Report: #712524

Complaint Review: Discover Credit Card Services

  • Submitted: Thu, March 31, 2011
  • Updated: Fri, April 01, 2011
  • Reported By: Belinda — austin Texas United States of America
  • Discover Credit Card Services

    Charlotte, North Carolina
    United States of America

Discover Credit Card Services Discover Bank Payment Protection Services Fraud Charlotte, North Carolina

*Consumer Suggestion: You didn't look at your DFS statement for nearly 2 years?

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Two months ago (January 2010) I noticed a $30 charge on my Discover credit card for "PAYMENT PROTECTION PPD". I called into Discover to investigate the charge, and they told me it was a recurring monthly fee that I was being charged because I was part of their Payment Protection Plan.

I never signed up for this service.

I told the representative on the phone that I never signed up for any such service, and demanded a refund. She told me that because I had been signed up for the service for so long, she would not issue me any refunds, but she would cancel my enrollment.

I continued to demand a refund, and she told me Discover would have to conduct an "investigation" that could take 4-6 weeks. If Discover could prove that I did not sign up for this service then she would issue me a refund.

I never heard anything back and called in 6 weeks later to inquire about the status of my investigation. I was told that no one ever started any investigation, and if I wanted to request one, I would have to wait ANOTHER 4-6 weeks for them to determine if I signed up for the program. I asked to speak to a manager, was denied and told the only thing I could do was continue to wait.

Two weeks later I received an email from Discover saying they had refunded the fees they had been illegally charging me SINCE MAY 2009.

There was no apology in the email, no statement showing there was ever any "investigation", and no mention of refunding any interest I was charged on these fees.

This company is illegally signing people up for extra services without consent and charging them monthly. "Buyer" beware!
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This report was posted on Ripoff Report on 03/31/2011 05:46 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

You didn't look at your DFS statement for nearly 2 years?

AUTHOR: MovingForward - (United States of America)

I am glad you were able to receive your refund. I am surprised that they refunded all of the charges. Normally they will only refund the past 60 days or so even if you never authorized the charge.

However, how is it that you missed a $30 per month charge on your Discover credit card statements for nearly two years? Don't you review your statements when you get them?

I'm not here to give you a hard time about how you handle your finances. But if you would like to avoid this in the future, review each and every bill you receive each month before you pay it. You will find errors and can easily correct them at the time they are invoiced. BTW, those errors seem to only go one way: to the benefit of the creditor.
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