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:05/01/2025
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 been charged interest on my Discover Card purchases every month since July 2024, totaling over $340, despite always making the minimum payment on time as instructed by Discovers app and email reminders.These reminders never explained that interest would continue to accrue unless I paid the full balance. I believed I was managing my account responsibly by following Discovers notifications. I only became aware of the accumulating interest in April 2025 when I reviewed my past statements.I contacted Discover to request a one-time courtesy waiver of all interest charges, citing lack of awareness and misleading payment guidance. They acknowledged the situation partially and waived three months of interestbut refused to waive the rest, even though the misunderstanding was consistent across all months.I find this response unreasonable and inconsistent. If they admit to partial responsibility by waiving some charges, they should reasonably waive all charges stemming from the same root issue. I am asking for BBBs assistance to resolve this matter fairly.
Business Response
Date: 05/15/2025
Please see attachments.Customer Answer
Date: 05/22/2025
Complaint: ********
Dear BBB Case Representative,
I am writing to provide additional feedback regarding Discovers response to my complaint (Case #: ********). While I appreciate their acknowledgment of my concerns, I find the response unsatisfactory for the following reasons:
Consistent Minimum Payment Prompts: Throughout my use of the Discover card, the company persistently promoted and encouraged only the minimum payment amount through emails, app notifications, and monthly billing statements. As a result, I was misled into believing that making the minimum payment was sufficient to avoid additional charges. I now understand that interest was accruing in the background, but this was never clearly explained or emphasized by Discover.
Lack of Transparent Interest Disclosure: Discover regularly sends me email alerts about cashback offers, spending over $50, and payment remindersbut I never once received a specific notice alerting me to the accumulating interest charges. The interest information was buried deep in billing details and difficult to notice without actively digging into each monthly statement.
Credit Score Impact: Because I was unaware of the ongoing interest accumulation, my balance did not decrease as expected, which in turn affected my credit score negatively. This is extremely concerning for me, especially as I am a J-1 visiting scholar from abroad and have limited understanding of U.S. credit systems.
Language and System Barriers: As a non-native English speaker unfamiliar with U.S. financial practices, I was particularly vulnerable to such misleading practices. I believe Discover has a responsibility to ensure clarity, especially for international customers like myself who are new to the country.
Although Discover offered a one-time adjustment, I believe this does not fully address the systemic lack of transparency in how interest and payments are communicated to customers. I am requesting that ******************** continue to review this issue and hold Discover accountable for more ethical and accessible communication practices.
Thank you very much for your continued support in addressing this matter.Sincerely,
**** ****Business Response
Date: 05/28/2025
Please see attachment.Initial Complaint
Date:05/01/2025
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 attached the dates of transactions and the amounts of wire transfers made that the Discover bank didnt detect is was a fraud(scam) the $123, 595 was disputed and return but they send it out again to the scammers.! I made a police report Police report number 2025-90000729 and a ic3 report and I spoke to the *** in ************** and they are continuing with the investigation. Thank youBusiness Response
Date: 05/23/2025
Please see AttachedInitial Complaint
Date:05/01/2025
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.
I registered that I do not want to receive credit card offers in the mail anymore, yet Discover Card keeps sending me offers in the mail. I tried calling them but can never get through to a rep.Business Response
Date: 05/02/2025
Please see attached.Customer Answer
Date: 05/03/2025
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:04/30/2025
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 filed a dispute with Discover on 02/26/25 for $799.20. Dispute #*********H Discover came back on 03/25/25 denying the dispute and provided some documents the merchant sent, additionally there is a document/page if i want to counter and reopen the dispute, i filed this letter and provided additional documentations which Discover decided to ignore, i then requested an official letter from Discover of what they used, reasons for the denial of the second set of documents and explanation, i have asked liked 15 times and no one is ever able to give a response of this supposed letter, i did received a simple email saying that dispute was denied and if i have additional documents to send them with but again zero PROOF documents of the second denial, i sent a third time new documents and explanation, i have inquired multiple times with discover was the response to that and NO agent is ever able to respond to this, they always go back to the first denial.Discover is a really disorganized company that follows no protocols and agents are always looking to just give the most basic answer to move on and if you keep inquiring they will not answer anymore, I need Discover to review the documents provided and the dispute needs to be ruled in my favor.The violations of Federal Laws, of the Fair credit billing act is astonishing. i need this to be resolved.Attached is the last document/letter provided to Discover for your review..Business Response
Date: 05/08/2025
Please see attachments.Customer Answer
Date: 05/09/2025
Complaint: 23270241
I am rejecting this response because:Please find attached the formal response to discover allegations, i am expecting a prompt and quickly resolution to this matter
Sincerely,
****** ******Business Response
Date: 05/12/2025
Please see attached.Customer Answer
Date: 05/12/2025
Complaint: 23270241
I am rejecting this response because:Discovery executive office, i am providing additional information regarding this claim, i am waiting for a detailed explanation to each of the points made on this letter RE: May 12, attached to this response, waiting for a resolution to this.
Sincerely,
****** ******Initial Complaint
Date:04/30/2025
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 told that I would receive a debit card for my new checking account by April *********, but it appeared to be lost in the mail. I contacted them about this, and they said the would send me a replacement card with expedited shipping. When I received that card yesterday, 4/29/25, I opened the mail to find that it was someone elses card. Not the correct card number and not the correct name. I cant even get gas because of this. They are preventing me from paying my bills. I want compensation.Business Response
Date: 05/09/2025
Please see attached.Initial Complaint
Date:04/30/2025
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 charged by a fraudulent company who took my money even though I had canceled the order. Also the company ( Cartpanda) will not respond to my more than 20 emails and will not tell me how to return the product which I did not order (CARTPANDA NUTRIFORCEC32 **********) I have been dealing with Discover since 1/25 They found for the merchant. I canceled the order before processing at the checkout, but they grabbed my money.Business Response
Date: 05/02/2025
Please see attached.Customer Answer
Date: 05/02/2025
Complaint: 23267887
I am rejecting this response because: I have already gone through this process and Discover found for the merchant. That is why I am filing this BBB complaint. I have spoken to numerous customer service **** at **********************, including supervisors, and none could help me further. The answer was that Discover would not refund the money. I have numerous emails showing that I asked for the ******* company to refund my money and also asked how to return the product which I did not order...I have received no responses from CARTPANDA.
Sincerely,
****** ***Business Response
Date: 05/02/2025
Please see attachedCustomer Answer
Date: 05/03/2025
Complaint: 23267887
I am rejecting this response because:I cannot open their app. I need clear communication.
Sincerely,
****** ***Initial Complaint
Date:04/30/2025
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 call costumer service to file a dispute transaction. And they make things there Way just to not fallow or dispute the transaction. I explain myself several times did I request a refund to my car from ************* and they denied it. I never received the drink that I purchased. Discover bank decided not to dispute the transactionBusiness Response
Date: 05/01/2025
Please see attached.Initial Complaint
Date:04/29/2025
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 writing to formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with DISCOVERBANK Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.Business Response
Date: 05/09/2025
Please see attached.Initial Complaint
Date:04/28/2025
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.
This matter is not about the validity of the original ACH transaction.This is about unauthorized account action taken on March 4, 2025, and subsequent deception regarding Discover Banks handling of evidence and its communications with the CFPB.Key Violations That Are Being Ignored:On March 4, 2025, Discover Bank submitted a redispute without my authorization, despite incomplete or missing documentation.Discover representatives confirmed in multiple calls that my updated documents were not located prior to the redispute submission.Discover later misrepresented the status of my documentation to the CFPB.Discovers "responses" to this serious regulatory violation have been generic form letters, blatantly ignoring the unauthorized action at the center of this complaint.Bad Faith ************* the filing of my new complaint, Discover Bank has:Repeatedly issued nearly identical replies that only address the original ACH dispute, not the unauthorized redispute.Failed to engage with the actual facts presented regarding the March 4 unauthorized action.Ignored clear, documented evidence that shows mishandling and procedural misconduct.Attempted to exhaust the complaint process through repetitive, irrelevant responses a clear example of bad faith and abusive complaint handling.Discover Bank has a documented history of mishandling consumer disputes and providing misleading responses to regulatory agencies, as evidenced by prior **** enforcement actions. This is part of a known pattern.Business Response
Date: 04/29/2025
The attachment provided advised the concerns in the BBB correspondence will be addressed through the ****Customer Answer
Date: 04/30/2025
Complaint: 23260526
I am rejecting this response because:I do not accept Discover Banks response. Their reply completely avoids the central issue of my complaint: the unauthorized redispute initiated on March 4, 2025, without my consent and without properly reviewing the updated evidence I submitted.
Instead of addressing this serious violation, Discover has provided generic template responses and now attempts to deflect accountability by referring back to a CFPB case which also remains unresolved.
As a young Black consumer, I also find the dismissiveness and lack of meaningful engagement deeply troubling. Despite filing multiple formal complaints across several agencies and submitting evidence of harm, I have been continuously disregarded. Whether deliberate or systemic, this pattern of neglect and erasure cannot be ignored.
I am seeking monetary restitution, corrective action, and accountability for the emotional distress, reputational damage, and mishandling I have endured and will continue to escalate this matter until it is properly addressed.
Sincerely,
******* *******Business Response
Date: 05/01/2025
The uploaded response addresses the customer's concerns, and the enclosed letter is a response that was provided previously which holds further detailsInitial Complaint
Date:04/28/2025
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.
I have a home equity loan with Discover Home Loans, in ***********, ***Account Number: ********** I want to transfer this loan from me ******* ***** ***** to the Living Trust of ******* ***** *****.I requested instructions for performing this transfer from Discover Home Loans in December 2024. Discover Home Loans provided instructions for this transfer February 4, 2025. I followed the instructions and provided the required documents February 5, 2025. Discover Home Loans has not responded and has not performed this transfer.When I write and call Discover Home Loans, they say they are working on it, but nothing is happening. Federal Law **** St ******* Act requires lenders to perform transfers from private individuals to living trusts. Discover Home Loans is not following federal law, and is not working on this topic in a diligent manner befitting a chartered corporation in the great state of ******************************************************************************************* Please compel Discover Home Loans to permit this transfer, inform me of the permission, and perform the transfer in their records after I register the property transfer with the County and provide the registered county document to Discover.Business Response
Date: 05/14/2025
Please see attachments.Customer Answer
Date: 05/15/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is somewhat satisfactory to me, but not completely satisfactory.Discover Home Loans did not yet contact me directly to notify me that this transfer is complete.
I learned the transfer is complete via reading attachments to a message from the BBB requesting me to accept or reject Discover's response. Discover Home Loans wrote a summary of events regarding complaint ID ********. While the summary is mostly factually accurate, it contains some inaccuracy, and it omits pertinent facts, including, but not limited to :
1) I requested instructions for transferring this property to a trust via telephone on November 16, 2024. A Discover representative told me on the phone that Discover would provide instructions, but did not.
2) Discover provided instructions for transferring the property February 5. Those instructions did not include a $100 fee or instructions for paying any fee. Discover wrote that this transfer was delayed because this fee was not paid, which is not correct. Discover should acknowledge this error. Federal Law **** St ******* states that lenders must allow borrowers to transfer mortgages to trusts. It is questionable whether lenders can require a fee for these transfers.
3) I complied with instructions from Discover February 5. Discover did not resolve this case or send a message to me between February 5 and late April 2025. This is negligence, incompetence, or both. Discover should acknowledge this negligence, incompetence, or both in a written statement.
4) Discover claims to have waived a $100 fee for this transfer. Instructions sent to me February 5 via email and US Mail did not include a fee. Instructions sent to me via email in April did not include a fee. It is not factually correct that Discover waived a $100 fee. Discover should admit this error in a written statement.
5) The correspondence regarding this transfer between Discover representatives and between Discover representatives and me demonstrates a lack of procedure and competence in dealing with loan transfers to trusts. Discover should state that it will implement training and procedures for transferring loans from individuals to trusts to ensure that transfers like these are simple and fast in the future to ensure compliance with federal law **** St. ******* and provide reasonable customer service.
Sincerely,
******* *****Customer Answer
Date: 05/15/2025
Complaint: 23260338
I am rejecting this response because:
have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is somewhat satisfactory to me, but not completely satisfactory.
Discover Home Loans did not yet contact me directly to notify me that this transfer is complete.
I learned the transfer is complete via reading attachments to a message from the BBB requesting me to accept or reject Discover's response. Discover Home Loans wrote a summary of events regarding complaint ID ********. While the summary is mostly factually accurate, it contains some inaccuracy, and it omits pertinent facts, including, but not limited to :
1) I requested instructions for transferring this property to a trust via telephone on November 16, 2024. A Discover representative told me on the phone that Discover would provide instructions, but did not.
2) Discover provided instructions for transferring the property February 5. Those instructions did not include a $100 fee or instructions for paying any fee. Discover wrote that this transfer was delayed because this fee was not paid, which is not correct. Discover should acknowledge this error. Federal Law **** St ******* states that lenders must allow borrowers to transfer mortgages to trusts. It is questionable whether lenders can require a fee for these transfers.
3) I complied with instructions from Discover February 5. Discover did not resolve this case or send a message to me between February 5 and late April 2025. This is negligence, incompetence, or both. Discover should acknowledge this negligence, incompetence, or both in a written statement.
4) Discover claims to have waived a $100 fee for this transfer. Instructions sent to me February 5 via email and US Mail did not include a fee. Instructions sent to me via email in April did not include a fee. It is not factually correct that Discover waived a $100 fee. Discover should admit this error in a written statement.
5) The correspondence regarding this transfer between Discover representatives and between Discover representatives and me demonstrates a lack of procedure and competence in dealing with loan transfers to trusts. Discover should state that it will implement training and procedures for transferring loans from individuals to trusts to ensure that transfers like these are simple and fast in the future to ensure compliance with federal law **** St. ******* and provide reasonable customer service.
Sincerely,
******* *****
Sincerely,
******* *****Business Response
Date: 05/21/2025
Please see attached.Customer Answer
Date: 05/22/2025
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,
******* *****
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