Complaints

This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Discover Financial Services

  2500 Lake Cook Rd Riverwoods, IL 60015

  
• 

  Discover Card

  P.O. Box 15874 Wilmington, DE 19886

• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15156 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15158 Wilmington, DE 19886

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 22, 2025, I was coerced over the phone by scammers impersonating ICE and the ******************************. They threatened to arrest me unless I followed instructions immediately. The phone numbers used matched official numbers, so I believed them.They forced me to purchase $1,250 worth of ******* gift cards and demanded the card numbers and PINs over the phone. I was terrified and complied under duress. I reported the incident to the police, the *** (Report No. *********), and contacted Discover and Sephora right away.Despite submitting all evidence, including a police report and partial transcripts of the recorded call, Discover closed my dispute without fully reviewing the coercion and circumstances.This was not a voluntary transaction. It was made under direct threats and time pressure. I am requesting BBBs assistance to ensure Discover reviews this fairly and acknowledges this as a fraud-related transaction.

  

  Business Response

  Date: 05/23/2025

  See our response attached.

• Initial Complaint

  Date:05/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  discover bank sent me a 1099c cancellation of debt in the amount of ******* and interest of ******* which i reported to irs as income i would like to have this account remove from my credit report

  

  Business Response

  Date: 05/29/2025

  Please see attachment.

  Customer Answer

  Date: 05/30/2025

   
  Complaint: 23344719
  
  I am rejecting this response because: i understand you will not remove the account. but once a ***** is issued the creditor is required to report the account as zero balance..
  
  Sincerely,
  
  **** ****** **

  

  Business Response

  Date: 06/04/2025

  Please see attached.

• Initial Complaint

  Date:05/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made an online purchase on 5/8/2025. My bank was debited the amount on the same date with a cleared date on 5/11/25. Discover placed an authorization on the 11th for the amount of the transaction already cleared. I have called discover 5 times since last Sunday and each time the hold was to expire automatically. Tuesday when I called I was told 5/16 my money would be released. Here it is 5/17 and my money is still being held by Discover. I called them today and now being told IT SHOULD FALL OFF THE NEXT BUSINESS DAY. Which is now looking like 5/19. Everyone Ive spoken with has fed me lies and ******** and I want my **** money! So when I confirmed the information given the next business day. The lady back peddled some more and said it possibly could we have no way of knowing when. But yall had given me the date the transaction was to expire which was the 16th! Im so regretting ever signing up for this bank card and Im most definitely discharging my business from them!

  

  Business Response

  Date: 05/27/2025

  Please see attached.

• Initial Complaint

  Date:05/16/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So the whole issue started when I didn't receive a code to login to my mobile app for Discover Bank. Long story short after wasting plenty of time and being transfered countless times, I decided to close my accounts and just get a wire transfer to my bank account that has a physical location near me. Then the wire transfer failed, they didn't code it correctly or something because my bank never got it. I then had to call Discover back myself instead of them reaching out (shady behavior already) and after confirming they got the money I had them send it out in check form. I was told it should only take 3-4 business days. Well I called back again after 5 business days and they haven't even sent it yet. I was told to wait another 24 hours for it to be sent. And then another 3-4 days for delivery. So now I'm sitting here unable to pay my bills or even get groceries, because instead of coding their wire transfers correctly, or even being able to give me accurate information for when my money is here they would rather remain incompetent. This is exhausting and should honestly be illegal. How are you going to have your employees tell lies and untrue information to a already disgruntled customer and to top it off the 2 supervisors/managers i talked to during this whole process couldn't so anything. They couldn't make exceptions to get me my money faster, they couldn't tell me anything helpful they just transfered me to other departments.

• Initial Complaint

  Date:05/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter.DISCOVERBANK ACCOUNT no.: ************ DATE OPEN: 08/13/2017 BALANCE: $2,053.00

  

  Business Response

  Date: 05/30/2025

  Please see attached.

• Initial Complaint

  Date:05/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My complaint is to document and challenge Discover Financial Services ongoing efforts to evade my lawful revocation of consent regarding the use and sharing of my personal and financial data.On May 5, 2025, I submitted a formal revocation of all prior consentcontractual or impliedfor Discover to report, share, process, or maintain my data with any third parties, including consumer reporting agencies. My notice was delivered via the Consumer Financial ***************** (****) and served as regulatory proof of notice. This complaint is now necessary due to Discovers evasive and dismissive response.Rather than addressing my legal revocation under applicable federal and state laws, Discover responded with a generalized explanation of their internal account history, citing language from a 2015 cardmember agreement, despite the fact that: The account has long been charged off and has resulted in a court judgment. A consumers privacy rights under the *****-*****-****** Act (GLBA), Fair Credit Reporting Act (FCRA), and California Consumer Privacy Act (CCPA/CPRA) are not waived indefinitely based on outdated agreements. The laws I invoked clearly allow me to withdraw any prior consent to data processing or dissemination.Discover ignored the core substance of my request: They did not acknowledge my right to opt out of data sharing, They failed to provide any justification for continuing to report my data post-revocation, They redirected me to the credit bureaus instead of accepting responsibility for their own data furnishing behavior.Discover continues to report and share my private information without a permissible purpose as required by **** 1681b, violating both federal privacy laws and my California statutory rights.BBB Authorization Clause:I hereby authorize the Better Business Bureau (BBB) and its representatives to engage directly with Discover Financial Services on my behalf to facilitate resolution of this complaint.

  Customer Answer

  Date: 05/20/2025

  Hello,

  Thanks for reaching out. I want to confirm that I personally filed the complaint against Discover Financial Services and did not authorize any third party to do it for me. The situation I described is based on my real, personal experience with Discover.
  You mentioned that some of the wording in my complaint looks similar to others. That makes sense, since a lot of people (like me) are using the same lawslike the **** and CCPAto stand up for our rights. But I wrote and submitted my complaint myself. Any overlap is just because we're referencing the same legal rights, not because someone else wrote it for me.
  To clarify a few things:
  The account Im referring to is Discover card ending in 3736.
  I'm not disputing the balance, but I did revoke my consent for Discover to keep reporting or sharing my information. They ignored that and kept going, which is the real issue here.
  This complaint is 100% mine and Id appreciate it staying open so Discover can address it properly.
  Thanks again,
  ******* Emanuel ***********

  

  Business Response

  Date: 05/23/2025

  Please see attached.

  Customer Answer

  Date: 05/24/2025

   
  Complaint: 23334955
  
  Dear BBB,
  
  Thank you for the opportunity to respond. I am writing to clarify why I filed a separate complaint with the BBB after already submitting one to the **** regarding Discovers continued use and reporting of my personal data after my formal revocation of consent.
  
  I submitted a detailed revocation notice through the ****, supported by applicable consumer privacy laws (****, ****, CCPA), and Discover responded on May 12th with a generic form letter. They failed to address my actual legal position, which was not a dispute about a debt balance, but a formal demand to cease sharing or reporting my data due to revoked authorization.
  
  Because Discover completely sidestepped the substance of my request in their **** responseand simply re-sent that same language to the BBBI felt compelled to escalate the issue to your office. I believe companies should not be allowed to ignore a consumers rights and then treat multiple regulatory complaints as duplicates just because the company **** engage with the issue.
  
  My goal is simple:
  I want Discover to honor my revocation of consent and stop reporting or using my data without a valid legal basis. If they believe they have legal grounds to continue reporting despite my revocation, they should clearly state what that isnot just cite old cardmember agreements while ignoring updated privacy laws.
  
  Thank you for your attention to this matter and for giving me a platform to follow up when federal routes yield no meaningful engagement.
  
  Sincerely,
  ******* Emanuel *******

  

  Business Response

  Date: 05/29/2025

  Please see attached.

  Customer Answer

  Date: 06/01/2025

   
  Complaint: 23334955
  
  Thank you for the opportunity to respond to Discovers May 29, 2025 letter.
  To clarify: this is not a dispute about the accuracy of the reported information. This complaint concerns Discovers continued furnishing of my consumer data after I lawfully revoked my authorization, which is a privacy and permissible purpose issuenot a factual one.
  In 2025, I submitted a formal revocation of consent in accordance with:
  *****-*****-****** Act (GLBA) 6802, which grants me the right to withdraw permission to share my nonpublic personal information;
  FCRA 1681b, which requires a current permissible purpose to furnish data to a consumer reporting agency;
  California Consumer Privacy Act (CCPA/CPRA), which grants me rights to limit the use and sharing of personal information and request its deletion.
  Discovers reply incorrectly assumes that consent granted at the time of account opening is irrevocable, even post-judgment and after charge-off. This is not supported by law. No citation was provided showing that Discover is exempt from honoring my written revocation.
  Additionally, continuing to furnish data after a consumer opts out, especially when no ongoing servicing relationship exists, may constitute willful noncompliance under FCRA 1681n. This is especially concerning given that Discover has acknowledged judgment on the account and has no further need to report.
  I respectfully request that Discover:
  Cease all credit bureau reporting on this account;
  Provide written confirmation of suppression or deletion;
  Clarify any legal authority they rely on to override my revocation.
  This complaint is not frivolous or duplicative. It addresses Discovers obligations under privacy and consumer protection lawnot billing or payment history.
  Thank you.

• Initial Complaint

  Date:05/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Someone used my credit card to book hilton hotel in *********. I am currently in the *********** with card in my wallet.I disputed the charge and it was removed. However it was reapplied later.Called to say this is not my charge and they told me a ****** ***** (sp) used my card number. So they reported it as fraud.Few days later charges reapplied. Tried to contact ************************* No response. System just hangs up. Tried customer service and it just redirects me to fraud.I did not complete this charge. At the hotel they would have been required to show credit card. Not possible since it is 8000 miles away in my pocket

  

  Business Response

  Date: 05/16/2025

  Please see attached.

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Discover credit card services is ripping off customers. I cannot get into the account to get my full account number to provide any information regarding my account.About 2 years ago, I ran into hard times with my credit cards. Went into a program with discover. I paid the card off in full before the program expired over a year early. I paid this card off in June 2024. I have contacted discover numerous occasions about getting my account reinstated to report correctly. Each time I call they state that it goes through a monthly review to see if it will be reinstated. This is horrible business that discover has NOT been reporting my correct credit history to the credit bureaus. **************** at ********************** is horrendous. I told Discover to close the card at this point and they had the nerve to advise me I will not be able to use the card or the benefits, I cannot use them now. This needs to be corrected immediately.

  

  Business Response

  Date: 05/30/2025

  Please see attachments

• Initial Complaint

  Date:05/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I currently hold a discover credit card. Discover decided to take it into their own hands to pull my credit and decrease my amount of credit. They decreased my amount going off my credit that had old incorrect items on my report. They reported the hit of looking at my credit and then reporting they reduced my credit causing my credit score to drop 17 points. I want my credit report fixed and my credit given back to me. Their online system also likes to take your payment, but not applying your payment.

  Customer Answer

  Date: 05/16/2025

  I submitted a complaint on my behalf. 

  

  Business Response

  Date: 06/04/2025

  Please see attached

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23327776
  
  I am rejecting this response because: Nothing has been resolved.  No pictures and still expects me to pay her fee before giving me my picture.

   

  
  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 06/09/2025

  Please see attached

  Customer Answer

  Date: 06/09/2025

   
  Complaint: 23327776
  
  I am rejecting this response because:

  you need no documentation, you guys ran my credit and decreased my credit line without my knowledge.  I told your staff member on Friday credit reports dont lie.  I want to know gave you authority to pull a credit response without my approval.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:05/13/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  WHAT IS SO HARD ABOUT NO MORE JUNK MAIL OFFERS SENT TO ME?NO MORE MAIL!

  

  Business Response

  Date: 05/14/2025

  Please see attached.