Discover Card sidestep... | Gripevine
We paid for a bank appraisal using our Discover Card for a possible refinance with a local mortgage company. After one month, we decided to go with another bank and company. This should have had no bearing or impact on the appraisal, which can be used by all lenders for a specified period of time between 4-6 months. Our bank confirmed the appraisal paid for using our Discover Card should indeed be valid, and no further costs should be incurred. After close to four weeks of contacting both the appraisal company and California posting agency (for such appraisals), they regretted to inform us we would have to pay for another appraisal! They confirmed the appraisal company "failed" to certify or post the appraisal (as is standard practice), and the appraisal could not be used. We paid another fee (more than $500) for another appraisal. The bank encouraged us to "formally dispute" the charge with Discover, and send the supporting documents. We did, yet nothing was ever refunded by Discover. We called again and again, and the representative would very eagerly ask us to fax the documents (again) to the same number. We did this more than eight times, and each time the response was the same computer-generated mundane response. Each time I attempted to ameliorate this matter through the disputes department, nothing would ever come of the effort. This remains terribly disappointing and disheartening. I would like Discover card services to actually read the documents sent in for this dispute, and contact the lender if necessary. We should have been credited, and the charge refused to the appraisal company under this circumstance. We did not get what we paid for, and were not able to use the service we paid for and expected. We have always appreciated and enjoyed our longstanding relationship with Discover Card, and can truly state this is the first negative experience we've encountered. This makes it's all the more frustrating and upsetting. Perhaps our case just got "lost" in the system somehow, and needs to be revived and reviewed again. I appreciate the opportunity to reach out to Discover card services, and look forward to speaking with someone in the near future. Thank you.