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
- 3,149 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:10/08/2022
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 credit card gave me a bogus PO Box and refuses to remove a seven year old collection on a closed account from my credit report nor have they responded to any of my numerous letters. I demand that they figure out which location this bogus address on my on my official credit report belongs to and remove this seven year old collection that is too old to be on my credit report DISCOVER BANK ********************************************** **************
Business Response
Date: 11/02/2022
Please see attached.Initial Complaint
Date:10/08/2022
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.
Called Discover on 10/04/22 around 1 pm CST and set up two accounts Money Market and an ************** with ************************* agent based in ****. Went through all disclosures. Few hours pass by and I have trouble setting up online access. Called Discover back around 5 pm CST on 10/04 and spoke with ******* - supervisor **** ******, ** CEG as well as *****, Manager **** of deposit products. Found out two things - Firstly, information used to set up account was incorrect including DOB and security question. Secondly, only savings account was opened and NOT Money Market. This level of incompetence was frankly quite shocking so proceeded to close my account opened up as I realized I could not trust Discover with my money. Closed account on that same phone call. Total time spent on phone was over 3 hours. To my shock, I see a transaction the following day of $36,774 pulled despite being assured that all accounts @ Discover were closed. Funds were erroneously pulled into a closed account. To this day funds are not returned despite numerous calls. This is theft and incompetence. Resolution desired - 1. Returned all finds back to my external account that should never have been pulled in the first place. 2. Reimburse me for interest (currently over **** percent is what I would have earned) as you are sitting on a substantially large sum of money up until the day it is returned. 3. Train your staff better so they don't make these mistakes again.Business Response
Date: 10/25/2022
Please see attachedCustomer Answer
Date: 10/26/2022
Complaint: 18186067
I am rejecting this response because:Still waiting on a resolution. Was advised I will be receiving a check for interest but still not received.
Sincerely,
***********************Business Response
Date: 10/31/2022
Please see attachedInitial Complaint
Date:10/08/2022
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.
Emailed ******************************************* 5/27(pdf). Discover promised ****************************** I wrote 6/17 letter(pdf) & called "******" when I got no response. If Discover listens to call, they will hear ****** say *********** charge was "zeroed out ******************** rewards". He suggested I could dispute charge; however, since he said charge was "zeroed out", under Federal Regs, how could I dispute a PAID charge that I was NOT a party to the Contract transaction & have NO details? At NO POINT was I informed Discover was still claiming a balance so I considered issue resolved in June.Context: Recently, I had 3 Discover accts. My 85 year old mother has used 1 account satisfactorily for 20+ years after her divorce. Discover always sent 'her' acct statement to her address(pdf).Unfortunately, her health declined significantly since Fall 2021. She has severe spine issues, difficulty walking & multiple falls. She contracted COVID when she moved to assisted living & was actively sick for weeks. My mom QUARANTINED in her apartment without access to US mail in their clubhouse. Her daily meal was delivered and she was still experiencing painful, spine complications. During health issues & quarantine, a merchant dispute w/health club occurred. Her dues were supposed to be on "hold" since summer 2021 health issues. She attempted to resolve dispute directly w/health club but eventually paid them 1 month fee, thru Discover, under protest to resolve issue in full. Contract ended when she moved too far away.Discover has TRASHED my credit score(pdf), is reporting me as ********************** me to Collections! I hope BBB can assist in getting Discover to remove their *************** and delinquent indicators. I refuse to pay those on principle. I'm hoping someone BESIDES "******" will resolved to my satisfaction. If not, I intend to file a Formal Complaint w/CFPB listing each FCRA Violation by Discover Card and their failure to correct.Thanks for your assistance!Business Response
Date: 10/17/2022
Please see attachedInitial Complaint
Date:10/07/2022
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.
On 8/26/22 Discover emailed certain customers stating ***** can no longer be used with Discover for specific accts opened after March 1st 2022. Since this email, customer phone numbers that were enrolled with Zelle through Discover have become black listed and can no longer be used to enroll with Zelle through any other bank or through the Zelle app itself. Discover has not provided an explanation as to why this happened and customer service reps are unable to answer any questions regarding this issue.Zelle customer service is unable to provide an explanation and refer you back ti Discover since the phone number was enrolled through Discover. The only explanation Ive received from Zelle is that the issue is on Discovers end and that they need to implement a fix.Business Response
Date: 10/24/2022
Please see attached.Initial Complaint
Date:10/07/2022
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 requested for my *** transcript back in July or early August/2022. I recv'd a letter from the *** advising me that they were requesting my transcript. When I spoke with someone at the *** I was advised they will not send them the transcript because I have a fraud flag on my account. Therefore they have to send the transcript to me. I have recv'd the transcript. I called Discover at least 4 times to advise them of what the *** told me. All I keep being told is its still in process and to wait to hear from Discover. I have told them again multiple times that the *** is not going to respond or send them anything. Asked if I could send them transcript that they were requesting for advised was no. They put a hold on my account for this reason. I was not even notified ahead of time they were putting a hold on my account. I have never had to deal with this with any credit card company and I am not all pleased with Discover credit card.Business Response
Date: 11/02/2022
Please see attached.Initial Complaint
Date:10/07/2022
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 $565.00 Account Number ************Business Response
Date: 11/02/2022
Please see attachedInitial Complaint
Date:10/06/2022
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.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C I am a real person not a third party service. ThanksBusiness Response
Date: 11/04/2022
Please see attachedInitial Complaint
Date:10/06/2022
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 used a balance transfer offer on my Discover credit card with 0% APR.Then I made purchases throughout the statement period, but made payments over the amount of purchases and minimun payment due. However, Discover credit card charged interest charges on my new purchases.They charged interest on balances that I paid in full by the end of the month. When I spoke with a representative on October 6 at 11:30AM ET, she said that they apply payments to the minimun payment due first and then proceed to higher interest amounts. Discover should apply interest to highest APR first.I want a refund on all interest charged.Business Response
Date: 10/17/2022
Please see attached.Initial Complaint
Date:10/05/2022
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 PAID OFF DICOVER CARD AND NOW THEY SENT ME A BILL $491.92 I OWE THEM NOTHING THEY NEED TO ADJUST THIS BILLBusiness Response
Date: 10/14/2022
Please see attached.Initial Complaint
Date:10/04/2022
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.
BBB, On July 5th, 2022 my car left me stranded with a dead battery. I purchased a battery with my "Discover It Miles ***** from Autozone in the amount of $249.77. I scheduled the $249.77 to be paid shortly after. On July 12th, in my USAA checking account I had $250.81 ready to cover the payment, but I had forgotten about a subscription that was to be paid in that same timeframe. The subscription deducted $16 dollars from my account leaving me with insufficient funds for when the payment of $249.77 to Discover was to be made. I did not have the money available for the payment however Discover credited me for the amount regardless. Since I knew Discover did not actually receive the amount, I resent the payment on July 18th, 2022. This is the payment showing on my USAA Checking statement as the one that cleared the account. However I was unaware that when a payment is missed the credit card company will retry the payment at a later date. Discover retried the payment on July 19th, 2022 unsuccessfully because I had already taken care of it and the $249.77 left my account on the 18th. Because of their unsuccessful retry they still show me as owing them $249.77. When I noticed the credit adjusted back onto my Discover account I called Discover to explain the confusion. They stand by their policy and tell me that because two payments were supposed to be made and only one was received I still owe them the amount. I have been on the phone with Discover for hours even merging the call with a USAA checking representative and all I have been able to get from them is a reimbursement as "REVERSE RETURNED PAYMENT CHECK CHARGE" in the amount of $29.I have had no help from Discover supervisors, I was lied to and told I was speaking to a supervisor named "*****" who was not, and lied about resolving everything. As well as **** who refused to give me contact number for someone above him, stating that he is the highest in the chain of command. Please contact for any info VR,EBBusiness Response
Date: 10/11/2022
Please see attachmentCustomer Answer
Date: 10/18/2022
Complaint: 18169179
I am rejecting this response because there was no effort actually made to understand the issue or resolve it. I understand how the system of credits and debits works and am know aware of how Discover will retry payments that were missed, however I don't believe this misunderstanding should result in me having to make a duplicate payment. I refuse to pay the same amount twice when it is easily understood the reasoning and series of events that led to that "payment adjustment" in the first place. It is within this corporations power to make the necessary changes and their handling of this dispute thus far is abhorrent and greatly discourages me from maintaining my account open any longer. I have always maintained my account in great standing, never missed a payment, so it is absurd that the one time I have an issue and I have to take it past the customer service representative, past the supervisor, even past the executive level and there is still no empathy or care for their customers. This is why I am rejecting the response and will be pursuing further options with the Better Business Bureau.
Sincerely,
*****************************Business Response
Date: 10/23/2022
Please see attachment.
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