topic Re: I tried to tell y'all — Discover in Credit Cards

I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:01:50 GMT

I am here to report that Discover is still holding a payment for the second week. I've made payments to Discover since then, but that payment that I was saying they had on hold, they're still messing up my account with that.

They already refunded my check return fees, but they are charging additional ones. Which they're going to keep refunding. It's out of my hands. Discover's going to start issuing out some credits.

And it's not my fault either. Something is wrong with Discover's payment system. This is week 2 of their hold problem. Which I told them not to do, but people on this board didn't believe me for some reason. Instead they wanted to start asking me what I did for a living and started talking about how to budget and divvy up the money that I make, while ignoring the true issue.

Re: I tried to tell y'all — Discover

myjourney — Fri, 13 May 2016 03:10:09 GMT

Not sure what's going on with your account but it seems to only happen to you ...

No other reports whatsoever from anyone else here

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:13:04 GMT

I remember your issue. Discover had waited a few days to withdraw the funds from your bank account because they held your payment, and when Discover finally decided to take the payment you had authorized there weren't enough funds to cover it. If I remember correctly, you felt that because they waited so long to withdraw the funds that it was their fault for the returned payment. I'm sorry to hear that you are still having problems with payments to Discover.

Re: I tried to tell y'all — Discover

GeorgiaBulldog — Fri, 13 May 2016 03:22:41 GMT

I wonder how long it will be till this thread gets locked.

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:24:05 GMT

They're going to need to cancel that payment, like I told them to do two weeks ago.

I've been on top of this since day one. I told them this is what would happen.

They put a hold on that one payment. People don't schedule same-day payments, only for it to be taking it's sweet time doing transactions two weeks later. It has been weeks.

Re: I tried to tell y'all — Discover

myjourney — Fri, 13 May 2016 03:24:43 GMT

@Anonymous wrote:
I remember your issue. Discover had waited a few days to withdraw the funds from your bank account because they held your payment, and when Discover finally decided to take the payment you had authorized there weren't enough funds to cover it. If I remember correctly, you felt that because they waited so long to withdraw the funds that it was their fault for the returned payment. I'm sorry to hear that you are still having problems with payments to Discover.

Yep thats's the one Justme

And I'm putting it out there to all we are not going back down this road again like last time or like last time

I'll have it locked again

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:28:47 GMT

Something is wrong with Discover's payment processing, because the payment never should've been put on hold in the first place. I'm going to make some phone calls so stay tuned—I'm not done yet!

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:29:53 GMT

Discover placed a hold on a payment I made recently as well.

I was at $819/ $1000, I scheduled a payment of $619 to come out on 05/02/2016, it was scheduled and taken out of my account on 05/03/2016. Showed my balance as $200/ $1000, however I didn't have the credit available in may account until yesterday 05/11/2016.

I think my situation is not what you were describing as they did debit the money from my checking account, they just placed a hold on available funds. This is a newer account for me (2 statements in) and this was the most I had charged, and the biggest payment I had made. I called to inquire about it and they told me they did a hold since it was such a large payment, but now thst my account is established I wouldn't have thst happen any more.

Hope this helps FWIW

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:31:04 GMT

@myjourney wrote:
@Anonymous wrote:
I remember your issue. Discover had waited a few days to withdraw the funds from your bank account because they held your payment, and when Discover finally decided to take the payment you had authorized there weren't enough funds to cover it. If I remember correctly, you felt that because they waited so long to withdraw the funds that it was their fault for the returned payment. I'm sorry to hear that you are still having problems with payments to Discover.
Yep thats's the one Justme

And I'm putting it out there to all we are not going back down this road again like last time or like last time
I'll have it locked again
MJ

I'll do my best not to let that happen!

OP, are you saying that they are still trying to put that same payment through, or are they holding an entirely new payment?

Re: I tried to tell y'all — Discover

CreditCuriosity — Fri, 13 May 2016 03:37:35 GMT

Not again .. I can't handle another one of these

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:38:04 GMT

I thought this was done, I thought this was over with. If the payment was returned, the payment was returned. They already charged a returned check fee. They already refunded that return check fee. I've made and processed other payments from my bank that have already went through. So here I am sitting here with a card with 80 percent of the credit line freed up, but a held payment of an extra 20 percent. The thing about it is nobody at Discover told me how long they would be retrying this payment. They're taking an axe to my bank account. And the funny thing about all of this is, I removed my bank account information from Discover's website.

They need to stop. I'm going to spend another 4 hours on the phone with them. Let's see if they can figure this one out. You know this is Discover. Let's see what they come up with this time.

Re: I tried to tell y'all — Discover

DoroLucky — Fri, 13 May 2016 03:39:02 GMT

I remembered but didn't get to post in that thread cuz of the MJ effect lol

Re: I tried to tell y'all — Discover

driftless — Fri, 13 May 2016 03:39:30 GMT

I remember motoleo from his last thread. Is there any wonder that Discover is holding a check after motoleo bounced the last one on them? And, then motoleo tried to blame the bounced check on Discover? I don't think that MJ should lock down this thread but instead make it a sticky.

Re: I tried to tell y'all — Discover

CreditCuriosity — Fri, 13 May 2016 03:44:05 GMT

@driftless wrote:
I remember motoleo from his last thread. Is there any wonder that Discover is holding a check after motoleo bounced the last one on them? And, then motoleo tried to blame the bounced check on Discover? I don't think that MJ should lock down this thread but instead make it a sticky.

+1.. Nothing more to ad

@OP read bolded that is your reason right there..

Best of luck with Discover... I think you two should part your ways to savfeyou aggrevation and theirs as well.

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:46:09 GMT

@Anonymous wrote:
I thought this was done, I thought this was over with. If the payment was returned, the payment was returned. They already charged a returned check fee. They already refunded that return check fee. I've made and processed other payments from my bank that have already went through. So here I am sitting here with a card with 80 percent of the credit line freed up, but a held payment of an extra 20 percent. The thing about it is nobody at Discover told me how long they would be retrying this payment. They're taking an axe to my bank account. And the funny thing about all of this is, I removed my bank account information from Discover's website.

They need to stop. I'm going to spend another 4 hours on the phone with them. Let's see if they can figure this one out. You know this is Discover. Let's see what they come up with this time.

I'm not 100% sure how it works with electronic payments, but I do know with checks if a check is returned for insufficient funds, the person is allowed to try to re-deposit that check one more time (but only one more time). I would think the same would be true for an electronic payment, but not sure if they are allowed to try to withdraw more than once.

Re: I tried to tell y'all — Discover

myjourney — Fri, 13 May 2016 03:48:50 GMT

@Anonymous wrote:
@Anonymous wrote:
I thought this was done, I thought this was over with. If the payment was returned, the payment was returned. They already charged a returned check fee. They already refunded that return check fee. I've made and processed other payments from my bank that have already went through. So here I am sitting here with a card with 80 percent of the credit line freed up, but a held payment of an extra 20 percent. The thing about it is nobody at Discover told me how long they would be retrying this payment. They're taking an axe to my bank account. And the funny thing about all of this is, I removed my bank account information from Discover's website.

They need to stop. I'm going to spend another 4 hours on the phone with them. Let's see if they can figure this one out. You know this is Discover. Let's see what they come up with this time.
I'm not 100% sure how it works with electronic payments, but I do know with checks if a check is returned for insufficient funds, the person is allowed to try to re-deposit that check one more time (but only one more time). I would think the same would be true for an electronic payment, but not sure if they are allowed to try to withdraw more than once.

Correct

In the last thread which I posted Discover rules it clearly stated a returned check may be resubmitted up to 3 times

Re: I tried to tell y'all — Discover

Anonymous — Fri, 13 May 2016 03:53:07 GMT

@myjourney wrote:
Correct
In the last thread which I posted Discover rules it clearly stated a returned check may be resubmitted up to 3 times

Thank you! I must have missed that post. I wonder if that is true for all electronic payments, or is this specific to Discover?

Re: I tried to tell y'all — Discover

myjourney — Fri, 13 May 2016 03:55:00 GMT

@Anonymous wrote:
@myjourney wrote:
Correct
In the last thread which I posted Discover rules it clearly stated a returned check may be resubmitted up to 3 times
Thank you! I must have missed that post. I wonder if that is true for all electronic payments, or is this specific to Discover?

My bad I should have clarified better

It stated check/electronic payment

Re: I tried to tell y'all — Discover

NichelleN — Fri, 13 May 2016 04:01:29 GMT

I definitely remember this from the last time.

All I have to say is good luck OP!

Re: I tried to tell y'all — Discover

DoroLucky — Fri, 13 May 2016 04:03:48 GMT

:
@CreditCuriousity wrote:
Not again .. I can't handle another one of these

Hahahaha MJ is on it