Complaints
This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 3,145 total complaints in the last 3 years.
- 948 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/19/2022
Type: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.
Date of transaction: 10/3/2022 Date Posted: 10/7/2022 The amount of money paid: $2881.00 Balance Transfer PLUS $115.24 fee The issue: Discover Financial Services has been sending me emails about a balance transfer offer with 12 months 0% APR since early September. The offer never mentioned that the balance transfer cannot be sent to a checking account, and I did call to confirm and the representative I spoke with told me it is ok. 2 weeks later when I found out that the fund is still not available in my checking account, I called Discover again and found that this offer actually cannot be sent to a checking account which is why I never received the fund. Even though the money has not been encashed, Discover billed $2,881.00 and $115.24 to my account already. A Discover agent opened a dispute for me on 10/15/2022 for the balance transfer amount of $2,881.00. I asked about whether I should open a dispute for the $115.24 fee as well and the agent told me the fee does not need to be disputed - it will be refunded automatically when the dispute is resolved. During 10/14/2022 to 10/18/2022, I have spoken with at least 6 agents telling me the same thing - the fee WILL be refunded automatically, there is no need to open a dispute on that.On 10/19/2022, when I called again looking to expedite the dispute progress, the agent told me she needs to confirm with her supervisor about the fee. Then I was told a different story - she told me the fee is NON-REFUNDABLE.Now I feel like I'm scammed and Discover is really unprofessional. They train their agents to tell incorrect information to customers and make money out of it.Resolution I seek: 1. Refund my $115.24 fee 2. Refund the $2,881.00 balance transfer which has never been received 3. Extend the 0% APR balance transfer offer for the mistake you made for telling me it works for checking account.Initial Complaint
Date:10/19/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
They put a late payment on my credit report after I was late 2 days passed the 30 day ***** I have a perfect payment history for 10 years and have never been late. They never notified me, and I had trouble signing into the app days prior. Their policy is to put a derogatory ****** on your credit the day after the 30 day cycle without warning. Terrible customer service to someone who always pays on time and is a valued customer. This is capitalism at its worst. I will not be using their services and want my derogatory ****** removed. They refunded my late payment so they should have the courtesy to remove this which can affect my livelihood. A business like this should have the responsibility and decency to prevent something like this from happening. If Im passed due on other bills I get notified and pay right away. It DOES NOT HURT MY CREDIT. Discover you ****
Business Response
Date: 10/20/2022
Please see attached.Initial Complaint
Date:10/18/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Discover Card purposely closed my credit card account without my authorization due to only inactivity that resulted in my credit score declining significantly and which reduced my chances to receive a competitive financing rate with buying a new car.Business Response
Date: 11/03/2022
Please see attached.Initial Complaint
Date:10/18/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
ALMOST LAST TWO YEARS DISCOVER BANK OFFERDS ME TO GET THEIR PAYMENT PROTECTION PLANI APPLIED 3 TIMESMY FIRST APPLICATION I SHOULD HAVE RECIEVED A confirmation later during 3 to 5 month period I did not received anything when I recognized I was out protection plan and I got charged few months interest I applied again for protection plan again I did not receive any conformation letter I called them they taller me they send the letter few times but I did not received meanwhile I was receiving my credit card details letter I requested from them to send the protection payment plan letter with tracking mailing option and I was willing to pay the cost they refuses even I asked to send me the letter my secure e-mail. I do know secure e-mailing is their customs when discover wants to communicate with their client when I called and applied 3rd times protection payment plan discover bank customer service told me to wait until end of September to get better resolving option Today I called discover to better payment option for my debt unfortunately they had nothing different to offer meall I asked is way to pay my debt with out higher interest as I am unemployed please help meBusiness Response
Date: 10/27/2022
Please see attached.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been unable to reach ANY executive at Discover for more than a month now in regards to a true scam that resulted in Discover not reversing the $500 charge caused to me. Please see my several attempts to reach them. Please help me get this resolved. I can provide e-mails attempted - you have a word limit here, so I can't fit all of them. Thank you. ---- Forwarded Message -----From: "Discover Card" <**********************************************************************>To: *************************** <*************************>Sent: Thu, Sep 15, 2022 at 9:07 PM Subject: Dispute Case Update Discover Access My Account Account number ending in **** Dear *********************************, We've received your request to dispute the transaction for $500.00 on your Discover Card account and are sorry to hear you had a poor experience with TARGET ***********. We cannot, however, initiate a dispute on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction.As a result, the transaction remains a part of your account balance unless already paid and is subject to interest calculations, if applicable.Business Response
Date: 11/08/2022
Please see attachedInitial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies:Account Name DISCOVERBANK Balance $0.00 Account Number ************Business Response
Date: 11/04/2022
Please see attached.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Discover offers cash back bonuses on purchases each 3 months with specific criteria. This 3 month period was for Amazon.com and Digital Wallet purchases. They said digital wallets included ******************* Pay, and a few others in the disclaimer. I made a purchase on **** on 10/15/22 using ****** Pay for it, but did not get the 5% cash back I should have. I called customer service and they would not honor it, stating that it's because of the way they processed the payment. Even after I pointed out the pending charge that went with it from ******, I was told to contact ****** to see if they could fix they way they processed the payment. I think it should still be honored because they knew I used ****** Pay to purchase the item. I want the correct amount of cash back for the purchase. I have no control over how they process a payment, when I used ****** Pay. I attached the order details that clearly says I used ****** Pay.Business Response
Date: 11/01/2022
Please see attached.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
They MISLED me into believing I was eligible for a HELOC of which being a LLC pass through, I would not be. By this, they did a hard credit check of which I passed, and then withdrew the application, affecting my credit score. I would like that check REVERSED!Business Response
Date: 11/08/2022
See attached response.Initial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Incorrect reporting on the credit bureaus. Which is fraud committed by Discover. Remove this account from Equifax,Transunion and Experian or pay **** per violation I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure *********** only report 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.Discover acct # *******************Business Response
Date: 11/11/2022
AttachedBusiness Response
Date: 11/21/2022
AttachedInitial Complaint
Date:10/17/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I applied to get a Discover secure credit card. When I was approved I was very excited because I am working on my credit and this is a secure card and what I thought was a good one. After verification by phone with the agent, I was issued the card all I had to do was make a deposit up to **** to start my card. I made a **** deposit. I received my card and used it. After I used it I paid almost all the balance off to make sure my credit utilization was low for my credit utilization. After I paid the bill *** card was frozen and I was told I needed to do a *** verification. This verification has now been over 30 days. *** last excuse was hurricane *** has some of the *** offline. My issue here is this is not me getting credit issued to me from Discover it is me putting up my own money to build me credit. Now mid stream I am told the card is locked. Everyday I login and look at my available balance that I can't use. I recently had my wallet stolen and the only card that was not in my wallet was the discover card. I was out of town and couldn't even use that card I had nothing. This practice is misleading. Advise this information up front if you want that say you want that up front. How can I build my credit if I can't use the card. ***n I asked if I close the card what will happen. I was told it could be up to 2 months before I get my deposit back. ***n I asked them what happens if the verification does not come back or is not what is need etc will Discover close the account. I was told yes and I would have to wait until it is processed which could take up to 2 months. I was told initially that the verification wouldn't take more than 2 weeks when I asked if it could take months the rep assured me no it would not. Discover is holding people hostage that are trying to build there credit. As well as holding the money hostage because they have my cash. I am considering seeking legal action because this is not a situation where they are giving me anything.Business Response
Date: 10/25/2022
Please see attached.
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