Do NOT use Discover Card

I haven't been posting in a while. I've been busy writing and working hard at my new software job, but I thought I would mention something that should of been obvious...

Do not use Discover Card.

A little background: I am slowly paying down a massive amount of debt from my first marriage. I've paid off over $20,000 in the last five years and I even transferred balances, borrow money from friends, and got a part-time job to pay down this debt. I'm one of those people who works hard and pays their own way.

Years ago I had six credit cards run up and I was paying everything I could towards paying them off. Being out of work last year put a nine month crimp in my payment plans - making only minimum payments until I found a job and getting ahead of the curve. I'm succeeding. My credit score is almost 800 and in three months I'll be debt free (just in time to replace my 15 year old truck and have that new payment and hopefully start saving for retirement.)

So last month, over three weeks ago I accidentally overpaid my Discover card by over a thousand dollars. The card balance was paid off but they have over a thousand dollars of my money that they absolutely refuse to give back to me.

They said they would send a check and that it takes 5 to 7 days. 7 days later, no check. I called them and they said they would send another check or send an electronic transfer of the funds. I gave them all the information to do the transfer and they said it would be there in three days. Three days later no funds. I call them again, they again lie to me and say, "In three days." Three more days later, still no check. I called the executive office today and their response was... wait for it... "three days." I tell them this is completely unacceptable. The woman promises to send me a check for $50. I don't want a check for $50. I want my thousand dollars. I call back to executive resolutions and they refuse to let me talk to a supervisor or the COO or the CEO. Of course they won't let me do that, they will get fired for what I would say to the CEO.

Yes, I made a mistake. I accidentally overpaid them but for them to keep the money is just plain evil. I firmly believe that they are intentionally refusing to give me my credit balance back because they want to keep the money.

Do NOT use Discover card.

Update: After a couple months I realized that they send me junk mail no less than once or twice a week. They refused to send me my money back. I had to fight and deal with their stress. They jerked me around for three weeks, but when it comes to worthless junk-mail they make sure it arrives like clockwork. Unbelievable.

Ebook Housekeeping Kindle, Nook, Sony, etc

To keep this straight in my own mind... My books are on Kindle and Nook:
www.tinyurl.com/TheKillersCoop and www.tinyurl.com/KillersCoopNook
www.tinyurl.com/JulieRNook and www.tinyurl.com/JulieRayzor
plus all book formats are supported on Smashwords:
https://www.smashwords.com/books/search?query=the+Killer%27s+Co-op
and
https://www.smashwords.com/books/search?query=Julie+Rayzor

Julie Rayzor Zombies on Barnes and Nobel Nook

My Julie Rayzor zombie novel is now available on Nook for 99 cents! This full length zombie book is less than a buck!

http://tinyurl.com/JulieRNook

Midwest Book Review featured the Julie Rayzor zombie novel!

I'm thrilled!  On top of the great Amazon review yesterday, The Midwest Book Review just sent me a letter state that The october 2012 edition of their magazine Children's Bookwatch features "Julie Rayzor" zombie novel.

The review states: "When times are tough, everyone must fight in their own way. 'Julie Rayzor: Romance, Adventure, Zombies' is a thriller of a dangerous future world where Julie Rayzor, a seventeen year old trying to survive in thise conflict, embarks on a rescue mission that falls apart and leaves her in more danger than ever. A riveting tale of adventure with plenty of coming of age elements, 'Julie Rayzor' is a fine pick for teenaged readers and above, recommended."

Thank you to James A. Cox Editor in chief and Diane C. Donovan, Editor and the rest of The Midwest Book Review for this amazing feature! http://www.midwestbookreview.com/cbw/oct_12.htm

New five star review for Julie Rayzor zombie adventure.

A new spin on the zombie tale, October 11, 2012

By 

Heather Badgwell (Florida, USA) - See all my reviews

This review is from: Julie Rayzor ~ Romance, Adventure, Zombies (Julie Rayzor Zombie Novel) (Kindle Edition)

I received this book from the author...

To be honest, this book took me by surprise. It takes place in the Tulsa area (and surrounding areas). Its a whole new take on Zombies. Julie was a Scab, but managed to survive on her own, with only her best friend, Jill, by her side. They made it to a military set up known as "Fort Tulsa" and were tested and taken care of. Little did she know, that the Zombs were doing things no one ever thought possible. They were almost...civilized! But how? Then, when the worst possible thing that could happen, actually happens, Julie has to test her own will and inner strength, and the man she loves, to get through it all. Absolutely LOVED this book!

From amazon www.tinyurl.com/JulieRayzor

Tulsa State Fair and Darkon Horror convention

We had a great time at the Tulsa State Fair. I sold about 60 books and it was pretty slow during a lot of the time. Our booth was in a back corner where few people visited. We will be at the Darkon Horror/SCI movie and book convention at the Tulsa Airport Radisson Hotel Nov 3rd and 4th 2012. If you missed us at the fair and would like an autographed vampire/zombie/paranormal book please come by and visit!

Author Bio

Richard Howes, the author of Julie Rayzor (tinyurl.com/JulieRayzor) and The Killer's Co-op (tinyurl.com/TheKillersCoop) is a 30 year computer programmer, 20 year electronic engineer, a wild horse trainer, artist, father, husband and writer...

 

He was born into the family of a Cape Cod Yankee dad and an Irish mom. Went to college in Boston and spent 14 years exploring the Nevada mountains and desert from horseback, he won a world championship buckle in the sport of Cowboy Mounted Shooting plus he programmed slot machines and worked as an engineering manager saving companies over $20 million dollars in sales during a three year stint of international travel fixing engineering problems in the field. He turned to writing as another one of his many hobbies and he hopes to retire some day in front of a keyboard writing books.