Marketing Payment Protection Plan is a fraud.

Posted Mon August 25, 2008 12:00 pm, by Dianne C. written to Discover Card

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I received a call earlier this month from Discover Card stating that they were sending me some literature. I had no idea why they would need to call me to send a letter and they also informed me that the call was being recorded. Again, warning bells should have gone off but for some reason, they didn't. On Saturday, I received a notice from Discover that I had signed up for their payment protection plan. I tried to call them to tell them this couldn't be right but they were closed on Saturdays. I didn't bother to call back on Monday because the second page of the letter I received stated I needed to sign the form and send it back to them in order to fully sign up on their payment plan. I just chalked it up to me misinterpreting the first page of the letter and that I didn't sign up for anything.

Today I received my Discover card statement and there is a charge on it for $12.04 for the payment protection plan I had "supposedly" signed up for. I was furious. I called the 877 number and spoke to someone - she told me that I had agreed to the protection plan by agreeing to accept the literature they sent me. I then told her that my phone call was being recorded and that I would like to listen to it and actually hear myself say that "yes, I want to enroll in the payment protection plan". Needless to say, she was rude and I asked for her supervisor. I was on hold for 10 minutes and spoke to someone else. He was very rude and basically told me that the charge was being reversed and what the heck was I complaining about. This infuriated me. I had two issues - the first being how the heck did I sign up for this payment protection plan (it was fraud as far as I was concerned). No one ever told me anything about signing up for anything - just that I was receiving some literature through the mail. The second issue is how I was treated when I called to complain. I am just furious with this whole mess. I have been a very loyal cardmember since 1992 and have always paid my bill in full all the time! Now, granted, they don't make any money off me in late fees or interest but I charge a lot on my account so they do earn money from me. I am now going to cancel my account with them once I receive my cashback reward from them. In the meantime, I will stop using my card. Anyone else have this issue regarding their payment protection plan?

I would like an apology - stating the customer service people should never have spoken to me in that manner and that their marketing for their payment protection plan needs to be reviewed and revamped!

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Re: Marketing Payment Protection Plan is a fraud. by Louise Posted Thu February 12, 2009 @ 12:20 PM Hello, I just went through something similar and am still shaking at the way the clerk treated me when I called to say that we had just signed up for the Discover card and although we had declined the protection plan, it was added anyway. I called to complain and to ask that my account be credited. I had to tell my story 3 times because I kept being transferred. I finally got to the right department and spoke to a Dayton Keale (sp?).. who knows if that's his real name. He was unbelievably rude and arrogant. I ended up screaming at him to cancel this thing.. I've never lost it like this in my life with a credit card company. He kept telling me "I don't understand why you would want to cancel it!".. he sounded like a Kerby Vacuum Cleaner salesman.. I hung up on him after he told me he had cancelled the plan but I don't trust it for one minute. If the charge comes through again, I'm cancelling my Discover card. I called back to complain and asked to speak to his supervisor. A young woman with an accent (not that there's anything wrong with that) put me on hold saying she would speak with her supervisor about it. Several minutes later she came back and stated that the supervisor was going to listen to the "recorded conversation" and would take necessary measures if indeed it was found that Mr. Keale was rude and disrespectful. I am not holding my breath.. this is obviously B.S. and frankly, it is downright fraudulent. Why isn't this on the 6 o'clock news? Or maybe it was and I missed it. I doubt that trying to contact an Executive at that company would make a difference. They are obviously all in this together.. It's a sad world we live in when crooks run companies whose sole purpose seem to be to exploit others. Take care and thank you for sharing your experience so that others may learn from it. Louise Reply Re: Marketing Payment Protection Plan is a fraud. by Scott S. Posted Sun November 16, 2008 @ 6:49 PM I had exactly the same thing happen to me. I think fraud is part of their business plan. No doubt they'll collect from millions of cardholders that aren't paying attention to their statements. They need to be in jail. Sorry weasels!!! Reply Re: Marketing Payment Protection Plan is a fraud. by RowdyRetailer Posted Tue August 26, 2008 @ 9:01 AM This is the credit card companies way of making money off you. They are a bunch of snakes and will bite you! I agree you should cancel your card, you should take it one step further by cancelling all of your cards. If you pay off your balances every month you don't need them anyway. Try using Cash to pay for your purchases. You don't need credit cards to make it in life. Read all of the stories on here about credit cards. They will get you in the end. Good Day Reply