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
- 3,177 total complaints in the last 3 years.
- 980 complaints closed in the last 12 months.
If you've experienced an issue
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: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.
I have submitted 3 separate emails to get Power of Attorney set up for my elderly father's Discover Card. I have called Discover 4 separate times and continue to be told to re-submit the paperwork. They have never called me and have transferred me several times just to lose the connection.
Business Response
Date: 05/14/2025
Please see attachment.Initial Complaint
Date:04/25/2025
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 no longer liable for any debt or contract that is connected to Discover Bank. The account was paid off and canceled in June 2024.Business Response
Date: 04/30/2025
Please see attachmentInitial Complaint
Date:04/25/2025
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 respectfully request assistance regarding a series of late payments reported on my Discover account in ******* October 2019, I contacted Discover and was informed by a representative that my account was successfully enrolled in autopay. Based on this communication, I traveled internationally for a study abroad program and reasonably trusted that my payments would be processed automatically while I was away.Upon returning to *****************, I discovered that autopay had not properly activated, and my account became past due between March and May 2020. I understand that Discover's internal records show autopay activation occurred in December 2020; however, I acted in good faith based on the information I received at the time.Since then, I have demonstrated responsible financial behavior by maintaining a perfect payment history and working diligently to rebuild my credit. I respectfully request that Discover consider a goodwill adjustment to remove the reported late payments from my credit history.I am not disputing that payments were missed rather, I am requesting a reconsideration based on the circumstances and the significant positive payment behavior I have shown over the past several years.I appreciate your time and consideration in reviewing this request and look forward to a resolution that acknowledges the genuine nature of my situation.Thank you very much.Business Response
Date: 05/07/2025
Please see attachment.Initial Complaint
Date:04/25/2025
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 did all they asked, last They asked me if I filled my taxes , which I did and gave them authorization to my tax transcript, they closed my account claiming they could not verify me, wasting hard inquiry, I ask to open my my account back as I had no issue with other credit cards companies ,Also I discussed and heard they did that to many friends and they need to be held accountable.Business Response
Date: 05/08/2025
Please see attached.Customer Answer
Date: 05/09/2025
Complaint: 23251814
I am rejecting this response because:I informed the agent , that I filed 2024 tax not 22 or 23 as I was not required to do so , and that should been enough to verify me , but they did it the wrong way choosing non existing tax years , despite the fact you already verified me few days before at account opening using my us bank statement,
Sincerely,
****** ******Business Response
Date: 05/12/2025
Please see attached.Customer Answer
Date: 05/13/2025
Complaint: 23251814
I am rejecting this response because:
I filled tax 2024 only and was not required to file the previous one, I informed agent but they tried to verify me using 23 and 22 tax . You need to verify me using 2024 which is current tac
Sincerely,
****** ******Initial Complaint
Date:04/25/2025
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 AGAINST DISCOVER FOR NOT ABIDING BY THE **** LAW THE ACCOUNTS LISTED DOES NOT BELONG TO ME :DISCOVERBANK Account number ********************************* Account number ******** THERE ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT FROM DISCOVER BANK WHY I HAVE 3 ACCOUNTS UNDER ********************** THAT ARE OPEN?Business Response
Date: 05/15/2025
Please see attachedInitial Complaint
Date:04/25/2025
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 state that I do not owe any debt to Discover Bank. I never agreed to any disputed charges, nor did I tell Discover that I accepted any resolution. I deny all liability and formally request that this matter be removed immediately from my credit report and any related records.Business Response
Date: 05/12/2025
Please see attachment.Initial Complaint
Date:04/25/2025
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 report a fraudulent account that has been opened in my name. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: DISCOVERBANK Opened Date: 1/28/2020 Account Number: ****************High Credit: $3,033.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.Business Response
Date: 05/06/2025
Please see attached.Initial Complaint
Date:04/24/2025
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 file a complaint regarding my recent chargeback request with Discover Bank related to transactions associated with my TikTok account. I have uploaded the relevant documents that detail my communications with TikTok concerning these *************** previously stated, my checking account was debited for multiple transactions on TikTok. While my TikTok account reflects that the amounts originally deducted have been refunded, I have not yet seen this amount credited back to my checking account.Business Response
Date: 05/20/2025
Please see attached.Initial Complaint
Date:04/24/2025
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.
Reported false information was never lateCustomer Answer
Date: 04/24/2025
I am send this because they our report fake information to the credit bureauBusiness Response
Date: 05/13/2025
Please see attached.Customer Answer
Date: 05/13/2025
Complaint: 23245157
I am rejecting this response because: I was never late and they need to remove that I was
Sincerely,
****** ********Business Response
Date: 05/13/2025
Please see attached.Customer Answer
Date: 05/13/2025
Complaint: 23245157
I am rejecting this response because: You havent removed your reporting as far as the request for documents what would you need on my end? I dont see you give me documents ?? where the documents you reviewed
Sincerely,
****** ********Initial Complaint
Date:04/23/2025
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've been a Discover customer for a long time but their dispute team is deficient in understanding customer's disputes. I would think twice about a Discover credit card because I've had similar issues with other credit cards and never had an issue with them properly crediting my account. I will be cancelling my Discover card.1. I ordered $156.95 in clothing from what I thought was an **************** called **************************2. When I got the clothing it was horrible. Wrong sizes, didn't look like what I ordred, cheaply made, etc... After more digging, I found out it was a *************** posing as a company in *** 3. I contacted the retailer who said I had to return everything to ***** for a refund. I then filed a dispute.4. Discover investigated and said because you still have the merchandise there is nothing they can do. I told Discover I want to return it, I don't want it, but nowhere in the Terms of Service or Return Policy does it state that I have to return it to *****. 5. I then disputed it again with Discover and provided a copy of the terms of service and return policy that doesn't state ANYWHERE that it needs to be returned to *****. I just wanted to return the items back to a *** location where they advertise they are located by placing an American flag at the bottom and listing a USA phone number 6. Discover once again reversed my credit. 7. On 4/23/25 I literally got into an argument where the Discover *** said it doesn't matter what the terms and service and return policy states if you don't return the merchandise there's nothing we can do 8. I said so if the merchant says you have to return it to the planet **** but you don't have an address and can't return it that is ok....and she said YES!! This is pure madness 9. Like I said, I've never had a problem with other credit card companies so this is a learning experience. I won't be using my DISCOVER card and will be cancelling it.Business Response
Date: 05/07/2025
Please see attached.Customer Answer
Date: 05/07/2025
Complaint: 23239948
I am rejecting this response because: Please refer to my original complaint. I just want everyone who uses Discover to think twice because they are the only credit card company that fails to take a lack of specifics and details in the terms & conditions and return policy on a merchant's website. Discover's dispute resolution team literally told me that the terms and condition and return policy doesn't matter. It blows my mind.
Sincerely,
******* ******Business Response
Date: 05/08/2025
Please see attachment.Customer Answer
Date: 05/12/2025
Complaint: 23239948
I am rejecting this response because: I would rather have this complaint posted so others can see the tragedy in using a Discover card when dealing with a dispute vs. other credit cards.
Sincerely,
******* ******
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