Complaint Review: Discover Card - Riverwoods Illinois

I do look kinda stupid making jokes and using the wrong name. Just goes to prove how much attention I pay to the discovery card. At my shop, out of 1000 transactions, maybe one of them is a discovery card. I'm surprised they're still around.

I am a dispute manager for Discover Card; I know this is all an old issue; however, I wanted to shed some light on the dispute process. First, rebates cannot be disputed because the agreement you had with the merchant was for ?xx? dollar amount, which you paid and agreed to. Secondly, rebate is from the manufacture NOT the merchant. The merchant is not responsible for issuing the type of rebate you were supposed to get. Discover Card has to follow a government regulation called ?Reg Z?. The policy of disputes is in the Cardmember agreement, and the statement (BACK) Credit Cards cannot dispute inconveniences.

Randal, TRW is now Experian, it has been that way for 11 years now. Your credit report does not show your salary. You're lucky if it shows your correct employer, as many creditors do not report that information to Experian. Cory....It's not a Discovery card, it's a discover card. Discovery is a channel. You sound pretty silly when trying to make fun of someone when you can't even get the companies name right. I've had a Discover card for about 6 years now, and I love it, never had one problem.

Discovercard is now sending me $61.23 This is not money that is owed to me nor was this cash advance requested. I am returning the check and mailing it to David Nelms in the Administrative Office. I am concerned that Discover may try and damage my credit rating. I have not used Discovercard since initially filing this report

Sorry about the mix up. I reread your post and you are right. Guess I should try getting more sleep. lol ;) To get off thier mailing list I would assume you would need to CS. (1-800-discove) But because I work in the collections department, I am not really sure. I will be sure to find out tmmrw for you however. Sorry again for the mix up.

Sorry about the mix up. I reread your post and you are right. Guess I should try getting more sleep. lol ;) To get off thier mailing list I would assume you would need to CS. (1-800-discove) But because I work in the collections department, I am not really sure. I will be sure to find out tmmrw for you however. Sorry again for the mix up.

Sorry about the mix up. I reread your post and you are right. Guess I should try getting more sleep. lol ;) To get off thier mailing list I would assume you would need to CS. (1-800-discove) But because I work in the collections department, I am not really sure. I will be sure to find out tmmrw for you however. Sorry again for the mix up.

Sorry about the mix up. I reread your post and you are right. Guess I should try getting more sleep. lol ;) To get off thier mailing list I would assume you would need to CS. (1-800-discove) But because I work in the collections department, I am not really sure. I will be sure to find out tmmrw for you however. Sorry again for the mix up.

You will never be able to get off of any of the creditcard companies list. TRW, Transunion, and Equifax or whoever compiles your name and sells it to the creditcard companies, banks, and anyone else that might be interested in gleaming you of your assets. There is pending legislation in congress to ban credit reports for purposes of insurance. I suggest you write your congressman and tell them you support this legislation. In addition, I suggest you write your congressman and tell them to ban credit reports for all other purposes as well. The fact remains is that most banks and creditcard companies don't pull your credit report to determine if you pay your bills, but to find out what you make. That way they can make sure that they get the maximum profit out of you. There is no reason for banks or insurance companies to have your credit report and the reason is that if you don't pay your mortgage they are going to throw you out in the street. The same holds true for the auto insurance companies. If you don't pay your premiums, they will cancel you.

I was misunderstood all around. I thought it was funny that Randall goes off about discoverycard and says "they can't be trusted and they don't honor their contracts" and then gets miffed when they cancel his card. Why in the hell would you want a card from a company that "can't be trusted and doesn't honor their contracts"? Then Derek chips in with his canned CSR line. Me a discoverycard, I DON'T THINK SO. 5,6,7 ? years ago I had a AE gold card. Which I canceled. Ain't gonna pay $75 for any CC. Years ago, they actually sent me a discoverycard which I hadn't requested. Never activated it. To this day, they still send me discoverycard crap. Hey Derek, how do I get off their list?

Randal, I was talking to cory about the late payment, bankruptcy, ect. For you, I only stated that a repersenative that you talked to may have thought you wished it to be closed. One dispute is by no means to much of a hassle.

You are quite wrong about my situation. I have never been late on a payment, I did not order the card closed, I did not report the card lost or stolen/fraud, I have not filed bankruptcy. I am more inclined to agree with an earlier posting that Discovercard probably thought I was too much trouble. I find it truly remarkable that Discovercard has a policy of not allowing disputes on rebates. This policy was not conveyed to me in writing or verbally prior to making the charges on this card through Fry's. As stated previously, the matter has been settled and neither Discovercard nor the merchant owe me any money.

You are quite wrong about my situation. I have never been late on a payment, I did not order the card closed, I did not report the card lost or stolen/fraud, I have not filed bankruptcy. I am more inclined to agree with an earlier posting that Discovercard probably thought I was too much trouble. I find it truly remarkable that Discovercard has a policy of not allowing disputes on rebates. This policy was not conveyed to me in writing or verbally prior to making the charges on this card through Fry's. As stated previously, the matter has been settled and neither Discovercard nor the merchant owe me any money.

You are quite wrong about my situation. I have never been late on a payment, I did not order the card closed, I did not report the card lost or stolen/fraud, I have not filed bankruptcy. I am more inclined to agree with an earlier posting that Discovercard probably thought I was too much trouble. I find it truly remarkable that Discovercard has a policy of not allowing disputes on rebates. This policy was not conveyed to me in writing or verbally prior to making the charges on this card through Fry's. As stated previously, the matter has been settled and neither Discovercard nor the merchant owe me any money.

You are quite wrong about my situation. I have never been late on a payment, I did not order the card closed, I did not report the card lost or stolen/fraud, I have not filed bankruptcy. I am more inclined to agree with an earlier posting that Discovercard probably thought I was too much trouble. I find it truly remarkable that Discovercard has a policy of not allowing disputes on rebates. This policy was not conveyed to me in writing or verbally prior to making the charges on this card through Fry's. As stated previously, the matter has been settled and neither Discovercard nor the merchant owe me any money.

Randal, a rep may have thought you wanted the acocunt closed. If you got angry during any of the conversations (when you thought they were still sticking you w/ some of the charge) did you hint you want the account closed? In any case, you have the option to open the account back up for 3 months, as longs as it showes closed by cardmember (which that letter is indicating). Cory, if your card was cancelled then you a)closed it yourself, b)fell 120 days deliquint at which point we will suspend or revoke (credit card equivalant as forclosing) an account in accordance w/ policy and legal issues, c) went with a consumer credit counseling/filled bankruptcy (both cause revoction), or d)reported it stolen/fraud. Which was your case?

Randal, a rep may have thought you wanted the acocunt closed. If you got angry during any of the conversations (when you thought they were still sticking you w/ some of the charge) did you hint you want the account closed? In any case, you have the option to open the account back up for 3 months, as longs as it showes closed by cardmember (which that letter is indicating). Cory, if your card was cancelled then you a)closed it yourself, b)fell 120 days deliquint at which point we will suspend or revoke (credit card equivalant as forclosing) an account in accordance w/ policy and legal issues, c) went with a consumer credit counseling/filled bankruptcy (both cause revoction), or d)reported it stolen/fraud. Which was your case?

Bad, mean, terrible discovery card. "Discoverycard can not be trusted. They don't honor their conracts". THEY CANCELED MY DISCOVERY CARD!!!!!! They probably figured you weren't worth the trouble.

My latest Discovercard statements appears to indicate that I don't owe any money on the account and that the matter has been settled. However, Discovercard also sent me a letter indicating that they are closing my account in accordance with my wishes. I never asked to have the account closed.

Some rebates can take up to 2 months to be processed. I don't suppose you returned the merchandise when you disbuted the charges. No, of course not.

To make sure that we have everything here, you bought from Fry's Electronics for the amount of 108.8. You never got the rebate, so you disputed it. Discover Card gave you and TEMPERARY credit of 108.8 and investigated the charge. Fry's Electronics and thier contractor gave a partial credit after that, leaving 43.52 left. Discover card then added the 108.8 back in minus the 47.57. If that is correct, lets do the math: 108.8 removed for the temp adjustment while Discover investigated, Fry's Electronics and their conractor give back 65.28 (108.8-43.52) leaving them owing you 43.52. Total taken off the account at this time is 174.08 (65.28+108.8). Discover then reverses the temp credit they gave except 47.57 leaving a total adjstmnt of 112.85 (174.08-108.8+47.57) So you are saying Discover owes you money? Looks to me like they covered what the other merchants refused to give back. You should be thanking them, not posting them as thiefs. The credit they gave during the dispute is temperary. Given to for all charges that are investigated to make sure that you do not start paying the amount you say you did not charge. I bet if you look at the statements and run the numbers, the finance charges added to the purchase price was 112.85. Thus they have taken care of the charge, and even gave you a credit that the merchants were unwilling to give (likly because they had proof of the transaction and the extra 47 was not worth legal hassle).