Saturday, June 21, 2008

Satuday, June 21, 2008

UNDISCOVER DISCOVER CARD


Since DISCOVER CARD has decided to plant an unauthorized ad on this blog, YFP will provide the following information. We have tried to delete it from the blog but it keeps reappearing. This is an infringement. Therefore, we happily urge our readers not to use their services.

Report: Discover Card
Category: Credit & Debt Services
Discover Card ripoff Salt Lake City Utah
*Consumer Suggestion ..You Are Better Off Without Discover
Rebuttal BoxRespond to this report!Are you an owner, employee or ex-employee with either negative or positive information about the company or can you provide "insider information" on this company?

Victim of this person/company?Are you also a victim of the same company or person? Want Justice? File a Ripoff Report and don´t let them get away with it!

Discover Card
Phone: 877-3530989Fax:

PO Box 30395Salt Lake City, Utah, 84130-0395U.S.A.

Discover Card is one of the most abusive, deceptive, and dysfunctional organizations in existence. Discover Card is notorious for skirting, when ever possible, the Fair Credit Act. In fact, some policies are illegal. Case in point; two years ago, I noticed my interest rate slowly creeping upwards. I submitted a letter asking why the increase. Discover replayed in a form letter, the increase is due to a ‘policy change". I submitted an additional letter asking what is that policy change, of which, a duplication of the previous form letter was received stating because of a “policy change".

Therefore, I re-read the Fair Credit Act. Then, I submitted a third letter stating, “Under the law, Discover Card is required to disclose said policy change", which had no effect because I received the same response as the first two replies. Frostbite began to set in, of which, I called Discover and was connected to someone named Jeff. I put on a full court press on Jeff then reluctantly stated, “Because sometimes you (me)only make the minimum payments". Effetely, as of this date, the interest rate has skyrocket to 25.99% even though the Minimum Payments they claim I made was doubled.Spending a great deal of time and effort and getting nowhere.

One additional event began to show on my statements, Due to the aforementioned interest rate and doubling of payments, (66.00% of each payment was applied to interest). I was getting very near my limit even though there had been no transactions applied for several months – I canceled my account immediately. Even though all payments were made long before the due dates the account is now in over limit status, which the over limit amount along with an over limit fee is applied to “Cash Advance" at 25.99% - is this double dipping or what.

In summary, I am now looking for a law firm that will consider my case, along with hundreds of other Discover Card holders in filing a class action lawsuit against Discover Card and its Parent company. Arbitration is not an option, contacting any congressional member or the OCC is useless, and a waste if time – they are all brain dead! As well, Discover Card and its Parent have spent millions in lobbying against you, me, and us. RogerSalt Lake City, UtahU.S.A.
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