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 1011 Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  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:04/20/2025

  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.

  Discover cashed my mailed check of $100.00 and credited it to my credit card balance, but then they removed the payment from my account. I can not track the check because it was sent by Chime, not ******* are the details:I authorized Chime (***********, N.A.) to mail $100.00 to Discover as payment towards my credit card. The money was withdrawn immediately. This was not my first time mailing out a check like this. My Chime app shows the check was submitted on March 14, 2025, and that it was cashed. I have a screenshot and statements as proof.On March 27, 2025, Discover credited the payment to my balance owed. On April 10, 2025, Discover charged me $100.00 as a payment adjustment.I reached out to Discover through live chat, and the agent said it appeared my check bounced and to give them a call. When I called, the next agent said what had happened was they could not accept my payment because Chime had unauthorized it.I called Chime, and they said they did not do that. They were confused, and they could not refund my money because Discover cashed the check.When I called Discover again on April 18, 2025, the billing department agent was not willing to say much about what happened. I offered to send her proof that the status of the check shows it was cashed. I felt uneasy with this request, but the agent requested my Chime routing & checking account numbers to track the payment. She said she would have the situation investigated, and they would credit $100.00 to my account for now. So far, they have not credited my account, and I have cancelled my other check that was enroute to them.I know Discover was in the news a while back for placing "payment adjustments" on customers' accounts. With my account, there was no need for it. I had plenty of money in my Chime checking account, so I know it did NOT withdraw. For now, I have emptied my checking account.I believe ********************** is committing fraudulent activity, and I want my money credited back to my balance owed.

  

  Business Response

  Date: 04/23/2025

  Please see attached. 

  Customer Answer

  Date: 05/01/2025

  Better Business Bureau:
  
  The issue was resolved with Discover, I just wasn't able to report that through the BBB portal.
  
  Thank you very much for your help with this issue. It definitely made a difference. 

  Sincerely,
  
  ******* Altamirano 

• Initial Complaint

  Date:04/20/2025

  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.

  My name is ******** ***** , and I am writing to formally dispute multiple unauthorized transactions on my Discover account that have not been resolved despite several attempts to contact customer support.For several months, I have noticed recurring charges from:Amazon Kindle I do not have any Kindle subscription or purchases associated with my Amazon ********************* I have never used this website and do not even have an account there.I have reported these fraudulent charges multiple times by phone and through your online system, but the transactions continue to appear and no refund or resolution has been provided. I feel disrespected and unprotected as a customer.Please investigate these charges immediately, reverse the unauthorized transactions, and block any future transactions from these merchants. If this is not resolved within 7 business days, I will proceed with:Filing a formal complaint with the Better Business Bureau (BBB)Reporting the issue to the Consumer Financial ***************** (CFPB)Disputing the charges directly under the Fair Credit Billing Act Here are some of the most recent unauthorized charges (you may add exact dates and amounts if you have them):Amazon Kindle recurring monthly charges ************* multiple unknown charges I demand a full investigation and refund of all unauthorized charges.Sincerely,

  

  Business Response

  Date: 05/06/2025

  Please see attached

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23227461
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******** *****

  i didnt this transactions i cannot pay for something i didint 

  

  Business Response

  Date: 05/09/2025

  Please see attached

• Initial Complaint

  Date:04/19/2025

  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.

  My Discover IT Credit card was closed without me knowing it. I went online to check my account and it said it was closed. I called the back of the card and they said it was due to inactivity. I was not notified before hand that it would be closed if it wasn't used by a certain date. They said they couldn't do anything about it and I would have to apply for another one, which will hit my credit. I think this is totally unfair and a bad way to run a business. There has to be a way to open my card back up or something. I don't think it is fair that I have to have my credit hit because they closed my card without me knowing or doing something so it doesn't get closed. I have had the card for years.

  

  Business Response

  Date: 04/24/2025

  Please see attached

• Initial Complaint

  Date:04/19/2025

  Type:Order 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 am not liable for this debt with discover bank. I do not have a contract with this credit collection agency. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 04/25/2025

  Please see attached

• Initial Complaint

  Date:04/18/2025

  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.

  In December 2023 I took a marketing offer from Discover Financial Services which setup automatic payments for my Credit card.Unknowingly, this process setup automatic payments to a separate department within Discover, and terminated automatic payments to the main department.For over a year everything was fine. Automatic payments were made and my credit report was ************** Feb 2025, WITHOUT notice, Discover terminated my automatic payments to the separate department. They subsequently began charging late fees and reporting to the credit bureau of missed payments.I spoke with several customer service members and supervisors (who were very courteous) about the problem. They explained that I did NOT have automatic payments setup for the duration of the offer (Even though automatic payments were taken, received, and accounted for.)Discover claims that the payments made automatically to the separate department were not classified as "automatic payments". Because of this they claim they do not have an obligation to notify customers that these payments will no longer be made and can freely charge fees for this error.I am suspicious that Discover is setting customers up so they can collect additional late fees and damage credit scores to increase their rates.

  

  Business Response

  Date: 05/07/2025

  Please see attachment.

• Initial Complaint

  Date:04/18/2025

  Type:Sales and Advertising 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.

  Attempted to file online dispute for three **** transactions. Discover online system would not allow despite being three business days past transaction date. Had to initiate phone call to Discover and was routed several times to different departments with no resolution. Discover needs to enable online system for dispute resolution for customers after three days as the transactions reduce available credit. Discover also needs to train their employees on how to handle customer complaints regarding transaction disputes. Demand Discover initiate three transaction disputes for **** orders placed on 4/14/2025.

  

  Business Response

  Date: 05/01/2025

  Please see attached. 

• Initial Complaint

  Date:04/17/2025

  Type:Sales and Advertising 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.

  Almost a year ago, ******** made a mistake and closed my account (they said the reason was I had not been physically in the bank). I had used the key bank checking account to make automatic payments to my Discover bill account. The payments to Discover stopped and I begin making them myself, not automatically but following receipt of each statement. Later I lost my card and it was replaced with a new card and a new number. Unfortunately, my April 2025 Discover statement never arrived and so I was not prompted to make a payment. it also did not occur to me since I had had a credit balance for several months. For reasons that are unclear to me, Discover attempted to pay my new card account using the old key bank account linked to the old discover card, and then when it did not work, they charge me a $30 penalty and interest amounting to close to $9. I feel these charges re unjust and unfair and I asked Discover to refund these amounts today, and they refused. I would like a refund to my account ending in X2084 and for them to remove any record of the old key bank account and remove any connection to both my old and new discover card.

  

  Business Response

  Date: 05/12/2025

  Please see attached

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23219870
  
  I am rejecting this response because:

  Discover removed my automatic payment, whIch I set up in April, as confirmed by their agent, (see attachment) and now they charged me $20 interest, along with the another $10 fee from before. I set up payment immediately again and then set up automatic payment again. I hope they will not cancel it again. I want them to remove ALL fees and interest. They previously charged an old bank account that had been cancelled for 6 months. Their practices are concerning. If they do not remove these interest and other charges, I will have no choice but to cancel the card. 
  
  Sincerely,
  
  **** ****

  

  Business Response

  Date: 05/20/2025

  Please see attached

• Initial Complaint

  Date:04/17/2025

  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.

  Dear BBB,4/17/25 I applied online for the Discover It Credit Card after receiving a "Pre-Screened" offer from them with a special code that provided my personal information. The Discover company already had my application ready to pre-fill. It is important to include that I had applied previously in March and was turned down because they could not find my Social Security number. I thought that this was their way of rectifying the situation. In March, my credit took a hard hit and dropped because Discover could not locate the correct Social Security ************, April 17, 2025, I went online after feeling secure from this invitation that the Discover Company had "pre-screened " me and had the information needed to move on to the approval for a card. I followed directions, gave my special code (See attachments,) and received a message to call them. On the call, I was reviewed with a representative and told I was not approved now because of my car loan and another card, both of which were there before when I applied.I told the representative this was ridiculous, and I would report them to the BBB, not because they didn't approve me, but because I have a second hard credit inquiry from them that is unjust. Both are unjust.The Discover people have hurt my credit for no reseon the first time in March. The Social Security number issue doesn't make sence but then to send me this "pre-screened" mail with special invite just to sucker me into another hard credit inquiry.I am not a stupid person, and I realize many people receive these mail pieces, but they are full of false advertising and misleading jargon.I want my credit report cleared of the hard inquiries made by Discover. I did apply with a different company without issue after the first mishap. ***** A ******* ************************************** ************

  Customer Answer

  Date: 04/17/2025

  Dear BBB,

  I do not have any 3rd party accomplices, nor do I seek any monetary return from Discover. I want their "Hard Inquiries" removed from my Credit Report

  What my complaint states is that Discover botched applications for credit twice with the second being an invitation that was "pre-screened " with my information already accepted in their system. As a result I had 2 "Hard Inquiry Hits" on my credit that reduced my credit score.  My compliant is due to their incompetence and the fact that they falsely promote something via direct mail that does not exist. False advertising, etc. 

  This is not just about me, so I am sure other people complain they receive the same false advertising and find out they end up getting a "Hard Hit:" on their credit too.

  I have simplified my complaint. Please feel free to contact me with any additional questions.

  ***** A *******

  

  Business Response

  Date: 05/01/2025

  Please see attachments.

  Customer Answer

  Date: 05/06/2025

   
  Complaint: 23218833
  
  I am rejecting this response because:

  1)  Discover is continuing to send me "pre-selected" invitations in the mail meant to entice credit application. I received 2 in one day!  This is after my request through BBB to stop.

  2)  Regardless of the responses from Discover, they are misleading and fraudulent in their advertising and promotions.

  3)  Discover hit my credit report 2X with a hard inquiry and I want this reversed - Especially when their excuse was "your social security number wasn't found". This was the first time I have ever  heard something so ridiculous.

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

  

  Business Response

  Date: 05/07/2025

  Please see attached. 

  Customer Answer

  Date: 05/10/2025

   
  Complaint: 23218833
  
  I am rejecting this response because:

  Discover is focused on the fact they vetted my credit to turn me down, yet they keep sending me these "pre-selected" applications. I received two last week!

  After Discover turned me down over not being able to "locate" my social security number, I applied with another company and received a card. Upon receiving propagandic mail like this, I felt assured to apply since I was "pre-selected".

  I don't care about the fine print they hide behind.  The BBB needs to make people aware, because this has affected my credit report. Discover did 2 hard hits when they shoul not have sent some unrealistic "pre-selected" mail to me. Like the mail I am still receiving.

  If you remember, I asked for mail from them to stop in my first complaint. Now I am two a week. I am trying to manage this grievance through proper channels, but we do not seem to be getting anywhere.

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

• Initial Complaint

  Date:04/17/2025

  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.

  My mother had a stroke and gave me power of attorney to manage her finances. I had sent them copies twice of the power of attorney paperwork by Fax and email. They informed me it was incomplete, However it was notorized and excepted by my mother's bank. I had my mother talk to them the last time I called and she gave them permission over the phone to talk to me about anything. They still wouldn't help me even though my mother was on the line with me. All I want to do is change the email address and phone number on the account and obtain access to her account online, so I can manage her account for her. Again I provided power of attorney paperwork twice and we spoke to them on the phone together and she gave them verbal permission to speak with me about anything which is hard for her because she had a stroke.

  

  Business Response

  Date: 04/28/2025

  Please see attachment. 

• Initial Complaint

  Date:04/17/2025

  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 4/12 I paid for a ticket for an event at ******************. The event was told to start at 12am until 4am. When I arrived at the venue, it was a fake event and they were not letting people inside of the building. Discover is refusing to dispute the charge. I tried contacting the promotor and I had no luck.

  

  Business Response

  Date: 04/22/2025

  Please see attached.