Complaints
This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 3,180 total complaints in the last 3 years.
- 977 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:05/13/2025
Type: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 name is ********** ******-*******. After attempting to get someone on the phone at, "DISCOVER" I have been left with no other option than to file a "BBB" COMPLAINT AGAINST "DISCOVER". I have reason to believe that someone has received a "DISCOVER" CREDIT CARD IN MY NAME. I want "DISCOVER" to discover if in fact this has happened and provide the documents, card number, all transactions and to where the card was mailed. If in fact payments have been made, I am requesting all of the money to be refunded to me.
Business Response
Date: 05/29/2025
Please see attachedCustomer Answer
Date: 05/29/2025
Complaint: 23326164
I am rejecting this response because: DISCOVER CARD/FINANCIAL, PLEASE FORWARD ME YOUR SUPPORTING DOCUMENTS, WHERE DISCOVER CARD/FINANCIAL, AUTHORIZED SAID LAWSUIT, WITH LAWSUIT NUMBER, FULL CARD NUMBER, COPY OF APPLICATION TO INCLUDE NAME, ADDRESS, SOCIAL SECURITY NUMBER AND APPROVAL LETTER. Thank you!!! Thursday, May 29th, 2025.
Sincerely,
********** ******-*******Business Response
Date: 06/02/2025
Please see attachment.Customer Answer
Date: 06/03/2025
Complaint: 23326164
I am rejecting this response because: FORWARDING MY CONCERNS TO: THE WHITE HOUSE, PRESIDENT ****** J. *****, DOGE, **** ****, **** **** *****, FOR FUTHER INVESTIGATIONS INTO, FRAUD, WASTE AND ABUSE, AND ELDER FRAUD. Thank You!!! Tuesday, June 3rd, 2025. ********** ******-*******
Sincerely,
********** ******-*******Initial Complaint
Date:05/13/2025
Type: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 have tried several times to get a credit for charges that I did not approve or do. I have spoken to several people from the billing department to the fraud department. I had a card that was hacked and was told that account was closed. I received a new card and charges was put on the old account and moved to the new card. How can that happen when I explained the first card ending in 9165 was closed for fraud and they moved amount that came in on old card *************************************** 7074.. I have asked several times how that can happen. Why would I close an account and ask for a new card if I wanted charges on that account and fraud was done on the original card. Now they are telling me I have to pay the amount of $800.00 on charges that I did not do. I have letters that was faxed to them asking for an explanation and call. Still to date nothing.Business Response
Date: 06/05/2025
Please see attached.Customer Answer
Date: 06/06/2025
Complaint: 23326023
I am rejecting this response because:How can a company take an old card and process it to the new account when you where instructed that there was issues. You should not have ever transferred any charges to a new account when you was notified there was an issue. I did give my son permission to use my card once. I have spoken to my son several times and he states that he has never used my card again. I am a very honest person and I will pay what I owe. You can see my account I have never been late nor have I ever not paid my bill in full. I am very disappointed in Discover as I believed this was a good company and had standards. I still have not been told how or what these company's are. Was something sent to an address? if so what address if not and done by computer what was the ** address? Please review this issue again. I work very hard to have great credit and do not want this to effect my credit. I am sure that with some intense investigation you will come to different outcome.
Sincerely,
**** ****Business Response
Date: 06/09/2025
Please see attached.Customer Answer
Date: 06/09/2025
Complaint: 23326023
I am rejecting this response because: I have some additional questions. You are saying my balance to pay off this account is $320.48 total correct? I do have some questions regarding some charges that you put in your last letter.****** *DOORDASH TACOBE ************ CA, $29.41. This my son did charge. I am willing to pay this.
? ****** *ARESXIV ************ **, $ 103.20.
? ****** *TWITCHINTER ************ **, $54.24.
? ****** *TWITCHINTER ************ **, $6.51.
? ****** *TWITCHINTER ************ **, $27.12.
? ****** *WASTELANDER ************ CA $100.00.What is the dates that these charges where done? I am asking because I have no recognition of these charges you put in your letter. The charges I was disputing are below.
Dispute # 369653559W $50.00
Dispute # 017590251P $100.00
Dispute # 003856828J $200.00
Dispute # 076582182M $10.81
Dispute # 320134811T $100.00
Dispute # 875350491R $9.73Are You trying to charge me for new charges? The new card has been frozen for quite awhile. How can you let charges be put on the card? I need a better explanation then what you gave. How can you be letting any charges on my new account with the it being frozen? I need to see exactly what your policy is regarding this. My last conversation with ***** on 5-29-2025 assured me no new charges had come in and that he would expedite my case. what happened? Can you provide me with a total in charge if this account is to be paid. You show $320.48 but My total of charges I was disputing total is $470.54... What do I owe to pay this account off and close my account with **********************! All I need from you is a better explanation, if you can not answer this please forward to someone who can. I do not want this on my credit report and I will make my minimum payment Of $35.00 that is due on June 24th till this is solved.
Sincerely,
**** ****Initial Complaint
Date:05/13/2025
Type: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 am filing this complaint regarding a $280 fraudulent transaction made through my Cash App account to CASH APP ******. I did not authorize or make this charge. I first reported the issue to Cash App, but each time I contacted Discover support, I was repeatedly told to wait with no clear timeline or resolution. Despite following their process and providing all requested information, the issue was never properly addressed.Due to the lack of assistance from Cash App, I filed a dispute with Discover. Unfortunately, I received a denial stating that non-receipt of goods is not protected under regulation and that I provided inconvenient or insufficient information. This is absolutely falseI clearly stated this was an unauthorized charge and submitted all necessary documentation.I am extremely frustrated with the lack of support and accountability from both Cash App and Discover. I have been forced to chase a resolution on my own while a fraudulent charge remains unresolved. I expect better fraud protection and customer service, especially when reporting unauthorized activity.Business Response
Date: 05/20/2025
Please see attachedInitial Complaint
Date:05/13/2025
Type: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 was trying to purchase a jacket online. When I checkout my page was routed to a different page saying FAILED. I realized immediatly something was off with this website so I didn't try to process it again. Then I see a charge for the exact same amount on my account from someone named ******************** as per discover it's a plumbing company but as per ****** its some kind school in ***** and I'm located in ** ( I HAVE NO IDEA IF ITS AFFILIATED WITH MY WANTING TO PURCHASE AND DISCOVER WAS NOT HELPFUL INVESTIGATING). When trying to call the number it went straight to voice-mail with no answer. I called discover to dispute this charge and mentioned I'm not sure it's affiliated with my wanted purchase item or not but regardless it's fraud or else they can try to verify it. I recently changed to discover I was pleasantly surprised they closed my dispute as valid (without really doing any research) saying I don't have sufficient proof, what proof can I have on a fraudulent transaction. I tried contacting ****** they said they can't help since I already tried to dispute with discover. Unfortunately discover was totally not helpful and did even look into this just closed the dispute. I will not let a scammer get away stealing my hard earned money and expect discover to actually investigate and help there customers feel there banking safely.Business Response
Date: 05/19/2025
Please see attachments.Customer Answer
Date: 05/20/2025
Complaint: 23321738
I am rejecting this response because: I immediately mentioned to the representative that I am not sure it's affiliated with the pur***** I intended to make since the name isn't even close to the same. And on my credit card there listed as a plumbing company and on ****** as an academy. Discover didn't even attempt to investigate the matter (I previously banked with ***** and they investigated such disputes). And once I opened a dispute with discover papal would also not investigate it anymore which makes be loose my money.
Sincerely,
***** *****Business Response
Date: 05/20/2025
Please see attached.Customer Answer
Date: 05/28/2025
Complaint: 23321738
I am rejecting this response because:
It's mind boggling that discover wouldn't even try to help prevent scammers from scamming there customers and they just let them get away.
Sincerely,
***** *****Initial Complaint
Date:05/11/2025
Type: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 have $5,500 or thereabout of credit card with discover financial services for 7 years. My credit card expired for over 1 year or even 2 years. I was expecting to get a card mailed to me ,but they did not. I was paying the credit owned regardless that the card expired. I paid out around May 2024. Still did not get a new card . I called for a new card on 5/11/2025 spoke with ******** around 7:05pm Eastern time [ as she said note act for the call line is 788]. She then told me that my credit card was closed. No notice was given to me not in post mail or electronic mail. She said that a card was sent but that is not true. And also a notice that was not true either. Courtesy demands that you send email notice to someone you have business with for over 7 years. If you sent a card how was it not activated and used. They are lying. I need Discover to open up my credit card account and send me a new card so my 7 years credit history won't be lost.Business Response
Date: 05/22/2025
Please see attachments.Initial Complaint
Date:05/11/2025
Type: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.
Discover closed my credit card without prior notice, which will affect my credit report as it's a long standing card. I have never had any issues with Discover and been an excellent customer. If this closure affects my credit report, I'll be reporting Discover to the ****Business Response
Date: 05/28/2025
Please see attached.Customer Answer
Date: 05/28/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
********* *******Initial Complaint
Date:05/11/2025
Type: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.
There were a number of disputes that I filed with Discover for purchases made roughly 4-5 months ago. The disputes were opened and Discover concluded the purchases were valid. I called them to discuss the decision and find out why they did not rule in my favor. For each of their excuse as to why I was liable, I pointed them to a document that I provided, which proved each excuse wrong. After the ***resentative was out of excuses, they put me on a brief hold to talk to another ***resentative. Once the original ***resentative was back, they informed me that due to a Discover policy, they are not able to dispute "In app purchases" and thus said my disputes shouldn't have been opened in the first place. The *** did recognize the fraud and abuse that occurred in my loss. The disputes were not in app purchases and they were not transparent at all about why it was classified as such. I explained how it was not an in app purchase but they refused to listen. I asked for written documentation as to why they came to that conclusion and the *** said they would send me something to explain, but I have yet to receive anything.I was shocked to hear that such policy that was so ripe for abuse existed. I offered the hypothetical to the *** that someone could create an app, offer in app purchases, allow Discover credit card users only to make in app purchases, never give them anything in return, and Discover would refuse to do anything to protect their customers despite this clear fraud and grift. The *** confirmed that this was true and Discover would not do anything because of this policy.There are laws including the ****, which require companies like Discover to protect their customers from fraud and abuse. This policy is in clear violation of such ************** a resolution, this policy needs to change because people will find out about this loophole and will abuse it. Further, with this policy change, my disputes need to be re-reviewed.Business Response
Date: 06/05/2025
Please see attachedCustomer Answer
Date: 06/10/2025
Complaint: 23315243
I am rejecting this response for multiple reasons:
1. Discover fails to hold the merchant to the same standard as the consumer. The consumer is held to the terms of service even if though merchant breaks their own terms of service.
2. It is recommended to me to work with the merchant to reconcile and try to recover funds. The merchant is not working with anyone and not returning calls/emails. This has been expressed, but not listened to.
3. Clear fraud and grift was outlined clearly; however, Discover does not care about protecting against such actions. The representative that I talked to about the case did seem to be sympathetic to the situation and understood how I was ripped off, but that did not seem to matter in the outcome of my case.Other credit card companies have resolved the same complaint in my favor because they recognize the damage DDD has caused. I would not recommend Discover to anyone else knowing that other companies care more about protecting the customers ******************** wellbeing.
As for the previous mention of "in app purchases", I was told that this was incorrect and that the policy did not exist. I do not know why the representative had told me that this was the reason why my dispute was denied.
Sincerely,
****** ********Business Response
Date: 06/12/2025
Please see attachedCustomer Answer
Date: 06/17/2025
Complaint: 23315243
I am rejecting this response because:I sent additional documentation regarding that complaint but it seems like it was not received. I will accept once I know that the additional documentation was received and reviewed. My previous rejection still holds.
Sincerely,
****** ********Initial Complaint
Date:05/10/2025
Type: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 have an issue I need to escalate pertaining to my discover debit card dispute I filed with discover, which concerns some unauthorized transactions that were posted to my account that I didn't consent to/nor authorize. The transactions consisted of erratic spending at various merchants like *******, ralphs, and a few ATM withdrawals, totaling an amount of: $1,198.00 Shortly after discovering the transactions, I promptly reported the transactions to discover to rectify the issue. I was told that they would investigate, and that I would receive temporary credit within 10 business days. I had also verbalized to discover that I had lost my wallet and had my pin written down inside. After some time, discover credited back SOME of the transactions, but not ALL the transactions. I then called discover to inquire about the situation and why the entire dispute wasn't paid, to which they told me that they weren't going to credit back all the transactions and that "no error occurred."My rebuttal to that is why would they promise me back credit back to my account on the initial call if they didn't plan on doing so, and furthermore, why would they credit back SOME of the transactions, but not all of them? If those transactions were credited back, then they were unauthorized right? And if those were unauthorized, why weren't all of them unauthorized? The whole thing just doesn't make any sense, but all I know is that my money is tied up with discover right now, and i worked too hard for it for it to be taken under some mysterious circumstance and not be reimbursed for. That's something I can't accept. I hope someone reads this and escalates it so that the situation can be resolved properly. ThanksBusiness Response
Date: 05/20/2025
Please see attached response.Initial Complaint
Date:05/10/2025
Type: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 heavily promotes its security features, including identity protection scans and alerts, as a free benefit of card membership. Based on this advertising, I activated the service in December, assuming it was the free version. My confirmation email contained no mention of a subscription fee, and I never received a receipt, statement, or notification indicating that I would be charged (please see attachment). Even in monthly report emails, the service continued to be advertised as upgradeable, reinforcing my belief that I was using the free version (please see attachment).However, upon reviewing my account, I ************************ I have been charged $16.53 per month since Januaryfive payments in totaldespite never knowingly enrolling in a paid version of the service. As I am on auto-pay and review my bills every six months, I only recently noticed these unauthorized charges.Upon contacting Discover, I was informed that:- There is both a free and a paid version of the service, and I had been enrolled in the paid version.- They can only reimburse my last payment, even though I was never aware of the paid service, never used it, and received no indication that I was enrolled in it.This lack of clear disclosure and unwillingness to issue a full refund is deceptive and unfair. I am seeking resolution for these unauthorized charges and an assurance that Discover will operate transparently in its future communications regarding paid services.Business Response
Date: 05/21/2025
Please see attachmentsInitial Complaint
Date:05/10/2025
Type: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 has closed 2 joint accounts with my wife due to a business decision and won't explain what that means. They are holding our funds and we just bought a house and we need this money. They are also treating us like criminal when we callBusiness Response
Date: 05/14/2025
Please see attached.
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