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
- 3,154 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:09/23/2022
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.
The people at discover are extremely rude. I did a dispute so i was trying to upload evidence. They told me they didn't care snd it is not relevant. That is false because it showed that they promised my refund in which they never gave.i hate that i ever did business with Discover because they are not on the customers side at all.
Business Response
Date: 10/12/2022
Please see attached.Customer Answer
Date: 10/13/2022
Complaint: 18117989
I am rejecting this response because they are lying and make absolutely no sense. They refused to help me, and theybare allowing companies to take money that aren't owed to them. They are lazy and don't like to do real work.
************************************************Business Response
Date: 10/17/2022
Please see attached.Customer Answer
Date: 10/20/2022
Complaint: 18117989
I am rejecting this response because:the business is a scam and they are lying. I am going to have to take them to small claims court. They have NOT tried to resolve it, and told me that they didn't care that i was owed a refund. The dude told me i was thr wrong color for them to help.
************************************************Initial Complaint
Date:09/22/2022
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.
I initially had five student loans with Discover. On June 24, 2022, I refinanced with ************** I noticed within a week that only one of my loans had been paid off, and the remaining balance was still on the account. Despite this, the full loan was being paid off exclusively with ************** At this point I initiated contact with Discover. They informed me that they only had the one payment on file. I then initiated contact with Citizens. Citizens confirmed that they had sent five checks, but only one had been cashed. After several phonecalls over a period of weeks, it was determined that Discover simply lost the four checks (totalling over $80,000). Discover did not admit to this, they were fully unhelpful in finding the payments or resolving the problem, instead sending me constant collection calls and emails. Since they had not been cashed, I elected to have Citizens cancel and resend the checks. These checks were overnighted to Discover (after confirming the address) on August 23, 2022. Out of the four checks, three were applied to my account. There was a remaining balance on my account of over $28,000. I once again began the process of finding the payment. Citizens was able to confirm that all checks were cashed. I sent information on every single check (pictures of front and back, numbers, amounts) to Discover. The issue has still not been resolved, and I am still recieving numerous collection calls. The money has apparently disappeared, despite the check being cashed. I am getting no information from Discover at all, just people calling me to try and get me to pay them money that they already have.Business Response
Date: 10/11/2022
Please see attachedCustomer Answer
Date: 10/12/2022
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:09/22/2022
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 checked my credit report and noticed I had late payments from Discover Bank . At the time, I was transitioning between jobs and going through an economic hardship. As you can see, I have made most of my payments on time so I am asking in goodwill faith for this one time to please remove these late payments from my account. I am trying to increase my score to qualify for a mortgage and I would greatly appreciate if you guys would forgive the late payments.Business Response
Date: 10/04/2022
Please see attached.Initial Complaint
Date:09/22/2022
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 claims that they 100% will not have their customer liable for fraudulent charges but did not help me sufficiently during my case where a business is fraudulently not refunding my money and saying that Discover wont accept the refund. I have tried contacting customer care and they are rude to meBusiness Response
Date: 10/06/2022
Please see attached.Initial Complaint
Date:09/22/2022
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.
Hi, I am attempting to resolve an error where Discover is violating the law, nor are they practicing good business principles and they have not protected me by standing on their $0 Fraud Liability Guarantee They are in violation of the Fair Credit Billing Act. I have called Discover fraud department (in April) regarding a fraudulent charge of $400 from a Square transaction on April 6th, they closed my account and issued me a new card. On May 4-5th I called them back advising it was NOT fraud and I allowed a family member to use it. ( ERROR ON MY END) When I discovered the error on June 8th as my other credit card company and family member confirmed it was *********** card used not Discover, I immediately called discover back to advised know it was an erorr on my end and to re open the original dispute as the initial charges still stands and it was indeed fraudulent from the beginning.I was dealing with several family member deaths and my mind wasn't in a sound place as I was mourning my loss with my family/ loved ones. I have called 4 months in a row on this matter and I am beyond exhausted on getting this resolved. Discover has not provided me any Legal written documentation or proof providing I have did business with this company and they refuse to issue me back the $400 charge. Per the recorded calls they don't even have a phone number or proper documentation/ proof to give me to call to contact this company about the charge, this is not a fair business practice I hope we can get this handled collectively here. I am seeing the $400 to be credited back to my account. This is exhausting and it is causing me so much stress/ time and extra charges on my account. Thank you for your attention on this matter.Business Response
Date: 09/28/2022
AttachedCustomer Answer
Date: 09/30/2022
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:09/22/2022
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.
I have opened checking and savings account with Discover bank recently. Discover decided to close both the accounts without notice. When I called customer service they promised me to the issue a check in 60 days, I haven't received one its been more than 60 days now. When I called discover after 60 days to enquire about the check, they are now saying they can not issue me a check and asked me to contact my financial institution where the money is originated from to revert the money back, I did contact original institution to enquire about this and they confirmed that there is no such way to revert the money as it is an ACH Initiated by Discover and it was already deposited long back in to discover. Please help me resolve the situation.Customer Answer
Date: 09/23/2022
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:09/22/2022
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 was fraudently charged by a business after I canceled the recurring charge Discover will not reverse the charge even tho I have the documentationBusiness Response
Date: 10/13/2022
Please see attachedInitial Complaint
Date:09/22/2022
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.
I am a customer of ********************************************* Service and have two online savings accounts at Discover. There is a system issue but so far, I have been getting the runaround.Issue - Statements are issued inconsistently. On one of the accounts, I have been getting statements in Feb 2022, Mar 2022, *** 2022 and June 2022. This is as of 9/22/2022. All I am trying to find out is, how come I don't get a statement every month, and when can get I my statement?1st attempt - Talked to a representative, telling me this is quarterly statement. Then he/she couldn't explain why I get *** and June statement, so make up something like "statement will generate if you receive the interest". Then I asked "I have been getting interest every month, how come I don't get statements every month"...then I asked to be transferred to a supervisor.2nd attempt - Talked to a Supervisor name *******. Gave me the same thing but ended up realize that his explanation is not rational, so he tried to contact a "higher up" and said will get back to me. That didn't work, I waited 3 days and no call no contact so far.3rd attempt - I sent a secure e-mail after login to discover.com with the same question. All I am getting is "Your issue has been addressed"....I need someone to give me a call with logical/rational explanation, not just fluff. Yes, I understand my option is to take all my money out as Discover won't miss my ***** change, but I would hope a online bank at this size can do things right.Business Response
Date: 09/26/2022
Please see attachedCustomer Answer
Date: 09/27/2022
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:09/21/2022
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 September 10th I messaged Discover Card on my online account telling them I needed to inquire about closing my account because the interest rate was too high. No one replied to my message so I called an agent over the phone to talk in person. The phone agent talked me out of closing my account and lowered my interest rate. I was told to call back in another 6 months to inquire about a further reduction. Yesterday, I logged into my account and found out my account had been closed. It was closed without my confirmation or permission. An agent on messaging started replying after I had already talked to the phone agent and resolved my issue. The messaging agent was writing messages without getting any replies or confirmations and I wasn't even logged into my account at the time. The agent who was writing without my replying was Salt Lake based with the name of ******. An agent based out of ******* by the name of ****** closed the account without my permission or confirmation. Like I said, it was closed online AFTER I had already resolved my issue with the phone agent. I messaged with a supervisor by the name of ****** based in *******, *******. My account was in "review" for over a day and a half and then they refused to provide a resolution for all the mistakes made on their end. It is my opinion that this was a ploy to keep my interest rate high.Business Response
Date: 10/14/2022
Please see attached.Initial Complaint
Date:09/20/2022
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 sent communication many emails to Discover to attempt to resolve the Debt on Discover credit card ending in **** However, it seems that Discover have Not made a good faith effort to help me. I am currently suffering from Physical medical conditions and this Discover credit card debt is adding to my stress, that leading to my physical health rapidly declining.As part of this settlement agreement between myself and Discover credit card company , any and all of the forgiven dollar amount by Discover credit card company in this settlement for account ending in **** will remain forgiven by Discover credit card company , and remain the property of myself even in the event of any and all of the following event(s). At least one merchant refunds or returns some or all of the charged transaction dollar amount on or after September 20 , ************************************************************************************************************** after September 20 , ********************************************************************************************************* after September 20 , 2022 .My sister died from cancer on February 24 , 2022 at the age of 39 , and I am currently suffering from Physical medical conditions that consist of the following Physical medical conditions: Morbidly obesity , high blood pressure and chronic low back pain.Discover and BBB please help resolve this matter. Thank youBusiness Response
Date: 10/14/2022
Please see attached.
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