Discover Card Delinquent Accounts

Your company truly amazes me. A few years ago I cancelled my Discover Card that I had for several years because I was not using it. Your company said I could reopen my account within 6 months with no problem.

When Wal-Mart opened in Rosemead, California, they were primarily accepting your card. I decided to re-open my account. I was promptly denied credit from your company, without any real explanation. I couldn't believe it, because not too many of your credit card customers have a better credit score than I have, and have a net worth of over 6 million dollars. So, I wrote your credit department thinking that you made a mistake. Again, your company denied me credit.

So after receiving several of these unsolicited offers from your company, I've taken the time to write this letter. So in short, I do not wish to ever have your credit card again, because your company doesn't have a clue on what they're doing. Please take my wife Christine Ann ** and myself off your mailing list and do not send me any more unsolicited offers from your company again.

My account with Discover was overlimit. In an attempt to clean my account up, I called Discover and made arrangements with them, with their terms, to make a monthly payment in the amount of $123.00 for several months so I could avoid late charges and overlimit fees and bring my balance down. My billing statements kept reflecting the overlimit fee and late charge, even though I had authorized Discover to take the payment out of my checking account. How could you possibly incur a late fee when they are the ones paying themselves from my account?

I have made multiple telephone calls to Discover over the past several months and they have been adjusting my charges, but they also told me I need to increase my monthly payment. I agreed to increase it to $135.00 per month. I am still getting billed late charges and they now want a payment of $177.00 due to the error of the supervisor I initially spoke to. The customer service person I spoke to was extremely rude. I asked for his supervisor. He kept repeating to me over and over that I needed to pay the extra money to get my account current. I kept asking him to let me explain my position to him and he kept interrupting me. I asked repeatedly for his supervisor. He put me on hold and when he came back he told me his supervisor told him I would need to speak to the supervisor I had initially made the arrangements with. He said it was her mess and she had to clean it up. Imagine!!

I was given a telephone number for her. When I called that number, an automated message told me that number was not a working number. I called customer service again and was told I would just have to call back at some other time. I have had it with Discover. In good faith, I have adhered to their arrangements and all I have gotten is grief from them. They are impossible to work with and have absolutely no customer service skills. I don't know where to turn for help on this.

My account was in default. Spoke to Thresa and made arraingements to pay off account. Default amount was $7,635.00 per Thresa DISCOVER would wave $1,150.00 of overlimit and late charges. Was told later that account would be closed when they received final payment of $4,950. Received statement 10/17 that states the new balance is $12.72 for finance charges.

Discover has been harrassing me the better part of 2003. I got my husband involved to settle the account. He has made payments they requested and they assured him account would be closed.