Hey Manny -- Here's My Discover Ltr

Discussion in 'Credit Talk' started by DaveLV, Jun 25, 2001.

  1. DaveLV

    DaveLV Well-Known Member

    Hi there Manny -- I saw you post on my black light thread... :)

    I was going to email you this, but I thought I'd post it here for everyone. I won't post this person's telephone number here, but if anyone wants it, just email me.

    Remember -- last month I sent a letter to Discover asking them to adjust my account that had been past due forever. Also -- I noticed last week a new inquiry on Equifax from Discover. It turns out that my letter was the cause of it. They didn't reinstate my account because of my false repossession. I'll give this guy another try after I get this resolved.

    June 8, 2001


    Dear DaveLV:

    Thank you for your recent inquiry to the Executive Offices of Discover Financial Services, Inc.

    I am sorry to learn of the difficulties which you experienced in the previous years with your personal challenges. In reviewing your Discover Card Account, I found the late charges and overlimit fees you received are valid. However, upon reviewing your recent payment history, I have honored your request to adjust some of the fees from your account. Late charges totaling $60.00 and overlimit fees totaling $45.00 were removed and credited to your account effective the June 6, 2001 [SIC]. The credits will appear on your July 3, 2001 statement.

    Per your request, an application to have your charging privileges restored was submitted today. You should receive a response to your request within 30 days. Discover Card's mission is to help out Cardmembers whenever possible to the best of our ability.

    I hope that I was able to fully assist you with your concerns. If you have further questions or concerns, please contact me directly at (302) xxx-xxxx, ext xxxx, weekdays from 9:00 a.m. to 6:00 p.m., EST.


    Brice Brown
    Executive Inquiry Specialist
    Cardmember Service
  2. MiamiBlues

    MiamiBlues Well-Known Member


    I'm glad that Mr. Brown was able to help you and I hope he gets your account restored. I was thinking of doing the same but I think I'll wait till after the closing of our new home.

  3. G. Fisher

    G. Fisher Banned

    Please post the original letter to Discover.
  4. DaveLV

    DaveLV Well-Known Member

    I can do that for you. I'll get to it later today when I have time to pull it out of my files.
  5. DaveLV

    DaveLV Well-Known Member

    Greg -- I just wanted to let you know I didn't forget about this, I just haven't been able to get to the typing yet. For some reason I didn't save the original document, just the hardcopy.
  6. DaveLV

    DaveLV Well-Known Member

    Okay -- after a long delay, here's my incredibly embarrassing letter to Discover.

    Mr. Brice Brown
    Executive Inquiry Specialist
    Card Member Services
    Discover Financial Services, Inc.

    Dear Sir:

    I was given your name and other contact information by a friend who says you were able to assist him in straightening out problems with his Discover Account. I've created a problem with mine that I'd like to explain in the hope you may be willing to help me.

    I've had a Discover account since 1990. In 1995 I changed careers and had to move to a different city for employment. The move was financially stressful and I ended up accidentally overdrawing my checking account in the process. The bank closed my account and listed me with an agency called Chex Systems which prevented me from opening another bank account for the next five years.

    Because I had to pay cash for everything, this meant that I also had to remember to either stop into Sears to pay Discover or remember to purchase a money order to mail for payment. After forgetting to do this a few times my account was frequently past due, there were late charges which led to overlimit fees, and I became so discouraged with my financial situation that I would ignore my billing statements.

    The fees and interest continued to build. I began doing well in my new profession, but never had the spare money to pay down the account in a lump sum. I was embarrassed every time I had to bring my statement into Sears to pay because of the past due amount, and would still frequently let the payment go for several months at a time before paying.

    Since 1998 I have had several credit card accounts with which I've demonstrated a flawless payment history. In March of this year I was finally able to open another bank account. I began to look at my credit reports and to make arrangements with old creditors. I began earnestly repaying my Discover account at that time and am now under my limit. My plans were to make smaller payments now over a period of time to demonstrate better responsibility and then to call the customer service number to request the account be reopened. While I was talking about this situation with a friend this week, he suggested I write to you, as you helped him with a similar situation recently.

    I believe the difficulties in my life are finally behind me, and it is my intention to pay all amounts due to past creditors and to keep paying my existing accounts as agreed. I regret the poor way in which I handled my Discover account. What I'd really like is to work out a way in which the account could be reopened, even if it is at a greatly reduced credit limit until I can prove I will maintain the terms of the account. In the understandable event that you are not willing to reopen the account I'd like to ask if you could find a way to credit a small portion of the fees I've built up over the last few years. At that time, when I know there is no way of ever reestablishing an account relationship I will pay the remaining balance within sixty days if you so desire in exchange for your generosity.

    My personal information is as follows:

    Name, DOB, Account number, SSN. I am employed as a _____________ with _____________ at a salary of $_________. My employer's address is ___________. My employment can be verified by calling ________.

    I appreciate your time spent reviewing this matter.


  7. MiamiBlues

    MiamiBlues Well-Known Member

    Hey Dave,

    Nice letter! I'm glad Mr. Brown was able to assist you. I was thinking of writing him for an APR reduction.

  8. Dani

    Dani Well-Known Member

    Good letter, Dave. I sent my letter to Mr. Brown on Saturday morning asking for a credit line increase without a hard inquiry. I'm keeping my fingers crossed.


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