Discover card allows you to set your payments up on their web site to be deducted from your checking account each month. It is called DirectPay. The site gives you 4 options of what you want to pay. 1. the minimum due, 2. the minimum + a fixed amount, 3. a fixed amount you set and 4. the full balance. I set a fixed amount to be drafted from my checking account each month. I have a e-mail from Discover thanking my for setting up DirectPay for my amount and the date it would be taken. I spoke to Discover card representatives several times before the first payment went through. Everyone I spoke to confirmed my fixed amount. I was in collections due to I was behind a payment from several month ago and now they wanted me to make it up. I kept telling them I only had the amount I set up through their DirectPay of my fixed amount. They understood and thank you for making a payment and being a loyal customer of Discover Card. Blaa, Blaa, Blaa right!
So the first payment comes out and it is almost three times the fixed amount I set up on their web site. They said it was my minimum due and I agreed to it when I set up my DirectPay on the site. I said no I authorized a fixed amount. We sorry but that amount was less than the minimum amount so we took the minimum to make your account current. No we can't reverse it because you set it up on the DirectPay site.
Now my checking account is overdrawn and overdraft fees have been added and my bank is trying to reverse the payment for me because they agree that I only authorized a fixed amount and not the minimum payment due.
Be carefull when you set payments up with Discover Card's DirectPay. No matter what option you choose, if it is less that the minimum due they will take the minimum due for you anyway and blame it all on you.
Disapointed in Discover Card
