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 15873 Wilmington, DE 19886

• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15162 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:06/18/2025

  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.

  Hello,I have started a dispute process with Discover for a transaction of $1425.12 with the dispute ID *********B. ********************** has requested evidence but there is no way of providing supporting documents to Discover. There is no fax number and online secure messages only works for name change documents (+ evidence). Please see the document attached for reference.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 06/24/2025

  Please see attachment. 

• Initial Complaint

  Date:06/18/2025

  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 on multiple occasions regarding an alarm company. SimpliSafe continued billing my credit card from 7/17/2023 until 4/30/2025. I tried to dispute the charges as fraudulent; however, the case was not in my favor. I initially provided SimpliSafe with my card number, which was a hassle because my credit card number had changed multiple times. However, I never authorized SimpliSafe to continue billing my card. I contacted SimpliSafe to cancel services, yet they only had one of the two calls in which I had a service problem. I was then informed they were not going to refund my credit card. Also, I mentioned *********************************************************************. I have not resided at this address for quite some time. I should not be held liable for services I have not benefited from. Discover provided a statement I received from SimpliSafe that there has not been any activity since 7/16/2023. I was told to get more information from SimpliSafe that I cancelled services on 7/16/2023. Again, SimpliSafe has only one of the two calls, which is nonsense. ********** has refused to refund my credit, telling me to dispute the matter with my card company. All I want is my credit card to be refunded from 7/17/2023 to 4/30/2025.

  

  Business Response

  Date: 06/27/2025

  Please see attached.

• Initial Complaint

  Date:06/17/2025

  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.

  Recently, closed my credit card account with ********************** and opted to use a consolidated debt counseling company (that Discover recommended) to pay off the remaining balance owed. It has been a complete nightmare and run around dealing with these people. Lack of competency is running rampant, little to no communication and constant calls on my end has been my reality for the last 2 months. They coded the account wrong, resulting in numerous rejected proposals from consolidated, charge me late fees amongst other fees for their mistake. I can never get in contact with the account manager overseeing the account and the issue still has not been resolved and now I've been informed that they rejected the most recent proposal and replaced it with one their own at 6.99% and 449 dollars a month...every time I've reached out to gain some clarity I am met with lack of accountability.

  

  Business Response

  Date: 06/26/2025

  Please see attachment. 

• Initial Complaint

  Date:06/17/2025

  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.

  I returned an item purchased with my Discover card for $5,296.82. The item was delivered on April 7, 2025 and returned via ***** on April 21. ***** confirmed delivery to the merchant on April 22. Despite submitting proof of return and delivery, Discover denied my dispute and stated the transaction was valid. I am seeking a full refund, as the merchant received the returned item and never issued a refund.

  

  Business Response

  Date: 06/27/2025

  Please see attached.

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23479984
  
  
  
  I am rejecting this response because:
  

  Nothing was attached to explain, which is typical of this company.  Look at my attached document where they blindly sided with the merchant dispute substantial evidence I provided on the contrary.  I have spent over $100k for nearly 20-years on Discover's card, which will never happen again as I am closing my account.  It is great to be of good service when times are good, but what happens when a customer is scammed like I was, how do you come through with loyal customer service then?  Discover has failed and will never have my business again. 
  

  
  
  Sincerely,
  
  
  
  Joseph Arbeiter

  

  Business Response

  Date: 07/01/2025

  Please see attached.

  Customer Answer

  Date: 07/02/2025

   
  
  Complaint: 23479984
  
  
  
  I am rejecting this response because there was no original reply via an attachment to the initial BBB complaint.  I did receive this latest one, referencing the response to the original complaint, but note there was nothing included and no attachment to open, so I cannot tell what this communication was attempting to provide. 
  
  
  
  Sincerely,
  
  
  
  Joseph Arbeiter

• Initial Complaint

  Date:06/17/2025

  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.

  I have attempted to contact for a payment issue that did not process and it incurred a late fee. I have explained the situation and no assistance was received. I have multiple accounts with ********************** and a payment went to the wrong account

  

  Business Response

  Date: 06/20/2025

  Please see attached.

• Initial Complaint

  Date:06/16/2025

  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.

  On may 27th I initiated an external transfer from my safe credit union savings account to my ********************** savings account. For some reason the safe credit union savings account got suspended and that interrupted the transaction that and it being a holiday. Safe eventually unsuspended the account and provided me with emails and a trace number stating that the transfer was done on their end. Discover bank doesnt have any explanation of why then money never made it to the savings account and Ive had to file a dispute just for them to tell me daily that theres no pending deposit and theres nothing they can do. I just want them to credit my account the $1505 so I can transfer it out and close the account.

  

  Business Response

  Date: 06/23/2025

  Please see attached. 

• Initial Complaint

  Date:06/15/2025

  Type:Billing 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 Card ending in 0011. I am a Card holder since 2006. I pay all bills with a paper invoice and mailed check. I received an email notice that my most recent payment of $508.60 with check #**** mailed on 5/30/2025 was rejected as my bank account is closed. That is factually wrong. I can only deduce the "software" system at Discover Card had a problem/the payment went to the wrong routing #/the payment went to the wrong account. This is a first-time event for me with this card or any other card.I contacted my bank - *************** and Trust - and a review of the account online indicates no attempt to submit the check for payment. The account is active. The account has significant funds from month to month.I contacted Discover Card. **************** confirmed ********************** has my check. **************** also confirmed they are unable to resubmit the check based on the Discover Card reason for the rejection - a closed account. So, I have an active bank account and a check in their possession drawn on my active bank account. ********************** has a designation assigned to my account (internally to their company) that prevents Discover Card from resubmitting the check for payment.I have attempted to pay the bill online. Discover Card payment options include automatic withdrawal (I don't use this method) or online banking arrangement (I will not set up an account and process payments online). I might not be able to set up an account since my ********************** Account has been "flagged." I want the company to submit my check; the payment will clear. Credit any delinquency fees, late fees, additional interest charges, and any other fees they might charge for the delayed payment.Please review the uploaded documents. Discover Card prints on my bill that I have a credit score of 811. Like, wow! I know my credit score is high; I manage money well. Doesn't Discover read what they print about me? They need to work with me and not against me. Thank You.

  

  Business Response

  Date: 07/02/2025

  Please see attached.

  Customer Answer

  Date: 07/07/2025

   
  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:06/14/2025

  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.

  On 4/16/25 I ordered perfume sprays from a company ********* in the amount of $190.40. I had problems with the company from the start. They did not ship out my order. I complained. They said they would reship because they claimed the order was lost. Then, when I finally received the package, it was missing items, items were leaked all over, and what was left was not as described on their website. I contacted them again. They said they would give me a refund for the missing items and a partial refund for the damage, but would not accept returns. I gave them a screenshot of their website policy. It states returns within 14 days. They went and changed the info on their website and never gave me a refund as promised. I filed with Discover for a fraudulent charge. Discover sided with the company and said the reason why was that I did not send back the items and they need to go with the company policy. Company policy?? I told Discover HOW CAN I DO THAT IF THE COMPANY WILL NOT ACCEPT RETURNS!? Discover said that the company said you did not send the items back, so there is nothing they can do. NOTHING THEY CAN DO?? I said what about the items I did not receive and were damaged?? The company stole my money, and Discover, instead of protecting me as the client, went against me and participated!! Even though I sent all the email documentation of what happened. In 30 years of having credit cards, DISCOVER IS THE WORST COMPANY EVER!! The representative had no common sense and would not allow me to talk to a manager. Her name was ********. She would not give me her last name. I want my money back, Discover, and I wish you get the karma you deserve for ripping off hard-working businesses that use your credit card. This is not acceptable.

  

  Business Response

  Date: 06/27/2025

  Please see attached customer response 

• Initial Complaint

  Date:06/13/2025

  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 had a Subscription to ThisisMoodhouse in January, 2025 that I ended on May 7, 2025. They draft my Account every Month on the 11th. I have a thread of emails with this Company Moodhouse showing I cancelled May 7, 2025 and I did not want to be charged in May, 2025, I asked them to stop charging me, I was assured it would be handled and not charged but I had to fill a Form out in which I filled out 3 times May 7, 11 and June 1st. I screenshot my activities but I have ******* screenshots to sort out, but I cant find my Screenshots for these dates but I am sure they are there. I did email Moodhouse about this unwanted May charge. I never heard back. I Disputed this issue with Discover and they immediately turned me down as Moodhouse ONLY gave them Documents that helped them Win but left out our entire emails together that show I am right.. I sent in a lot of Documents of my Evidence to Discover but I did not hear back but I waited a week then today June 13 I made contacted, Discover claims that I Gifted 4 of my Credits to my Family, and that I used May. I NEVER used the Service and definitely did not Credit nor use May. They took a few seconds to look through my Evidence, 20 Documents, my Spouse sent them in. Discover ignored that Moodhouse cancelled me in January but insisted I still came in. I did NOT. I am Loyal and giving, I do not understand why no one will give me my ONLY one charge of $125 for May. I did not come in May. I not been there since December when I went to signed up for January, 2025. Yet ********* keeps asking me to make an Appointment in June and to come back. Why is no one listening to me. I pay Discover but they made a comment that I need to pay interest on this May charge. Discover is not being Professional nor Fair to their Customer me. Moodhouse told ********************** I was cancelled for June but they keep asking me to come in and get a Massage. I have found them to be nasty, I regret signing up with this *************. I have the emails if need

  

  Business Response

  Date: 06/18/2025

   Please see attachment.

• Initial Complaint

  Date:06/13/2025

  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'm filing this formal complaint regarding a Discover Card account (ending in 1419****), opened on 12/15/2019, and reported with a balance of $6,651.00. This account continues to appear on my credit report despite numerous efforts to dispute its accuracy and verify its legitimacy. Discover and the credit reporting agencies have failed to provide any legally sufficient documentation to confirm this account belongs to me or that the amount reported is accurate.Under the Fair Credit Reporting Act (FCRA), I am entitled to fair and accurate credit reporting. According to 15 U.S.C. 1681i(a)(1)(A), credit reporting agencies must conduct a reasonable reinvestigation of any disputed item within 30 days. Despite initiating multiple disputes, I have yet to receive any verifiable proofsuch as a signed application, billing statements, or original agreementthat substantiates this account.Furthermore, 15 U.S.C. 1681i(a)(5)(A) states that if an item cannot be verified, it must be promptly removed. The continued presence of this unverified account is not just frustratingits a direct violation of my rights. The burden of proof lies with the furnisher and the bureaus, not the consumer.This reporting has negatively impacted my life in very real wayscredit denials, higher insurance premiums, and emotional stress. Its demoralizing to fight for fairness only to be ignored or dismissed. I have not received meaningful responses or evidence, only generic responses that do not meet legal standards.If Discover cannot provide full and original documentation proving this $6,651.00 debt is valid and accurately attributed to me, I am demanding the immediate removal of this account. I am fully prepared to escalate this to the ************************ (***), the Consumer Financial ***************** (****), and pursue all remedies available under 15 U.S.C. 1681n for willful noncompliance.

  

  Business Response

  Date: 06/23/2025

  Please see attached.