Review and analysis of over 73 complaints against Discover
Discover consumers have reported over 73 official complaints related to Payoff process. Out of the 73 consumer complaints against Discover, 16% were disputed by the consumer (i.e. the consumer was not happy with how Discover responded to their complaint) and 100% were processed in a timely manner. 18% of consumer complaints against Discover resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 7% resulted in non-monetary compensation.
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Discover Credit card payoff process January 14, 2017 - I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a repre... |
Discover Credit card payoff process August 15, 2016 - A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of - -, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to rel... |
Discover Credit card payoff process August 13, 2016 - I forwarded a payment to pay off my Discover credit card. It was received by the due date. When I received my credit card bill, instead of it being paid off, they listed an additional interest charge. I called them and they said that was interest from the previous billing cycle. I believe this is a purposely fraudulent practice by Discover. I should not have to call them to get a pay off. Their statement should tell me the date interest is charged and what it was calculated on. It should be listed on the statement for the period on which it is calculated. In the end, they are refunding the i... |
Discover Credit card payoff process July 18, 2016 - Discover card allows users several options to make payment automatically on their website. 1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reas... |
Discover Credit card payoff process June 21, 2016 - The Credit Card Accountability Responsibility and Disclosure Act of - requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over $400.00 in interest that I should have not had to pay. Their not following the law is most obvious last month ( - - ) when I had a balance of $2400.00 subject to a 22.24 % interest rate, and a balance of $6400.00 with a 0 % interest rate. The minimum payment on - statement was ... |
Discover Credit card payoff process June 11, 2016 - I have had a credit card with Discover Card since -. My husband was laid off. During that time Discover worked with us and we completed a 12 month program. After the program was completed they offered me a settlement on of around $5500.00 on a $12000.00 balance but said they would revoke my card. I have been working hard to reestablish my credit and did not want to have them revoke my card. A few months later ( - ) after selling my home I was able to pay the balance of the credit card in full. I received a letter dated - -, -, after paying the balance in full, I received a l... |
Discover Credit card payoff process May 10, 2016 - I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown - before the pay down - and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before i... |
Discover Credit card payoff process May 6, 2016 - Discover has misreported a balance on a credit card that was paid close to 4 years ago. I pulled up my credit report and it is still showing a balance even though I already paid it. This has caused stress on my credit report. I 've written them a letter and disputed it on my credit report however nothing has been resolved. Please help me get this account removed or reduced to what is accurate. ... |
Discover Credit card payoff process April 25, 2016 - Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. - - -, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed. ... |
Discover Credit card payoff process December 26, 2015 - I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of $100.00 each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later... |
Discover Credit card payoff process December 4, 2015 - A couple of years ago I have discovered unauthorized charged on my Discover card, and have contacted Discover with hopes of resolving the issue. Discover shut down my card and nothing was resolved. I refused to pay the amount I did NOT authorize thus Discover sent this account to collections. This year I decided to clear negative items from my credit and contacted Discover with hopes to pay in lieu of them removing this account from my report. A few months later I received a statement from Discover stating that they have charged off this account but if I wish to pay it I should contact - -... |
Discover Credit card payoff process November 16, 2015 - I owed Discover Card money and I was having difficulty paying my bills. I was able to pay every month but sometimes it was not the required amount. In -, I paid after speaking with - of their representatives, however, I received a phone call 5 days later to pay the money owned. I find this to be annoying and I stated to Discover Card that nothing miraculous happened in the five days since I paid. I did not get a job or win the lottery. I thought this was harassment and I requested no phone calls. The same thing happened in - and I had to call again about no phone calls and I was told ... |
Discover Credit card payoff process July 11, 2015 - I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard... |
Discover Credit card payoff process June 8, 2015 - I have a credit card account with Discover Card. During the past year, I have been unable to pay my minimum balances and the debt has been in danger of charging off. I was finally able to afford to start a payment program with Discover in -, 2015, and began a five-year plan to pay off the debt with regular payments for $97.00 to come out of my checking account on the - of every month. On - -, I received several calls from Discover ( there had been no prior calls from them in -/-/- ). I returned their calls on -/-/- and was told that my payment for -/-/- had been re... |
Discover Credit card payoff process May 14, 2015 - The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent. ... |