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DISCOVER FRAUD DEPARTMENT
Here is my story about my experience with Discover and the disputes I have been going through. Advise our viewers on this type of case situation if any of you run into it. Very time-consuming, stressful, and a total waste of time for me and my staff. I will start with the scenario of what has transpired from day one:
I am Gustan Cho Associates’s branch manager, a dba of NEXA Mortgage, LLC. We are a national mortgage lender licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands. I am the manager of operations, support staff, and loan origination for the Oakbrook Terrace, Illinois, Branch NMLS 2315275 located at 17W662 Butterfield Road, Suite 305, Oakbrook Terrace, Illinois. The Oakbrook Terrace, Illinois, Branch is licensed in 48 states, including DC, Puerto Rico, and the Virgin Islands. We are the largest producing branch at NEXA Mortgage in production and have a lot of monthly expenses. I have two different types of credit cards to pay my monthly debts. Under no circumstances do I ever use my personal credit card for business related expenses. I mainly use my Discover credit card for my personal expenses. My personal expenses include anything that is not business related that cannot be written off from my income taxes. If you can review my Discover card statements for the past three years, you can see that only personal expenses such as fuel, groceries, shopping dog food and other merchandise for personal use from AMAZON, personal homeowners insurance. Now Discover is saying that I am responsible for payment even though it was not authorized for concurring charges on my Discover. Anyone had things like this happen? I will update you on the progress.
NEXA Mortgage issues us a corporate credit card from US Bank to pay all our branch expenses about the business. We are only allowed to charge business expenses. Any business expenses is charged to US Bank corporate business credit card. Business expenses includes rent, advertising expenses such as (YLOPO, RAVEN, ZILLOW, GOOGLE LEADS) expenses for leads, marketing, printing, co-marketing expenses with realtor partners, business lunches, travel, licensing, training and education, and any other direct and/or third-party business-related expenses. I have always use any business-related expenses on my corporate US Bank Visa card for business expenses and never my personal credit cards.
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2 Replies
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Discover is one of the worst credit card companies. They are notorious in decreasing your credit limit and their customer service sucks. While Discover is generally considered a reputable credit card issuer, some people may have negative perceptions or experiences. Here’s an objective overview of Discover’s reputation and some reasons why some might view it negatively:
Positive aspects:
- There is no annual fee on most cards
- Cashback rewards program
- Good customer service ratings
- U.S.-based customer service
- Free FICO score access
Potential negative aspects:
Limited acceptance: Discover is less widely accepted than Visa or Mastercard, especially internationally.
Lower credit limits: Some users report receiving lower credit limits than other issuers.
Fewer premium card options: Discover only offers a few high-end cards with luxury perks.
Marketing practices: Some people find Discover’s marketing aggressive or annoying.
Credit profile targeting: Discover may be perceived as targeting consumers with lower credit scores.
Limited benefits: Discover cards may offer fewer travel perks or insurance benefits compared to some competitors.
History of telemarketing: Discover faced criticism for aggressive telemarketing tactics.
It’s important to note that credit card experiences can vary greatly depending on individual circumstances. Many users are satisfied with Discover, while others may prefer different issuers. When choosing a credit card, it’s best to compare options based on your needs and financial situation.
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Anything positive about DISCOVER needs to be Fact-checked. Worst credit card company on this planet hands down.