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

  P.O. Box 15183 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15185 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15192 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:04/17/2025

  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. 

• Initial Complaint

  Date:04/16/2025

  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 have been working with the Discover Bank wire disputes team to assist in the wire recall of funds sent to ************* in *********. The ************* team requires wire recall SWIFT documents MT 103 / MT 199 to allow for the wire recall to be completed. These are standard documents that are provided by all banking institutions that detail the wire transfer. Requesting these documents as a banking customer is common. ********************** refuses to provide the documents, claiming they are proprietary to the bank. Requesting support to allow for the necessary information be shared. Attached is my NY Police report, wire transfer detail letter provided by Discover and the ******** email thread requesting the documents.

  

  Business Response

  Date: 04/18/2025

  Please see attached response.

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23215670
  
  I am rejecting this response because:

  The information provided does not address the complaint. 
  - Discover is failing to provide SWIFT MT103 and MT199 documents from the transfer . These are standard globally accepted documents to verify the transaction and provide details to the banks. 

  Attached is the response from *****************, the intermediary bank. They advised to work with Discover and they can request the documents from BNY.

  These standard globally accepted documents are required by the receiving bank to return the stollen funds. 
  

  Sincerely,
  

  
  ***** ********

  

  Business Response

  Date: 04/23/2025

  please see attached response

  Customer Answer

  Date: 05/02/2025

   
  Complaint: 23215670
  
  I am rejecting this response because:
  Good evening,
  I was unaware that I was able to respond to the complaint.
  Thank you for the follow up and opportunity.
  
  *** *. Executive Office of Customer Advocacy, provides a very detailed review of the transaction and work in trying to recover the funds from **************
  The complaint to BBS was specific to Discover's inability to provide standard SWIFT banking documents that are an industry standard for communicating with banking institutions.
  
  A quick ****** search for MT103 provides the following - 
  An MT103 is a standardized SWIFT (Society for Worldwide Interbank Financial Telecommunication) message format used for international wire transfers. It's a detailed record of a single customer credit transfer, acting as a proof of payment and confirmation for both the sender and receiver. It includes all the necessary information about the transaction, such as the date, amount, currency, charges, sender, and receiver.
   
  Evy M responds quickly and with very little detail on this specific request stating -   
  Please be advised that we are unable to provide you with the MT103 and/or MT199 information you requested as Discover does not have that information.
  
  This is the same unacceptable response I have recived from Discover for three months which has led me to the BBB for support. 
  
  Bank of NY Mellon the intermediary bank used in the wire transactions of Discover has stated they will assist Discover with the requested documents. See attached email - 
  
  I am requesting support in obtaining standard SWIFT documents from Discover who managed the wire transfer via BNY to ************* on 9.19.24. 
  
  ***** Carreras 
  

  
  

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

• Initial Complaint

  Date:04/16/2025

  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.

  I contacted Discover at the end of February and signed up for the hardship program and the person I spoke to read off numerous disclosures pertaining to the program that I agreed to and also was on a recorded line, however I never received any email or documents of the agreement made, never received anything in the mail pertaining to the agreement made, yet they send me bills in the mail but cannot provide any documentation towards this agreement. The agreement was a 12 month hardship program at a 9.9% interest rate in the amount of $151 per month for the next 12 months ending in February 2026.On March 20th, 2025 I was charged over $1000 and spent 2 hours of my time with them trying to figure out why this happened. They preceeded to admit fault on their end, claiming that the amount would be refunded within 5-7 business days however, it limited me because I had to dispute the charge with my bank and was unable to use my debit card and did not have the funds to pay other bills, which resulted in NSF fees which discover promised to refund and never happened.On April 16th, I contacted discover due to a disc***ancy that was subjected to be withdrawn from my account, yet again and they claim it was a minimum payment of $750 but my agreement was $151. After talking with discover, they claim that the issue lies with the original *** who set up this agreement due to their negligence in reading off a disclosure, yet we had no knowledge there was such a thing. When asked to receive a copy or document of the agreement made, they told me there is no copy and it appears they were creating rules as they went along.I signed up for this payment plan on order to build my credit and be able to appraise my house, and refinance my home. This situation is extremely time sensitive and divorce related and due to discovers negligence to follow procedures and to no fault to mine, it has delayed ***orts to the credit agencies to allow me to refinance my home.

  

  Business Response

  Date: 04/25/2025

  Please see attachment. 

• Initial Complaint

  Date:04/16/2025

  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 February 2025, Discover Bank reported a 30-day late payment on my account ending in ******XXXX. At the time, I contacted Discover and explained that this payment was missed due to a verified financial hardship. I did not initiate a formal dispute, but I did request that Discover note the hardship and consider a one-time courtesy correction. The representative acknowledged this and flagged the account, which led to a remark being added to my credit report stating: Account previously in dispute investigation complete.This is inaccurate and misleading under Metro 2 guidelines. I never filed a dispute. Discovers reporting of a previous dispute violates Metro 2 compliance codes by improperly using the ** code, which is only to be used when a formal dispute under **** 611 has been submitted by the consumer. Inserting this remark without my consent or an actual dispute is a clear violation of the Fair Credit Reporting Act (FCRA) 1681s-2(a)(1)(A) and furnisher responsibilities under 623.Furthermore, Discover refuses to correct or validate this late payment, despite my submission of a good-faith explanation and request. They are also failing to meet their FCRA obligation to report data with maximum possible accuracy and are misleadingly referring me to the credit bureaus to resolve an error they initiated.This inaccurate remark and the associated late payment have harmed my credit profile and created barriers to obtaining credit, which constitutes reputational damage and financial harm.

  Customer Answer

  Date: 04/17/2025

  Dear BBB Representative,
  
  
  This message confirms that I personally submitted the complaint against Discover Financial Services and did not authorize any third party to file on my behalf. The information provided in the complaint is my original work and is based on my direct experience as a consumer harmed by inaccurate and improperly verified credit reporting.
  
  
  Debts in Dispute:
  I am disputing a February 2025 late payment reported on my Discover account ending in ******XXXX. This account was never formally disputed by me until recently, and yet it now contains a false dispute remark stating account previously in dispute investigation complete, which was inserted without my consent. This is a violation of the Fair Credit Reporting Act (FCRA) and Metro 2 compliance reporting standards, including:
  
  
  FCRA 1681i(a)(1)(A): Duty to reinvestigate inaccurate information.
  FCRA 1681i(a)(5)(A): Obligation to delete unverifiable or incorrect items.
  Metro 2 Compliance Guidelines: No dispute code (Compliance Condition Code) should have been applied without a consumer-initiated dispute, which never occurred prior to March 2025.
  
  
  
  
  Documentation Provided:
  
  
  A signed goodwill letter sent to Discover in early April 2025, where I explained that the late payment occurred due to a verified financial hardship, and where I requested a correction in good faith.
  Screenshots of my credit report showing the inaccurate dispute remark and account status.
  Call transcript summaries where a Discover representative acknowledges their inability to adjust the reporting directly, despite recognizing the hardship context and offering to flag the account.
  Additional screenshots and supporting materials that demonstrate my active efforts to address the issue directly and transparently with Discover.
  
  
  
  
  This complaint is being filed in good faith, and my objective remains clear:
  To ensure that all credit reporting reflects only accurate, verified, and lawfully obtained information in accordance with **** and Metro 2 standards.
  
  
  Please let me know if any further clarification is required. I appreciate BBBs assistance in facilitating a resolution to this matter.
  
  
  Sincerely,
  ******** ***** *******
  *****, ** 10467
  **************
  **********************************
  
  

  

  Business Response

  Date: 04/29/2025

  Please see attached.

• Initial Complaint

  Date:04/16/2025

  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 filed identity theft report because my previous bank account that was closed had unauthorized transactions and now my current account is being closed because I submitted disputes for those transactions.i will show evidence I was hacked by uploading multiple identity theft reporta and I need my account ******************************** is one of the top banks ever and I need this account.i was not at fault for account being hacked and should not be penalized for it. I am going to show you the identity theft report I submitted because my account was hacked with transfers going to cash app and *********** that's why I filed a dispute with multiple identity theft report and I need my account back

  

  Business Response

  Date: 04/25/2025

  Please see attached

• Initial Complaint

  Date:04/15/2025

  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 trying to get in contact with Discover to find out if I can get my card out of being unsuspension department. No one will answer the phone. I was told in chat to call a 1 800 number. I paid 4000 dollars. I am still paying my bill. I was trying to get it get back open. Just in case for an emergency. I have more money coming to pay it down a lot more.

  

  Business Response

  Date: 04/24/2025

  Please see attachments. 

• Initial Complaint

  Date:04/13/2025

  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.

  I have called Discover numerous times since March to report fraud, get a new credit card number, and even close out the account that someone else. None of my complaints were taking seriously and I have even frozen my account but they are still letting the card be charged.

  Customer Answer

  Date: 04/14/2025

  I am not sure why you need clarification - no one else was authorized to give this information or how exact wording would be used. Discover is not doing thier job when thier customers call and file complaints. I have called numerous times to dispute charges on my acccount. They were suppose to be reported fradulant, but never were, there for the card was used again. I called a second time to report the charges, I was told the reason the card was still being used (despite getting a new number) was because the account number was still the same. I then asked for the account to be closed, but it never was .. hence another charge. The account was also frozen, so I am still  baffled at how the charges were sent through. 

  

  Business Response

  Date: 04/28/2025

  Please see attached.

  Customer Answer

  Date: 04/29/2025

   
  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. Thank you.
  
  Sincerely,
  
  ****** ****