Complaint Review: Discover Credit Card Services

Two months ago (January 2010) I noticed a $30 charge on my Discover credit card for "PAYMENT PROTECTION PPD". I called into Discover to investigate the charge, and they told me it was a recurring monthly fee that I was being charged because I was part of their Payment Protection Plan.

I never signed up for this service.

I told the representative on the phone that I never signed up for any such service, and demanded a refund. She told me that because I had been signed up for the service for so long, she would not issue me any refunds, but she would cancel my enrollment.

I continued to demand a refund, and she told me Discover would have to conduct an "investigation" that could take 4-6 weeks. If Discover could prove that I did not sign up for this service then she would issue me a refund.

I never heard anything back and called in 6 weeks later to inquire about the status of my investigation. I was told that no one ever started any investigation, and if I wanted to request one, I would have to wait ANOTHER 4-6 weeks for them to determine if I signed up for the program. I asked to speak to a manager, was denied and told the only thing I could do was continue to wait.

Two weeks later I received an email from Discover saying they had refunded the fees they had been illegally charging me SINCE MAY 2009.

There was no apology in the email, no statement showing there was ever any "investigation", and no mention of refunding any interest I was charged on these fees.

This company is illegally signing people up for extra services without consent and charging them monthly. "Buyer" beware!