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

  P.O. Box 15874 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 1011 Greenwood, DE 19950

• 

  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:10/16/2022

  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've been having issues with Discover bank from past year November 2021. I had a lot of unauthorized activities on my account and so I've been back and forth with them. They kept changing my account and sending me new cards. Fast forward to this year I stopped using the account because I was left with a balance of 17k to repay all on my own after they made a case and closed the case on March 13, 2022. Anyhow being the person that I am I don't like owing bills before all thus I never missed a payment. I called discover to make a settlement because my aunt offer to ******* $7, 500 a one time settlement. I called discover and they told me they can only settle to 60% of the now amount I am owing $20,000 (because of interests and late fees). This settlement was to last until September 30. They told me they can't remove them unless I can call billing and report the previous fraud charges. They transferred me. When they do the agent told me she was gonna investigate within 24 to 48hrs because there was an unauthorized payment that was bounced back on the account for 10k earlier in the year. Anyhow. I waited for almost two days to check back my account when I checked I now owed. 35k this agent added extra ****** on my account because basically discoverbank now charing me twice for the same charges that were already returned to my a/c I called the next day and spome to ******** from Fruad and she corrected it somewhat howeverthe way she did it the system was now saying that I've made a payment which brought my a/c current. This caused the system to say I'm no longer qualified for a settlement. This is unfair to me because I called discover everyday after that for them to fix the issues and they kept hanging up on me, transferring calls and also kept adding and removing funds from the ac to fix what the first lady did. Until September 30th passed then they gonna tell me the date pass for me to even make a request to have a settlement but I called everyday from Sept 19.

  

  Business Response

  Date: 10/19/2022

  Attached

• Initial Complaint

  Date:10/15/2022

  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 DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT

  

  Business Response

  Date: 11/09/2022

  Please see attached.

• Initial Complaint

  Date:10/15/2022

  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.

  Opened up my acct in late Jan 2022. for the sole purpose of using Zelle! I signed up for Zelle on Feb 2022. But did not actually made any tranx. until 03/26/22 and 08/2022. However, all of a sudden I can no longer access my Zelle acct thru Discover bc apparently, Discover had decided to block any customers who signed up after 03/01/22. However, Discover NEVER sent me any notices or disclosure of discontinuing Zelle services. It wasn't until last month or so that I tried to use Zelle and found out that my acct w/Zelle thru Discover is no longer available. Discover admitted blocking my acct but refused to unblock it bc in their system it showed my enrollment was after 03/01/22. But this is not the case as I explained to them that my 1st tranx. was done AFTER 03/01. But I had signed up with the service on 02/08/22. No where in there disclosure and service agreements and addendum stated anything about how making a 1st tranx after March 1 would be considered as the date of enrollment!. Even according to Discover web states:"Generally, to enroll with *****, you must: Own at least one Eligible Acct." OBVIOUSLY i met this qualifications upon signing/opening up for Discover acct. Zelle is one of the feature services that Discover offers. So on 2/8 upon depositing $1500 to my new Discover acct, I set up my Zelle acct. Accordingly: "If you have already enrolled with *****, you do not need to take any further action. The money will move directly into your bank account, typically within minutes." WHICH IS EXACTLY WHAT I DID ON 03/26. WAS NOTHING! More importantly, on Discover, it also states the following: "If YOU WERE ENROLLED PRIOR to March 1, 2022, to get started, log into the ************** online or via the mobile app. Choose "Send Money with *****" from the Transfers menu, FOLLOW the ENROLLMENT PROMPTS, and ACCEPT THE ******************** So why cut me off from the services W/OUT ANY NOTICES

  

  Business Response

  Date: 11/02/2022

  Please see attached

• Initial Complaint

  Date:10/14/2022

  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.

  In August 2022, I completed a balance transfer request online for $2000 to Apple Card. (******* *****). Upon reviewing my request, I noticed the account number was entered wrong. I contacted ********************** immediately and was told that it was too late and that the payment was already sent. I contacted Apple Card immediately. They had not received the payment and had no record of the payment. Since then, I have contacted both Apple and Discover to try to resolve the issue and find the money. Apple has not received a $2000 payment for the account number I entered. I called Apple Card to give them permission to talk to Discover. Discover says Apple won't talk to them. Apple says they haven't called. I have requested proof of payment from Discover three times and they have not sent it. Apple Card has said they can find the money if they have any traceable information, but I can't give them any of this information without proof of payment. Discover has dismissed my dispute saying the check was cashed, but cannot provide a copy of it.

  

  Business Response

  Date: 11/01/2022

  Please see attached.

• Initial Complaint

  Date:10/14/2022

  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.

  On August 15, 2022 I requested a refund from a fraudulent company because i needed to cancel my trip due to a recent illness. I called the company who I booked my trip through, Traveluro, and they agreed to issue me a refund and sent me a receipt of $438.00 being refunded to my account. The refund was supposed to be issued within he next 10 business days. On September 6, 2022, they sent me anoher email telling me that "its a short matter of time for it to be reflected back to your account." (documentation below) However, it was never refunded, when I tried to contact Traveluro again, they put me on hold for one hour and then hung up. It was at this time I realized I was dealing with a fraudulent company, so I contacted Discover Bank to file a claim. I also sent Discover the supporting documents which revealed that Traveluro was going to refund the $438.00. When Discover Bank did their investigation , ********* then went on and said that it was a nonrefundable transaction which contradicts what they previously told me, proving further that this company is fraudulent. I would like Discover to refund me my money, I have been a valued customer to them since 2018, I would hate to have to terminate our relationship over this.

  

  Business Response

  Date: 10/14/2022

  Please see attachment

• Initial Complaint

  Date:10/13/2022

  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 am writing to inform you that there is 100% improper use of the credit report. Attached to my SSN! DISCOVER, HAVE ****% VIOLATED THE ***** AND IM HIGHLY ****** ABOUT THIS. I looked over the credit report and found information that appear incorrect. Not only did I find name, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed NINE DOCUMENTS, documentation providing proof of my current address ******************* Letter/Bill, social security card, ************************ ******************* "Full Faith and ******** ********* The Secretary Of Commonwealth sign sworn by oath Acting Secretary of the Commonwealth, Certification Statement Common Wealth Of Pennsylvania ********* The Secretary Of Health, passport, Certification of Birth, debit card and Insurance Card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the ***** ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the DISCOVER, credit report isn't accurate AND ITS COMPLETE ********. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE DISCOVER,, $1,000 PER VIOLATION (and there are many violations). I DEMAND YOU, DISCOVER, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN: POTENTIAL LAWSUIT

  

  Business Response

  Date: 10/14/2022

  Please see attached.

• Initial Complaint

  Date:10/13/2022

  Type:Customer Service 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 92 year old mom with dementia had her account with Discover bank closed. Mom does not know what happened to the money. I am DPOA over finances and been sending documents since April (told complete, then missing items). Somehow, other banks have added me on (to be able to do taxes with moms accountant), yet Discover bank wont give me information regarding where the money was sent (in 92 year old with dementia who does not know her own birthday). Information has been sufficient to get info on multiple other bank accounts, yet Discover bank is sending me around in circles for months and not helping me. Not sure if a hacker webbed my mom, or where my moms money went.

  

  Business Response

  Date: 11/07/2022

  Please see attached

  Customer Answer

  Date: 11/08/2022

   
  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:10/13/2022

  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.

  I have been using Discover credit card for years and it is awesome, until I used their balance transfer. When I received a statement with interest charge, I was surprised because it never happened to me and I never expected them. I contacted their customer service and asked whether I could avoid the interest charge in future. Actually I contacted them 3 times, every time I got a different answer and none of them works. I am still charged interest. It seems no way to resolve this problem for **** wish they could give me the right answer and refund me the interest charge caused by their misleading info

  

  Business Response

  Date: 10/19/2022

  Please see attached 

  Customer Answer

  Date: 10/21/2022

   
  Complaint: 18207018
  
  I am rejecting this response because: I am not complaining the interest charge since I know they are valid. My complaint is your customer service representative gave me wrong answers for 3 times, misleading me to continue using the credit card. You response is reasonable, but didn't resolve my issue. The resolution could be:

  How do you plan to improve your customer service quality? How do you compensate the cost caused by the wrong answers?
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:10/12/2022

  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.

  My complaint is in regards to Discovers payment process. A few months ago, I had a balance on my Discover card and then took advantage of their 0% 12-month balance transfer offer. For several months now Ive made payments of over $200 to my Discover card balance. Rather then applying my payment to my old balance, I was told by customer service that only the minimum payment due amount goes to my old balance. Then the remaining amount goes to the newest transaction, which unfortunately is the 0% interest amount. Im being charged over $11 a month in interest on the old balance as its barely being reduced. I contacted Discover customer service to ask that my payment be used first on my old balance, which is accruing *****% interest, and was told this wasnt allowed. At this rate, its almost impossible to bring my old balance down without just paying off my entire account balances, which I cannot afford to do at this time. I know this is in fact possible to apply payments to old balances first , as I have a Care Credit card for medical expenses, and have 3 different transactions, and my monthly payment goes to reduce the oldest charges first. Could you help me with this?*********************

  

  Business Response

  Date: 10/17/2022

  Please see attached 

  Customer Answer

  Date: 10/27/2022

   
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  Hello.  I received a call from Discover regarding my complaint.  I was pretty much told that yes, I had a good argument and was right about the way my payments are wrongly going to the 0% balance first, but I was also told that is their policy.  I cannot request that my payment be applied first to my previous balance with the highest interest rate, according to their representative. 
  
      I will be closing my Discover account at some point to use a credit card that will fairly apply my payments to the highest interest balance first.  I am able to do that with my Care Credit card for 3 different medical balances.  My payments go to the highest and oldest balance first, as I was trying to ask Discover to do. 
  
      If you need to put a final report for me that will go to Discover, you can put that I stated my complaint was not resolved and I am not satisfied with their reply. 
  
  Thank you,
  *********************
  
  This e-mail is to notify you that you currently have a new message with BBB in regards to complaint #********.
  
  Please click on the link below to access BBB's *************************** System to read this message.
  
  *********************

• Initial Complaint

  Date:10/12/2022

  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'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the ***** and must be deleted immediately because those are serious violations and I could be compensated for them.

  

  Business Response

  Date: 10/31/2022

  Attached