Complaint / review text:
In going through a recent hardship, I decided to put my Discover balance of over 10K into a line of credit/equity loan at 0%. I stopped payment for a month seeing that all I was paying was simply interest anyway. I made a few calls to Discover and asked for the best settlement amount that they could offer. I made 3 or 4 different phone calls, each representative giving me a better number.
So the last representative gave me a great number. I said I would call back in 2 weeks (when the funds would be available) and make the payment. They agreed. A week later I receive a call from a persistent operator from Discover who says that she needs a checking account number to hold the deduction amount. I declined because I wasn’t ready with the new information at that point, but she continued to try and get any checking account number out of me to simply hold this amount of deduction. I declined and stated that I had already had an agreement to call back in a week and make the payment, but she kept on asking.
I abruptly ended the phone call and did not authorize anything, stating I would call back on the agreed date. A week passed and I called back to make full payment. The operator that answered the phone states to me that there is a payment processing that day and cannot be canceled in the amount of $1102 entered after my last conversation with the rude representative. I say, “What? ” They even stated that I authorized the payment, which I know that I did not! I then am told that the best that they can do is have me call my bank and try to stop the payment. I say to them, “You made this mistake; now I have to go and make all the phone calls? ” They offered a manager to review the case and give me a call that afternoon and no one returned my call. I even called back in the evening, spoke with an entry level representative who stated I would get a call from a manager that night and I still didn’t. Is there anyone I can call to report these scam/fraud artists? There has been no resolution about this situation. No one has even called me back! I would love to put a lawsuit on them if any lawyer is reading this!