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It Does Not Pay To Discover - Discover Card Sucks
Posted by
Wrath Of Tom
SALT LAKE CITY, UTAH -- If you (For some retarded reason, i.e. you are just a contrary person, or you work for one of these financial institutions...) do not agree with what I say about the devious practices of Discover Card, below, go read what this organizations says, about what are seemingly illegal practices, done in broad daylight...http://www.bcsalliance.com/x_creditcardtricks3.html
My name is Thomas Anderson and I want to start out by saying no matter what your personal opinion, Discover Financial Services is essentially a white collar terrorist organization, and they are committing acts of financial terrorism against millions of decent, responsible, hardworking, respectful, reasonable American citizens everyday in broad daylight. These are much more than acts of financial terrorism though as they force people to lose their homes, to go without food, to not provide for their children, to postpone basic and/or urgent medical care, because Discover Financial Services has devised a system (And it is not very complicated to do what they do, and see how they do it) whereby they saddle a consumer with a debt that they cannot pay off.
Some people will read this and respond as a minority of people have responded to my many other post all over the Internet and say stuff like: "You should be more responsible", "You shouldn't have gotten the card", "You borrowed the money, just pay your bill". I do not know if these people are just being contrary, playing devils advocate or actually work for financial institutions and are out there representing the other side. To people who say I should be responsible, I have paid every other bill I have ever had, in life, in full and on time, with NO ISSUES - So why not Discover? I have always paid my rent, my car insurance, my car payment, my utilities, my phone bill, my Internet bill, and all other bills on time and in full, why not Discover, curious isn't it?
The answer is that I actually have paid my Discover Card bill. I have a credit limit of approximately $5,000 dollars, granted, I have borrowed this money from Discover over the 10 years I have held the card, but I have also paid the amount back in full at least 6 times (Yes, $30,000 FOR AN INITIAL $5,000 LOAN, and they're not done yet), but that is not good enough for Discover Card - you see with Discover you don't simply borrow money and pay it back at a reasonable rate, this companies gets its claws in you and will not let go, until you have paid at least $50,000 for a $5,000 loan. They'll get you with late fees, they'll raise your interest rate, and they'll get you with late fees by **Moving your payment due date around (Without notification), and then adjusting your minimum payment due (Without notification).
To the people who say, "You shouldn't have got the card", that would be like telling the 99% of Americans in debt to financial institutions, "You shouldn't have got a college loan, it's your fault", or "You shouldn't have got sick and got that medical debt" or "You shouldn't have got upside down in your mortgage", but No One got into debt on their own, or by playing by reasonable rules. The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, lied to, cheated, robbed, swindled. A crime, many crimes have been committed, in broad day light but nothing is done because it is white collar crime, and many, if not all of these companies have bought political protection, like people used to buy protection from the mafia. No I got a Discover Card with an initial contract at a low interest rate, and like many consumers, Discover Card found a way to more than double my interest rate once I charged money on the card.
I was one of the unfortunate, innocent, naive people who was solicited by Discover Card as a college student. This practice (Of soliciting to college students) was recently banned, unfortunately I cannot be grandfathered into the ban. I was a college student, it was over 10 years ago, and like many college students I needed a little help making ends meet, I did not (AS SOME COLDHEARTED PEOPLE OUT THERE LIKE TO SAY ) splurge on frivolous items, like a big screen TV, or a game system, or a ping-pong table. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I do not buy frivolous things. I am a very responsible consumer.
Actual Complaints:
1. Discover Financial Services - offers consumers one thing and then when they have you out there holding one of their cards and using it, they alter your contract. And this is something - THAT HAS TO BE ILLEGAL - And I have only seen this with Discover Card. With any other contract I have ever been a part of I not only had to read and agree to terms, but I had to sign and initial the contract and is changes were made they had to be read and initialed. ***With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (Where is the proof I actually received the letter?) and mind you they will bombard you with letters, and NO ONE reads those letters and all the small print, ***But this is the important point, whether you got the letter or not, YOU AGREE TO CHANGES IN YOUR CONTRACT - BY SIMPLY CONTINUING TO USE THE CARD - So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store. Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers?
2. When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1). This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much. In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts, it's part of their business strategy, get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost - even when it means their daily practice of breaking (And apparently creating) the law.
3. Most recently Discover Financial Services decided to change (Without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, et cetera...but Discover decided to change my payment due date. This led to me (As I am sure millions of other Americans) being late on my payment (Oh Wow! LOOK, instant revenue for Discover Financial Services) - as soon as I and I assume millions of other Americans went late on our payments via Discovers latest scheme, they generated 100's of millions of dollars in late fees...
They hit me with late fees, and, but - here is the genius of it ***I have always paid well above the minimum monthly payment due - say my minimum monthly payment due is $70 I was consistently paying $100 - Unfortunately (Guess who else knew this?! Discover - THIS IS HOW WE ARE ALL PLAYING A RIGGED GAME!!!) so I went late on my payment, because Discover decided to change my payment due date, without notifying me of the change, then they hit me with late fees (Keep paying attention this gets amusing), they folded the late fees into my balance, which increased my monthly minimum payment due - and here is the kicker - my monthly minimum payment didn't go up $10, it didn't go up $20, it didn't even go up $30 (To $100 from $70) it went up $43, because Discover has my payment history right in front of them, and if it only went up $30, they wouldn't be able to catch me with late fees again, when I went in to pay my monthly minimum payment and like most responsible consumers paid over the minimum ($70 and I was paying a $100), but it wasn't $70, and CONVENIENTLY it was OVER $100, because they KNEW I would pay $100, and they knew they DO NOT, and DID NOT adequately inform me or any consumer of these changes, in payment due dates, raises in interest rates, raises in monthly minimum payments, et cetera...so they got me again...late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.
***Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment, but it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?!
4. Finally, I have informed Discover Card that I am launching an all out campaign against them, via the BBB (Which I am starting to think has been bought off by big business), the FTC, The American Civil Liberties (Because I think the financial institutions inherently violate civil liberties, and generally a person's pursuit of liberty, freedom and happiness) my States Attorney General's office (In Georgia where I live and was the initial crime took place), and also with The States Attorney General's Office in Utah and Delaware where this company runs it's criminal Enterprise (I am also going to talk to an attorney about bringing charges against Discover Financial Services under the RICO statute, as this is a criminal, racketeering, organization operating across state lines) I am also out here filing complaints all over the internet at the many internet complaint boards, via Facebook and Twitter.
I informed Discover of these intentions and now they are harassing me. Specifically, now they will not correctly receive a payment from me. I just paid my October payment, over the monthly minimum, of course, on time, of course, REMEMBER I AM OTHERWISE A 100% RESPONSIBLE CONSUMER (Except, apparently in my interactions with this illegal, fraudulent company) But...Discover promptly sent me an e-mail on Monday saying I missed my payment again. When I contacted them, they said the e-mail was incorrect, and that I had made my payment in time and in full, so I asked them to send me an apology and an e-mail containing the correction (Correct info) and was informed that they could not send that via e-mail, they would have to send that via conventional mail. THAT'S RIGHT they will send you incorrect info through e-mail, but the correct info, can't do it.
One more interesting/amusing thing - Discover Financial Services informs me that they do not have a complaint department?! What decent sized business doesn't have a complaint department? I assume the Discover Card complaint department was so overwhelmed the company gave up trying to operate one, and they certainly do not care about customer complaints and this is one glaring sign of their disregard for customer service.
My Desired Outcome:
I have said this to Discover Card numerous times. I simply want Discover to recognize that they have an extremely dissatisfied, angry, disgruntled, activist customer out here, that is much more of a liability to them than I could ever be an asset, ***And I want them to forgive my remaining balance (Approximately $3,500) and send me a letter officially ending my relationship with their company.
Problem: I am extremely dissatisfied with this company.
Solution: We both go our separate ways.
That simple. It is like how every now and then a restaurant has to comp a meal. Well Discover Financial Services are going to have to comp my bill. I must reiterate that I am not trying to weasel out of paying my bill. The fact I have already paid my bill 10 times over.
While Discover Financial Services tried to ignore this situation I will be out here fighting via every avenue imaginable until I find satisfaction and justice.
In closing Discover Financial Services is a White Collar Terrorist organization operating with impunity in The United States. History will look back on them as the criminals they are, and see the acts they have committed for the depravity, greed, ruthlessness, lawlessness, and as the treason that they are.
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saj80 on 10/28/2011:
Did you receive your monthly billing statement via mail or electronically? Whichever method, it will disclose the due date, minimum due, and balance.
spiderman2 on 10/28/2011:
Please don't use the word retarded to express your anger against someone else's behavior. It is considered quite rude. I am totally not on the PC-train usually, but this one hits close to home for me.
Anonymous on 10/28/2011:
spiderman2, you are not alone. It is offensive.
unhappy999 on 10/28/2011:
I have Discover Card and when I use it, I pay my bill when its due and I haven't had any problems. I have other cards that get more reward points so I use them before I use Discover. Anyone who gets loans or uses credit cards have to be responsible and make payments on time. If you do that, then you will not be paying $30,000 for a $5,000 loan if that even happened.
ok4now on 10/29/2011:
I have never had a problem with Discover. I pay them as soon as the bill is received and the reward points keep adding up. I did try to negotiate a lower interest rate but they refused. I played the game and did a balance transfer at zero interest for a year to Chase.
traceylynn on 10/29/2011:
I love my Discover card, in fact my Birthday is this month and they gave me 5% cash back for October which was awesome. Discover is a business.....if you use their money you pay it back with fees (if late) and interest. Interest is how they make money (hence the business part). If you don't want to pay interest don't use the card....likewise if you don't want a late fee pay on time. You had no problem using the money when you wanted to buy something but you didn't pay it back on time and now want the fees waived or a lower interest rate and unfortunately they do not have to do this. You need to pay it before it goes against your credit. Credit can even affect job applications this day and age. If I may I will also add I have never had a problem getting my Discover statement. They email and mail it to me plus I know my billing cycle so I usually pop onto the website as well. The website is very clear and well built, I really like the feature where it breaks down your spending and allows you to track what type of monthly purchases you are making!
grandma005 on 10/29/2011:
As with any credit card you and only you are responsible for making sure each and every payment is received on time. You have to check your statement for the due date of each month. You cannot assume that just because the due date of last's month's bill was the 7th then this month's bill is due the 7th, There are 30 to 31 days in month months and one month has 28 or 29 days in it. So yes the due date changes every month. That is why you need to check your statement as soon as you get it. If you can send payment to them as soon as you can. Even with bill pay it takes about 2 to 3 days for your card to be credit with your payment. When you use the United States Postal service to mail your payment you are at their mercy. Yes checks get lost in the mail. Yes mail gets put in wrong mail boxes. And yes checks get missed placed by credit card workers. I have heard of cases where a employee went on vacation and stuck checks in her desk and stayed there until she went back to work. Bills were not posted to accounts on time. Use the bill payment system of your own Bank to pay payments even then it is your responibility to make sure payments were credit on time. This can be tricky. Some credit cards will post payment to the last month's bill if payment is posted even one day early. You have to make sure payment is received at least one day after the closing day of this month's bill. Yes credit cards are snakes but you have to be a larger and bigger snake to keep them from getting one up on you.
At Your Service on 10/30/2011:
I agree with Spiderman2 about using the term "retarded". Frankly, it shows a lack of sensibility.
I liked the review in that it was very detailed. Ultimately, though, I kept wondering why you wouldn't just refinance the card's balance through a different financial institution? There's absolutely no reason you need to continue to deal with Discover if you would rather not. That doesn't alleviate the balance as you want. Generally interest rates are in direct correlation with the amount of risk they feel they are assuming by dealing with you. You may find it more advantageous, with a smaller interest rate, with a different local finance institution.
Best of luck.
ok4now on 10/31/2011:
Yes Discover is a business and they heavily advertise their 5% cash back. Read the fine print. This is not on all purchases but select ones that change every 3 months. This may include a promotion for restaurants, then groceries or gasoline. The cap is $1500 so the maximum cash back would be $75.00. By limiting the customer to a specific purchase they make it difficult. In a 3 month period would you typically spend $1500 at various restaurants to collect the full 5% cash back? Even if you did would it be worth it for a lousy $75.00? Not in my book. You might want to reconsider this.
RichB***h on 11/29/2011:
I've had the same damn $500 Discover Card limit for 4 years now, even after applying for an extension.
Discover makes it very difficult to pay off their credit card early (on-line).
The hoops you have to jump through to earn 'points' in their cash back bonus program is ridiculous, and often counteracts other website point earning promotions (ie. BoxTopsForEducation.com)
How come poor people are allowed to spend themselves into debt, but they make it extremely difficult for rich people to spend their money!?!
Mamas on 08/17/2012:
Tom- It sounds like you have a huge, personal problem with Discover. I see that others have suggested transferring the balance to another loan, which I also think would be a good idea. Credit Card companies are not out to get you! Like I know you have heard before...Pay attention to your bills and you will be fine. A lot of the changes, like due date and minimum payment increase, can be prevented (unless you are late) if you call prior to the change taking effect. That is why looking at each and every e-mail, letter and statement is crucial. I hope that you can resolve this without it completely consuming your life like it seems to be right now. Let go of the hate and just pay the bill or transfer it.
yellowdog 3849 on 01/29/2014:
this company operates like legal loan sharks. a missed payment( appx 12 hours)( once with a large principal) charged 29% interest rate( no sympathy). Went to close my account and was quoted a price $300 more than the account ballance to pay off ( entire) balance. I haven't used card in 7 months, but still was charged $300 to clean slate. your better off at the pool hall. b careful with discover. I just paid them almost $19, 000.00
to learn this lesson.
K.Moore on 02/28/2014:
My husband and I just used our Discover cards and paid them off each month. We wanted piece of mind w/ internet purchases. Then came 42nd Street Photo who put unauthorized charges on my card. Discover did nothing. The BBB in New York helped. They got the vendor to agree to put the money back on my card. I sent these e-mails/documetation to Discover. The vendor did not put all the charges back, and Discover did nothing. So, we closed our cards and filed Attorney General complaints against the vendor. Discover finally got our money. Only, because we shamed them. We had documentation on our side. They just did not want to explain themselves to the A.G. Get another card that protects you as a consumer!!!
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Pre-Approval is a Scam!!!
Posted by
Discover just sent out a mass mailing to many prospective clients telling them that they have been 'pre-approved' for 12 months of interest free. The mailing sent a certificate of pre-approval and said that you can go online to mydiscover.com for an instant approval. I went, completed the information, and waited to receive my 'online response'. Instead, the site directed me to sign up for 'free trials' for protecting my identify and credit checks. It did NOT give an option to 'exit' this information. I called the number on the response and the agent told me that I was denied credit with discover. I asked her 'why' I received a 'pre-approval' and why I didn't get my 'online response' as indicated in the letter. She told me that Discover obtain my information from a Major Credit Bureau which indicated I met the criteria discover was looking for in a customer, however, she said that after running my credit they found that I did 'NOT' meet the criteria they were interest in for a customer. I told the representative that I will take my $250,000 household income elsewhere and that I will 'never' be interested in an account with discover since I do not meet their criteria. My family has a good payment history and we will stick with our CitiBank, American Express, and HSBC cards. I asked her to 'remove' my name from any future offers that that I do NOT want to ever receive a card from them. I also told her that they need to fix their website to now try to 'trick' a 'rejected' client from signing up for something an offer they have when that client hasn't even been approved by them. I feel this is VERY SNEAKY' on their part and we should have laws against this type of marketing!!!
My two cents: Do not do business with discover! They are very selective on who they want as a client and try to trick those rejected for credit into signing up for something thinking they have been approved!
Have a nice day all!
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Skye on 03/26/2011:
Discover card was the worst card I ever had. Glad I do not have that one anymore.
Consider yourself lucky, that you were not approved for a Discover Card. Besides, with your income, there are other credit cards that will be more than happy to give you a line of credit, to create a debt for yourself, with them.
You were pre-approved to see if you quality, not that you would instantly receive a credit card. Like you said, it was a mass mailing, many received the same offer.
trmn8r on 03/26/2011:
I don't see anything wrong with a bank being selective in whom they decide to extend credit to. Your $250K household income wasn't enough to sway them. I have less than $50K of income these days, haven't had a job for 6 years, and have no problem getting new credit. There must be another factor you have failed to consider - there are several, you know.
As to the website, I agree wholeheartedly that if an applicant is denied, they should be told so and not solicited for other items.
redmx3racer on 03/26/2011:
You can make millions a year but if you have a high debt to income ratio you can still be denied credit. Just Saying.
raven2010 on 03/26/2011:
Banks can be as selective as they choose, as long as they follow the Equal Credit opportunity Act
Anonymous on 03/26/2011:
I think the OP was more upset with the terminology "pre-approved". I was solicited by a company before and they said I was pre-approved, and that all I needed to do was fill out an application. I responded by asking why did I have to apply if I was pre-approved? You aren't really approved at all. That term is extremely misleading and should be considered fraudulent. I simply shred my mail anytime I see "pre-approved" anything.
raven2010 on 03/26/2011:
Using "pre approved" is legal as long as the bank follows established guidelines. you are pre approved based on the general info they gather--once you confirm and ad the rest of your info, they make their decision.
perfectly legal.
Anonymous on 03/26/2011:
I never said it wasn't legal. I just said it "should" be, since its so misleading to many people, the OP included.
raven2010 on 03/26/2011:
I didn't indicate you said it was illegal....
Anonymous on 03/26/2011:
C'mon now.
raven2010 on 03/26/2011:
You inferred---I have no control over over that.
Anonymous on 03/26/2011:
Since none of my comments included the name Raven, it is YOU that must have inferred I was speaking about your comment. We could go round' and round' all day, or simply move on to the next topic. :o)
See you there!
raven2010 on 03/26/2011:
Ohhhhhh very true indeed, *giggle*
momsey on 03/26/2011:
'Good' 'review'.
GenuineNerd on 03/26/2011:
I have received so-called "pre-accepted" (as opposed to "pre-approved") credit card applications in the past. Note the wording "pre-accepted"...the CC issuer will most likely mail out thousands of these "pre-accepted" applications, even to persons who are not exactly credit-worthy. Once an application is received by the CC issuer, the applicant still goes through a credit check, and would either be denied credit or offered a CC with a lower credit line and/or a high interest rate...basically, the CC issuer would offer you a low "teaser" interest rate, but 6 months to a year later, your interest goes to 25%-30% or higher, after the low "promotional" or "teaser" rate expires...especially bad if you hope to use the CC to transfer balances from higher interest rate cards to that card. Either the card issuer will not offer enough credit to even cover the balance transfer, or offer the low rate on the balance transfer for so many months, then the interest rate gets bumped up, thus keeping you in deep debt again...unless you pay the transferred balance in full during the promotional period. The CARD Act has reduced these games played by the CC companies in the past, and the amount of CC apps I've received in the mail have been much fewer in number...before the economy went bad I used to receive 2-3 CC apps a week...now I'm lucky enough to get 2-3 a year. I just run them through the shredder...I need another credit card like I need a hole in the head.
Cwazychicken on 03/27/2011:
You can take Pre-approved 2 ways. 1) You are accepted before getting approved, which is rarely the case with anything today. Or 2) Like a pre-teen becoming a teenager, It's the step before actually getting approved. I can see where no credit card would take someone with bad or no credit (and the ones that do, stay away from..especially if they require a deposit. Well, most any ways. My brother was scammed by a company that took money for a deposit and vanished into thin air!). However, I can see how people feel misled by the mail. But its like those publishing clearing house junk mails (YOU WIN 1,000,000)..All you need to do is order magazines and you get the chance to win...Or "THIS COULD BE YOU!" . Nothing illegal with the wording, but it is annoying to get those in the mail. I always toss them lol.
Venice09 on 03/27/2011:
I received one of these the other day and tore it up.
Income doesn't matter. I got all of my credit cards when I technically had no income. I have no idea what my credit rating is, but I have never been denied credit.
getoverit on 03/27/2011:
I was glad to hear that the OP had other credit cards and wasn't really relying on getting a Discover Car.
I used to have one. Like some of the other commenters, I didn't like it as much as other cards I have. They play lots of these little games. I closed it.
I always thought that whole "Pre-Approved" thing was just a gimmick. It's just a mass-mailing to people whose credit reports don't absolutely stink. And watch out for those teaser rates, too, because there's usually transaction fees that will eat up a big part of what you save in interest when you switch. Plus, they often slow-card your transfer, so you end up paying interest on both accounts for a period of time.
I agree on 08/01/2011:
I agree with you they should not say you are approved and are not had the same thing. Shame on you Discover card for providing poor customer service. They do not care at all about their customers
bait on 08/03/2011:
Discover Card company is just another
bait & switch company. They will tell you
"pre-approved". They will offer you different
products. Don't waste your time with Discover.
Just a "Big Scam".
jeffery on 11/21/2012:
discover told me I would get a response on my credit application instantly on line I then was prompted to set up my options for payments as if I had been approved even have a pass word for log in they are a scam cc company
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I Hope Discover Card Is Wearing Protection As It Screws So Many Americans
Posted by
Wrath Of Tom
WILMINGTON, DELAWARE -- Fellow Hardworking American Citizens,
(Have a bake sale, a car wash, sell stuff on eBay, but don't get screwed by a credit card company, like I am gettting screwed (BUT NOW FIGHTING BACK)
My story or a rough cut of a letter that is truly still a work in progress is below, it is being sent to discover, craft your own letter, fight the power, no more 28% interest, no more debts that last 20 years because they are specially formulated to keep you in debt, based on the companies knowing your payment history that is what you are capable of, and hitting you with fees or an interest rate, to keep you in debt, it is IN DISCOVER CARDS BEST INTEREST FOR YOU TO BE SUFFOCATED WITH DEBT YOUR ENTIRE LIFE, no more!!!!make a stand, the time to fight is now...complain on the internet, post your stories, rants, complaints, even if they are rough like mine, you can come back and hone them up later...also file complaints with the Better Business Bureau...et cetera...more below...
My name is Tom Anderson and I am submitting this formal complaint letter to Discover Card. I am a very dissatisfied customer and will also be submitting this letter with adjustments made per the audience to the Better Business Bureau, City, State and Federal business regulatory commissions, consumer advocacy groups, my local politicians where I first became a Discover card holder, and to the politicians where I currently reside, local, State and Federal. In addition I will wage an all out campaign against Discover Card and their unscrupulous practices via the internet. By any means necessary. I will give Discover Card 7 days from my mailing of this letter to address this situation, I will be willing to negotiate, initially, but in the past when I have battled capitalistic, corrupt institutions like Discover Card I have found they do not work with me until they see the full barrage one motivated consumer can wreak upon their business.
I have held a Discover card for over 9 years; I have 99% of the time paid my bill, in full on time. I have made a lot of money for your company. That is over.
Problem # 1
My credit limit is at roughly $5000, you loaned me $5000, how many times do you think I have paid you $5000, for the privilege of that initial loan, and how many more times does Discover Card expect me to pay another, and another $5000 on that initial loan you made to me years ago. Other consumers may pay, and pay, but I am standing up and telling you, you made your money off of me and we are through. I have not even used my card for almost 2 years only made payments and their that debt is unmovable...and not even just the minimum payments, we're talkng 300 dollars here, 500 this month, 150 another month...and the debt stays the same...
Problem # 2 Closely tied into Problem #1
Discover Card has figured out a way based on consumers average payments, interest rate, credit limit et cetera to keep a consumer constantly and permanently in debt. We have all heard the statistics of how long it would take most consumers to logically and reasonably pay off their credit card debt. We have also heard of how many hard working, good, decent Americans are buried in your credit card debt. Enoughs, enough.
The real question is, do you settle with me, or do you allow me to begin my campaign to encourage all consumers to fight and push, and push and litigate, and default, until your company collapses.
Problem # 3
You have consumers agree to changes in contracts, not by signing or even reading (Witnessing) the change but simply by continuing to use their card. So you sell a consumer a Credit Card via an awesome 0%, no payments, incentives, cash back, sales pitch, then mail about thirty offers, junk mail, to the consumers house over the next year but one of those envelopes contains addendums to the original contract, like if you miss one payment not only will you be assessed a late fee (Double Jeopardy Punished twice for the same offense), but your interest rate doubles. How about a late fee or double someones interest, rate, or how about
hey I made my payment, for whatever reason it was a little late, people have logical reasons for being late in life, and so all is forgiven you still get your money and you are still getting 10-13 percent interest on your money, BUT that's not good enough for the fine people at Discover Card, NO, how about my money and 13 percent interest, and a late fee, nope that's not good enough either. Double the interest rate too.
No consumer in their right mind would or for that matter, it turns out, ever did agree to this clause. That clause isn't how Discover Card gets customers. You get em with a beautiful offer. Then send out an addendum to their contract. I would be willing to fight this in court on the grounds that, YES, FOR A CONTRACT TO BE VALID BOTH PARTIES HAVE TO READ, AGREE TO AND SIGN IT. For that matter I might just say that I am not sure I ever signed an agreement with Discover Card, and maybe many consumers didn't. I don't know if I signed my initial contract, it would be easy to find out, but I know I never signed any addendums, concerning raising my interest rate for late payments.
The question is, do I take legal action action against Discover or do I encourage thousands, no millions of consumers to take action, involving many lawyers, in a class action lawsuit against Discover on the validity of contracts, this is just one point among many that could dissolve your and other credit institutions in an instant if this goes to court.
Problem # 4 - And in Closing
I will not pay my Discover Card bill, not now, not ever. Like so many other hard working Americans. Discover card HAS constructed a system to keep consumers in debt. You and other credit lending institutions are unscrupulous. The time for change is NOW. You crossed the wrong guy in this consumer. I will negotiate with you now (Maybe) or within 7 days of you receipt of this letter, but then I pull no punches, and settle for no less than the bankruptcy and collapse of your company, via consumer education, spun into individuals fighting Discover card, turning into class action lawsuits all over the country concerning the validity of contracts and other unfair practices, and turning over accounts and bills concerning overcharges, re-adjustment of interest paid, refunds, refunds, refunds, collapse.
I hope to hear from Discover Card representative soon concerning this issue, if not.
One more thing...recently I made a payment on my card at Sears...Discover card called me a month latter and said I owed them a 2 payments, and a late fee, and they are going to raise (Double) my interest rate, because that's what they do if you miss one payment...well, this is because they didn't get the payment I made...computer error...people error, don't know yet, it's under investigation, just telling consumers this because all Discover Card holders who have ever been assesed a late fee, or had their interest rates increased, should immediately, don't delay, call or email Discover and demand an audit/investigation of your account, it could be they made a mistake, and didn't get your payment, have them turn over the books on your account, before you ever let them charge you a latge fee or raise your interest rate.
Thank You for reading...
If we all stand up to this we can beat it...Democracy?
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MaggieMcT on 09/29/2009:
You agreed to the account terms, and now you want out. Too bad. Don't borrow any more money if you're not going to pay it back.
googlemyyahoo on 09/29/2009:
I just had to comment because I love the title of your post. LMAO!
MSCANTBEWRONG on 09/29/2009:
So you used your "credit" card and were late on the payment so they doubled your interest rate correct? Sorry, read your contract...you agreed to it when you signed up for the card. Pay it off then cut it up...
KCRovert on 09/29/2009:
So, "Wrath of Tom", tell me what credit card you can get that will allow you to max out your available credit, then be late with payment(s) and not charger you late fees & increase your interest rate? I've had a Discover Card for many, many years and have never had a problem with the card or their customer service.
Oh, and a big "thumbs up" for wishing thousands of workers to lose their jobs because you can't control your spending or make owed payments on time....nicely done!!
bcd on 09/29/2009:
RE: "… no more debts that last 20 years because they are specially formulated to keep you in debt …"
Pay more than the minimum and the debt will last for a much shorter time. If you can't afford to pay more than the minimum, then get your spending under control. Don't blame Discover for your actions.
Critical_level2 on 09/30/2009:
Discover must want us all in debt. I transferred $5K (botched wedding) from BOA card at 19% to Discover for a 3.9% special for 2 years. It is almost fully paid off. I I love my Discover Card. For every six payments I make on time, they refund one months interest back to me. It may not be much, but in this economy, every little bit helps, especially when paying down a large credit card debt.
Wrath of Tom, You need to take some classes on how to manage your finances better.
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28% interest rates
Posted by
SCREWED by Discover
How can a company this size go BROKE? Ask for bailout money and then charge the American people 25 to 35 % interest on their cards. Its sad but more so SICK to take our money (bailout) and then let us use it at 28% interest..The government should have let them go and just disappear.. the CEO should have been fired and all of the board members with him.
Discover credit card company seeks a piece of the bailout pie
by Malia Spencer
Jan 20, 2009
The Riverwoods-based issuer of the Discover credit card is trying to tap into more than a billion dollars in federal funds by virtue of its imminent transition to a bank holding company. But Discover Financial Services LLC insists that this is no bailout, for it remains healthy and is merely looking to boost its already strong capital.
Discover Financial already has been approved by the Federal Reserve Board as a bank holding company and has received preliminary approval to participate in the U.S. Treasuryâs Capital Purchase Program, which was launched in October by the government as a way to encourage financial institutions to build capital and in turn make loans to businesses and consumers.
According to Securities and Exchange Commission filings, Discover is seeking to sell to the Treasury shares of preferred stock and warrants to purchase shares of common stock for an aggregate price of about $1.2 billion.
The preferred stock would pay a cumulative dividend of 5 percent annually for the first five years and then jump to a 9 percent annual rate.
Becoming a bank holding company not only allows Discover to apply for the federal funds, it opens up new business possibilities. A bank holding company may own more than one kind of bank, noted Jon Drummond, senior manager of corporate public relations. The company already owns two subsidiary banks in Delaware, Discover Bank and Bank of New Castle. Now it wants to acquire more consumer and business deposits, and, Drummond observed, it could purchase more banks as a way to accomplish that. But he cautioned that the company has not made any statements on what it is planning to do.
However, Michael Kon, an analyst at Morningstar Inc., said he doesnât think the company is in the market to purchase a bank because growth in deposits could be achieved through its existing banks, utilizing its strong online platform.
The Riverwoods company primarily operates as a credit card issuer, but also services third-party payments and offers other loan products. In 2008 the company had net income of $927.8 million, or $1.92 per diluted share, up from $588.6 million, or $1.23 per diluted share, in 2007. The 2008 results included a $135.2 million loss from discontinued operations. Discover sold off Goldfish, a U. K. credit card business, to Barclays Bank PLC in March.
Discover takes deposits at its banks including money market accounts and certificates of deposit. Additionally, the company offers installment loans such as personal and student loans. At the close of 2008 it had $49.7 billion in loans, up 4.9 percent from $47.4 billion in 2007.
Revenue generated from bank deposits are used to finance Discover's credit card and installment loan businesses. At the close of the fourth quarter, which ended Nov. 30, the company had deposits of $28.5 billion. Additional funding for business activities comes from the process of asset securitization, according to the company.
Though profit for full year 2008 was up from 2007 it is still below the level of 2006, which saw net income of $1.1 billion, or $2.26 per diluted share.
Most analysts who follow Discover are advising investors to buy or hold the stock, although there are also two sell ratings. The stock closed Tuesday at $7.01, down 95 cents or 11.9 percent. Financial stocks were hit hard by investor reaction to the government's revised bank bailout plan.
Discover's stock 52 week high was $19.87, its low $6.59.
Kon of Morningstar says the stock has a fair value of $30. He recommends investors consider buying shares at $15 and consider selling them at $60. The stock has Morningstarâs highest rating of five stars.
The company is âmaking the right decisions and I think they are going to perform well once the economy improves,â Kon said in a phone interview.
âThey made good decisions before this downturn,â he noted.
Among those good decisions, Kon said, was staying away from certain geographic areas, such as California and Florida, which have seen the worst of the housing crisis.
Nevertheless, its loan losses increased last year, and Discover greatly augmented its loss reserve.
By the end of 2008 the reserve increased to $1.4 billion, up 81 percent from $759.9 million a year earlier. Net charge-offs for 2008 totaled $981 million, up 44 percent from $677.9 million in 2007.
âThe next year will probably see continued increase in loan losses,â Kon said. âThe environment is deteriorating and they are facing a lot of economic head winds. Credit card volumes are under pressure with the slump in consumer spending.â
However, the companyâs debit card portfolio should remain strong as debit volumes are growing faster than credit cards, he said.
Discoverâs participation in the federal Capital Purchase Program will strengthen the companyâs capital position, officials said, while pointing to the company's already-strong balance sheets.
According to the companyâs SEC filing, Discover Bank and Bank of New Castle exceed the capital requirements of the Federal Deposit Insurance Corp.
On Nov. 30 Discover Bank had total capital to risk weighted assets of $4.3 billion, or a 12.9 percent ratio, in excess of the required $2.7 billion or 8 percent. The smaller Bank of New Castle had $15.5 million, or more than 400 percent compared with the required $279,000, or 8 percent.
The parent company's year-end stockholder equity was $5.9 billion, or 15 percent of average total assets.
The added capital from federal funds can be used to replace the companyâs previous dependence on the securitization market, which has stalled in the current credit crisis.
Applying for government money makes good business sense in a difficult market, according to some analysts.
Christopher Brendler, of Stifel Nicolaus, said Discover is a prime candidate for government support.
âIt doesnât hurt to have extra capital on hand to handle losses,â he said.
Other credit card companies, such as Capital One Financial Corp. and American Express Co., have already become bank holding companies, Brendler said.
Shifting to a bank holding company is not expected to alter the companyâs operations, Discoverâs Drummond said, but will merely bring in different regulations and bring the company under the oversight of the Federal Reserve.
The Chicago Federal Reserve Bank, which oversees the Midwest seventh district, will supervise Discover as a bank holding company. The Chicago Fed already oversees 975 bank holding companies, said Doug Tillett, vice president of public affairs.
Chicago Fed officials look at a companyâs risk management, the board and senior management oversight and policies and procedures. Federal regulators will also monitor the holding companyâs financials such as asset quality, capital, liquidity and earnings, Tillett said.
Receipt of Capital Purchase Program funds will not be the first infusion of federal dollars for the company. Discover Bank has already been to the Fedâs discount window and borrowed $1 billion over the course of two visits, once in November and once in December.
However, analysts at Fitch Ratings Ltd. are more reserved in their opinions of a non-banking financial firmâs converting to a bank holding company, especially because, they say, stricter Fed regulations may be coming.
âFitch does not view BHC status as a panacea for the current economic and credit cycle,â the firm reported recently. âWhile BHC status may provide additional protections in the current environment such as capital boosts and debt guarantees, these firms will remain challenged by weakening economic conditions and business model changes.â
Discover (DFS) to receive bailout funds
Posted Jan 16th 2009 12:48PM by Brent Archer
Filed under: Good news, Industry, Options, Technical Analysis, Financial Crisis
Discover Financial Services (NYSE: DFS - option chain) shares have moved higher today after the company announced it has received approval for a $1.2 billion in funds under the government's financial sector bailout package. DFS plans to become a bank holding and a financial holding company in order to receive the funds. If you think that the stock won't fall by too much in the coming months, then now could be a good time to look at a bullish hedged trade on DFS.
DFS opened this morning at $7.83. So far today the stock has hit a low of $7.61 and a high of $8.10. As of 11:55, DFS is trading at $7.67, up 6 cents (0.8%). The chart for DFS looks bullish and S&P gives DFS a positive 4 STARS (out of 5) buy ranking.
For a bullish hedged play on this stock, I would consider a February bull-put credit spread below the $5 range. A bull-put credit spread is an options position that combines the purchase and sale of put options to hedge risk in case the stock doesn't do what you think but still leverage nice returns. For this particular trade, we will make a 4.2% return in just five weeks as long as DFS is above $5 at February expiration. Discover would have to fall by more than 34% before we would start to lose money. Learn more about this type of trade here.
DFS hasn't been below $5 at all in the past year and has shown support around $7.40 recently.
Brent Archer is an options analyst and writer at Investors Observer.
DISCLOSURE: Mr. Archer owns and/or controls diversified portfolios of long and short stock and option positions that may include holdings in companies he writes about. At publication time, Brent neither owns nor controls positions in DFS.
Tags: bailout, DFS, Discover Financial Services, DiscoverFinancialServices, Investors Observer, InvestorsObserver, options
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Unfair Charging of Fees
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SALT LAKE CITY, UTAH -- I have been a Discover card holder since 2001 while enlisted in the United States Air Force.
They have been quite helpful in the past, until a slew of recent events involving Discover Card and there account managers have put my relationship with them in serious jeopardy. I understand I am among thousands that have had issues with them and I know that my problem is no more important than the next person. Discover card has led me on, they have called me a liar, and they have charged close to $200 dollars to my account in which they refuse to refund.
Allow me to elaborate..
Back in Sept. 2009 my vehicle was broken into. I lost close to $3000 in personal belongings as well as my personal banking information. I called the police and opened an investigation as well as received a police report. A couple days later I closed my bank account and opened a new one. I had my Discover Card account set up to debit money monthly out of my account. After closing my bank account I started to pay Discover Card through my new account manually because I knew they could no longer be paid through my old one. For about 4-5 months I paid Discover Card $50 a month until I got my life back together. I was never late on payments during this time. Around mid to late December I realized my account balance was going up not down. I knew something was wrong because I was paying almost $20 over the minimum payment. What I found out was that Discover Card was accepting my $50 payment and then charging me a $39 returned Check fee because they were attempting to debit my closed bank account. I called to explain to them what was happening and they handed me off to several different people who were all unwilling and seemed in no way interested in helping me. I explained that this was a screw up and that my records show that I have been paying monthly and that they were still trying to debit an account that was closed. I simply asked that they refund the money from the Return Check charges. They said for me to pay $90 dollars and to call back once I did. So on the 8th of January I paid as requested and about a week later I called back. I explained that I had done what I was asked; now I would like to get my money refunded. They quickly started to hand me off to different account managers that all said they could not help me. During all this they made it very clear that they did not believe my story. I was pretty much called a liar. I have a police report and I can get any information they require from the bank but they were not interested. They took my monthly payment then proceeded to Charge me a $39 fee for returned check because they could. In no way did they attempt to call or inform me of any problem. I was treated very disrespectfully! I was called a liar, and after 2 hours of phone calls and a letter to Discover Card they refuse to help. They have absolutely zero integrity as a financial institution and they treat their clients/patrons like dogs.
I was given the address to their complaint department because they donât want to take phone calls from angry patrons to whom they rip off. In my letter I again explained to them that all I want are my fees refunded to my account. They sent me a letter back saying that they received my letter and that they are missing information, they wanted me to call back so they can get the required information to complete their investigation. However, upon calling they informed me that the only reason they wanted me to call is so that they could tell me that they will not be assisting me with my problem. So again they misled me to believe they were willing to help and again they showed there true colors.
The only thing that will resolve this issue is a refund of all fees taken from my account from Sept, 2009 â Feb. 2010.
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goduke on 02/17/2010:
To Discover's defense, a number of people set up an autopay for the minimum balance, and then pay an additional amount to try to bring down the balance when they can.
Doesn't justify rude or dismissive behavior, but I don't think you can say they should have known your bank info was stolen and therefore shouldn't have tried to autopay the account. Honestly, it was kind of your responsibility to turn that off when you closed the one account. Hopefully they'll understand what happened and reverse the fees, but you really sort of have to accept a bit of responsibility for not picking up on it for a long time.
Anonymous on 02/17/2010:
Yeah, The OP should have stopped the auto-payments but after the first one Discover should not have attempted any more since when an ACH transaction is returned there is a reason code given which in this instance would be R02 - 'account closed'. The subsequent attempts was either a gratuitous attempt by Discover to garner 'free money' from one of it's cherished customers or Discover has some really bad software not capable of interpreting a three digit code. I'm inclined to think the software is A-OK.
avpafrfd, Regardless of the outcome of this issue never forget how Discover treated you. How little they value you as a customer. Remember today, tomorrow and forever. Don't ever do business with them again. Trust me they need us the customer more than we need them. Good review!
goduke on 02/17/2010:
They probably also should have called a good customer and said "hey...what gives."
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Misled by Cardmember services
Posted by
Let me preface my review by stating that until this incident, I had been an advocate of the Discover card. I was laid off in February of this year and hadn't secured employment. In April, I contacted Discover regarding my account to see if there was any assistance they could offer regarding my monthly payment. The representative I spoke to was quite helpful; or so I thought at the time, and advised me she could place a 'freeze' on my account, which would not allow me to use my card for 6 months, and pay a lower interest rate so more of my monthly payment would go towards the principle. Since I am a firm believer that if something sounds to good to be true, it usually is, I asked and verified several times that if I did this, after the six month period the card would then automatically be reinstated without penalty. I ended the phone call on this premise.
Time past and in September I thankfully acquired employment. I contacted Discover to let them know I no longer needed the account to be frozen and was advised by the representative to just ride out the six months at the lower rate. I was again reassured the account would be reinstated at the end of the six month period.
I waited until November which was the end of what I thought was the six month period and contacted Discover regarding to make sure my account was reinstated. I was advised I had to wait until November 30th exactly because that would make the exact six month mark. I did so. When I called Discover back, much to my dismay, I was told they would not be reinstating my account and it would remain as suspended. I went back and forth with the representative on the phone who advised me during the time my account was frozen, policy and procedure had changed and they reviewed accounts and individuals credit reports prior to reinstating them. The representative stated I had too much outstanding debt and Discover would not reinstate my card at this juncture in time. All this despite the fact that I had no issues paying the same monthly payment I had always paid, had never been late on a payment, and had an account in good standing with them for close to ten years. I requested to speak to a supervisor because it is my understanding that if a new policy or procedure is set forth, it cannot be backdated or applied to issues that existed prior to the implementation of the policy. Also, I was never told of any review or redetermination at the inception of my agreement with the initial representative. I was told the supervisor was out to lunch and I would have to wait up to 24 hours for a call back. I did so, and when the supervisor called me back I simply got a reiteration of what the representative had said. No consideration, no assistance, nothing. Even when I stated I was seriously considering either closing my account, or seeking legal assistance, my statement was met with indifference.
I still don't understand how they can implement and apply a new policy without notifying their customers. As I stated to both the representative and the supervisor, if I would have been told at the beginning that my account was being suspended and I would have to be subject to a review at the end of the period to determine if my account could be reinstated, I would have NEVER agreed to freeze my account as I was told initially.
It is a shame that in today's society, we are so dependent on credit, credit rating, credit worthiness. We are gravitating more towards a money-less society each day without realizing the implications it brings with it. I'm not sure how; if at all, this review will help anyone. All I can say is wary, be very wary of credit card companies. These are my three cents.
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skelly39 on 11/12/2009:
Everybody, even people who don't have credit or money problems, is facing the same treatment from their credit card companies. If they aren't going to unfreeze your account, why wouldn't you just close it? It's better than you close it than them. You are right-they are required to notify you of any changes in terms and conditions. Are you sure you didn't receive something with your bill? Sometimes they like to slip those things in there. They are easy to miss.
JR in Orlando on 11/12/2009:
I'm not sure this is a change in the terms and conditions. Under the contract, surely they have a right to terminate the card at any time. It is at their discretion how often they review the debtor's status. Whether they did not review (as before) or whether they did (as now) when they are reinstating a frozen account sounds like an internal policy, for which no notice is required. Obviously people who have their accounts frozen have financial issues.
skelly39 on 11/12/2009:
Good point, JR. Wouldn't they still have to notify him though?
MaggieMcT on 11/12/2009:
They don't seem to be disputing that he was told it would be reinstated. They should honor that. But do the words "credit card company" and "honor" belong in the same sentence?
JR in Orlando on 11/12/2009:
I would not think so, since it is a question of how the terms and conditions are to be enforced by the credit card company, not a change in the terms themselves. Say Discover routinely checks everyone's credit report once a year, but changes then to once every six months. That is not a change in the terms regarding their right to check such reports, only an internal decision as to how often they are going to exercise that right and check the reports.
I guess the equivalent would be a debtor who normally pays the minimum payment, one day prior to the due date. If that person then begins to pay 3 times the minimum, and pays it twice a month, they can exercise their right to do so without notifying Discovery of their payment change.
JR in Orlando on 11/12/2009:
The language used by the op states: "the card would then automatically be reinstated without penalty." I read this as informing the person that no penalty would be imposed when it is reinstated and the person would not have to reapply for the card; Not that the person gets the card back even if he no longer meets the requirements for the card.
Under the poster's interpretation, even if he went bankrupt during the 6 months, he would be entitled to have the card reinstated without regard to his financial condition. That is an unreasonable interpretation.
Mizu115 on 12/24/2009:
When I lost my Wells Fargo credit card, they refused to reinstate it as well telling me they had done a "review" and then simply said my card could "not be issued at this time"..So, it's not necessarily because you suspended your account..They check your credit report whenever you do anything that raises a red flag. I was really angry and frankly was insulted that they assumed I would have bad credit just because I lost my card. It's not like I reported fraudulent use, just lost the card. So, it's not because you suspended your account..They check your credit always before sending you a card for any reason.
adam2106 on 12/27/2009:
It is quite a shame that companies like Discover can take advantage of a situation in which they somewhat started. You are completely right that they mislead us because they say everything will be fine when it comes to refunds or disputes yet when we try to argue and try to reason with them they block us out. Of course some people will have positive effects but given in this awful time in the economy and Discover receiving billions of dollars from TARP as well as from the FED's window they should be able to help customers in need. Customer service should be taken seriously. Unfortunately it is not, which is a shame. I have a bad situation with them and they just don't seem to care.
We are twins! on 05/03/2012:
I had the EXACT same thing happen to me. I was a customer since 99, was laid off, had the payment plan for hardship deal going on and called them once I found employment. I paid off my debt completely and they STILL said that I could not get out of the suspension! That sucks that they don't tell you that once you let them know you're in trouble, there is no way out of the ditch. Thanks for sharing your story.
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Will Not Help
Posted by
Discover card will not work out a reduced payment plan. Over the last few years I had major surgery, was out of work for 8 months, and had physical restrictions for one year at work. The company I work for was later sold and a 5 year pay freeze has occurred with no future increase. At this point I joined a debt settlement law group to work with paying off my credit cards.
Discover refuses to negotiate with them or even me. I was put into collections soon as the debt settlement group contacted them. Its an endless circle with Discover. They will not accept or negotiate a lump sum payment (that is available at this time). They will not even contact me to negotiate. My other credit cards are working with the program.
I am an older person with mild disabilities - where I still work but loose about 4 intermediate days unpaid a month. Help!!!
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Alain on 02/21/2013:
You could possibly give a try contacting the corporate headquarters of Discover Financial Services (2500 Lake Cook Rd., Riverwoods, IL 60015) at [224] 405-0900 or [847] 317-9480 and see if they want to deal with you. If not, then they'll just have to get paid when you can or not at all.
Obsfucation on 02/21/2013:
I think it would be great if they would work with you, but it doesn't seem fair to bad-mouth them because they expect you to pay back the money you borrowed from them.
Slimjim on 02/21/2013:
Credit card issuers HATE debt settlement companies, and Discover is notorious for being very candid about it. I'm sure your DS firm said otherwise, but facts are, lenders don't appreciate outside firms that collect big fees out of their account holders for the purpose of forcing or stoking a default as to try to get the upper hand. I'm glad your other lenders are settling, as it sounds your settlement plan may work out better than average when it comes to success, but when the day is done, Discover is under no obligation to take a dime less than what you owe them and it's hard to fault them otherwise.
trmn8r on 02/21/2013:
I don't believe Discover has a responsibility to agree to the kind of arrangement you suggest, unless it is in your contract. That is what governs your relationship with the people you borrowed money from. Your personal circumstances are unfortunate, but they does not change the contract.
If the "lump sum" you refer to is the full amount that you owe, I am confident they would accept it. But if you want them to accept less than what you owe them, I can see that would be a definite issue.
JR in Orlando on 02/21/2013:
The personal problems of a debtor is not the concern of the credit card company. They simply want the debtor to pay what the debtor agreed to pay when the credit card company GAVE THEIR MONEY to the debtor.
While it might be nice if they helped, it is certainly not a bad reflection on them if they do not. Perhaps the OP could seek bankruptcy to eliminate the debt.
Obsfucation on 02/21/2013:
These DR companies almost never explain to the debtor that for every dollar that gets written off, the debtor has to pay incomes taxes on the amount. Just when some poor schmoe thinks they are getting ahead, they get slammed with a tax lien. Good luck getting the IRS to work with one of these companies.
Churro on 02/21/2013:
The debtor doesn't necessarily *HAVE* to pay taxes on *EVERY* dollar forgiven. There are exceptions most notably the debt was canceled when you were insolvent. If you do get a 1099-C don't panic. Find a good tax man who will probably be able to minimize a great deal of the taxes owed. Also despite populace rhetoric the IRS will make a deal on taxes especially if you are financially unable to pay them. Happens every day.
Discover is tenacious about collections and is more apt to sue you than any other credit card issuer and they come prepared with complete documentation like no other. And they almost always win judgment and that's when the fun begins because they are just as diligent at collecting their judgments. Don't mess with Discover.
Depending upon your situation you might consider bankruptcy as an option. I know it's tough but hang in there and stay on top of things. Everything will work out in the end. Hang in there.
Jeff on 02/21/2013:
You know how to get them to start LISTENING to you? Do what I did. Stop paying, and ignore their phonecalls and letters in the mail for a while.....THEN they will start sending you offers to settle the account. Sometimes you have to get mean and play hardball like they do.
Jeff on 02/21/2013:
Oh and it WILL affect your credit, though so as long as you are not worried about your credit score going down, do what I did.
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Discover Charged My Account Without Permission
Posted by
I had a auto ship set up with a company, that's another complaint, but Discover had my account set up for an auto ship. So I'm having trouble cancelling the auto ship. So, I canceled the card number and have a new acct. number set with Discover. this is at least six before the next $277. Auto ship is to be sent out, all good right, no acct. number no auto ship.
I heard from Discover in about 10 days of getting my new number, with a letter in the mail saying that I will need to contact any companies that I my have automatic payments or companies that I may have an auto ship set up with. It said, so as long as I do not give this company(Visalus) my new account number there will be no more $277 auto ship because they're not going to send it out without being paid first. But Discover let them charge to my new acct. number without my permission.
So, the product comes, Discover charges me, I send this product back the next day un-opened, but after three months of investigation by brilliant people at Discover, they say the shipment was justified and I owe the Visalus company $277.for something that should never have been charged to my acct. Plus, I sent the product back un-opened, and yes I will cancel my Discover card, as much as these people say they care, they really don't.
Jeff from South Dakota
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trmn8r on 12/31/2012:
This may be legal.
Karnamay on 12/31/2012:
How frustrating for you! Good review.
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SALT LAKE CITY, UTAH -- We took out a loan with Citibank for my son's freshman year of college. My son ended up dropping out for medical reasons. We set auto payment through Citibank and first payment was late. They reported us to credit union. Shortly after Citi sold loans to Discover Bank. We made our payments on time and in July of 2012, we decided to pay down the loan. Bill said amount to pay and we spoke to an agent to get full amount. We made the total payment we understood to be the payout amount. Now in October we started getting numerous calls from an 800 number, which everyone knows are either sales calls or someone annoying. They finally left a message and I called them back. Evidently we owed them $270 more because interest was continuing to rack until they received our full payment. No one left a message or sent a bill and we thought this loan was paid. The harassment at all hours of the day and night was relentless and unbearable. We felt that it was not fair to come after us for such a small amount when we were not told about it until know. We said we would not pay it so the operator threatened us with credit report and that the so- called account would continue to accrue interest damaging our credit and that they would continue to make phone calls until we paid this small amount.
These banks sell loans to each other and you have no choice in the matter. The operators at Discover are trained to harass, coerce and say anything to get you to pay what they say you owe. This experience was a nightmare and dealing with them was like dealing with automated airheads who say they will do an investigation of all taped phone calls only for another uniformed operator to call back within the hour. DO NOT use Discover for any banking, loans or any financial transactions of any kind. They are incompetent idiots and worse the poor people who they train to harass you have no power to help you. Additionally, no supervisors were ever available. I highly recommend against getting involved with this institution, or do it at your own peril. HORRIBLE!!!!!!!
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CUontheFlipSide on 10/16/2012:
How much time elapsed between your payoff amount request, and Discover Bank receiving the funds?
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SALT LKE CITY, UTAH -- Discover Card Legal Dept.
P. O Box 30421
Salt Lake City Utah 84130-0421
Attention: Supervisory of phone negotiations.
This letter is to inform you of questionable practices of phone negotiations which have possibly resulted in the violation of truth.
An agreement was reached in a telephone negotiation for debt settlement on the account of myself (the client). In that agreement I (the client) agreed to direct electronic payment which has been in effect for at over a period of years to this point. In addition several additional payments have been made outside of the agreement to assist in a rapid settlement of account.
Upon receiving statements with an interest rate of 28.99 % I (the client) phoned several times to negotiate a no interest applied rate to decrease the payoff time of the debt. I (the client) was informed this would beonly possible based on past good faith practices (PRACTICE PROVIDED) and as myself (the client)would be receiving an adjustment to interest on further statements. This was stated in conversation with two separate rep's at Discover and presumably approved.
This was a proposal offered in original agreement, if good faith payments were applied, a no interest payment plan would be considered.
I (the client)find these practices to be unclear to either your staff or organizational levels of understanding as to authority, to grant conditions or modifications of agreements, all while offering assurances to clients actions are duly noted and applied to account. FRAUDULENT and/or IN-APPROPRIATE
For a considerable amount of time I (the client) am receiving an interest rate posted at 28.99%
I (the client) request or demand by clients rights, that the account be researched for participating rep's, recorded conversations, call communication logs, notations to account, etc. seeking proof of conversations and actions as promised.
It is expected this matter will be researched and resolved immediately.
I (the client) await your immediate findings as I (the client) believe Finance Center rep's have violated the truth, of individual authority to negotiate, approve, rectify or modify agreements on these matters.
Letter submitted threetimes NO REPONSES.
This letter forwarded to CA State AT&T Gen Offices and FDIC.
They only back Banks not consumers
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Candlelight dinner via Shutterstock
Have a candle-lit dinner using menus from celebrity chefs
Celebrate the hour with your partner, friends or family and have a candlelit dinner with your own tasty dishes based on WWF's Livewell principles, which has been created for healthy people and a planet with a brilliant future. Download their dinner party guide or get inspired by celebrity chefs who support the Livewell principles.
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Invite friends around for a pub quiz and board games by candlelight
WWF's Earth Hour is all about people coming together to celebrate our world. If you've decided to invite friends over, the Earth Hour team has created a fantastic Pub Quiz to download to make the most of the night while the lights remain off.
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Take a wildlife walk or go star-gazing
Get closer to nature while doing something for your health and well-being by taking a night walk or going star-gazing. And if you don't have a telescope, don't worry. Just darkness, a blanket and hot drinks will be enough for a perfect star-gazing hour.
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Go for a nightime city walk
If you are a "city animal", why not take a walk around town and see what has switched off in your city? Last year many landmarks such as the Sydney Opera House, the Tour Eiffel and Big Ben switched off their lights in honor of Earth Hour. This year is sure to find more participants, so be sure to check out what else is happening.
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Go for a nighttime bike ride
Cycling is not a trend, it's part of a sustainable lifestyle. Everyday more people decide to leave their car at home and start cycling. And once you've started cycling, you can't stop. So why not go for a ride during the hour?
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Roy De Vos March 28, 2014 at 10:15 am
Dr. Android June 10, 2012 at 10:17 am
Best discussion ever between jibberjabber and potatohead!
Made my day
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there is a second page
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what happened to the last 4? There are only 5 not 9.
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Jill FehrenbacherDid you know that there are wolves living near you in almost every state in the country? Sadly most of these wolves are not living in the wild, but in wolf sanctuaries, which are conservation organizations set up to protect them and help grow their populationREAD MORE >
Yuka YonedaNamba Parks was conceived when Osaka Stadium closed down, presenting a great redevelopment opportunity for a new commercial district right next to the Namba Train Station, which is just one stop away from Kansai Airport. Since it's one of the first placesREAD MORE >
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Tamsin Woolley-Barker, PhD.The Biomimicry Manual: What can We Learn About Resilience, Weight Loss, and Kidney Disease from the Grizzly Bear?I'm off to the wilds of Montana this week, doing some in-person, up-close biomimicry research, and I've got my fingers crossed I'll see a grizzly bear. But you know, over there, not over here. With five inch long claws, massive muscular shoulders and forearms,READ MORE >
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Organic EDEN spices, herbs, and vegetables are from our stocks used in the preparation of Eden foods. They are Eden qualified and selected as the "best of the best" that we can find. Spices and herbs contain volatile oils, polyphenols, and beneficial antioxidants. It is wise to protect them from light, especially fluorescent lighting, and photochemistry induced degradation of sensitive aroma, flavor, and nutritional components. Organic EDEN herbs, spices, and vegetables are glass jarred in efficacious dark amber glass. This glass works twice as good as green, and vastly better than clear.
Garlic Powder Allium sativum - dehydrated, ground garlic cloves. It is not really a substitute for fresh garlic, but it is convenient and can be added to soups, stews, sauces, gravies, salad dressings, marinades, and more. Powdered garlic is slightly bitter, but it is especially suited for all types of tomato sauces. About 1/8 teaspoon equals on 1 clove of fresh garlic. U.S.A. organically grown. Protective amber glass jar. kosher pareve


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Unit details
HSN719 - Population Nutrition and Physical Activity Assessment
|2015 unit information
|Enrolment modes:
|Trimester 3: Cloud (online)
|Credit point(s):
|EFTSL value:
|Unit chair:
Gunveen Kaur
|Incompatible with:
|Contact hours:
Learning experiences are via CloudDeakin
This unit provides an overview of methods of measuring food intake, physical activity, energy expenditure and body composition at the individual and population level. Practical activities are undertaken to gain a strong understanding of issues in analysing and interpreting data relating to nutritional and physical activity status and body composition. The uses and limitations of each of the assessment methodologies are critically evaluated. Reference standards and Australian norms for nutrition, physical activity and anthropometry are examined. The interpretation of dietary, physical activity and body composition survey data is addressed along with an examination of the theory and practice of validation and measurement error.
Assessment task 1: Written report (1500 words) 30%
Assessment task 2: Major assignment (3000 words) 50%
Assessment task 3: Three cloud (online) multiple choice tests (15 questions each) 20%
Prescribed texts
Gibson, R.S. 2005, Principles of Nutritional Assessment, Oxford University Press, Oxford, UK.
Unit Fee Information
|Student Contribution Rate*
|Student Contribution Rate**
|Fee rate - Domestic Students
|Fee rate - International students
* Rate for all CSP students, except for those who commenced Education and Nursing units pre 2010
** Rate for CSP students who commenced Education and Nursing units pre 2010
Please note: Unit fees listed do not apply to Deakin Prime students.


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Here at Who What Wear, one of our most rewarding tasks is solving your celebrity outfit mysteries. Whether it's finding out who made Lily Collins' sequin top or where you can buy Olivia Palermo's laser-cut dress, we're more than happy to put on our sartorial detective hats and work relentlessly to uncover all the need-to-know details about your favorite ensembles.
Shop This Week's Standout Celebrity Outfits
- 1 of 8
In case you missed it, here's a look back at the week's standout looks!
- 2 of 8
Lily Collins
At The Mortal Instruments: City of Bones photocall in Mexico.
On Lily:
Rachel Zoe Resort 14 tee
Brian Atwood Maniac Pumps ($590)
Joan Vass Striped Sequined Tunic ($188)
Alice + Olivia Pleated Leather Miniskirt ($495)
Jessica Simpson Abriana Pumps ($60)
- 3 of 8
Alexa Chung
Celebrating the launch of her first book It in London.
On Alexa:
Carven dress
Dolce & Gabbana bag
Manolo Blahnik Sharif Smoking Flats ($695)
Rhyme Los Angeles Lace Blouse ($60)
BCBGMaxazria Camber Faux Leather Midi Skirt ($198)
Dolce & Gabbana Small Lace Agata Bag ($1695)
Rachel Zoe Zahara Velvet Loafers ($235)
- 4 of 8
Katherine Power
Photographed at the Simone Camille trunk show in Los Angeles.
On Katherine:
Jenni Kayne top and trousers
Manolo Blahnik BB Suede Point-Toe Pumps ($595)
Jenni Kayne Long Sleeve Crewneck ($450)
Jenni Kayne Slant Pocket Pant ($495)
- 5 of 8
Olivia Palermo
Out in New York City.
On Olivia:
Catherine Malandrino for DesigNation dress (available this fall)
BCBGMaxazria Whip-Stitch Waist Belt ($35)
Christian Dior shoes
Cynthia Steffe Laser Cut Shift Dress ($198) in Rich Black
McQ Alexander McQueen Printed Leather Shoulder Bag ($313.90)
Manolo Blahnik Campari Patene Leather Mary Jane Pumps ($645) in Black
- 6 of 8
Olivia Wilde
At the London premiere of her latest film Rush.
On Olivia:
Gucci custom tuxedo
Jimmy Choo Anouk Pumps ($595)
IRO Rania Tuxedo Jacket ($615)
Vince Side Strapping Pants ($265)
Elizabeth and James Vino Pointed Pumps ($298)
- 7 of 8
Lily Aldridge
Arriving at the 7th Annual Fashion Award Benefit Luncheon honoring Michael Kors.
On Lily:
Michael Kors Resort 14 sweater, skirt, belt, and clutch
Ofira jewelry
Givenchy Zip Around Leather Heels ($650) in Nude
Pink Tartan Elbow Patch Cashmere Sweater ($395)
Calvin Klein Stretch Pencil Skirt ($55)
Mango Touch Metallic Heel Sandals ($90) in Nude
- 8 of 8
Georgia May Jagger
Arriving at the 30 Days of Fashion and Beauty launch party in Australia.
On Georgia:
By Johnny The Lula Drop Flare Dress ($400)


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The Power of Introverts
Our culture favors extroverts. It's hard not to be drawn in by their
enthusiasm and what they have to say. Being an introvert, however, can be
intimidating, overwhelming, even shameful.
According to social psychologist Susan Cain, an introvert herself, "There's zero correlation between being the best talker and having the best ideas." In this TEDTalk, Ms. Cain passionately tells her own story, and makes the case that introverts have extraordinary talents and abilities that should be encouraged and celebrated.
- In Small Groups and Small Towns, Opposition to Citizens United Spreads
Ordinary, introverted Jennifer Robinson helped convince her town to officially oppose the Supreme Court decision. You can, too, with a little help from your friend
- Bring on the Learning Revolution!
In a sequel to his talk on how schools kill creativity, Sir Ken Robinson urges society to create schools where kids' natural talents are recognized and nurtured.
- Nurturing Creative Thinkers
In this entertaining talk, Sir Ken Robinson asserts that to get the best out of people, schools need to nurture creative thinkers rather than good workers.
That means, we rely on support from our readers.
Independent. Nonprofit. Subscriber-supported.


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12 Tasty Car Snacks for Your Next Road Trip
Whether you're just driving the kids home from school or hitting the road for a family vacation, it's good to have a few kid-friendly snacks on hand. We've pulled together 12 treats (6 store-bought and 6 DIY) to keep kids and grown-ups happy when hunger strikes on the road.
Traveling in a big group this summer? No problem. Try one of these foods for a fun family trip or stop by one of our favorite local stops during your travels!
By Kristyn Lyncheski
Kind Mini Fruit & Nut Delight
Perfect for stashing in the glove compartment, the Kind Mini Fruit and Nut Delight bar will satisfy a rumbling tummy for only 120 calories. Filled with whole nuts and fruit pieces, its crunchy texture and just-sweet-enough flavor had our taste testers raving.


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Revlon At-A-Glance
Strengths: Superior foundations with sunscreen and each of them provide sufficient UVA protection (though one has a disappointing SPF 6); several outstanding concealers and powders; one of the best cream blushes around; great cream eyeshadow and liquid eyeliner; a beautiful selection of elegant lipsticks, lip gloss, and lipliner; some worthwhile specialty products.
Weaknesses: Average eye and brow pencils; inaccurate claims surrounding their Botafirm complex; mostly average to disappointing mascaras.
It may surprise some of you to know that Revlon has been around since 1932, when the company launched a unique nail polish that used pigments instead of dyes. Lipsticks followed years later, and then a full line of cosmetics, which is how we know Revlon today. Although the company has had its continual share of ups and downs over the years (largely due to out-of-control debt coupled with aggressive spending), the line has recently made numerous improvements, especially in the realms of foundations, powders, eyeshadows, and mascaras. It is quite a feat that Revlon products earned more Paula's Pick ratings per category than any other drugstore line reviewed. If their goal was to close the competitive gap between themselves and L'Oreal, for the most part they have succeeded. Revlon definitely has the edge for foundations with reliable sunscreens. But despite Revlon's attempt to improve their mascara range, L'Oreal remains the clear winner (as well as L'Oreal-owned Maybelline New York).
Revlon's vast selection of makeup is divided into three main brands: Age Defying for the forty-something and older woman concerned about wrinkles, ColorStay for the teen to mid-thirties woman concerned about keeping oily skin in check and making sure her makeup stays put, and PhotoReady for women of all ages. These brands present some outstanding options and include products for all skin types (although the range of skin tones is not as well-represented here as it is by L'Oreal).
An intriguing fact is that the longevity claims for ColorStay are quite accurate: this collection of products really does offer extraordinary staying power. Conversely, Revlon jumped on the works-like-Botox bandwagon with their Age Defying range, going so far as to name their antiwrinkle complex Botafirm. Is there any confusion about what that term is supposed to relate to? Despite the claims, Botafirm won't reduce expression lines or control the muscles that cause them, though the products themselves do have many impressive qualities.
Note:Revlon is categorized as one that tests on animals because their products are sold in China. Although Revlon may not conduct animal testing for their products sold elsewhere, the Chinese government requires imported cosmetics be tested on animals, so foreign companies retailing there must comply. This requirement is why some brand's state that they don't test on animals "unless required by law". Animal rights organizations consider cosmetic companies retailed in China to be brands that test on animals, and so does the Paula's Choice Research Team.
Suffice it to say, Revlon has more commendable products than ever before, and although they rely heavily on celebrity spokespersons, their best products ably speak for themselves.
For more information about Revlon, call (800) 473-8566 or visit www.revlon.com.
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Due to limited supplies, and high demand this item has a 10 piece maximum order quantity per customer, every 1 day.
HP38 is a spherical powder that is great for low velocity and mid-range target loads in the .38 Special, .44 Special, and 45 ACP. This high energy powder provides economy in loading.
Hazmat shipping fee applies - $28.50 handling charge per 50 Lbs.
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Made from 100% stainless steel and a plush leatherette seat, the Darwen is the perfect mix of comfort and sophistication.
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DRAKESBORO, Ky. (4/17/14) — Muhlenberg County Sheriff's Deputy Derrick Moore charged a Drakesboro man with second degree wanton endangerment after receiving a complaint that he was an unwanted person at a residence in Drakesboro.
According to Muhlenberg County Sheriff's report, when officers arrived in the area, Moore spotted Zackery S. Stephens passing another vehicle on a hill on Kentucky 176. After Moore stopped Stephens, Stephens told Moore that he was hoping to meet another car so there would be an accident, the report said.
Stephens was charged with second-degree wanton endangerment, possession of marijuana and possession of drug paraphernalia. He was lodged in the Muhlenberg Detention Center.Deputies Albro and Jenkins and the Greenville Police Department assisted.
SurfKY News
Information provided by Sheriff Curtis McGehee
© Copyright 2014 SurfKY News Group, Inc. All rights reserved. This material may not be published, broadcast, or rewritten without permission. SurfKY News encourages you to share this story by using one of the social media links below.
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text: Photos (11) Apartment for sale in Aliaga 42,000 € (466 € /m2) 80 m2 | 3 bed. | 1 bath Apartments less than 26 km from Obón: Rural apartment in Aliaga (Teruel). Fully equipped and furnished. Ready to move into. Large dining room, bedrooms and separate kitchen. Located in a very quiet and surrounded by nature (overlooking the reservoir).Ideal investment renting it. Contact Contacted Price Alert Save favourite


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Barex Gloss Hairspray Normal Hold
Based on 2 Reviews
PhyllisOhioHairPlatinum BlondeColor Treated HairFine or Thin HairChemically Treated HairThe Only One You Will Ever Buy!!I am so amazed at this spray...it is everything you may want in a spray...extremely weightless, has the right amount of hold that will last all day and keeps your hair light and airy.
Humidity never a problem.
No strong smell. You have to buy it and see if it is not the only hairspray in the universe that keeps working and holding your hair to be it's most beautiful self.
You will be so amazed. I started to use it because I read that the Desperate Housewives used this product....so thought that it had to be good..and it is beyond good. Such an excellent product!!
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GraceBrooklynHairBlondeNormal HairBest Hairspray Ever!!I've been using this hairspray for 3 years and it's the best. I try other ones and always come back to this one. It's totally workable and doesn't feel sticky, so I can use it through out the day if needed. AND, it has heat protection so I use it before I flat iron or curl my hair and it adds tons of shine. It really does a little bit of everything, shine, hold, frizz etc, so if I'm in a rush I just spray this on and it makes a huge difference! I love it!2 out of 2 shoppers thought this review was helpful.
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An effective and easy-to-use driver updater
Is a 'french' Tarot game which is played over internet with mutliple clients
New to the game of 21? Still trying to figure out when to hit and when to stand? Don't waste your money learning at a real casino table
Lottery Looper is a powerful tool with no complicated interfaces to hold you back
Bicycle Canasta Games provides hours of Latin inspired family fun! Canasta is a rummy game that excites with it's wild cards and high scoring hands
Card game for 3 persons with a 32-card Piquet deck


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Remington cartridge cases are carefully drawn from specially-alloyed brass to provide consistently exact internal volume and resistance to case stretching and brittleness. Primer pocket tolerances are held to .001", and closely monitored case neck annealing ensures easier re-sizing and longer reloading life. New, unprimed brass. This is not loaded ammunition.
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