• Report: #207620

Complaint Review: Discover Card

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  • Submitted: Wednesday, August 23, 2006
  • Last Posting: Thursday, April 30, 2009
  • Reported By: — chandler Arizona
Discover Card
2500 Lake Cook Road Riverwoods Illinois U.S.A.

Discover Card ripoff Riverwoods Illinois


1Author 1Consumer 0Employee/Owner

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I am writing this report because I feel there is something more to this that Discover Card is saying. I have been with Discover for 5 years and really have had a good relationship with them. I got a balance transfer a few years ago with a great low apr. The apr was renewable as long as I make 1 required transaction in each billing cycle.

Well last year I made the purchase late in the billing cycle but I still felt pretty safe sense the merchant I buy at always posts the same day, they posted the same day for the previous 8 months. Also every purchase I had made in the prior 12 months posted the same day. For the first time it posted 3 days after the purchase, this was also the first time I was so close to the end of the billing cycle.

I called Discover card and they renewed the apr offer and sent me a long letter stating that it was my responsiblity to be sure I made the purchase each month with enough time for the item to post. I agree with that to a point. I have no control whatsoever as to when a merchant posts an item ot my account,I beleive they can take up to 30 days from what I have been told. All I can do in good faith is make the required purchase in the alloted time frame. I also feel that would be holding my end of the agreement as far as legal ends (I'll leave that one for a lawyer).

Well for the second time I made my purchase close to the end of the billing period. Actually I made 3 seperate purchases at 3 different merchants and all was merchants that always post the same day, it was not a weekend or a holiday or online btw. The purchases were made 4 to 5 days before the last day of the billing cycle and ALL the purchases didn't post till a day after the next billing cycle! I contacted 2 of the merchants and they show that the transactions were submitted the same day as the purchase.

So for the time being I have not decided where I am going with this but I have lost my confidence that Discover card is dealing with my account in a proper fashion. I am not as concerned with loosing the apr as I am with the thought of of a company dealing with their customers with this sort of tricks.

Gina
chandler, Arizona
U.S.A.

This report was posted on Ripoff Report on 8/23/2006 9:57:10 PM and is a permanent record located here: http://www.ripoffreport.com/credit-debt-services/discover-card/discover-card-ripoff-riverwood-e5w8c.htm.

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#1 Consumer Comment

It is not always the merchant. Discover does prevent charges from posting until after the closing date

AUTHOR: Devonkell - Ny (U.S.A.)

SUBMITTED: Thursday, April 30, 2009

Gina, you weren't incorrect in thinking that Discover keeps trascations from posting. While granted, the posting date in most case does depend on when the merchant sends in the transaction feed to the credit card company, but with Discover, if that feed is sent the day before or the day of your closing date, it will not post until the day after your statement cycles. Of course, NO ONE at Discover is either aware of this or will admit to it, but it is the case.

I happen to have 2 Discover accounts. One that had the same 0% offer with 3 purchases (close date is the 2nd) and the other just a regular card that I use for daily transactions (close date is the 16th). I too made a transaction the day before my statement closed (Feb 1st) and the transaction didn't post until the 3rd (my statement closes on the 2nd). I didn't understand this because I had also made a charge on my regular card at the same store and that transaction posted.

After this happened and everyone at Discover told me it was the merchant's fault, I did a test and the next month on the 1st, I made charges on both cards for the same amount at the same store all within a couple minutes of each other. The charges to my regular card posted while the charges to my 0% card did not.

I spoke to the merchant and they said they have no control over the feeds. It's all done electronically and there is nothing manual about it.

And of course Discover can't explain it and they won't investigate it. They just say that the merchant must have done something.

Mind you, if you look at past statements on my regular card, you'll see that NOTHING with a transaction date the is either on or the day before the statement closes posts that day. They ALL post the date after the statement cycles.

Still, no one at Discover can explain that or will investigate.

Riddle me that Batman!
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