it reviewed its sales practices, while Bank of America stopped offering credit-protection products to new consumers.
The tracking# is : 7724-4619-3207 (Actual Delivery : Wed 1/07/2015 2:02 pm). By the way, I just tested it and it works just fine. I can also tell that she’s been using it judging by the scratch and scuff marks on it (this was actually a new unit that I sent to her).
This customer had no reason to keep my rental product for almost 5 weeks if she could not get it to work.
When she initially rented it she told me that within (3) three days she would let me know whether or not she would buy it or just send it back:
Date: Sat, 13 Dec 2014 10:32:20 -0800
To: ang201230@gmail.com
From: Monty Henry
Subject: Rental: 1 Week Courtesy Notice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you have completed (1) week of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Date: Sat, 13 Dec 2014 10:32:20 -0800
To: ang201230@gmail.com
From: Monty Henry
Subject: Rental: 1 Week Courtesy Notice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you have completed (1) week of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Date: Wed, 17 Dec 2014 11:21:11 -0800
To: ang201230@gmail.com
From: Monty Henry
Subject: Rental: 2 Week Courtesy Notice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you are completing (2) weeks of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Date: Wed, 17 Dec 2014 14:22:51 -0500
Subject: Re: Rental: 2 Week Courtesy Notice
From: Angela Alvarez
To: Monty Henry
Well, I lost my business today. Bank foreclosed. I will be sending the item back.
Angela
On Dec 17, 2014 2:21 PM, "Monty Henry"
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you are completing (2) weeks of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Date: Mon, 22 Dec 2014 11:15:57 -0800
To: ang201230@gmail.com
From: Monty Henry
Subject: Rental: 3 Week Courtesy Notice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you are completing (3) weeks of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Date: Sat, 3 Jan 2015 11:00:04 -0800
From: Monty Henry
Subject: Rental: 4 Week Courtesy Notice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
This is a courtesy notice that you have completed (4) weeks of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
At this point I just charged her cc for (4) weeks so that she would not "overpay" for this rental. It seems that she simply couldn't or refused to respond to my attempts at reaching her!
My rental policy mentions that we are under no obligation to not continue accessing rental charges when a customer does not respond. But I tried to do her a favor.
At this point I just charged her cc for (4) weeks so that she would not "overpay" for this rental. It seems that she simply couldn't or refused to respond to my attempts at reaching her!
My rental policy mentions that we are under no obligation to not continue accessing rental charges when a customer does not respond. But I tried to do her a favor.
Date: Wed, 7 Jan 2015 15:50:54 -0800
From: Monty Henry
Subject: Paid Invoice
Cc:
Bcc:
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
Please see the attached paid invoice.
This is a courtesy notice that you have completed (4) weeks of rental.
If the item has been shipped already please provide the tracking#.
If you are still using the item you may simply ignore this message.
Your correct tracking# 7720-5962-7974 Fed. Ex. Overnight.
Actual Delivery:
Wed 12/03/2014 4:59 pm
JACKSONVILLE, FL US
Delivered
Signed for by: I.ALVERAZ
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
-- 
She was supposed to send it back immediately if she could not use it.
(Buy/Rent/Layaway)
How can california laws allow these companies and customers to take advantage of merchants like this?
I want to file some sort of charges against Discover for allowing this customer to use my product rent-free for almost 5 weeks!!!
If anyone knows of a good attorney please have them contact me asap!!!!!
Date: Tue, 2 Dec 2014 12:58:14 -0500
Subject: Re: Rental
From: Angela Alvarez
To: Monty Henry
Understood. Thanks.
Angela
On Dec 2, 2014 12:02 PM, "Monty Henry"
Dear Angela Alvarez,
Thank you for contacting DPL-Surveillance-Equipment.com
Your tracking# 77186885551 Fed. Ex. Overnight.
When Returning Rentals: Please send the product and accessories to:
DPL-Surveillance-Equipment.com LLC
Attn: Monty Henry
661 Jasper Ave. Ste. #A
Ventura, California 93004-2390 USA
Also, when you send the unit back put "No Signature Required" on the shipping label.
Please send me the tracking# when done.
*** All rentals must be returned with the printed parts lists and all items as mentioned on the parts lists.
We reserve the right to continue charging a rental fee until ALL parts and accessories are returned with each rental product.
I apologize for the inconvenience.
We have a life-time warranty / guarantee on all products. (Includes parts and labor).
Our Guarantee, Equipment Rental, Return and Price Policy:
http://www.dpl-surveillance-equipment.com/policies.html
We're also open 24/7/365!
We appreciate your business.
(818) 344-3742 Local
(888) 344-3742 Toll Free
Monty
--
Proof of Shipment
This shipment is scheduled to be sent on 12/02/2014. See "Preparing for Delivery" for helpful tips Tracking # 772059627974
Ship (P/U) date: Tuesday, 12/2/14 Monty Henry DPL-Surveillance-Equipment.com Ventura, CA 93004 US
Initiated:
Estimated delivery date: Wednesday, 12/3/14 8:00 PM Angela Alvarez 11534 E. Ride Dr. JACKSONVILLE, FL 32223 US
Shipment Facts:
Tracking number: 772059627974
Service type: FedEx Standard Overnight Packaging type: FedEx Box Number of pieces: 1 Weight: 1.00 lb. Special handling/Services: Direct Signature Required Deliver Weekday Residential Delivery
Updated: 1-25-2015: 5:11am
Angela: BTW, I never said I was a Jehovah's Witness because I'm not. I am not a member of their congregation. I just said that I like their beliefs and that they were wholesome. Geez, you are an idiot.
Monty: You're stalking me!
I'll add this transcript to my records and blog, thanks:)
Update: 2-2-2015
Updated: 2-12-2015
Customer Files For Pre-Arbitration
Pre-Arbitration!!! (BS!!!!)
This particular attached document (Chargeback-Credited-2-2-2015.pdf) states in plain English "If you submit a response (which I did not) and your account is credited (which it was), it is possible that the cardholder or issuing bank may continue to dispute the transaction.
The above statement makes absolutely no sense, considering that I submitted absolutely no response and yet the cardholder and issuing bank still continues to dispute the transaction!
Why don't you just state: "It doesn't matter what you do or don't do, it is possible that the cardholder or issuing bank may continue to dispute the transaction."
$%$## morons!!!!
Who writes this crap!!!!
The documentation I provided earlier should be sufficient to prove that the customer who was renting at the time had plenty of time to either call me for tech. support or simply return the rental. There was absolutely no reason for her to keep the rental for at least (4) weeks before realizing that there was a problem. Did she provide some proof to you guys that she called, emailed or faxed me over that same time frame only to get no response? If you have proof that I ignored her then please forward the same to me for my records. If that proof doesn’t exists then she’s lying just like she’s doing now. Why is Discover even letting this go this far? I gave you all plenty of documentation of what happened including all emails, shipment tracking#s, chat transcripts, etc.
Why am I threatened with having to pay arbitration costs just because I’m doing what any honest person (business) would do? I’m just defending myself against a dishonest customer. She told me after week (2) as I already mentioned on the attached document that she lost her business as a way to get my sympathy and not charge her. Who gets to rent something forever and never pay for it when you could simply return it and stop the clock?
I’m not sure who’s scamming me more, Elavon, Discover or Angela Alvarez!
Thanks,
Monty
Updated 2-13-2015
Chargeback Case# 1021-0817-04
Now this is pretty %$$#^ pathetic! I spoke to Shawn (I think that's the proper spelling) and I was told that even though merchants are compelled to provide as much documentation as possible during the chargeback process our (merchants) documentation is passed along to the cc issuer (Discover in this case) or bank. However, the customer's information/documentation is not to be revealed to the merchant! WTF!!! Whatever happened to transparency and mutual disclosure?? How do we even know what we're fighting and whether or not the customer is being truthful or whether or not the customer has submitted anything at all?
We merchants need to get together and contact the State Attorney General's office (in Utah? or wherever Discover is headquartered) and have these scam companies(Discover and Elavon) shut down asap!!
cc: District Attorney Office:
cc: State Attorney General's Office:
I've listed over twenty individual complaints from "Discover" customers! I actually got tired of listing them. Where are these idiot regulators and public servants when you need them?
I encourage anyone operating a business online or offline to stay as far away from "Discover" and "Elavon" as possible as they will allow every crook and scammer with a credit card to rip-you-off and they will do their best to run your business into the ground as quickly as possible.
Just look read this blog and see for yourself!!!
Please share this information on every social media website you can think of!!
Monty Henry, Owner
DPL-Surveillance-Equipment.com Open 24/7/365! (888) 344-3742 or (818) 344-3742 (Spy Store)
Life-Time Warranties!
(Buy/Rent/Layaway)
Consumer Complaints And Reviews For Discover
CLAY of San Antonio, TX on Jan. 12, 2015
I have an IRA that has matured. Following their written instructions, I completed the required form to transfer funds to a local bank. 5 days later I received notification that they could not process the form and they needed a similar form initiated by my local bank. I contacted customer service and got a call center and a trainee moron reading from a prepared script. The rep. would not get off her script and I lost my cool. Do not ever even consider doing business with Discover. They are unprofessional, rude and totally unprepared to solve any customer related issue. They will use any tactic to hold onto your funds as long as possible. I don't know when my IRA funds will ever be transferred. This company should be put out of business. They are incompetent, crooked and liars.
Michael of Pahoa, HI on Jan. 1, 2015
Discover Card is a BAIT and SWITCH. I applied for a Discover credit card three months ago. I applied for a couple of other cards at the same time and all had an offer of 0% interest for at least one year. Discover's offer was for 14 months at 0% and I was accepted immediately and was told my card would be here soon.
After receiving my card I used it only three times and all online because I realized very quickly that very few businesses accept the Discover card.
I received my first statement and all was good, I wasn't charged any interest. The second statement came and there it is... a charge for interest. I wrote the company and reminded them that when I applied I was granted a card with 14 months of 0% interest. I received no response. The third statement came and again there was interest charged to my card. I called immediately and spoke to an operator who told me that the card I was approved for was not interest free! What?!!! I told her I applied for the card that said NO INTEREST and was accepted immediately with NO information stating I would be charged interest. This is a classic BAIT and SWITCH! Discover Card will get you in with 'this is what you get' then charge you differently when you actually use it. YOU WILL GET RIPPED OFF WITH DISCOVER CARD! Liars and thieves.
Bob of Mullica Hill, NJ on Dec. 26, 2014
Wanted to transfer 4 beforehand. Told them about all 4 credit card balances. A zero balance for 18 months. Didn't have a high enough offer. Could only do 2 transfers. They went and took a partial amount of one to max out the transfer and charged me a transfer fee on all 3 they chose which 3rd card to transfer without talking to me. I still have a payment on the 3rd card as well.
MFirst of Tuscaloosa, AL on Dec. 25, 2014
These idiots cut down my credit without notification and made my card in minus, spoiling my credit score. Will pay off and never again! Do not bother.
Jose of Livingston Manor , NY on Dec. 5, 2014
I was contacted by Laurel ** telling me that I could get a loan with them and get cash out to pay my bill so she took everything over the phone. Then I fax it to the office she put in. They come back and tell me that they could do this loan, a appraisal was paid and order $400 dollars app, came in at 96,000. Everything was ok. She call me up and tell me that week should be closing on this loan by Dec 5 2014 or by Dec 8. She told me this on Dec 2, 2014 then she went on to say that I should do not need to buy my mortgage this month, that what she will do. The next day at 5:15 pm I get a call from her telling me that the closing is not happen, that the underwriter does not want to sign on it because my payment is going higher than just me. I am sorry, I want people to now that this company is a good liar. Do not do anything with them.
Volterra of San Francisco, CA on Nov. 16, 2014
I cancelled my Discover Card I have had since 1987. That's right, after more than 27 years. Here is why you should avoid Discover Card:
(1) When you pay your Discover statement with a personal check, Discover will retain your checking account information forever illegally. Discover does this under the guise of customer convenience. But they do this without your authorization, and without your choice to keep or delete, which is illegal. All other banks will give you the choice to keep or delete this type of information. But Discover will not give you the choice. This is a huge security hole. What it means is that a thief can call Discover, gain access to Discover account on the phone and then proceed to transfer an unlimited amount of funds out of your checking account into your Discover Card as a payment. So the thief can make purchases and empty out your checking account. One has to ask why Discover Card refuses to acknowledge keeping this information is illegal and why Discover Card so tightly holds on to this information.
It is clear Discover Card will use this information against you in an adverse situation, they will empty out your checking account themselves without your consent. So Discover Card themselves are equivalent to a thief. And don't rely on fraud protection. If your checking account is emptied out, Discover Card covering fraudulent purchases won't help you. And good luck dealing with your bank in such a situation, you will have your bank and Discover pointing fingers at each other, neither of whom will help you.
(2) Discover Card no longer accepts cash payments as Sears. This is un-American. Imagine a bank in the USA that will not accept cash legal tender for payment. That bank is Discover Financial Services now in the year 2014.
(3) If you pay back your account in full each month, you are in for a surprise. Say you make a large purchase, like appliances, that uses up a large fraction of your credit limit. When you make your payment, Discover Card will almost immediately remove funds from your checking account but it will take Discover Card 14 to 21 days to credit your account. While that is happening, you won't have access to your credit line for that time. Even if you are in good standing with all your credit cards and banks. Citi/Chase/WFB MC/Visa don't operate this way.
(4) You will never be able to use Discover in Canada or anywhere else outside the USA for anything at all, maybe for chewing gum at an airport but not beyond that like a hotel, rental car, etc.
(5) During the financial crisis years of 2008-2009, Discover Card sent those promotional checks with 99.0% interest rate. Not a joke. I kept them as a souvenir. Discover Card knows they sent them. Totally illegal. Discover Financial Services is an illegal and fraudulent operation.
(6) Customer Service at Discover Cards is ignorant. They claimed at one point that checking account information disappears after 6 months but I know that is a lie. I know that because I used card after more than a year of not needing/using it and when I called automated system I happened to come across pay by phone feature and that is where I discovered (no pun intended) they had my checking account information in their system without my authorization. Their CS dept is ignorant and unprofessional. I know that upon talking to a few supervisors who lied through their teeth regarding illegal holding of checking account information.
(7) They cash-back bonus rate is no longer competitive (actually not for quite a long time). You have to spend $3000 just to get rate up from 0.25% to 1%. Then you have to repeat the next year. The 5% bonus is nice up to $1500 but only on rotating categories and no way is it worth having your checking account information open to thieves.
So after 27 years I cancelled Discover Card. Strongly recommend you avoid Discover Card. There are many other choices with better cash back rates and with much more professional and legal services.
Charo of Clifton, NJ on Nov. 13, 2014
After receiving a letter from Discover Personal Loans offering competitive interest rate of 6.99% to 18.99% on personal loans, my husband decided to applied last month. Even though he has excellent credit and does not have any late payment on his credit report, he only qualified for 13.99% interest rate. Today, I received a letter this time under my name, so my husband right away said "Don't even bother, that is false advertisement". I disagreed and decided to applied. What a disappointment. After an hour of back and forth question, they came back with the same interest rate they offered my husband the previous month. I asked, "how do you determine who qualifies for a 6.99%?" The rep. was not able to answer the question. I insisted and her answer was "there are several factor". I maintained calm through the whole conversation because I understand that the rep was just doing her job (poorly because she had no knowledge of the factors).
To make this story even better, I was transferred to a manager where she basically told me the same thing. She said that she was going to look into this further. I told her, "please do not waste my time unless you offer me a LOWER interest rate (I previously mentioned to the rep that I was paying an interest rate of 11.99%)." The manager insisted and just kept reading from a computer screen telling how the 13.99% was going to benefit me. I finally said to her, "You are not listening to what I am telling you. You keep reading from your computer screen and it is aggravating me...is better to end this conversation because I do not want to take my frustration on you". Total waste of time! Do yourself a favor if you receive their advertisement and not even bother! DISCOVER if this is a false advertisement, the least that you can do is hire people that support your FALSE information!!
E of Ithaca, NY on Oct. 26, 2014
The application process has taken more than 1 month for me already. To activate my card, customer service asked me about the mascot of a college sports team that never existed in my college. Once I provided the "wrong" answer, my account was transferred to the fraud prevention center. You cannot initiate calls with them-you HAVE TO wait for them to call back in 24-48 hours. I was then told to fax my documents. Note that I MUST FAX - mail, let alone emails are not acceptable!
I faxed my documents through a FEDEX office, with a successful delivery receipt, and Discover declined to have received them. I was then provided with a completely different fax number! So where did my confidential information go to? I DON'T KNOW! With regards to one of the 5-star reviews, yes indeed, customer service does pick up calls promptly. HOWEVER, to what extent are they helpful at all? I have been calling them EVERY DAY about the status of my application for one month - more frequently than my boyfriend, but still my application is undergoing a FRAUD examination! Note that I CANNOT use my card in the first place!
Today, it took me 20 minutes to go through the security questions and get a 1-800 contact number! Do you really need to know my favorite restaurant to give me a 1-800 number? In fact, I have been calling Discover SO Many times that I can MEMORIZE their background music when my call is not picked up!! CERTAIN offices do not operate 24/7. I dialed a 1-866 number three weeks ago, a lady started off by going, "do you know what time it is?" A few minutes ago, the fraud prevention office did not pick up my call but played a automatic response. I knew this because automatic response does not go after 2 beeps. I am utterly appalled by the inconsistent service attitude. I was also FORCED to provide non-mandatory information, for example, the name of my company, which I AM SURE, that one does not need to provide from my past credit card experience.
AND I went through the ordeal for a credit card that has only 1500 limit!!!! It is not even enough to pay my rent, let alone other living expenses. I would probably keep my account open for credit score purposes, but I WILL NEVER EVER touch this card and I will make sure that my loved ones stay away from this company.
Dario of Aurora, CO on Oct. 19, 2014
I am extremely disappointed with DISCOVER. I opened the credit card with intentions of doing a balance transfer from my CHASE account amount of $3100. The payment was done and completed to CHASE, then 2 days later DISCOVER canceled my balance transfer. I called and spoke to Mattew, which he never tried to help me with anything but all he did was giving me excuses on why the balance transfer was canceled. NOT MY FAULT! Discover dropped the ball somehow and tried to put the blame on me. Now I canceled my credit card and also will cancel my wife's credit card from DISCOVER. I will also make sure anyone knows my issue and prevent them from going to DISCOVER. DISCOVER WASTED MY TIME AND MONEY! Now I have my first late payment through CHASE because of discover. Please read reviews before submitting applications.
Billie of Bowie, MD on Oct. 18, 2014
My minimum payment was due on the 11th. I went online on the 11th at 5:30 pm and paid my bill. I noticed my account read 'past due'. I Sent a message and received a reply stating it was past 5:00 so they were raising my apr but would not charge a late fee. I called, spoke to a supervisor and they said they wouldn’t raise the apr. I was emailed today the 17th my new statement which wasn't the usual statement, it had a late warning for my November bill. It's still October! Plus they charged me the late fee and raised the APR!! I called again and they told me the woman was unable to help me that I'd spoken with and it will be a few days before I know what they'll do! All of this because I was a half hour late. The 11th was a Saturday and they claim the cut off time is at 5:00. So because I paid a half hour late on the due date this is happening!! Discover is truly a greedy and nasty company. I've been w/ them for 20 yrs! I'm just floored over this! They also sent me 3 different messages, all reading something different!! They want you to be late! They want to rip you off!!
Elizabeth of St. Paul, MN on Aug. 19, 2014
Attempting to pay off balance via Bank of America Balance Transfer Check and am now into Day 10 with no payment posted (nor showing as pending). Why is it that checks mailed from our bank account get processed within 2-3 days but checks from another Credit Card account take so long? Oh, I know, Discover can continue to charge interest each day... Note: I'll be following up with another review WHEN/IF the payment ever posts.
Tammy of Wasco, CA on Aug. 16, 2014
I consolidated my credit card debt and; had a payment plan set up with Achieve Financial Security, which sold out, after my contract ended. Discover hired Zwicker and Assoc. to sue me. I settled to pay 6 payments of $532.00 to get out of debt. My payments were to begin in June 2012 and the contract would end in December 2012. Discover garnished my wages illegally. I had a signed contract. They waited until Jan. 2013 to say they didn't receive a payment for June 2012. Over a year later they sued me again. I called the court house to see when the court date was and found out it was all over. I ended up paying over $1600.00 to resolve their mistake. I was told that they charged 30% interest on the $532.00 and that's why it jumped so high.
Buried of Atlanta, GA on Aug. 15, 2014
I placed a balance transfer of amount $4,350 from Discover to Wells Fargo. Discover NEVER deposited the amount, but they shows the transaction on my account on 07/21/2014. I immediately contact Discover disputing the transfer with the assistance from WF. The personnel contacted Discover, and found it was a fault on Discover end as they couldn't even track the check number for my transaction. I was informed that it'd take up to 15 days to resolve this issue. Though it has been 24 days since, the issue hasn't been resolved yet. WHAT TYPE OF INCOMPETENT PEOPLE RUN THIS BUSINESS?
Now, while the case is still in dispute, I see Discover posts a minimum payment of $90 to be paid by certain deadline. Com'on Discover, I HAVE NOT RECEIVED YOUR MONEY. HOW COULD THEY ASK MONEY THAT THEY NEVER PAY? This is WORST experience I've had with any financial service providers. As of today, I maintain WF, BoA, Chase, AmEx, CapitalOne, Barclay, USBank - never had such an issue, and never took such long to get fixed if something went wrong.
Katherine of San Bruno, CA on Aug. 1, 2014
I mailed to your Carol Stream IL facility, an envelope with a dated letter containing pertinent information to credit to my account two separate checks. One was for $75.00. The second check listed was for $XX,XX0.00 drawn on ** Credit Union. All three documents were together with a staple. When my account info update was sent to me, the $75.00 check was posted and credited to my account, but the much larger check was not shown or posted. I began my many calls to your cust svc, being transferred from one location to another.
After several hours, I gave up. I knew that the $XX,XXX.00 check had arrived because it was in the same envelope as the $75.00 which shown received. Someone in your billing dept. advised that payments sent to Carol Stream IL were handled by a third party and everything was automated. I had to put a stop payment on the missing check. Frustrated that a check with a large amount and lots of personal financial information had gone missing in your house. Obviously the needed systems to help your customers feel helped or have an important troubling issue resolved are not available at Discover.
Pat of Key Largo, FL on July 25, 2014
My husband died. I called Discover to advise. Though I have had my own card since 1989, my husband was the primary. They advised me that they were cancelling immediately. Discover was my primary credit card. I asked why I couldn't continue to use the card I had until a new one was processed. I was told no and advised as to the amount I now owed on the present card. I have never been late in a payment and pay my total bill every month. I am absolutely outraged at their insensitivity and will advise everyone I know as their rudeness and unprofessional attitude.
Pamela of Hessmer, LA on July 13, 2014
Two men called me in the same call and said I missed July payment. It was a human error. I am 63 and my husband is in Renal failure and I have been juggling all of our bill. I told them and I begged them not to ruin my FICo score of 833. They said 'Pay $90.00 right now." My $10,000 credit line was reduced to $2500. They said that the small balance I had left was to be made in 4 payments of $80.00. I paid them their 'devil' (word in dictionary) money with my Citi Bank Card (which isn't much better)..
I will NEVER, NEVER use them again, even if I am starving on Skid Row. They doubled my interest rate and I actually had to beg, beg them to keep them from reporting this ONE payment, which the minimum was $35, I believe. I hardly use credit cards but this was Sears (who started Discover, because they are so expensive).
Teresa of Charleston, WV on July 1, 2014
In 2009, I lost my job and became very ill. The interest on credit cards started to climb. I got behind on my payments and had to enter into payment arrangements with six credit card companies to repay the money. Discover was one of them. I paid Discover $200.00 every month. My last scheduled payment - a payment which Discover indicated would be the last one was set for July 2014 in the amount of $200.00. Unfortunately, Discover miscalculated when the last payment would occur and the amount. My last payment turned out to be for $72.78 in June 2014. Instead of debiting that money out of my account, Discover debited another $200.00. In other words, Discover took an extra $127.22 that it was not entitled to.
I check my bank account almost every day. On June 25, 2014, I saw that the money had been debited out of my account so after 10:00 p.m. I called one of Discover's 1-800 numbers and spoke to a CSR who was very kind. At first she told me they would have to refund the $127.22 by check which would take seven to ten business days. I told her that I shouldn't have to wait that long and that if the company could debit the money out, they could credit it back in. She said that they could do a credit but that it would take 72 hours. She took my account number and my routing number and reiterated that the money would be back in my account within 72 hours.
During the course of the conversation she indicated that I had another payment scheduled for July. I told her that should not be occurring because I just paid it off. She told me that she could not cancel the payment and that I would have to call RCMA the next day to cancel it. I also asked her to lodge a complaint for me because I couldn't understand why I should have to go through so many hoops to get my money reimbursed and stop payment on something Discover wasn't entitled to. I explained that I had set up payments with six companies and that Discover was number 5 that I had paid off. Of the five - Discover was the only company who took an amount over and above what it was entitled to for the last payment. The other four companies took exactly what was owed for the last payment - which was something less than what had been debited out every month and that they automatically stopped payment after that without my having to call them and tell them.
The next day I contacted RCMA and told them to cancel my July payment because I had already paid it off. The CSR acted like it was my fault that there was an extra month's payment that Discover had scheduled. I explained to her that I had no choice. I was told when my last payment would be and I had to agree. However, it is not my fault that the person who set up the repayment arrangement erred. The CSR assured me that she had canceled the July payment. Some 36 hours later, I received an email from Discover which indicated that I would have a final payment of $200.00 in July even though the letter showed that I had a $127.22 credit as a result of my June payment and even though I had been assured by the CSR the day before that my July payment had been canceled.
On Friday morning, June 27, 2014, I called and spoke to yet another CSR. I explained the situation including that I had been advised Wednesday morning that my July payment had been canceled but had received an email on Thursday telling me that I would have a July payment. He assured me that I would not have a payment debited out in July. We also talked about the refund that I was expecting to be credited back into my account. I explained that I had not received it yet. He indicated that it was in the works and that if it didn't show on Monday, I should call back.
I got home from work at 6:00 p.m. today. I checked my bank account again and saw that the money was not there. I called Discover again and got passed around. The second person I spoke with told me that the refund was not being credited back into my account but had gone out in the mail. She couldn't really tell my why I had initially been told that the money would be credited to my account. I asked to speak to a supervisor. The supervisor said they don't usually credit refunds back into accounts and that it would take longer to do that than to send the money via snail mail. He said it would take 15 days instead of 72 hours to credit it back in my bank account. He also indicated that the money was slated to be placed in the mail tomorrow. He would not credit the money back into my account immediately. He would not overnight the check to me and he would not even give me a guarantee that the check would be placed in the mail tomorrow. So here we are four business days into the matter and the check is not even in the mail and I have been given nothing but misinformation. I again asked about the cancellation of the July payment and was again assured by the Supervisor that it had been canceled. But at this point, I am not sure what to believe.
I will admit to not being very pleasant by this time because of the run around. I went through a very painful time of losing my job and being ill. Where I once had excellent credit, I was now being hounded by creditors. I entered into the repayment agreements in good faith and I kept my word to pay off the cards. I find it unfair that I am made to wait for my refund which at the most should have taken 72 hours to repay. I am also disheartened by the cavalier attitude of the CSRs. More than anything else, I am bothered by the number of people Discover must be doing this to.
All I want is my money back and a guarantee that Discover would not debit any more money out of my account since I have paid them off and owe them nothing. I cannot be the only one this is happening to. I wonder how many people don't even realize that Discover is taking extra money and holding on to it. Discover might want to consider following the lead of the other credit card companies who have it right and debit only what is owed in the final payment and automatically cancel all remaining payments once the balance due hits $0. Otherwise, Discover may be facing a class action lawsuit. I for one intend to spread the word.
Cheryl of Bonham, TX on June 23, 2014
I've been looking for one major credit card to have in our financial portfolio and I know lots of people with Discover Card. Well they sent me an offer of 10.99 but when I received the card in the mail it was 19.99. So I called to find out and was told that offer could be anywhere from 10.99 to 16.99. But that in itself was a lie. That is not what the approval agreement said. It said due to your credit history and rating you will get 10.99. Needless to say I will be cutting up this card if that is any indication of how Discover does business.
Janine of Levittown, NY on May 23, 2014
So happy to see other negative reviews on Discover Credit Card. I thought I was the only one that was dissatisfied. After today's experience with Discover, I have closed my account. They argued stating they have made "several" outreaches to me by email, mail and phone. I reported that I never received any of the above. Easily proven when they read back my phone contact number and it was incorrect so I needed to restate my phone number to correct them. So due to a $28.71 late charge that Mr. Mike ** would not waive, I closed my account accordingly after years of being a member. Hope Discover enjoys the $28.71 it saved because the $28.71 unfair charge lost me as a consumer and I will cheerfully share this experience with friends, family and co-workers. Maybe Discover should give Mr. Johnston the $28.71 as a bonus for a job well-done.
Kelly of Frisco, TX on May 20, 2014
I wanted to renew my Avast software on my computer which is usually $34.99. I hadn't used my laptop in a while and after noticing my acct was charged at the beginning of May for $30 from Avast I decided to get on my laptop to see if it was my anti-spyware renewal. And for some reason it wasn't on my computer so I called Avast to find out what the deal was and the guy guided me through the steps of installing it and it still wouldn't work. So he then proceeded to try to do it himself taking over my computer and told me I had a bunch of viruses and I had to pay $174 for them to fix my computer or it wouldn't work. I told him I didn't want to do that and I just wanted the software downloaded like before. And he proceeded to do stuff to my laptop I have no clue about! I get an email saying my Discover card was charged $194!
I called Avast very next day and they said I authorized a yr of tech support and I argued on the phone with the rude lady saying I didn't want that and I want it cancelled! Knowing that I have a right to cancel any transactions within 3 days AND I didn't know I was being charged that much. She wouldn't credit me back saying, "Sorry no returns." So I called Discover to dispute the charge and they won't credit me back saying the merchant provided documentation of the charge being authorized and since I have no proof or documentation that I am responsible for the charge and no credit will be returned back to me. I explained how I got scammed and thought I was authorizing $34.99 not $194 and they won't do anything about it! Total bs!!! I also explained that it does NOT matter if I authorized the charge or not, BY LAW, I have 3 days to cancel any transactions! But because I don't have proof of cancelling it when I called the merchant, within 24 hrs, and they refusing to credit me back Discover won't help me get my money returned. I'm so pissed!
Sheri of Los Angeles, CA on March 4, 2014
A Discover Card was opened in my name by someone using my identity. Other cards and loans were also opened. Of all of the companies involved in this large identity theft, only Discover Card is holding me liable for ALL charges after closing account for fraud. Is this not an oxymoron? They claim I was aware of two "services". In truth I was but was unaware they were being charged to Discover Card. This was at the beginning of investigation and I knew nothing about Identity Theft at the time or I would have been more clear in my response. One service I never used. The other I stopped.
They twisted my response to make me responsible for over $2300 in transactions when the ones I noted I was aware of totaled approximately $200.00.The person who stole my identity wiped out my bank accounts leaving me with 3 dollars. Discover has been very stern saying they expect me to meet my obligations. This is the Discover card that claims the first missed payment will be forgiven. Because they are internally disorganized, the first person I spoke to in their fraud department told me not to pay. I did not.
It was reported to credit companies and hurt my credit significantly. Therefore they are making bold faced lies in their advertising claims. There is no way I can service the debt on this account. I can barely pay my utilities. This will result in destroyed credit and no access to credit. Before this theft I had zero debt. Decent credit. Now I have debt and Discover is destroying my credit. This is re-victimizing the victim of the highest order and must be stopped.
Pablo of Phila, PA on Jan. 24, 2014
Contacted Discover Home Loans because of the good reviews I read, but after dealing with them I would never recommend them again. Spoke to lender Brad ** and at our first conversation he was great, after a few days of not hearing from him I left several messages and emails and he would not return my calls. After speaking with his supervisor about the matter, he returned my call and stated that my application was denied due to missing documents. After gathering all the missing documents, he stated I did not have. I recalled him and he did not want to help me. He just wants an easy process without doing any additional labor or going beyond to help their consumer. Very disappointed with Discover and more with their unprofessional associate Brad **.
Janie of Clarksville, TN on Dec. 30, 2013
I've been a member of Sam's since 1991, but had Discover as the charge account for less than a year. Have never been late on any payments to anyone in nearly 50 years, but when I went to Sam's in Nov to pick up meds, was in the midst of a major asthmatic attack. They did not have my meds and I left without leaving the payment, making it the next morning when the medicine was due in. I explained to the Sam's membership desk that I was due the night before and the young lady there recalled my asthmatic attack which echoed throughout the facility. It would seem that since they would have had the capability of a one time forgiveness, but no, the next month, I got hit with a $25 charge for the payment being late, even though I'd never been late for a Sam's payment since 1991.
For now, I've kept my Sam's Club membership, as I have my medications through their pharmacy, but since then my purchases have been made using other cards. Discover has certainly given me a very bad taste and makes me question my loyalty to Sam's Club in general. Rules should not be broken, but humanity needs to be applied as well.
Jerry of Daly City, CA on Dec. 18, 2013
Last Year, I used my Discover Card for a major International trip, costing $5000 for just plane tickets. Because they had a promotion, that said purchases will be interest free for up to 1 year, and after that year, the interest rate would be market rate, plus prime. I said I have to take advantage of this special. Anyhow, 1 year into making payments on the large purchase, I came to find out, Discover is now charging me 18% interest on my current balance. When I spoke to Discover Representatives, they said this is a standard procedure to charge high interest rates. I did explain to the Discover Representatives, my credit score is excellent, and my other two credit cards, have interest rates, no higher than 13.5%. Again, Discover could not do much to lower this, in fact they attempted several times, to convince me to transfer other credit card balances to this card. In addition to the ridiculous interest rates, Discover Awarded me $45 towards cash back bonuses, despite the very large purchase I made. Most Credit Card Companies, whether Visa, MC or A/X would have given generous points, or benefits, for my very large purchase. I find Discover Credit Cards to be misleading, and recommend potential customers to do extensive research before enrolling in this card.
Bill of Grand Junction, CO on Dec. 16, 2013
We had our card for 26 years with no late payments and no interest paid. We travel by light airplane and used it all the time. In early October 2013, we flew to Cincinnati from western Colorado and paid for fuel with the card in Kansas City. On arrival in Cincinnati, our rental car was ready but the counter was closed and they could not run the card until the next day. Off to the hotel and dinner. Tried to pay for dinner but card was denied. Used Visa instead. Went back to hotel and asked if card was accepted but told it was not. Paid for that by Visa too. Early the next morning, got a call from the car rental company that card was denied there too.
We had heard nothing from Discover to this point even though they have my home and cell phone numbers and any calls to home are forwarded to cell. Called Discover and they had no explanation for the denials except for "security." They told me the card was good again but could not explain why it was denied or why I wasn't called. Went to two different Discover supervisors about this, telling them they had to call all three businesses, explain it was not their customer's fault and apologize for Discover's error. They refused to do this and I cancelled the card. It has been two months now and I have not received a single call from Discover after 26 years as a customer. I have no idea what they are thinking or if they are thinking...
Heidi of Mount Horeb, WI on Dec. 14, 2013
No One Will Call You Back As They State. Do not Stand behind their Customers on fraudulent charges. FIND A BETTER COMPANY; LIKE VISA or MASTERCARD.
William of W. Plam Beach, FL on Nov. 29, 2013
My wife signed a contract for a course that had a 3 day cancellation policy but the course was taught 2 months down the road. The company, Next Wave Marketing (Adrian Morrison) proved to be, in our opinion, a scam; and what my wife was told the course was to provide proved to be false. As such, the contract was not fulfilled and she received nothing of value for the $5500 spent. We filed a dispute with Discover and expected some help. They blew us off and offered no help. I consider this card to be worthless if you have issues with a merchant. After getting screwed by Morrison and Discover, I cancelled the card. I will never use their miserable services or card again.
David of Little Elm, TX on Nov. 7, 2013
Just a follow-up to my earlier complaint about Discover card. I read the agreement with respect to avoiding interest on balance. This is what I read on Discover website.
"How to Avoid Paying Interest on Purchases (Grace Period) - If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement."
My due date was November 2, 2013 but pay off the balance on October 17, 2013 yet Discover charged me interest.
CLAY of San Antonio, TX on Jan. 12, 2015
I have an IRA that has matured. Following their written instructions, I completed the required form to transfer funds to a local bank. 5 days later I received notification that they could not process the form and they needed a similar form initiated by my local bank. I contacted customer service and got a call center and a trainee moron reading from a prepared script. The rep. would not get off her script and I lost my cool. Do not ever even consider doing business with Discover. They are unprofessional, rude and totally unprepared to solve any customer related issue. They will use any tactic to hold onto your funds as long as possible. I don't know when my IRA funds will ever be transferred. This company should be put out of business. They are incompetent, crooked and liars.
Michael of Pahoa, HI on Jan. 1, 2015
Discover Card is a BAIT and SWITCH. I applied for a Discover credit card three months ago. I applied for a couple of other cards at the same time and all had an offer of 0% interest for at least one year. Discover's offer was for 14 months at 0% and I was accepted immediately and was told my card would be here soon.
After receiving my card I used it only three times and all online because I realized very quickly that very few businesses accept the Discover card.
I received my first statement and all was good, I wasn't charged any interest. The second statement came and there it is... a charge for interest. I wrote the company and reminded them that when I applied I was granted a card with 14 months of 0% interest. I received no response. The third statement came and again there was interest charged to my card. I called immediately and spoke to an operator who told me that the card I was approved for was not interest free! What?!!! I told her I applied for the card that said NO INTEREST and was accepted immediately with NO information stating I would be charged interest. This is a classic BAIT and SWITCH! Discover Card will get you in with 'this is what you get' then charge you differently when you actually use it. YOU WILL GET RIPPED OFF WITH DISCOVER CARD! Liars and thieves.
Bob of Mullica Hill, NJ on Dec. 26, 2014
Wanted to transfer 4 beforehand. Told them about all 4 credit card balances. A zero balance for 18 months. Didn't have a high enough offer. Could only do 2 transfers. They went and took a partial amount of one to max out the transfer and charged me a transfer fee on all 3 they chose which 3rd card to transfer without talking to me. I still have a payment on the 3rd card as well.
MFirst of Tuscaloosa, AL on Dec. 25, 2014
These idiots cut down my credit without notification and made my card in minus, spoiling my credit score. Will pay off and never again! Do not bother.
Jose of Livingston Manor , NY on Dec. 5, 2014
I was contacted by Laurel ** telling me that I could get a loan with them and get cash out to pay my bill so she took everything over the phone. Then I fax it to the office she put in. They come back and tell me that they could do this loan, a appraisal was paid and order $400 dollars app, came in at 96,000. Everything was ok. She call me up and tell me that week should be closing on this loan by Dec 5 2014 or by Dec 8. She told me this on Dec 2, 2014 then she went on to say that I should do not need to buy my mortgage this month, that what she will do. The next day at 5:15 pm I get a call from her telling me that the closing is not happen, that the underwriter does not want to sign on it because my payment is going higher than just me. I am sorry, I want people to now that this company is a good liar. Do not do anything with them.
Volterra of San Francisco, CA on Nov. 16, 2014
I cancelled my Discover Card I have had since 1987. That's right, after more than 27 years. Here is why you should avoid Discover Card:
(1) When you pay your Discover statement with a personal check, Discover will retain your checking account information forever illegally. Discover does this under the guise of customer convenience. But they do this without your authorization, and without your choice to keep or delete, which is illegal. All other banks will give you the choice to keep or delete this type of information. But Discover will not give you the choice. This is a huge security hole. What it means is that a thief can call Discover, gain access to Discover account on the phone and then proceed to transfer an unlimited amount of funds out of your checking account into your Discover Card as a payment. So the thief can make purchases and empty out your checking account. One has to ask why Discover Card refuses to acknowledge keeping this information is illegal and why Discover Card so tightly holds on to this information.
It is clear Discover Card will use this information against you in an adverse situation, they will empty out your checking account themselves without your consent. So Discover Card themselves are equivalent to a thief. And don't rely on fraud protection. If your checking account is emptied out, Discover Card covering fraudulent purchases won't help you. And good luck dealing with your bank in such a situation, you will have your bank and Discover pointing fingers at each other, neither of whom will help you.
(2) Discover Card no longer accepts cash payments as Sears. This is un-American. Imagine a bank in the USA that will not accept cash legal tender for payment. That bank is Discover Financial Services now in the year 2014.
(3) If you pay back your account in full each month, you are in for a surprise. Say you make a large purchase, like appliances, that uses up a large fraction of your credit limit. When you make your payment, Discover Card will almost immediately remove funds from your checking account but it will take Discover Card 14 to 21 days to credit your account. While that is happening, you won't have access to your credit line for that time. Even if you are in good standing with all your credit cards and banks. Citi/Chase/WFB MC/Visa don't operate this way.
(4) You will never be able to use Discover in Canada or anywhere else outside the USA for anything at all, maybe for chewing gum at an airport but not beyond that like a hotel, rental car, etc.
(5) During the financial crisis years of 2008-2009, Discover Card sent those promotional checks with 99.0% interest rate. Not a joke. I kept them as a souvenir. Discover Card knows they sent them. Totally illegal. Discover Financial Services is an illegal and fraudulent operation.
(6) Customer Service at Discover Cards is ignorant. They claimed at one point that checking account information disappears after 6 months but I know that is a lie. I know that because I used card after more than a year of not needing/using it and when I called automated system I happened to come across pay by phone feature and that is where I discovered (no pun intended) they had my checking account information in their system without my authorization. Their CS dept is ignorant and unprofessional. I know that upon talking to a few supervisors who lied through their teeth regarding illegal holding of checking account information.
(7) They cash-back bonus rate is no longer competitive (actually not for quite a long time). You have to spend $3000 just to get rate up from 0.25% to 1%. Then you have to repeat the next year. The 5% bonus is nice up to $1500 but only on rotating categories and no way is it worth having your checking account information open to thieves.
So after 27 years I cancelled Discover Card. Strongly recommend you avoid Discover Card. There are many other choices with better cash back rates and with much more professional and legal services.
Charo of Clifton, NJ on Nov. 13, 2014
After receiving a letter from Discover Personal Loans offering competitive interest rate of 6.99% to 18.99% on personal loans, my husband decided to applied last month. Even though he has excellent credit and does not have any late payment on his credit report, he only qualified for 13.99% interest rate. Today, I received a letter this time under my name, so my husband right away said "Don't even bother, that is false advertisement". I disagreed and decided to applied. What a disappointment. After an hour of back and forth question, they came back with the same interest rate they offered my husband the previous month. I asked, "how do you determine who qualifies for a 6.99%?" The rep. was not able to answer the question. I insisted and her answer was "there are several factor". I maintained calm through the whole conversation because I understand that the rep was just doing her job (poorly because she had no knowledge of the factors).
To make this story even better, I was transferred to a manager where she basically told me the same thing. She said that she was going to look into this further. I told her, "please do not waste my time unless you offer me a LOWER interest rate (I previously mentioned to the rep that I was paying an interest rate of 11.99%)." The manager insisted and just kept reading from a computer screen telling how the 13.99% was going to benefit me. I finally said to her, "You are not listening to what I am telling you. You keep reading from your computer screen and it is aggravating me...is better to end this conversation because I do not want to take my frustration on you". Total waste of time! Do yourself a favor if you receive their advertisement and not even bother! DISCOVER if this is a false advertisement, the least that you can do is hire people that support your FALSE information!!
E of Ithaca, NY on Oct. 26, 2014
The application process has taken more than 1 month for me already. To activate my card, customer service asked me about the mascot of a college sports team that never existed in my college. Once I provided the "wrong" answer, my account was transferred to the fraud prevention center. You cannot initiate calls with them-you HAVE TO wait for them to call back in 24-48 hours. I was then told to fax my documents. Note that I MUST FAX - mail, let alone emails are not acceptable!
I faxed my documents through a FEDEX office, with a successful delivery receipt, and Discover declined to have received them. I was then provided with a completely different fax number! So where did my confidential information go to? I DON'T KNOW! With regards to one of the 5-star reviews, yes indeed, customer service does pick up calls promptly. HOWEVER, to what extent are they helpful at all? I have been calling them EVERY DAY about the status of my application for one month - more frequently than my boyfriend, but still my application is undergoing a FRAUD examination! Note that I CANNOT use my card in the first place!
Today, it took me 20 minutes to go through the security questions and get a 1-800 contact number! Do you really need to know my favorite restaurant to give me a 1-800 number? In fact, I have been calling Discover SO Many times that I can MEMORIZE their background music when my call is not picked up!! CERTAIN offices do not operate 24/7. I dialed a 1-866 number three weeks ago, a lady started off by going, "do you know what time it is?" A few minutes ago, the fraud prevention office did not pick up my call but played a automatic response. I knew this because automatic response does not go after 2 beeps. I am utterly appalled by the inconsistent service attitude. I was also FORCED to provide non-mandatory information, for example, the name of my company, which I AM SURE, that one does not need to provide from my past credit card experience.
AND I went through the ordeal for a credit card that has only 1500 limit!!!! It is not even enough to pay my rent, let alone other living expenses. I would probably keep my account open for credit score purposes, but I WILL NEVER EVER touch this card and I will make sure that my loved ones stay away from this company.
Dario of Aurora, CO on Oct. 19, 2014
I am extremely disappointed with DISCOVER. I opened the credit card with intentions of doing a balance transfer from my CHASE account amount of $3100. The payment was done and completed to CHASE, then 2 days later DISCOVER canceled my balance transfer. I called and spoke to Mattew, which he never tried to help me with anything but all he did was giving me excuses on why the balance transfer was canceled. NOT MY FAULT! Discover dropped the ball somehow and tried to put the blame on me. Now I canceled my credit card and also will cancel my wife's credit card from DISCOVER. I will also make sure anyone knows my issue and prevent them from going to DISCOVER. DISCOVER WASTED MY TIME AND MONEY! Now I have my first late payment through CHASE because of discover. Please read reviews before submitting applications.
Billie of Bowie, MD on Oct. 18, 2014
My minimum payment was due on the 11th. I went online on the 11th at 5:30 pm and paid my bill. I noticed my account read 'past due'. I Sent a message and received a reply stating it was past 5:00 so they were raising my apr but would not charge a late fee. I called, spoke to a supervisor and they said they wouldn’t raise the apr. I was emailed today the 17th my new statement which wasn't the usual statement, it had a late warning for my November bill. It's still October! Plus they charged me the late fee and raised the APR!! I called again and they told me the woman was unable to help me that I'd spoken with and it will be a few days before I know what they'll do! All of this because I was a half hour late. The 11th was a Saturday and they claim the cut off time is at 5:00. So because I paid a half hour late on the due date this is happening!! Discover is truly a greedy and nasty company. I've been w/ them for 20 yrs! I'm just floored over this! They also sent me 3 different messages, all reading something different!! They want you to be late! They want to rip you off!!
Elizabeth of St. Paul, MN on Aug. 19, 2014
Attempting to pay off balance via Bank of America Balance Transfer Check and am now into Day 10 with no payment posted (nor showing as pending). Why is it that checks mailed from our bank account get processed within 2-3 days but checks from another Credit Card account take so long? Oh, I know, Discover can continue to charge interest each day... Note: I'll be following up with another review WHEN/IF the payment ever posts.
Tammy of Wasco, CA on Aug. 16, 2014
I consolidated my credit card debt and; had a payment plan set up with Achieve Financial Security, which sold out, after my contract ended. Discover hired Zwicker and Assoc. to sue me. I settled to pay 6 payments of $532.00 to get out of debt. My payments were to begin in June 2012 and the contract would end in December 2012. Discover garnished my wages illegally. I had a signed contract. They waited until Jan. 2013 to say they didn't receive a payment for June 2012. Over a year later they sued me again. I called the court house to see when the court date was and found out it was all over. I ended up paying over $1600.00 to resolve their mistake. I was told that they charged 30% interest on the $532.00 and that's why it jumped so high.
Buried of Atlanta, GA on Aug. 15, 2014
I placed a balance transfer of amount $4,350 from Discover to Wells Fargo. Discover NEVER deposited the amount, but they shows the transaction on my account on 07/21/2014. I immediately contact Discover disputing the transfer with the assistance from WF. The personnel contacted Discover, and found it was a fault on Discover end as they couldn't even track the check number for my transaction. I was informed that it'd take up to 15 days to resolve this issue. Though it has been 24 days since, the issue hasn't been resolved yet. WHAT TYPE OF INCOMPETENT PEOPLE RUN THIS BUSINESS?
Now, while the case is still in dispute, I see Discover posts a minimum payment of $90 to be paid by certain deadline. Com'on Discover, I HAVE NOT RECEIVED YOUR MONEY. HOW COULD THEY ASK MONEY THAT THEY NEVER PAY? This is WORST experience I've had with any financial service providers. As of today, I maintain WF, BoA, Chase, AmEx, CapitalOne, Barclay, USBank - never had such an issue, and never took such long to get fixed if something went wrong.
Katherine of San Bruno, CA on Aug. 1, 2014
I mailed to your Carol Stream IL facility, an envelope with a dated letter containing pertinent information to credit to my account two separate checks. One was for $75.00. The second check listed was for $XX,XX0.00 drawn on ** Credit Union. All three documents were together with a staple. When my account info update was sent to me, the $75.00 check was posted and credited to my account, but the much larger check was not shown or posted. I began my many calls to your cust svc, being transferred from one location to another.
After several hours, I gave up. I knew that the $XX,XXX.00 check had arrived because it was in the same envelope as the $75.00 which shown received. Someone in your billing dept. advised that payments sent to Carol Stream IL were handled by a third party and everything was automated. I had to put a stop payment on the missing check. Frustrated that a check with a large amount and lots of personal financial information had gone missing in your house. Obviously the needed systems to help your customers feel helped or have an important troubling issue resolved are not available at Discover.
Pat of Key Largo, FL on July 25, 2014
My husband died. I called Discover to advise. Though I have had my own card since 1989, my husband was the primary. They advised me that they were cancelling immediately. Discover was my primary credit card. I asked why I couldn't continue to use the card I had until a new one was processed. I was told no and advised as to the amount I now owed on the present card. I have never been late in a payment and pay my total bill every month. I am absolutely outraged at their insensitivity and will advise everyone I know as their rudeness and unprofessional attitude.
Pamela of Hessmer, LA on July 13, 2014
Two men called me in the same call and said I missed July payment. It was a human error. I am 63 and my husband is in Renal failure and I have been juggling all of our bill. I told them and I begged them not to ruin my FICo score of 833. They said 'Pay $90.00 right now." My $10,000 credit line was reduced to $2500. They said that the small balance I had left was to be made in 4 payments of $80.00. I paid them their 'devil' (word in dictionary) money with my Citi Bank Card (which isn't much better)..
I will NEVER, NEVER use them again, even if I am starving on Skid Row. They doubled my interest rate and I actually had to beg, beg them to keep them from reporting this ONE payment, which the minimum was $35, I believe. I hardly use credit cards but this was Sears (who started Discover, because they are so expensive).
Teresa of Charleston, WV on July 1, 2014
In 2009, I lost my job and became very ill. The interest on credit cards started to climb. I got behind on my payments and had to enter into payment arrangements with six credit card companies to repay the money. Discover was one of them. I paid Discover $200.00 every month. My last scheduled payment - a payment which Discover indicated would be the last one was set for July 2014 in the amount of $200.00. Unfortunately, Discover miscalculated when the last payment would occur and the amount. My last payment turned out to be for $72.78 in June 2014. Instead of debiting that money out of my account, Discover debited another $200.00. In other words, Discover took an extra $127.22 that it was not entitled to.
I check my bank account almost every day. On June 25, 2014, I saw that the money had been debited out of my account so after 10:00 p.m. I called one of Discover's 1-800 numbers and spoke to a CSR who was very kind. At first she told me they would have to refund the $127.22 by check which would take seven to ten business days. I told her that I shouldn't have to wait that long and that if the company could debit the money out, they could credit it back in. She said that they could do a credit but that it would take 72 hours. She took my account number and my routing number and reiterated that the money would be back in my account within 72 hours.
During the course of the conversation she indicated that I had another payment scheduled for July. I told her that should not be occurring because I just paid it off. She told me that she could not cancel the payment and that I would have to call RCMA the next day to cancel it. I also asked her to lodge a complaint for me because I couldn't understand why I should have to go through so many hoops to get my money reimbursed and stop payment on something Discover wasn't entitled to. I explained that I had set up payments with six companies and that Discover was number 5 that I had paid off. Of the five - Discover was the only company who took an amount over and above what it was entitled to for the last payment. The other four companies took exactly what was owed for the last payment - which was something less than what had been debited out every month and that they automatically stopped payment after that without my having to call them and tell them.
The next day I contacted RCMA and told them to cancel my July payment because I had already paid it off. The CSR acted like it was my fault that there was an extra month's payment that Discover had scheduled. I explained to her that I had no choice. I was told when my last payment would be and I had to agree. However, it is not my fault that the person who set up the repayment arrangement erred. The CSR assured me that she had canceled the July payment. Some 36 hours later, I received an email from Discover which indicated that I would have a final payment of $200.00 in July even though the letter showed that I had a $127.22 credit as a result of my June payment and even though I had been assured by the CSR the day before that my July payment had been canceled.
On Friday morning, June 27, 2014, I called and spoke to yet another CSR. I explained the situation including that I had been advised Wednesday morning that my July payment had been canceled but had received an email on Thursday telling me that I would have a July payment. He assured me that I would not have a payment debited out in July. We also talked about the refund that I was expecting to be credited back into my account. I explained that I had not received it yet. He indicated that it was in the works and that if it didn't show on Monday, I should call back.
I got home from work at 6:00 p.m. today. I checked my bank account again and saw that the money was not there. I called Discover again and got passed around. The second person I spoke with told me that the refund was not being credited back into my account but had gone out in the mail. She couldn't really tell my why I had initially been told that the money would be credited to my account. I asked to speak to a supervisor. The supervisor said they don't usually credit refunds back into accounts and that it would take longer to do that than to send the money via snail mail. He said it would take 15 days instead of 72 hours to credit it back in my bank account. He also indicated that the money was slated to be placed in the mail tomorrow. He would not credit the money back into my account immediately. He would not overnight the check to me and he would not even give me a guarantee that the check would be placed in the mail tomorrow. So here we are four business days into the matter and the check is not even in the mail and I have been given nothing but misinformation. I again asked about the cancellation of the July payment and was again assured by the Supervisor that it had been canceled. But at this point, I am not sure what to believe.
I will admit to not being very pleasant by this time because of the run around. I went through a very painful time of losing my job and being ill. Where I once had excellent credit, I was now being hounded by creditors. I entered into the repayment agreements in good faith and I kept my word to pay off the cards. I find it unfair that I am made to wait for my refund which at the most should have taken 72 hours to repay. I am also disheartened by the cavalier attitude of the CSRs. More than anything else, I am bothered by the number of people Discover must be doing this to.
All I want is my money back and a guarantee that Discover would not debit any more money out of my account since I have paid them off and owe them nothing. I cannot be the only one this is happening to. I wonder how many people don't even realize that Discover is taking extra money and holding on to it. Discover might want to consider following the lead of the other credit card companies who have it right and debit only what is owed in the final payment and automatically cancel all remaining payments once the balance due hits $0. Otherwise, Discover may be facing a class action lawsuit. I for one intend to spread the word.
Cheryl of Bonham, TX on June 23, 2014
I've been looking for one major credit card to have in our financial portfolio and I know lots of people with Discover Card. Well they sent me an offer of 10.99 but when I received the card in the mail it was 19.99. So I called to find out and was told that offer could be anywhere from 10.99 to 16.99. But that in itself was a lie. That is not what the approval agreement said. It said due to your credit history and rating you will get 10.99. Needless to say I will be cutting up this card if that is any indication of how Discover does business.
Janine of Levittown, NY on May 23, 2014
So happy to see other negative reviews on Discover Credit Card. I thought I was the only one that was dissatisfied. After today's experience with Discover, I have closed my account. They argued stating they have made "several" outreaches to me by email, mail and phone. I reported that I never received any of the above. Easily proven when they read back my phone contact number and it was incorrect so I needed to restate my phone number to correct them. So due to a $28.71 late charge that Mr. Mike ** would not waive, I closed my account accordingly after years of being a member. Hope Discover enjoys the $28.71 it saved because the $28.71 unfair charge lost me as a consumer and I will cheerfully share this experience with friends, family and co-workers. Maybe Discover should give Mr. Johnston the $28.71 as a bonus for a job well-done.
Kelly of Frisco, TX on May 20, 2014
I wanted to renew my Avast software on my computer which is usually $34.99. I hadn't used my laptop in a while and after noticing my acct was charged at the beginning of May for $30 from Avast I decided to get on my laptop to see if it was my anti-spyware renewal. And for some reason it wasn't on my computer so I called Avast to find out what the deal was and the guy guided me through the steps of installing it and it still wouldn't work. So he then proceeded to try to do it himself taking over my computer and told me I had a bunch of viruses and I had to pay $174 for them to fix my computer or it wouldn't work. I told him I didn't want to do that and I just wanted the software downloaded like before. And he proceeded to do stuff to my laptop I have no clue about! I get an email saying my Discover card was charged $194!
I called Avast very next day and they said I authorized a yr of tech support and I argued on the phone with the rude lady saying I didn't want that and I want it cancelled! Knowing that I have a right to cancel any transactions within 3 days AND I didn't know I was being charged that much. She wouldn't credit me back saying, "Sorry no returns." So I called Discover to dispute the charge and they won't credit me back saying the merchant provided documentation of the charge being authorized and since I have no proof or documentation that I am responsible for the charge and no credit will be returned back to me. I explained how I got scammed and thought I was authorizing $34.99 not $194 and they won't do anything about it! Total bs!!! I also explained that it does NOT matter if I authorized the charge or not, BY LAW, I have 3 days to cancel any transactions! But because I don't have proof of cancelling it when I called the merchant, within 24 hrs, and they refusing to credit me back Discover won't help me get my money returned. I'm so pissed!
Sheri of Los Angeles, CA on March 4, 2014
A Discover Card was opened in my name by someone using my identity. Other cards and loans were also opened. Of all of the companies involved in this large identity theft, only Discover Card is holding me liable for ALL charges after closing account for fraud. Is this not an oxymoron? They claim I was aware of two "services". In truth I was but was unaware they were being charged to Discover Card. This was at the beginning of investigation and I knew nothing about Identity Theft at the time or I would have been more clear in my response. One service I never used. The other I stopped.
They twisted my response to make me responsible for over $2300 in transactions when the ones I noted I was aware of totaled approximately $200.00.The person who stole my identity wiped out my bank accounts leaving me with 3 dollars. Discover has been very stern saying they expect me to meet my obligations. This is the Discover card that claims the first missed payment will be forgiven. Because they are internally disorganized, the first person I spoke to in their fraud department told me not to pay. I did not.
It was reported to credit companies and hurt my credit significantly. Therefore they are making bold faced lies in their advertising claims. There is no way I can service the debt on this account. I can barely pay my utilities. This will result in destroyed credit and no access to credit. Before this theft I had zero debt. Decent credit. Now I have debt and Discover is destroying my credit. This is re-victimizing the victim of the highest order and must be stopped.
Pablo of Phila, PA on Jan. 24, 2014
Contacted Discover Home Loans because of the good reviews I read, but after dealing with them I would never recommend them again. Spoke to lender Brad ** and at our first conversation he was great, after a few days of not hearing from him I left several messages and emails and he would not return my calls. After speaking with his supervisor about the matter, he returned my call and stated that my application was denied due to missing documents. After gathering all the missing documents, he stated I did not have. I recalled him and he did not want to help me. He just wants an easy process without doing any additional labor or going beyond to help their consumer. Very disappointed with Discover and more with their unprofessional associate Brad **.
Janie of Clarksville, TN on Dec. 30, 2013
I've been a member of Sam's since 1991, but had Discover as the charge account for less than a year. Have never been late on any payments to anyone in nearly 50 years, but when I went to Sam's in Nov to pick up meds, was in the midst of a major asthmatic attack. They did not have my meds and I left without leaving the payment, making it the next morning when the medicine was due in. I explained to the Sam's membership desk that I was due the night before and the young lady there recalled my asthmatic attack which echoed throughout the facility. It would seem that since they would have had the capability of a one time forgiveness, but no, the next month, I got hit with a $25 charge for the payment being late, even though I'd never been late for a Sam's payment since 1991.
For now, I've kept my Sam's Club membership, as I have my medications through their pharmacy, but since then my purchases have been made using other cards. Discover has certainly given me a very bad taste and makes me question my loyalty to Sam's Club in general. Rules should not be broken, but humanity needs to be applied as well.
Jerry of Daly City, CA on Dec. 18, 2013
Last Year, I used my Discover Card for a major International trip, costing $5000 for just plane tickets. Because they had a promotion, that said purchases will be interest free for up to 1 year, and after that year, the interest rate would be market rate, plus prime. I said I have to take advantage of this special. Anyhow, 1 year into making payments on the large purchase, I came to find out, Discover is now charging me 18% interest on my current balance. When I spoke to Discover Representatives, they said this is a standard procedure to charge high interest rates. I did explain to the Discover Representatives, my credit score is excellent, and my other two credit cards, have interest rates, no higher than 13.5%. Again, Discover could not do much to lower this, in fact they attempted several times, to convince me to transfer other credit card balances to this card. In addition to the ridiculous interest rates, Discover Awarded me $45 towards cash back bonuses, despite the very large purchase I made. Most Credit Card Companies, whether Visa, MC or A/X would have given generous points, or benefits, for my very large purchase. I find Discover Credit Cards to be misleading, and recommend potential customers to do extensive research before enrolling in this card.
Bill of Grand Junction, CO on Dec. 16, 2013
We had our card for 26 years with no late payments and no interest paid. We travel by light airplane and used it all the time. In early October 2013, we flew to Cincinnati from western Colorado and paid for fuel with the card in Kansas City. On arrival in Cincinnati, our rental car was ready but the counter was closed and they could not run the card until the next day. Off to the hotel and dinner. Tried to pay for dinner but card was denied. Used Visa instead. Went back to hotel and asked if card was accepted but told it was not. Paid for that by Visa too. Early the next morning, got a call from the car rental company that card was denied there too.
We had heard nothing from Discover to this point even though they have my home and cell phone numbers and any calls to home are forwarded to cell. Called Discover and they had no explanation for the denials except for "security." They told me the card was good again but could not explain why it was denied or why I wasn't called. Went to two different Discover supervisors about this, telling them they had to call all three businesses, explain it was not their customer's fault and apologize for Discover's error. They refused to do this and I cancelled the card. It has been two months now and I have not received a single call from Discover after 26 years as a customer. I have no idea what they are thinking or if they are thinking...
Heidi of Mount Horeb, WI on Dec. 14, 2013
No One Will Call You Back As They State. Do not Stand behind their Customers on fraudulent charges. FIND A BETTER COMPANY; LIKE VISA or MASTERCARD.
William of W. Plam Beach, FL on Nov. 29, 2013
My wife signed a contract for a course that had a 3 day cancellation policy but the course was taught 2 months down the road. The company, Next Wave Marketing (Adrian Morrison) proved to be, in our opinion, a scam; and what my wife was told the course was to provide proved to be false. As such, the contract was not fulfilled and she received nothing of value for the $5500 spent. We filed a dispute with Discover and expected some help. They blew us off and offered no help. I consider this card to be worthless if you have issues with a merchant. After getting screwed by Morrison and Discover, I cancelled the card. I will never use their miserable services or card again.
David of Little Elm, TX on Nov. 7, 2013
Just a follow-up to my earlier complaint about Discover card. I read the agreement with respect to avoiding interest on balance. This is what I read on Discover website.
"How to Avoid Paying Interest on Purchases (Grace Period) - If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purchases that first appear on the current billing statement."
My due date was November 2, 2013 but pay off the balance on October 17, 2013 yet Discover charged me interest.
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Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.
NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html
Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.
• Remote Video Access
• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)
• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)
• Live Monitoring, Recording And Event Playback Via Internet
• Back-up SD Storage Up To 32GB (SD Not Included)
• Digital Wireless Transmission (No Camera Interference)
• View LIVE On Your SmartPhone!
Includes:
* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver
FACT SHEET: HIDDEN NANNY-SPY (VIEW VIA THE INTERNET) CAMERAS
Specifications:
Receiver Specs:
* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
* RCA Output
* Supports up to 32gig SD
Camera Specs:
* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking
• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)
• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)
• Live Monitoring, Recording And Event Playback Via Internet
• Back-up SD Storage Up To 32GB (SD Not Included)
• Digital Wireless Transmission (No Camera Interference)
• View LIVE On Your SmartPhone!
Includes:
* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver
FACT SHEET: HIDDEN NANNY-SPY (VIEW VIA THE INTERNET) CAMERAS
Specifications:
Receiver Specs:
* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
* RCA Output
* Supports up to 32gig SD
Camera Specs:
* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking
Make Your Own Nanny Cameras: Make Tons Of Money In A Booming, Nearly Recession-Proof Industry!
Your Primary Customers Include But Are Not Limited To Anyone In The Private Investigator, Government, Law Enforcement And/Or Intelligence Agencies Fields!
* You Buy Our DVR Boards And We'll Build Your Products! (Optional)
* You Buy Our DVR Boards And We'll Build Your Products! (Optional)
Our New Layaway Plan Adds Convenience For Online Shoppers
DPL-Surveillance-Equipment's
layaway plan makes it easy for you to buy the products and services
that you want by paying for them through manageable monthly payments
that you set. Our intuitive calculator allows you to break down your
order's purchase price into smaller payment amounts. Payments can be
automatically deducted from your bank account or made in cash using
MoneyGram® ExpressPayment® Services and you will receive your order once
it's paid in full. Use it to plan and budget for holiday purchases,
anniversaries, birthdays, vacations and more!
DPL-Surveillance-Equipment's
Customers can now use the convenience of layaway online to help them
get through these tough economic times.
We all shop now
and then just to face a hard reality -- big credit card bills. However,
our latest financing innovation can help you avoid that. Find out why
more and more shoppers are checking out DPL-Surveillance-Equipment's
e-layaway plan.
If you're drooling over a new nanny
camera, longing for a GPS tracker, or wishing for that spy watch, but
you're strapped for cash and can't afford to do credit, do what Jennie
Kheen did. She bought her iPod docking station (hidden camera
w/motion-activated DVR) online using our convenient lay-away plan.
Our
online layaway plan works like the old-fashioned service stores used to
offer. But, in Kheen's case, she went to
DPL-Surveillance-Equipment.com, found the iPod docking station (hidden
camera w/motion-activated DVR), then set up a payment plan.
"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.
In
three months, Kheen had paid off the $650.00 iPod docking station. She
paid another 3.9 percent service fee, which amounted to about $25.35
(plus $12.00 for shipping) for a total of $687.35.
"You
pay a little bit each month," Kheen said. "It's paid off when you get
it and you don't have it lingering over your head. It's great."
Flexible
payment terms and automated payments make our layaway plan an
affordable and fiscally responsible alternative to credit cards.
1. Register:
It's quick, easy and FREE! No credit check required!
2. Shop:
Select
the items or service you want and choose "e-layaway" as your payment
option. Our payment calculator makes it easy for you to set up your
payment terms.
3. Make Payments:
Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.
4. Receive Products:
Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.
More Buying Power:
*
Our lay-away plan offers a safe and affordable payment alternative
without tying up your credit or subjecting the purchase to high-interest
credit card fees.
No Credit Checks or Special Qualifications:
* Anyone 18 years old or older can join. All you need is an active bank account.
Freedom From Credit Cards:
*
If you are near or beyond your credit limit or simply want to avoid
high interest credit card fees, our e-layaway is the smart choice for
you.
Flexible Payment Schedules:
*
Similar to traditional layaway, e-layaway lets you make regular payments
towards merchandise, with delivery upon payment in full. Payments are
automatically deducted from your bank account or made in cash using
MoneyGram® ExpressPayment®
A Tool for Planning Ahead:
*
Our e-layaway makes it easy for smart shoppers like you to plan ahead
and buy items such as bug detectors, nanny cameras, audio bugs, gps
trackers, and more!
No Hidden Charges or Mounting Interest:
Our
e-layaway makes shopping painless by eliminating hidden charges and
monthly interest fees. Our customers pay a flat transaction fee on the
initial purchase price.
NO RISK:
* You have the right to cancel any purchase and will receive a refund less a cancellation fee. See website for details.
Security and Identity Protection:
DPL-Surveillance-Equipment
has partnered with trusted experts like McAfee and IDology to ensure
the security and integrity of every transaction. Identity verification
measures are integrated into our e-layaway system to prevent fraudulent
purchases.
Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart
DPL-Surveillance-Equipment.com
is a world leader in providing surveillance and security products and
services to Government, Law Enforcement, Private Investigators, small
and large companies worldwide. We have one of the largest varieties of
state-of-the-art surveillance and counter-surveillance equipment
including Personal Protection
and Bug Detection Products.
Buy, rent or lease the same
state-of-the-art surveillance and security equipment Detectives, PI's,
the CIA and FBI use. Take back control!
DPL-Surveillance-Equipment.com
Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320
Monty@DPL-Surveillance-Equipment.com
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Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320
Monty@DPL-Surveillance-Equipment.com
Google+ and Gmail
DPLSURVE
DPLSURVE
MSN
Monty@DPL-Surveillance-Equipment.com
AOL Instant Messenger
DPLSURVE32
Skype
Montyl32
Yahoo Instant Messenger
Montyi32
Alternate Email Address
montyi32@yahoo.com
Join my Yahoo Group!
My RSS Feed
posted by DPL-Surveillance-Equipment | 3:59 AM
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