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:05/06/2025

  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.

  On March 17, 2025, I opened a traditional *** CD with Discover Bank, intending to fund it using a maturing CD from ******** on March 18. Despite submitting the required transfer form by March 21 and making dozens of follow-up calls, Discover failed to process the transfer over the next four weeks.Each time I called, I was assured by agents and supervisors that the transfer would be completed in 12 business days. At no point did anyone inform me of any issue. I later learned that a critical errora wrong external account numberwas made by Discover, but this was never disclosed during any of my interactions.This failure, coupled with repeated misleading reassurances, caused me significant stress and financial uncertainty. I ultimately requested the account be closed on April 10, 2025, as I no longer trusted Discover to manage my retirement funds.I am requesting:1.Confirmation that the account was closed with no penalty or tax consequence.2.Written acknowledgment of Discovers error and mishandling of my transfer.3.Assurance that no negative reporting will be made to the *** or credit bureaus.

  

  Business Response

  Date: 05/16/2025

  Please review attached documents as they address the customer's concerns. Thank you 

• Initial Complaint

  Date:05/06/2025

  Type:Customer Service 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 have tried to contact discover bank regarding a delinquent account ending in 9306. The reason this account is now delinquent is because I have become disabled and can no longer work. I have been able to work with credit cards and banks because I am trying to settle these debts instead of filing bankruptcy.

  

  Business Response

  Date: 05/21/2025

  Please see attached.

• Initial Complaint

  Date:05/05/2025

  Type:Customer Service 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.

  Today, I was informed that a process server tried to serve me documention on behalf of Discover Financial regarding a default account. I found this disheartening, as I have told the billion (zillion?) dollar company, that I was experiencing extenuating life circumstances (ongoing), I was unemployed, I did not have any savings, and if they wanted money, they needed to call *** ***** and ask, as he was handing out plenty. Myself, like most common people, are in a housing, financial, and economic crisis due to our country's leadership, and putting a few dollars worth of gas in my car, takes priority over figuring out how to pay my ***** debt to Discover. What I find most disgusting, and the farthest thing from an outstanding display of customer service or a glimpse of empathy, is that everyone is hurting, and everyone knows it - yet a conglomerate corporation who's bottom line isn't effected by my outstanding $3000, would still drag a longstanding, moderately responsible, loyal customer into court, just because they can. In a climate where there is no stability, and we're on the literal brink of war, this is how Discover is chosing to use it's time and resources. To go after the little guy who's federal resources were just cut, who can't afford milk, who's drowning in stress, and to further tie up the judicial system when there are real criminals, families, etc. that these resources should be being appropriated for. I never said I wouldn't pay my bill, ever. I said I would when I could. Taking a person like me into court, only makes my current situation that much worse, and puts me at an even farther disadvantage from reaching a financial resolution with Discover, that much quicker. Why can't you meet your customers where they're at? Offer flexible payment plans. Give us options. Do something to help real people, that's not a quick fix or a temporary bandaid. Be part of the solution, please. Your customer is not the enemy, and it's sad that this needs to be explained.

  

  Business Response

  Date: 05/15/2025

  Please see attached

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair 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 had a Discover Card account approximately six years ago and the last communication that I had with Discover Bank regarding the account was approximately three years ago. At that time the account was closed and I was making payments on the balance on the card which was around $1,680. At that time, my mother passed away, I went through a divorce and I have five children to raise which is how this account was neglected at that time. It was not intentional by me and Discover Bank did not communicate with me after this regarding the account. Today, April 29, 2025, I came home to find a packet of court papers laying on my front steps. It was not in an envelope, folder, or anything else but right out in the open where all of my information was visible to be seen by anyone. I immediately came into my home and contacted the attorneys that were listed on the paperwork and they advised to me that I had ************************** regards to this debt. They have on the papers that they are seeking a payment on this debt for the total of $2,419.92, $70 lawsuit cost and $64.66 for a service fee. The papers that was left on my steps had the date of February 18, 2025 on them and the attorney said I had 30 days to respond, how is the date in February on the paperwork and yet I am just now getting it and it is way past 30 days for me to respond. My issue with this is (1) why have I not heard from Discover Bank for the past three years; (2) How is it that the paperwork has the date of February *********************************************** April 2025; (3) why is the original amount that was remaining on the debt increased so much from $1680 to $2,419.92; (4) why am I being charged for the lawsuit cost and service cost fees; (5) why have I not been notified before now and given the opportunity to either make payments, pay the balance or settle for the debt. I have lived at the same address for the past three years and have never received any contact regarding this debt from anyone.

  

  Business Response

  Date: 05/08/2025

  Please see attached.

  Customer Answer

  Date: 05/09/2025

   
  Complaint: 23289859
  
  I am rejecting this response because: again did not attempt to contact me prior if they knew my address before pursuing court etc
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 05/12/2025

  Please see attached..

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair 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.

  Hello, I have been dealing with this issue multiple times now. I have called discover over 3 times now regarding the same issue. I have been making payments of the full amount even before the due date so that I dont have any issues with my credit score. However the payments kept returning, I called them to help fix the issue and they told me 3 times that the bank information is now correct and autopay is set up and everything should be good. However I received a message again today 05/05/25 saying that I have to make a payment asap. Even though I payed the full amount of $186.88 even before the due date. I now have a $30 fee for a return payment that they refuse to refund me on. I wouldnt mind paying that fee if it was my fault. But I did everything correct on my end and its not fair to me that I have called multiple times with the correct information and for them to reassure me that everythings okay on their end for this issue to keep happening and for it to potentially harm my credit score that Ive worked hard on to keep it good and I dont appreciate that no one in discover can help me out with this issue. I want to be at peace with my payments and not stress about any unnecessary fees or impact on my credit. No one wanted to refund me or reassure me that this issue will not happen again

  

  Business Response

  Date: 05/09/2025

  Please see attachment

• Initial Complaint

  Date:05/03/2025

  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 have been a very loyal customer for many years, since 2015!!!! and my limit was decreased. I only received a generic response as to why. I deserve better and I want my limit restored immediately. I will also be reporting this to the consumer financial protection bureau. I am disgusted by this behavior. I will be happy to pay this off and close the account and take the credit hit. I am beyond angry.

  

  Business Response

  Date: 05/20/2025

  Please see attachments

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23281642
  
  I am rejecting this response because:
  
  

  I do not care for the reasoning, you have always gotten payment from me. I have been a very loyal customer. You have effectively ruined my credit score by dropping my credit limit. I have been loyal an this is horrible to do to someone. I want my credit limit restored asap. Since discover has already messed up my credit, Ill be more than happy to pay off the card and close it. this is absurd on every front and discover should be ashamed of themselves. Restore line ASAP.
  

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

  

  Business Response

  Date: 05/23/2025

  Please see attached

• Initial Complaint

  Date:05/03/2025

  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.

  ****** ***** **************************************** Phone: ************ Email: ********************** May 5, 2025 Discover Bank Attn: Credit Dispute Department P.O. ********************************** Subject: Credit Report Dispute ****** ***** To Whom It May Concern,I am writing to formally dispute inaccurate information that appears on my credit report in association with an account held with **********************. My name is ****** *****, and I am the victim of identity theft.According to my recent credit report, there is an item listed under my name with the following details:Creditor Name: Discover Bank Account Number: ************ Nature of Dispute: Identity theft I did not open or authorize this account.I request that Discover Bank investigate this account and verify its legitimacy. If it cannot be verified, or if it is indeed fraudulent, I respectfully request that it be permanently removed from my credit report and that all relevant credit reporting agencies be notified of the correction.Attached are copies of supporting documents, including my ID and a copy of the credit report showing the disputed account. Please treat this matter with urgency, and provide written confirmation of the results of your investigation within 30 days, as required under the Fair Credit Reporting Act (FCRA).Thank you for your time and assistance.Sincerely,****** *****

  

  Business Response

  Date: 05/12/2025

  Please see attached.

• Initial Complaint

  Date:05/03/2025

  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.

  Dear Better Business Bureau,I am writing to formally address a concern with Discover Bank regarding the closure of my bank account and its subsequent impact on my financial standing. Discover Bank closed my account, citing Account Abuse due to an outstanding balance of $2.64. As a result, they reported this matter to ChexSystems, which has significantly hindered my ability to open new bank accounts with other ******************** institutions.I respectfully request assistance in resolving this issue. I am willing to promptly pay the outstanding balance of $2.64 to Discover Bank. In return, I kindly ask that Discover Bank remove the negative report from ChexSystems and any other credit or reporting bureaus to which this information was submitted. This resolution would restore my ability to access banking services without further complications.Thank you for your attention to this matter. I appreciate your assistance in facilitating a fair and timely resolution with Discover Bank.Sincerely,?Germn J PalominoDiscover account ending in 8155

  

  Business Response

  Date: 05/07/2025

  Please see attached

• Initial Complaint

  Date:05/02/2025

  Type:Service or Repair 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.

  Three separate associates told me incorrect account information regarding my payments I am being over charged at the moment for a closed account. Please have a manager reach out to me to rectify this issue

  

  Business Response

  Date: 05/19/2025

  Please see attached.

• Initial Complaint

  Date:05/01/2025

  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 did a preapproval for a personal loan (debt consolidation). I was preapproved with no issue for $40,000 so I continued on in the process which involved doing the hard credit check first, then entering in all of my credit card numbers, and the amounts that need to be paid off to them which took me about 20 minutes, and then finally at the end it told me to finish the application to the call the number and give them a reference number.I called this morning and was told that it was denied actually, based on cash flow, even though the preapproval AND the loan got approved prior. It being denied for cash flow is very unfair, because in terms of cash flow we are significantly cash flow positive. On a high level, I was told by your support you only look at money in + money out. Ours is probably very tight right now in that sense, but if you look at it from a granular level you would notice that the reason our money out is so high it's because we have NEVER missed a payment, and we make SIGNIFICANT payments towards our card. I do our billing every 2 weeks and have a spreadsheet tracking back to 2023 - this current 2 week period we spent about $3500 on credit card payments. If we were to get the debt consolidation loan, I would be able to reduce the cash flow out by $2000 or more because the loan would be around $1500, compared to making $3500-$4000 in payments to 9 different cards.I would like this loan to be re-evaluated based on that if possible, and if not I would like something to be done about the hard credit check. My wife and I have 4 Discover credit cards through 10 years, and have never missed a payment. I'm very upset about the fact that a hard credit check was done without looking into the bank account stuff first, and I'm even more so upset about the fact that there's no way of a manual review of my account which would clearly show you we have the cash flow to pay for a loan.

  

  Business Response

  Date: 05/06/2025

  Please see attached.

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23275583
  
  I am rejecting this response because:

  Your response provides no difference in what the phone representatives told me.

  This was clearly a bait and switch being performed. You pre-approved me, had me allocate funds to what cards they were going towards, had me do the hard credit check, and then told me to call. It wasn't until the next day that I found it was denied, even though it previously said pre-approved, did the credit check, and then had me allocate the funds.

  You also most certainly are not taking all facts into consideration. We pay $3000-4000/month on credit card payments. The debt consolidation would reduce this down to $1500-1600, thus freeing up almost $3000 in additional money in our accounts.

  We already have the means to pay all of our cards, so this loan would obviously even make that easier by 3 times

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

  

  Business Response

  Date: 05/08/2025

  Please see attached.