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 15158 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15183 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:09/28/2022

  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.

  ***** ordered a Women's Puffer Heated Jacket, March 15, 2022 order # ***-6699189-8357835 Tracking 1Z852A710365487375 on Discover card ending in **** and was charged $237.83 on my Amazon acct. ************************************. The jacket didn't fit, was sent back to GOBI HEAT Returned on 4-5-22 in ****** ** and they received it on 4-15-22 at 10:09am tracking #: 1Z 9X7 06Y 03 **** ****. Discover refunded ******* acct of $237.83. On 8-23-22 ***** received a letter from Discover that the temporary credit has been reversed and the investigation closed. So now ***** has a charge of $237.83 on his charge card ending in**** and no jacket. We contacted Discover several times by phone and faxed them (copies from Amazon's respondse) on **** (****** returned and refunded to customer), 9-1 and 9-2 , **** called and ********************** wants Amazon to specify where the refund went, needs to be more specific, that is what the faxes are with information they wanted from Amazon, Discover would not except this information. Amazon says they made the refund and to contact 3rd party GOBI HEAT, ********* says they have nothing to do with this, contact Amazon. Contacted Amazon via e-mail 9-5, 9-6, 9-9, **** (they say it's been resolved, contact bank). Discover said it didn't post. This has been a real mess! Please help? Thank you, I have all the documents I stated but I don't know how to upload them.

  

  Business Response

  Date: 10/06/2022

  Attached

  Customer Answer

  Date: 10/07/2022

   
  Complaint: 18131618
  
  I am rejecting this response because: Discover will not except Amazon's form of refund, the say they need an account to attach it to with numbers verifying it was refunded to the account ending in ****, plus now Discover says Amazon didn't receive the jacket.  Well that is not correct because I have proof of it being returned. Amazon says this case is resolved.  So ***** does not have the jacket and Discover is charging him the $237.83.
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 10/11/2022

  Attached

  Customer Answer

  Date: 10/17/2022

   
  Complaint: 18131618
  
  I am rejecting this response because: This letter is just saying what the previous one did, Discover said as we discussed by phone, they provided me with a response, I DID NOT accept it, she was actually rude and said as far as they are concerned it's been resolved!  It's not,  Amazon  sent me an e-mail confirming refund on Friday, April 15, 2022  Order Item ID **************, amount of credit $237.83, account number going to: credit card (original payment method) Credit going to: Credit card (original payment method). Discover will not except this. I do not have the jacked and or the refund.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:09/28/2022

  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 received a solicitation call. I asked to be removed from the list. The person said he couldn't do that. I asked why and he said it wasn't a solicitation. But then said I was eligible for a new credit card. I again asked to be removed from the list and he asked for a reason why. I told him I didn't ask for the call and don't need a credit card. I again asked him to remove me from the list and told him it was the third time I asked. He said he couldn't and would not remove me. I told him I was reporting him and hung up. I then got 5 calls back to back from different numbers. The last 3 were from Discover Card directly.First call: *************************: ************ from ************, ** Next call: ************ from *******, ** Next call: ******************* ************ from *************, ** Next 3 calls: Discover Card ************

  

  Business Response

  Date: 10/25/2022

  Attached

• Initial Complaint

  Date:09/28/2022

  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 AM NOT FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH DISCOVER BANK PLUS THEY DO NOT PROVIDE THE ORIGINAL APPLICATION LIKED I ASKED

  

  Business Response

  Date: 10/17/2022

  Please see attached.

• Initial Complaint

  Date:09/28/2022

  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.

  Discover Card is in direct violation of Consumer Law:15 *********** Definitions; rules of construction;(d)(b)(2) Exclusions.Except as provided in paragraph (3), the term consumer report does not includeDefinition of 15 U.S.C **** Definitions and rules of construction(L) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.A similar device was used for extension of credit with Discover Card, which was my "social security card".So according to the law above, "consumer reports do NOT include" this information to be furnished on reporting to any credit agencies.15 *********** Permissible purposes of consumer reports;********************* ****** disclosure, Truth in Lending and Opt out disclosures.I was never given any disclosures to opt out having my information reported and Discover Card has no proof of record.

  

  Business Response

  Date: 10/04/2022

  Please see the attachment.

  Customer Answer

  Date: 10/04/2022

   
  Complaint: 18139792
  
  I am rejecting this response because:

  TransUnion just stated same thing they been saying with no results to satisfy me. I already explained MY rights and provided the CONSUMER LAW'S set my Congress to protect my rights. TransUnion can correct, delete and block the TRADE-LINE's companies "****** NOW, LLC., Discover Card and **** of ********************* we can go back to court, plain and simple. I am not going to walk away and NOT pur*** these complaint's. Tired of companies trying to get over and not abide by the laws, they THINK consumer's are not aware of, which protects our right's!

  TransUnion is an AGENCY, not a Bureau! I am a Consumer and demand my right's to be honored!

  I REPEAT:

  TransUnion is a 3rd party credit agency, which is not affiliated with "****** NOW, LLC, Discover Card or ************* On top of this, neither of these companies furnished me with any disclosures to OPT out having any information forwarded to any outside Agencies of NON PUBLIC information pertaining to myself.
  
  neither of these companies furnished me with any disclosures to OPT out, having any information forwarded to any outside Agencies of NON PUBLIC information pertaining to myself. Neither of these (3) companies provided me with: 
  "Truth in Lending disclosures, Opt out disclosures, ********************* ****** disclosures."
  
  Consumer Law to prove this below:
  >>>15 u.s.c 6802<<
  Obligations with respect to disclosures of personal information;
  b) Opt out
  (1) In general
  A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
  (A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party;
  (B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
  (C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
  ALSO
  >>>15 u.s.c ****a<<<
  Definitions; rules of construction;
  (2) Exclusions.Except as provided in paragraph (3), the term consumer report does not include
  (B) any authorization or approval of a specific extension of credit directly or indirectly by the is***r of a credit card or similar device;
  
  Which ignorance of the law is no excuse by TransUnion when it's public knowledge of these laws set fourth by Congress to protect me(Consumer).
  I have already provided the Consumer Laws each company has violated in my complaint and also provided documentation to TransUnion prior to BBB to correct on my consumer report.
  
  Utilization is an experience with the line of credit which was extended to myself(the Consumer) that each of these companies who made the REPORT to TransUnion. Congress clearly states "the transactions or experiences between the companies making the report above and the consumer(myself) is NOT included in a consumer report.
  
  I have already provided the Consumer Laws each company has violated in my complaint and also provided documentation to TransUnion prior to BBB to correct on my consumer report.
  
  My previous lawsuit 18 CV****** online Pacer portal will indicate TransUnion was at fault for similar violations before and they loss. Just like previous attempts I am trying to give TransUnion a chance to address my complaint's in the letter sent certified mail # **** **** **** **** **** to them AND to the attorney ***********************, Esq.(lead attorney for TransUnion).
  
  If my demand of "everything I addressed to TransUnion and TransUnion lead attorney ***********************, Esq. of  *************************************** is not corrected with deletion's and blocking the (3) Trade-lines so it does occur again in the future.
  
  I will be left with no other choice, but to file a new lawsuit and be represented in court to *** to the *** and not settle for LESS like in 2018.
  
  Also records show Sept 26 - Oct 1st 2022, a **** was placed on investigating my complaint and then REMOVED exact SAME DAY of making the notation on my consumer report. I was NOT provided with any direct "names or numbers of anyone @ either companies from TransUnion to VERIFY anything related to my dispute! Which "friend's, neighbors or associate's" did TransUnion contact??
  
  Lastly, consumer law >> 15 u.s.c ****a (e) The term investigative consumer report means;
  (e) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
  
  These laws are written and made public to protect consumer's. If you run a business then TransUnion and the (3) companies above should know Consumer Laws!
  

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

• Initial Complaint

  Date:09/27/2022

  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 a victom of check washing. My April check payment to Discover Card was stolen. I have a police report and a letter from my bank.Discover never informed me that they hadn't received my payment. They froze my credit that's how I found out, I have had a Discover Card since 2020. Have had a credit card since the 1970's. Discover card has continued to punish me even after I informed them of the check washing. I paid everything up. I owe them nothing. Infact they have a credit due me. This has been going on for months.They refuse to remove from my account the late payment note. They say it's company policy. I want it removed and to receive a letter to that affect stating it.

  

  Business Response

  Date: 10/21/2022

  Please see attached.

• Initial Complaint

  Date:09/27/2022

  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.

  I was traveling to ******* from ************* from Thursday, September 15 through Sunday, September 18. I used my Discover card at various restaurants and bars on 9/15 with no issues. On Friday, 9/16, I attempted to purchase a purse from ***************************** where my card got denied and thus, I was prompted to call the fraud department (which I greatly appreciated since the charge was for a large amount). I verified that it was me making the purchase, confirmed/verified my identity and confirmed that I was OK to use the card going forward after pushing the charge through. The representative assured me that I was OK to continue using my card going forward. The next store I went to, I attempted to purchase another bag (for a lesser amount than the previously purchased one), and I got denied again - twice. I called the fraud department again and they told me they needed to close my account down and issue me a new card with no explanation whatsoever (which didn't do me any good while I was traveling). To date, I have not received an explanation as to why my account was closed down on the spot, and would like to know why they needed to resort to that without having a supervisor assess the situation and review the charge to ultimately push it through. I'm mystified and would like answers. Goes without saying that I will never use this Discover card again!

  

  Business Response

  Date: 10/14/2022

  Please see attached customer response letter..

• Initial Complaint

  Date:09/27/2022

  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.

  Had my card lost last month, called into Discover twice to make sure it was taken care of. ***** were some fradulent charges, all of them the same type of charge. Discover did not take care of all charges, they left one even though they all were in the same time frame + looked very similar in a similar area. Discover left a $250 fradulent charge on the account. When I called back, they jerked me around for an hour or so transferring me from one department to another. As of now, I am not 100% if it has been taken care of or not. I am getting emails to make payment on a fraudulent charge that I had already reported. Discover recognizes the charge as fraud (I was told on the phone) but they continue to be incompetent. I have closed my account with Discover.

  

  Business Response

  Date: 10/05/2022

  Please see attachment

• Initial Complaint

  Date:09/26/2022

  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.

  On August 8, 2022, I attempted to upload my military documents on Discover's website as instructed by a live representative and was not able to due to system issues. I'd attempted at least 3 more times in a course of 3 days before I reached out to Discover chat to advise of the upload issues I was having with system. To date, my orders have not been received and my account is reporting negatively while I'm away. I have minimal access to communication and can't attend to this matter as a normal civilian. At this point, I'm extremely unhappy with how my account is being handled and my being in the military is no care or concern. Since Discover is neglecting me, I've uploaded my military orders here.

  

  Business Response

  Date: 10/06/2022

  Attached

• Initial Complaint

  Date:09/26/2022

  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.

  I have attempted to have Discover resolve the issue with the credit reporting agencies. They state they assure me they are reporting correctly to the credit bureaus, they are not. No credit agency shows I have a Discover card or the on time payments Ive made. Discover is also falsely reporting my wife having a credit utilization of 67%. Multiple agents state they are issuing an out of cycle update which never actually occurs. This is preventing my credit from rising properly as it should and my wifes as well.

  

  Business Response

  Date: 10/03/2022

  Please see attached

• Initial Complaint

  Date:09/26/2022

  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.

  Back in late 2021 my business credit card was canceled after I changed the name of my business on the card. The employee didn't tell me that would affect my account and so my card was canceled. Fast forward 6 months and all of sudden after being a customer since 2014 my PERSONAL CREDIT card was canceled! I called immediately and was told since my business card was canceled, that my personal card is automatically canceled too. After speaking with reps higher up, I was told there was a system error and that other customers were affected as well. That was in June 2022. It's now September and the rep is now telling me that my account will remain closed even though it was THEIR MISTAKE that my card was closed to begin with. I would have to reapply and take a hit on my credit if I want to join Discover again.

  

  Business Response

  Date: 10/26/2022

  Please see attached