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

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 1011 Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15163 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15192 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:09/19/2022

  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.

  The bankers participate in deceptive practices to get your business. In June 2022, I completed an initial application for a home equity loan with Discover. I intentionally selected Discover, due to what I thought was the company's solid reputation. A banker immediately called me and reviewed the criteria. One requirement was a certain amount of liquid assets. I told the banker, I didn't have quite that much in my individual account, but would meet the required amount if I also utilized a joint account I had. The banker said that as long as I had full access to those funds and the other person on the account authorized it, I would be fine. I completed the lengthy application process, uploaded all required documents, and refrained from applying for any other loan/credit card, as per Discover's requirements. Nearly two months later, I received a rejection for not possessing the liquid assets required in my individual account. Moreover, unlike the messaging from the many employees with whom I spoke, I was not offered a reduced loan or other alternative. During the nearly 8 weeks of the loan processing, interest rates have dramatically risen and my opportunities for getting a home equity loan at a decent rate have plunged. I held off other options due to the messaging from Discover and to meet their required guidelines. If the banker had said that I would not meet the criteria in the initial call, I would have been able to pursue a home equity loan at another bank at rates far better than the current rates.

  

  Business Response

  Date: 09/29/2022

  Please see attached

• Initial Complaint

  Date:09/19/2022

  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 cannot use my phone number, that is perfectly ************* to receive codes from the company, to verify my account and use my card. I keep getting declined for purchases because the company keeps declining it. I paid my debt to the card and still have issues. I got successfully verified by answering questions twice, but now even that option was removed. They keep harassing me with texts saying I have to call to verify. This has happened twice already and I did and was made to keep saying my name and keep "verifying" with a cell phone number. I added a second cell phone number to my account while talking to a customer service rep. *** still, he couldn't use that number to verify me. I just wanted to book a reservation for a place to stay. I want to close my account and pay off the little debt left. *** they won't let me because they can't "verify". They can't even use my email address to send codes or anything. They just leave me with no options at all. I want them to close my account. That's it. I don't want to deal with Discover anymore.

  

  Business Response

  Date: 10/04/2022

  Please see attachment.

• Initial Complaint

  Date:09/19/2022

  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.

  After years of interacting with this company, they entered my checking account without permission and extracted $207.60 stating it was DirectPay to my account. The moment they notified me of receipt of payment I called and asked what payment? They said I supposedly had given permission to do this. I said, never have and never would. She then said let me check, and returned and said I cannot find where permission had been given. I demanded the transaction be halted immediately. Oh my she said, let me see how to get your funds returned. Elevated me to the next level representative, who spent another 25 minutes searching and then said, oh I found it. I said found what? Oh it looks like you gave us permission during 2018. I literally lost it and said no way. Ive never done that with any of my accounts and why if youve never have done a direct pay prior to today 2022, why would you do that? I was at the pharmacy about to pickup my husbands medication and had to walk away. At that point she asked does that sound familiar and I said absolutely not!! She escalated it to another level to which I was told the matter had to be investigated. Today, I received a call stating my refund was DENIED BECAUSE THEY HAD A VOICE RECORDING FROM 2020 AUTHORIZING DIRECT PAY. I said theres no way you do and no way in the midst of a pandemic I would do that. I said, I want to hear this recording of me giving authorization. I WAS TOLD THAT WAS IMPOSSIBLE AND THERE WAS NO WAY I CAN HEAR WHAT THEY REVIEWED. There is no logical reason why I cannot hear exactly what they now claim to occurred, NOT IN 2018, AS INITIALLY TOLD, BUT NOW EXISTS FROM 2020. This is reprehensible and totally unacceptable and they know it. I know they know this because I was told that I might want to consider filling a compliant with the bank, just in case. I di exactly that not at her behest, but because this was TOTALLY UNAUTHORIZED AND I CONSIDER AN ACT OF THEIF.Ive been Robbed ****************

  

  Business Response

  Date: 10/04/2022

  Attached

• Initial Complaint

  Date:09/19/2022

  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 would like an explanation...as to why your bank has frozen my account FOR NO VALID REASON?! I tried to add my Cash App and another bank as an external account, and because the other bank was not compatible, I was locked out of my online banking....TWICE. I called your customer service department, and spoke with about 16 different reps, including some in your so called "security department". My telephone was disconnected, and they couldn't verify me via telephone...so they told me to upload proof of my identity. Then they made the IDIOTIC decision to freeze my account! This is completely unacceptable! So I uploaded the proof of identity docs, and still no one has resolved this. It's been well over 48 hours. As a single mother, I was unable to have access to MY hard earned money, and I need to pay my bills. What an example of unfair and poor business practices. ?? How incompetent! You have frozen my account for no reason. You have to be the worst bank to do business with ever. And to expect your customers to wait over 48 hours after uploading documents is completely unacceptable. You're not even following your own protocol. I want IMMEDIATE ACCESS to MY MONEY!DISCOVER THIS...YOU NEED TO DO BETTER BUSINESS!

  

  Business Response

  Date: 10/18/2022

  Please see attached response.

• Initial Complaint

  Date:09/19/2022

  Type:Service or Repair 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.

  I was selected for verification of my income. I sent in everything they asked for (notarized copies of 3 months bank statements), and re-submitted my permission for them to get my *** information. It has been three months since they first requested this information. I have called repeatedly and they always tell me they are "just waiting". I called today and asked to have them call or reach out to the *** to see if they can find out how the process is going. I was told that 1) they would not reach out to the *** to get an update, 2) I could not speak to a supervisor, 3) I could not message (email or otherwise) a supervisor, 4) they will not allow access to my card until they receive verification back from the ***, 5) they cannot send me any copies of any messages by email or otherwise, and 6) they will not give me a timeline of what happens if they do not hear back from the ***. Essentially, they approved me for a card, then turned it off with no justification. I did everything they asked, and they still won't turn the card back on. I sent them proof that I made what I said I did. I want to be able to speak with someone who has more authority in card services who can tell me a solid timeline on their decision-making process in this instance. The people I can reach on the phone have no authority and will not transfer me to someone who does.

  

  Business Response

  Date: 09/28/2022

  Please see attached

  Customer Answer

  Date: 10/04/2022

   
  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. Thank you for your help.  The complaint was resolved within just a few days after I contacted you, after waiting months and getting nowhere.  I am very happy now.  
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/15/2022

  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.

  Im a military service member who qualifies for SCRA benefits. Discover Personal Loans approved my request for SCRA benefits and they claimed to have sent me a check for a refund for overpaid interest on a loan that I had back in 2019-2020. I reached out to them and told them that I never received a check in the mail and that I was deploying soon and asked if they could just do a direct deposit or credit my Discover credit card that I have opened with them. They keep transferring me to different departments and passing me on to people who say that they arent the ones who specialize in my case. Im tired of getting tan around in circles and they even hung up on me! I would like for them to just help me instead of passing me around to different departments and not solving the issue.

  

  Business Response

  Date: 10/06/2022

  Please see attached. 

• Initial Complaint

  Date:09/15/2022

  Type:Order 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 preappoved for a second discover card and I submit the application income should be less than 60K a year and now I was told I need to send in IRS forms and I felt uncomfortable and the credit **** was rude and nasty towards me and idk if I want to do business with discover . The application was submitted with ID number # **************

  

  Business Response

  Date: 09/19/2022

  Please see attached.

• Initial Complaint

  Date:09/15/2022

  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.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  

  Business Response

  Date: 10/12/2022

  Please see attached. 

• Initial Complaint

  Date:09/15/2022

  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.

  Discover unprofessionally and neglectfully declined my dispute even when showing substantial proof, causing my credit to drop 14 points. Someone sold me a virus instead of a program. I disputed the charge showing the messages from the seller admitting he has a virus on my computer and has my passwords. He said in his counter claim that he removed my access to the program AND showed random pictures of another persons messages. Discover decided this scammer was in the right regarding all the proof. Seller advertised the program as undetectable but then says it was detected, seller removes my access to program when I requested a refund, then starts to threaten me saying he has all my passwords. Discover ignores the proof and instantly declines the dispute. Discover says to show proof the item was returned. I showed them the messages DISCOVER sent me from the seller saying he banned me from the program. Discover replies saying all the info was already considered. 1) Sale was falsely advertised 2) I did not receive the program but a virus fake instead 3) Seller removed my access to the program 4) Seller uploaded random/invalid info to counter 5) I showed substantial info and explained in detail Discover still decides the scammer is legit. Even after requesting more info to add to my claim they didnt look at it and say everything was already seen. This is unprofessional and shows neglect to my dispute affecting my credit report.

  

  Business Response

  Date: 09/26/2022

  Please see attached

• Initial Complaint

  Date:09/14/2022

  Type:Sales and Advertising 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 my CHIME bank account for the past year with no issues. Recently, on labor day, I was experiencing some suspicious activity on my account. Someone was able to add their number to my account, and someone transferred all of my saving funds to my checking and attempted to direct deposit $500 from my CHIME to my CASHAPP which is linked. I called CHIME 3 times to file a complaint and my concerns were not taken seriously. I decided to create a DISCOVER account. At the time, a CHECKING ACCOUNT is not an option for me so, I decided to make ONLINE savings account to start securing my money. DUE to me not wanting to use my CHIME account to pay bills, I used my DISCOVER savings to pay 2 bills and was slowly transferring money from CHIME to DISCOVER for $250. I get an email about my ONLINE SAVINGS ACCOUNT being closed and suspended and they are holding my money for 60 days with no explanation. This has never happened to me in a lifetime and appears to be suspicious to me. I don't feel comfortable banking with them anymore after this happened. I've had his account maybe for 1 week and they close down on me with no explanation and needing you all help to find answers or to have my funds sent back before a 60 day period.

  

  Business Response

  Date: 10/03/2022

  Please see attached.