Years ago my sister had a Discover credit card. When I turned 18 she put me on the account to help build up my credit. (And just as a side note, I never used the card.) She suffered a physical & mental break down a few years later and had to stop working. She filed for bankruptcy and the Discover card was included.

(This was done before the laws on bankruptcy had changed btw.)

Now maybe what happened next was lawful...but it doesn't mean it was right.

I started to get hounding phone calls and letters from Discover card. I received phone calls as early as 6am and as late as midnight! And I was *lucky* if it was only 4 calls a day. I was contacted by collection agencies and denied car loans despite having, and I quote, "excellent credit if it wasn't for that $10K Discover Card write-off". It didn't matter who I talked to at Discover or how much I talked to them. I was even told that at the time of my sister's bankruptcy they simply took her name off the account and made me sole owner. I talked to CSR's, supervisors and even their legal department. Some people said simply "too bad" but most agreed that this account should not be held against me since it was included in her bankruptcy.

Even their legal department researched this and said that what they did was wrong, promising to take it off my credit and stop harassing me for money (this was told to me after 4 years of fighting). But nothing was actually done and was told "we have no record of that conversation".

At the end of 2007 it finally came off my credit but I still have received letters from collection agencies. Discover card has made my life hell.

Next Discover Card Review >>>