Complaint Review: Discover Card - Wilmington Delaware

That's a very clever and sarcastic response. (The Hell, Michigan thing.) However, anyone that follows that dim-witted advice should know this: 1. If you are having problems closing the account, send a registered letter, return receipt requested. You can then prove your request. 2. If anyone on this board is dumb enough to actually submit the address and phone Dina gives, they deserve what they get if the account is then used fraudulently. May they end up in an identity theft nightmare that takes the rest of their lives to resolve. General delivery addresses are never a good idea. That's like inviting the neighborhood into your mailbox. Or like cutting off your nose to spite your face.

That's a very clever and sarcastic response. (The Hell, Michigan thing.) However, anyone that follows that dim-witted advice should know this: 1. If you are having problems closing the account, send a registered letter, return receipt requested. You can then prove your request. 2. If anyone on this board is dumb enough to actually submit the address and phone Dina gives, they deserve what they get if the account is then used fraudulently. May they end up in an identity theft nightmare that takes the rest of their lives to resolve. General delivery addresses are never a good idea. That's like inviting the neighborhood into your mailbox. Or like cutting off your nose to spite your face.

That's a very clever and sarcastic response. (The Hell, Michigan thing.) However, anyone that follows that dim-witted advice should know this: 1. If you are having problems closing the account, send a registered letter, return receipt requested. You can then prove your request. 2. If anyone on this board is dumb enough to actually submit the address and phone Dina gives, they deserve what they get if the account is then used fraudulently. May they end up in an identity theft nightmare that takes the rest of their lives to resolve. General delivery addresses are never a good idea. That's like inviting the neighborhood into your mailbox. Or like cutting off your nose to spite your face.

That's a very clever and sarcastic response. (The Hell, Michigan thing.) However, anyone that follows that dim-witted advice should know this: 1. If you are having problems closing the account, send a registered letter, return receipt requested. You can then prove your request. 2. If anyone on this board is dumb enough to actually submit the address and phone Dina gives, they deserve what they get if the account is then used fraudulently. May they end up in an identity theft nightmare that takes the rest of their lives to resolve. General delivery addresses are never a good idea. That's like inviting the neighborhood into your mailbox. Or like cutting off your nose to spite your face.

Touche, Clarence! Well said! Or, call them up and say it was stolen. And while you've got 'em on the phone, tell them you have a new address: General Delivery, Hell, MI 48169.

just tell them that you are unable to take care of yourself and your power of attorney is handling your affairs and they will cancel you in a heartbeat like they did my 84 yr old mother

I would have to agree with you here. Anyone who tries to close a credit card must prepare themselves for a runaround. Why? RETENTION EMPLOYEES WORK ON HOURLY PLUS COMMISSION. They will try anything to avoid closing an account, including telling you they are closing it but not really doing so. How can I say this as an employee? I worked in Loss Prevention at Discover until recently. I now work in another department. In my experience in LP (LOSS PREVENTION) Ihave seen the effects you mention: fraud as the result of our company's employees not doing the job they are supposed to because they do not want to lose out on the big $$ bonus checks. Some things to keep in mind: 1. If you ask to close your account, you might be "qualified for retention" or you might not be. If you aren't it is because you have been late or overlimit, bounced checks, or have generally proven yourself to be a credit risk. Bad credit is actually in your favor when it comes to closing an account! If you qualify for retention..... 2. if you speak to a rep, ask for their first and last name. If they refuse to give their whole name, ask for a supervisor. We are monitored regularly and if we refuse our full name we get "dinged". I don't peronally agree to this policy (for reasons of privacy I won't go into here) but there it is. 3. if an employee closes your account you should automatically receive a confirmation letter w/in 2 weeks. If you don't, suspect a problem and call back or write. 4. by law, only items in writing are considered legally valid/binding. Integrity says that anything we do or say on the phone should be valid and upholdable (again, we are monitored for compliance) but if you don't have a paper to take to court (or a taped recording of your own) it becomes "HE SAID/SHE SAID" 5. Even accounts that we DO close can be subject to "REOPENING" This means if a year later you find a card in a drawer and use it, forgetting it is closed (or someone else finds it...at an old address, etc) the account can automatically reopen. I don't agree w/ this policy. To combat it, request to be added to NON SOLICITATION LIST and ask the representative if they can deny the auto reopen ... THIS IS NOT A FEATURE OF ALL ACCOUNTS...and I have an admittedly fuzzy idea of how it works, so you will have to trust the retention rep that closes your account on this one. 6. you can also get solicitation calls to reopen a card. again, ask to be placed on non solicitation list. 7. Update your address if you know you are moving when you close the account. A lot of people don't do this because they DON'T want sales calls or mail, but you must weigh this against the possibility that if your account is not closed as you request (due to a dishonest employee or what have you) the next person to live at your old address might help themselves. it happens every day.