Discover Card Dispute Process

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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MemberSince99
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Discover Card Dispute Process

Postby MemberSince99 » Sat Dec 29, 2012 11:04 am

Well today I got to try this out. I had been curious how they handle disputes and had posted asking that and no one responded. Now I have personal experience to relate.

I ordered a battery for my Mint floor cleaner off Amazon. It was from a third party seller (first red flag no doubt, as Amazon has always been great). Item paid for with Discover 12/11 and seller claimed DHL delivered on 12/18 to my PO Box. No signature confirmation, and I never got it. So it becomes "he said she said". And you know who everyone is going to want to leave holding the bag for that, I don't even need to say it do I?

I try to file a claim on Amazon, go through the process, but there is no claim visible when I go back. So I'm going to get nowhere with that since it's some third party. So then I call Discover. They were very nice, as always, but the bottom line is they refused to file the claim saying I have to wait until Jan. 18th because they "want to give the merchant time to deliver the item". Um, the merchant claims it was delivered, do you REALLY think it's going to magically appear all of a sudden now? Regardless we have to follow our agreement with the merchant. You can dispute it after Jan 18th.

I mean it was 26.35 and I already paid it, and it's not the end of the world, it's the principle of the thing. Imagine if it was for 260 or 2600 and this happened. When I had a dispute recently that I was overcharged for using my US Bank Cash +, they decided immediately in my favor and they took care of me. Discover is apparently hoping you forget about it and let it go and everyone is happy (except of course for you who paid for nothing).

This is the lame kind of thing I'd expect from Capital One, not a prime lender.

I will be paying the recent charges on the card on Monday, and then I will be calling to close it, and that will be the end of that. I don't need a company that won't stand behind me if there is a problem. It doesn't happen often but when it does and I see this, I have NO USE for any lender who is like this. Period.

That's MY take on it and I'm every bit as entitled to that as they are to do things the way they see fit to. And I want to post that here for people to see, so you can decide if this is what you want to see when you have a dispute. I wish I had seen such a post before I got the Discover it would have saved me an inquiry (not the end of the world but still). Hopefully this can help you decide the next time you use a card which one it will be. Some things we can only learn through experience, and personally I'm VERY glad it was for a small dollar item. Just in general be careful buying stuff online, because a lot of these places will try to leave you holding the bag you never got!


Moneytalks
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Postby Moneytalks » Sat Dec 29, 2012 11:25 am

Thanks for info 99, I would probably do the same. Usually, businesses will do everything they can to avoid negative feedback, but if these people don't care and are unwilling to help/work with you, then do as much as you can to prevent others from experiencing the same.
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

MemberSince99
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Postby MemberSince99 » Sat Dec 29, 2012 12:15 pm

They may well help me next month, or may not, it's just speculation right now, but they sure won't do anything now about it that much we can say.

So I can't say they absolutely won't help me ever, but I can say they won't help me a bit right now.

Just wanted to clarify. I expect more from a prime bank, others may feel different.

On the plus side this gave me an idea - I did mention the US Bank dispute, that was from a carwash that took credit cards. I bought the 3 dollar wash (you can use quarters or your card to pay) and they charged me 12. Again it's not the money it's the principle. I call US Bank and 2 days later I get the letter that I do not need to pay the 9 dollars and to forget it. Now THAT is prime bank service! But anyway my idea is - I'm going to take EVERY card to this wash over the course of the winter and use them to get a wash. No doubt "errors" will continue to occur (ALWAYS in favor of the house of course....) and this way I have a pretty cheap way to judge ALL of my creditors and their dispute policies in a way that won't cost me TOO much money. Those who fail, are gone, totally serious about this, I have NO and I mean NO use for creditors who are ok with fraud as long as the victim gets screwed. Instead of helping us fight the bad guys they almost seem to REWARD them by holding you down as they screw you (the bad apples do). Anyone who fails this, is gone. US Bank passed with flying colors. I'll update results on here as the winter goes on. I wish I had seen this stuff before.

MemberSince99
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Postby MemberSince99 » Sun Dec 30, 2012 8:52 am

Well unfortunately Discover reported after a month. The bad news is, they caught me with a 199 balance (that I already paid but of course it will report for a month).

I don't trust Discover at this point but I'm not sure I should just close the card. It will NOT be a heavy hitter no matter what, but maybe I should just use it once in a while to keep it open, and remember that I CANNOT rely on them if any issues arise so I never buy anything expensive with it, and leave it at that. US Bank is and is going to remain my favorite until they change the Cash + anyway, so no skin off mine as the saying goes. I could just put a small monthly charge on it (such as Netflix for 7 bucks) and forget about it. That would almost be better than closing it as it's still not worth the hassle to Discover to have an account like that but they probably won't close it if I do that (and if they do, I honestly don't care anyway good riddance to one "prime bank"). I think that is what I'll do. i have my Associated Platinum set up for the Netflix monthly charge now, I'll just use that for a tank of gas now and then, and put the small charge on Discover and leave it be.

It's a shame in the end Discover is not really prime, but they aren't based on how they handle disputes. I would NEVER use a Discover for a big $$$ purchase knowing what I know now. At least one thing you can say for Amex is they do tend to favor the consumer in disputes. I can't say I see that from Discover, I see more of the trying to cover the tracks for the merchant while they make their getaway and hope that solves the problem. I just am not sure I want to close it, but I think I can make Discover wish I HAD closed it without doing that......payback is hell!



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