Discover Card

I have a relative in her 80’s. She realized that she couldn’t catch up on her Discover payments. I called them a few years ago to see if they could reduce the gouging 16.9% interest to something lower. They said the best they could do was lower it to 10.9% for 3 months and they needed a certificate from her husbands doctor stating that his health kept him form working. Given he was also in his 80’s, we had no problem getting the doctor to attest to that. Sure enough, 3 months later, they jacked it back up to 16.9% and refused to talk to us. Last year, we had an attorney send a letter stating that the interest rate was keeping them from paying off the debt. Mind you, she had been paying 16.9% for several years so the principle had long been paid off. Discover did nothing to negotiate with her or her attorney. So, she kept paying what she could afford on her SSI every month. Every attempt to work with them was met with resistance.
Then, Discover went after her with a law suit.
I understand that credit card companies need to make a profit, and my relative, being elderly, didn’t realize the ridiculous interest rate she was paying. It’s hard for me to believe the cold greed Discover displayed when approached in good faith to pay off the debt.
Discover for yourself the lack of integrity if you get involved with these people.

Liars. Discover sent me an invitation to open a credit account with them, and I went ahead and applied. They offered 10.99%-14.99% also a 0% fee on balance transfers. I applied and was approved, but the old bait and switch came into play. Interest rate 21.99% and 3% on balance transfers. I cancelled everything. SCUMBAGS!
Citibank, much more honest!12% interest and no BS.

Discover removed $ 6000 from our checking account without authorization. For more than ten years we’ve paid our entire credit card balance every month by check so didn’t realize this could happen. Lots of time was wasted on the phone with Discover and our bank trying to straighten this out. It is not resolved. As a result of this mistake (?) our bank returned a wire payment to our brokerage so the share purchase was not completed resulting in a loss that is hard to calculate, since this will affect the amount of our 2^nd quarter dividend and has also caused us to lose out on the increase in stock price. We also have a mortgage payment that hasn’t posted. Hope it goes through! We have three accounts with Discover, one of them an online savings account, and will be canceling all of them within the next month. The inconvenience of closing credit card accounts and moving money out of savings pales in comparison with the stress we’ve experienced in this matter. Imagine checking your balanced, solvent bank account and seeing that a corporation has removed $ 6000 overnight, complicating your financial situation, causing loss and possibly affecting your credit rating. Our bank account has never been overdrawn by a cent before this. Outrageous.

Hey Discover Card. I want to thank you for calling my house to make a collection call on Mother’s Day. I feel humiliated that my family heard your voice recording leaving me a message to call you back on a payment that hasn’t reached 30 days late especially since I’ve never been late paying you. How would you like it if someone called your mom on Mother’s day to collect a debt. EMBARRASSED and HUMILIATED.

I sent a payment to them which would have brought my balance to «0». Imagine my surprise when I received my next statement indicating they had not received it and my account accrued interest and overdue charges. I provided them with the cancelled check that cleared and they are still «investigating» it. I am extremely upset to have been treated so badly due to Discover’s oversight. I intend to take my business elsewhere from now on.