Ever been over-charged by a legitimate merchant for a legitimate purchase and had everyone fail to give you your money back? That' s my story with Discover Card and LetsTalk.com.

Discover Card nor LetsTalk are not interested in helping customers who have been over charged resolve the over-charge issue and I'm living proof.

Facts:
1) If they were they would have a process (their dispute process literally does not include over-billing by legitimate merchants having access to your charge card number)

2) Discover Card literally found the attached receipt photo to be completely acceptable -- where the merchant's receipt claims that $99 plus a -$99 credit = $99. Further, Discover Card fully endorses merchants who invoice, then re-invoice with this "bad math."

3) Discover Card will close your case -- no matter what evidence and no matter how well you present the case. The monkeys on the other end simply don't care. They literally cannot grasp the concept that I've been OVER CHARGED by the merchant on a product that I WANT and RECEIVED.

*** This simple dispute is literally not within Discover Card's typical dispute process. ***

I have spent weeks -- online and offline sending and re-sending communications to Discover Financial Services and LetsTalk.com that are very clear: First, I don't FIT in Discover's damn process box for disputes. Second, here's my problem: BEING OVER BILLED by a merchant. Dismiss, dismiss, dismiss.

Thanks Discover Card! Thanks for nothing. Hey, check out the attached receipt. What fantastic math!

This has been ongoing since 1999 and the harassment and extortion this bank has committed is unreal.

In 2004 I investigated an unfamiliar trade line on my credit report with Discovercard. They told me to send a letter in writing including my name, address, social, and any account identifying information to correct the information.

Within a month of complying, I started receiving calls from their office claiming I owed $6, 000. I told them the story, I did not recognize the account and was looking for information about the debt, how it originated, copies of signatures, sales receipts etc. to establish the true identity of the account holder. They told me at that point they added my social to the account and 'good luck' getting it removed. So much for amicably working to have the false information corrected.

I received a barage of harassing phone calls which all met with a copy of a letter asking for specific notarized information and signatures about the debt. This continued from 2004 - 2006.

In one follow up call in 2006, it was finally admitted I answered their 'challenge' questions incorrectly and obviously the account was not mine. It was admitted on the phone that in 1999 they sent a pre-approval of credit in my name to an address I no longer lived at. They admitted the account was opened fraudulently. I requested something in writing indicating the trade lines would be removed. The woman was hesitant, but wanted to help and about a week later I got a very generic letter stating they instructed the credit reporting agencies to delete the trade line as the account was 'unverifiable'.

My state has a 6 year statute of limitations. It MUST drop. WRONG - Discover card sold the account to their junk debt buyer Weltman Weinebrg and Reis and that is another complaint all by itself with their illegal business practices and history of consumer fraud around the US.

So Discovercard gives my personal information to a junk debt buyer and the calls start again. I send only a copy of my letter stating the account was unverifiable, as well as a copies of the unanswered letters requesting information dating back to 2004.

The junk debt buyer elects to participate in the illegal use of court documents in an effort to phish for information. They put the documents in the name of 'Jane Doe' (obviously they don't know who legally is responsible). Then they put it in the name of someone else with the same first name/different last name than me - I don't even know this person. Then finally they add my name to it on the third attempt.

So here it is 2009 and I the credit reporting agencies refuse to delete the trade lines and allow re-aging of the account to make it appear as a recent charge off.

I write letters of complaint and Discover tells the Department of Banking I fabricated the 2004 document and refuse to comment on the illegal re-aging and still refuse to produce any validating documentation to reflect the ownership of the account and any associated charges.

Still - pending.

I recently called Discover to confirm why my November payment had not been posted to my credit card account only to learn Discover had no record of the payment. I learned from the account manager that due to Discover changing their payment address that several million payments are missing!!! And the company is charging late fees and finance charges to all these customers whose payments are simply lost!!! Can you believe this?? Thankfully my check wasn't cashed so I could stop payment, but of course my bank charged me a fee to stop the check. I think Discover should reimburse all the customers that are affected by this and do it immediately!! It's the holiday shopping season too...If you have recently called Discover and they can't locate your payment, please report it on here. The more people that come forward the better so Discover is held accountable for once!!! Ugh

I had a Discover Card that I had an approximate balance of $3, 000. on. I had some unforeseen circumstances, mostly medical, that caused me to fall behind in payments. Discover turned my account over to an attorney, who took me to court. In the past two months they have received judgment on me for the $3, 000 with an interest rate of 21.99% and attorney fees of around $1, 000. I had offered to pay the attorney's $50.00 but they would not accept it, so that is why they took me to court, because they felt like I was not willing to pay my debt.

As of yesterday, 5-16, 08, the attorneys have placed a trillion dollar hold on three bank accounts that my name is on; mine, my mother's, and my daughter's. All of us are unable to access our accounts. I am assuming that the reason they are doing this is because they would not be able to garnish my pension (state law), and the other income I have would give them only $50.00, (25% of my earnings). My daughter's and my mother's accounts have the money to pay the debt, but it will leave both of them with nothing. The attorney had told me that Discover will not mess with you and it's obvious that this is true. It appears that they will do whatever it takes to receive their money.

My suggestion to anyone who is looking to have a Discover Card. BEWARE!!! If you lose your job or have an unexpected illness and are unable to pay your bill, expect to be turned over to attorneys. I'm sure that I am not the only one this has happened to and I'm sure I won't be the last. I have absolutely nothing good to say about Discover, their attorneys, or the tactics that they have used to recover a $3, 000. debt.

Discover Card APR interest rate increased to 24.99% - but nothing negative on credit report and all Discover payments made timely.

I have had a Discover Card for quite some time. Recently, they raised my interest rate to 24.99%. When I called the company to find out the reason they stated there was nothing wrong with my Discover payment history or credit history records. It was just that now it was their policy to increase the rate for "competitive reasons." When I pointed out that none of the APR rates had been increased by my other credit cards accounts, the customer service representative just repeated that Discover Card had changed policies. It is my strong opinion that the increase in my Discover Card APR is usurious and unreasonable.