Michael Marshall

Discord Marshvegas1#2946 Single Dad of 2 , 10+ Yrs Telcom Sales, Sneaker Collector/Seller/Lover. Real Real Combat Sports Fan

[Michael Marshall @MikeyMarshall]

Then you see @Discover hey send us a dm and let’s help figure this out really means don’t say things publicly

[Michael Marshall @MikeyMarshall]

@Discover — Extremely disappointed in how your company handled this situation and ultimately lost a customer over a $30 fee that should never have been charged.

On Monday morning, October 19, I made a payment of approximately $1,880 toward my Discover credit card through the app

[Michael Marshall @MikeyMarshall]

Customers deserve accurate information, accountability, and a genuine effort to resolve problems — not repeated explanations that conflict with what their own financial institution is reporting.

[Michael Marshall @MikeyMarshall]

@Discover, I would appreciate someone from your executive customer relations team reviewing this situation, explaining exactly why this payment was returned, and addressing the $30 fee and the customer service experience that followed.

[Michael Marshall @MikeyMarshall]

After years of using Discover, it’s disappointing that a situation this simple was handled so poorly that I felt closing my account was the only reasonable option.

[Michael Marshall @MikeyMarshall]

I understand that payment processing issues can happen. What I don’t understand is how a company can refuse to investigate a disputed charge, dismiss a customer’s explanation, and be unwilling to review supporting documentation.

[Michael Marshall @MikeyMarshall]

on bank letterhead to substantiate this.

So I now have my financial institution confirming that no withdrawal attempt occurred, while Discover insists the payment was returned for insufficient funds and refuses to reconsider the fee.

[Michael Marshall @MikeyMarshall]

Here’s where it gets even more frustrating.

Immediately after speaking with Discover, I contacted my bank directly. They confirmed that there was no record of Discover ever attempting to withdraw the payment. My bank even offered to provide official transaction documentation

[Michael Marshall @MikeyMarshall]

to close my Discover account. Not because of $30, but because of the complete lack of accountability, customer service, and willingness to help a customer resolve a legitimate concern.

[Michael Marshall @MikeyMarshall]

the representative refused to waive the fee. I escalated the matter to a supervisor, who repeated the same explanation, insisted the charge was valid, and offered absolutely no assistance or willingness to investigate further.

After that interaction, I made the decision to close

[Michael Marshall @MikeyMarshall]

insufficient funds. I explained that there were more than enough funds available to cover the payment, both when it was submitted and afterward. I also explained that my bank account showed no indication that Discover had ever attempted to withdraw the money.

Despite this, the

[Michael Marshall @MikeyMarshall]

using the same linked bank account and payment method I have always used.

This morning, I noticed the payment had been reversed on October 20, and Discover had charged me a $30 returned-payment fee.

When I contacted customer service, I was told the payment was returned due to

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[Michael Marshall @MikeyMarshall]

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[Michael Marshall @MikeyMarshall]

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Luka Doncic pulled up to the Jordan Brand Car Show 😳

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Welcome back to The Shortcut Live! We're breaking down a new report hinting at a new Xbox in 2027, more Super Bowl tech deals, new Galaxy S26 Ultra camera teasers, and more. Leave a comment, and maybe Matt will let Max and Kevin eat today! https://t.co/aao6vDIYst