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

  502 E Market St Greenwood, DE 19950

• 

  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

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:10/25/2022

  Type:Product 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.

  My ss# ***-51-0333 old address is ************************************************************************** 90028.I confirmed your check deposit in the amount of $23,000, originally deposited on May 3, 2022, was reversed on July 26, 2022. The reason for the reversal was because the check was determined to be non-conforming. Amongst other reasons, a check may be deemed non-conforming due to the scanned quality image, the paper size of the check, or invalid account details printed on the check. The determination that your check deposit was non-conforming did not come from ***** but instead from the third-party clearing house, SVPCO, who we use to clear all electronic check images. SVPCO made the determination and debited **** in the amount of the check on July 25. The same day **** was debited, the credit should have been forwarded to the drawee bank, ************** Please note, the initial debit to **** and credit to ************* were processed by SVPCO. The transactionID is SVPCO #*******. **** debited your account on July 26 to offset the debit we were issued from SVPCO the day prior. I wanted *******, ************* should refer back to SVPCO to trace the funds using the transaction ID. If you have any additional questions, please contact *************************** in our Customer **************** tollfree at ************ or direct at ************. Alternatively, you can reach her via email at customer.relations.**@us.hsbc.com.Yours sincerely ****************************** Senior Customer Experience Manager Head of Customer Relations cc: ***************************, Vice *************** of Customer Experience Consumer ********************** ***************** Case Number 220916-9409482

  

  Business Response

  Date: 11/18/2022

  Please see attached

  Customer Answer

  Date: 11/21/2022

   
  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:10/25/2022

  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 have been a customer of ********************** for 4 years and 7 months. In July of 2021, I fell off my motorcycle and severely injured myself. Due to this, I was out of work for almost a year and I wasn't able to make every payment on time. In May of 2022, I started making my payments again and have since, kept my account on track. In January of 2021, my wife was diagnosed with Covid so she could not help with payments either as she lost her job that she had just gotten. Discover advertises that they have programs that are designed to provide temporary financial relief to their cardmembers. They also advertised that they are "extending relief to qualified customers who are experiencing financial difficulty caused by the spread of the coronavirus (COVID-19)." Since I was affected because of job loss and Covid, I reached out to **************** and I was told that nothing could be done. I asked the rep if they had any financial assistance for cardmembers who are having trouble and the rep stated that they did not. I was over my credit limit due to late fees being assessed and I asked if any could be refunded so I can catch up and she stated "I cannot make adjustments to the policy and adjusting late fees is not possible". I am upset with Discover at the lack of empathy for their cardholders. 4 years means nothing once you miss a payment even if it's through no fault of your own. I requested a goodwill adjustment on 10/11/22 as I am currently going through the home-buying process. I was met with a generic letter stating that "the reporting to the credit bureaus is accurate". I am not nor was I ever disputing the accuracy of the reporting. I am simply asking for some slack and a goodwill adjustment so I can continue with this process because the late payments are hindering me. If Discover doesn't want to adjust the 5 payments, that is fine. But I do ask that the most recent late payments (5/22 and 2/22) be adjusted. Please change the remark to neutral so I can buy my home.

  

  Business Response

  Date: 10/26/2022

  Please see attached

  Customer Answer

  Date: 10/27/2022

   
  Complaint: 18308909
  
  I am rejecting this response because: Discover still has no regard to what I was going through and how I was rejected financial assistance from them while going through Covid and while suffering a job loss. I understand their NEED for true and accurate reporting but all I'm asking is a change in the remarks. Simply from the late remark to NR. I asked for help from Discover and nobody offered any assistance even though they stated that they help their cardmembers. I feel no empathy from Discover and like they just don't care about anything that their cardmembers go through. We are trying to buy a house and this is hurting us real bad. Please show that you care about your cardmembers and their situations and make a goodwill adjustment. 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 10/31/2022

  Please see attached

• Initial Complaint

  Date:10/24/2022

  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.

  Hi,My name is ***************. I have had a Discover credit card since 2012 and this card became inactive around 2015.I stopped using it because I received an account statement (even a new credit card) that does not belong to me. This person has the same name as mine, but somehow Discover Bank put my address under that person's account. I've reported this issue so many times, but nothing has been resolved. I kept receiving statements which not belong to me.Later, I started to receive a debt collector letter. I immediately report this to Discover Bank and they admit that the account is not mine and I did not owe them money. However, still, nothing changed... I kept receiving debt collector mails. I reached Discover Bank one last time, we were on the phone call for more than one hour and they transferred me to the debt collector at the end! They just simply say "oh, now we know you don't owe the money and we will take care of it." The call just ended, nothing future being informed /explained by Discover Bank.Today (10/24/2022), I received the Debt Collector mail again in my mailbox!!!!! Discover Bank apparently took no action on it. And I am really concerned that my information is somehow messed up in their system. How come another person's card/account is listed under my name? (even though we have the same name) I believe there are lots of people who have the same names nationwide. I am really concerned about my personal information is not safe (can someone else receive my account statement?)Based on all the contacts that have been made to Discover Bank, I don't believe contacting them again can make any changes to my case. I really hope they can provide me with an explanation and remove the debt that I do not owe!!!Thank you so much in advance for taking the time to read through my case. Any help will be much appreciated!Thanks,*************** (******)

  

  Business Response

  Date: 11/09/2022

  Please see attached.

  Customer Answer

  Date: 11/10/2022

   
  Complaint: 18308475
  
  I am rejecting this response because:

  Thanks for confirming the my account **** has no balance owe to Discover Bank.

  
  

  But Discover did not confirm the account ends in **** does not belong to me and provide explanation on why I am receiving Discover mails and debt collection mails.

  
  

  Will this account ends in **** removed from my name and address since I have nothing to do with it? Will I continue to receive debt collection mails? 

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

  

  Business Response

  Date: 11/15/2022

  Please see attached.

  Customer Answer

  Date: 11/16/2022

   
  Complaint: 18308475
  
  I am rejecting this response because:

  
  

  Discover did not confirm that account ending in **** is not my account. They have not explain why account ending in **** is listed under my name and address.

  
  

  Please confirm account ending in **** is NOT my account and ensure that I am NOT going to receive any letters regarding the account that I do not own.
  
  Sincerely,
  
  ***************

• Initial Complaint

  Date:10/24/2022

  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 asked this company discover to conduct a proper investigation in accordance with federal law and they failed to disclose those findings. A proper investigation into this alleged debt would include 15 USC ****i. 15 USC ****c1 Identity theft prevention and active duty alerts. I was never provided any disclosure to opt out of credit reporting related to identity theft.

  

  Business Response

  Date: 10/27/2022

  Please see the attachment

• Initial Complaint

  Date:10/24/2022

  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 5/10/2022 I purchased a service from a company named LightRx using my Discover card. The service was never rendered. On 9/14/2022 I requested a refund for the unused service. Discover reversed the charge "temporarily while they investigate." I have no idea what type of investigation was done or if they even contacted LightRx because they did not communicate a thing to me. They randomly reinstated the charge onto my card on 10/21/22. I call to find out what is going on they say I need to send more proof. I contacted the company LightRx who were surprised to hear of the reversal of charges. They sent over what they had in their system which showed the appointment was cancelled and refunded. I upload the documents to Discover but they closed the case. No idea if they even reviewed the documents. I need to know if Discover contacted the business who denied that I did not receive the service or if it is Discover who is refusing to reverse it given the documents and agreement to reverse the charges by the company (LightRx). That way I can know if it is the company lying and attempting to keep funds for a service never rendered, in which case I will take legal action or if Discover is just not doing their job in which I can report to this to the credit bureau. Very disappointed in Discover as I thought their customer service was better than this.

  

  Business Response

  Date: 11/14/2022

  Please see attached.

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18305422
  
  I am rejecting this response because:

  
  

  Again Discover refuses to do their job. When the merchant provides a written statement to me, I will forward it to the credit bureau and discontinue using Discover as my main credit card. The "representative" working on my case from Discover didn't even have the decency to respond to my email inquiring about the status. It's still unclear to me if Discover actually ever reached out to the merchant but it doesn't matter at this point. I will do Discover's job & be done with this company.
  
  Sincerely,
  
  ********************

• Initial Complaint

  Date:10/23/2022

  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 7/27/22, 8/27/22, and 9/27/22, Amazon began making unauthorized debit of $9.99 to my Discover Card.As these were un authorized, I was not aware. This resulted on my Discovery Card to have a balance (for which they charged $71 in late fees). Amazon apologized and refunded the money, however, Discover reported it to the credit bureaus. This resulted on my credit score to drop from 764 to 628.I have not been late on a credit card payment in almost 20 years. However, Discover has refused to remove the late payment report, even though it was an accident that was made by Amazon. Discover didn't even call to let me know that I was late on my payment.All I ask is that they remove the late payment from my credit score as this will affect future financing. I'm a good person, who is responsible at paying my debts. A 136 drop in my credit score is too much of a punishment because I didn't know that my credit card was charged $30 without my authorization. Discover benefited by charging 136% on this Amazon error and has refused to help even after I've literally BEGGED them multiple times.

  

  Business Response

  Date: 10/28/2022

  Please see attached. 

  Customer Answer

  Date: 10/28/2022

   
  Complaint: 18301515
  
  I am rejecting this response because:
  I am out of the country on vacation until 10/31/2022.

  while out, my other credit cards also began punishing me by lowering my credit due to Discovers actions. 

  I will attempt to call Discover union my arrival to the US on 10/31/22

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

  

  Business Response

  Date: 11/01/2022

  Please see attached. 

  Customer Answer

  Date: 11/02/2022

   
  Complaint: 18301515
  
  I am rejecting this response because:

  
  

  On the call on 11/1/2022, I learned that Discovers request for me to file a complaint with the BBB to have their negative report sent to the credit bureaus was not in line with their regular process to do so.

  
  

  During the call, I was asked to call their fraud department to report the transactions (which appears to be the correct step in accordance with their procedures). 

  I called their fraud department on 11/1/2022, and their investigation has started. 

  I hope that once the investigation is completed, they can remove the negative report that resulted in a 138 points decrease on my credit score.

  
  

  Ive never been late on a payment and it seems unfair that Im being punished for something that I did not effectively initiate. 

  As a result,  my credit score has been damaged, I am unable to get good financing for a car purchase and my current credit cards have also punished me by decreasing my credit lines due to the negative report by Discovery. 

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

• Initial Complaint

  Date:10/22/2022

  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.

  In July of this year I sent them the money order to pay on my credit card they took the number off the money order which they call or check and put it in my file as saved so when I tried to make two payments in October of this year it came back insufficient funds they used that number stored it in there and now they have dropped my credit score ******************************* is 36 days with late payments I did not make this error they did when I went to the bank they're the ones that figured out how this happened so I tried to reach out several times to discover but they keep telling me there's nothing they can do about my credit score that they ruined nor can they do anything about the 36 Days showing late I did not make this mistake I shouldn't have to pay for it I'm in the process of trying to purchase home which just because of this took me out of the market to get financed to purchase I think they should have to reverse every bit of this but they are not willing to

  

  Business Response

  Date: 10/31/2022

  Please see attached. 

• Initial Complaint

  Date:10/21/2022

  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 opened a savings account online 9/27/22, verified the account via confirmation of two small emails, and funded the account 9/28/22, with a hold on the funds until 10/12/22. Received an email at 5:06 p.m. 9/30/22 that my account was locked due to suspicious activity. Per the email instructions, phoned Discover 10/1/22 to be told they needed to get my funding financial institution and me on the same line to verify funds - funds that were already in Discover's possession. It was Saturday - the institution was closed. I phoned again 10/3/22 to allow Discover personnel to contact my financial institution. After being on the phone for 20 minutes, was told my financial institution would not confirm or deny funds, and that my account would remain locked. I had my financial institution reclaim the funds from Discover. I called to close my account 10/12/22, but was told Discover had closed it for "Business Reasons", and was still locked from the account. On 10/19/22 I attempted to open a savings account with ************ only to be denied because my score with "Early Warning" was unacceptable. That score is a direct result of Discover's handling of my account. I want the blemish to my "Early ********* ***** Systems" and any other banking reporting entity restored to my pre-Discover "relationship", as the account was never fraudulent, and there was no indication of the requirement for me or my financial institution to verbally verify funds already in Discover's possession.

  

  Business Response

  Date: 11/09/2022

  Please see attached.

  Customer Answer

  Date: 11/10/2022

   
  Complaint: 18295266
  
  I am rejecting this response because:

  Discover did not address the issue at all.  

  
  

  Discover falsely submitted damaging, false information that corrupted my rating, and made it impossible for me to open a standard savings account with another financial institution.  The Discover employee who attempted to verify my funds at my institution told me she was going to file a complaint on my behalf, and advised me to have my financial institution reclaim the funds that had been sent to Discover, and subsequently frozen.  

  
  

  Discover has fraudulently tarnished my rating and should be responsible for correcting it.  
  
  Sincerely,
  
  *************************************

  

  Business Response

  Date: 11/18/2022

  Please see attached. 

• Initial Complaint

  Date:10/20/2022

  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.

  Account #*************** . Regarding my Discover student loan. I've had autopay turned on and my monthly payment of $171.74 has been coming out without issue until now. On 10/3/22, my October payment of $171.74 posted like normal. On 10/4, that amount unexpectedly posted an additional 3 times. I called Discover and they couldn't tell me anything except that for some reason there were two autopays running on my account. A manager tried stopping the autopays from her end and couldn't. She said she was receiving a "system error". She said that they were going to look into this and would call me back. The next day (10/5), I saw ANOTHER TWO payments of $171.74 pending on my checking account! A total of 5 payments of $171.74 I was wrongly charged for this month. I immediately called my bank (KeyBank) and put a stop payment on Discover. I was able to dispute the 3 posted payments from 10/4, and the other two pending payments from 10/5 eventually fell off because of the stop payment I initiated with KeyBank. The payment on 10/3 was left alone. On 10/18, I received the 3 payments of $171.74 back from KeyBank that I was incorrectly charged for on 10/4. Now, my Discover account is suddenly "30+ days past due". I called Discover again. Now they're trying to tell me that my September and October payments were refunded and that I am past due. I called KeyBank and they confirmed that my September and October payments have indeed posted. My September payment posted on 9/7 and October posted on 10/3. Neither of those payments were reversed, as Discover is also trying to claim. ******* confirmed that the only refunded payments were the 3 from 10/4/22 that I was wrongly charged for and disputed. Discover obviously has some sort of system error that needs to be figured out ASAP so my credit is not impacted. I have attached my ************** statement to show I paid that month. October's statement isn't available yet so I attached this month's transaction history with Discover.

  

  Business Response

  Date: 11/15/2022

  Please see attached.

• Initial Complaint

  Date:10/20/2022

  Type:Customer Service 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 continue having issues with Discover. The last time I filed a complaint, Discover lied and said they reached out to me and that we spoke. That never happened and no resolution was ever provided. I reached out on October 15 to file a claim. I spoke with ********* who refused to open the claim. She could not explain why she refused to open the claim. I asked to speak with a supervisor and she said one would follow up within 48 hours. That never happened. It's been 6 days now. I reached back out and spoke with ****** to ask why no one followed up. ****** repeatedly ignored my questions before I assume she left the chat. I've been sitting on the chat waiting for a response for an hour and 21 minutes now.

  

  Business Response

  Date: 11/09/2022

  Please see attached.

  Customer Answer

  Date: 11/09/2022

   
  Complaint: 18288075
  
  I am rejecting this response because: Discover refuses to acknowledge the issues mentioned in complaint. I replied to ***** email on November 3rd. I never received a response from him. Several days later, I received a voicemail from ****. I emailed him telling him I would like to keep communication via email. I also received no response then. I have attached the communication between myself and ****

  
  Sincerely,
  
  *************************** comm

  

  Business Response

  Date: 11/14/2022

  Please see attached.