Discover Credit ! Looking to complain about bad treament from my Discover Credit Card company?
For 3 years Discover card was billing for a payment protection program that i didn't sign up for. I kept the account opened but i did cancel the program in August and requested proof of enrollment. As per their policy If they can not provide proof of enrollment they have to refund all the monies I paid to them. Discover did not comply and refuses to produce the proper proof of enrollment. I sent 2 disputes in writing & the 2nd letter was ignored. If Discover doesn't respond to my next letter I looking to complain to the proper regulatory agency. Does anyone have experience in battling these credit card bullies? Looking for names and a point in the right directions such as regulatory agencies etc.?Thanks
The Answer : What is Discover saying? If they are saying the enrollment is valid, then they have your voice on a recording approving the charge (by far the most common way this program is enrolled), or your signature on file authorizing this charge. If they do not have this proof on file they WILL credit back ALL the charges. They keep very good track of this info for this very reason. Because the "proof" may include company sensitive information it does require a subpena to get it. The voice recordings are recorded in a program that also captures the sceen print on the computer, containing the company account viewing software. So when you say they fail to provide the proper proof, I believe you. But that means they do have proof, and it is valid proof, otherwise you would have a refund. You can try Small Claims court, Discover will not invoke their right to arbitration if it is less then $5,000 claim. You should total the charges for the Payment Protection/Discover Accountguard. They will mail you older statements to do this, free of charge. If less then $5,000 take Discover to small claims court. If more then $5,000 Discover will force arbitration, and you cannot "sue" them. Contact a Lawyer.
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