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 1011 Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  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:09/13/2022

  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.

  Cancelled my card and reported to credit agencies Never used card / received many unsolicited scam emails from them and not once anything in writing using the US Mail. Do not want their credit card it is not accepted anywhere I would use it

  

  Business Response

  Date: 09/20/2022

  Please see attached.

• Initial Complaint

  Date:09/13/2022

  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.

  My oldest credit card (about 20 years) is with discover. I have never missed a payment in these 20 years and I have learned to rely on my Discover credit card as a flexible line of credit to meet my personal and entrepreneurial demands. Recently, I have been involved in several entrepreneurial start-*** and I moved some capital onto 0%-%5 offers on other credit cards, leaving my 32k credit limit on my discover card largely untouched. This 30k line of credit was meant to be my cushion, as I have used it many times over the years, if I needed it. With no call and a simple "message" to my accounts inbox, they dropped my credit from 32k down to $2,800. I called to contest the decision and they said they re-evaluated my account and I no longer qualified for a $32k credit limit. I had literally just paid off my credit (which was nearing the 30k ***** just a month or two ago. I asked to talk to someone who could manually review my case based on my LONG history with discover and my record of 0 missed payments in 20 years and they said there was no one that could manually change this. I don't accept this, and if it is true this is a huge mistake by discover. I would like to either have this complaint make its way to someone who can change this credit adjustment based on my long and outstanding history with Discover, or I would like to formally register a complaint that this is a bank no one should be doing business with. How in the world am I supposed to plan my investments and financial future when my longest and most trusted bank rips the rug out from under me? I planned around having my 30k+ balance on my discovercard to be my safety net, and now my safety net is gone with not even a thought from the company and no recourse for me through their customer service department. This isn't how you should treat your customers that have spent 20 years relying on your services, especially ones that have NEVER missed a payment.

  

  Business Response

  Date: 09/22/2022

  Please see attached 

  Customer Answer

  Date: 09/23/2022

   
  Complaint: 18018500
  
  I am rejecting this response because:

  
  

  They basically called me to say there is nothing they can do to help.

  
  

  I've been using their banking services for 20 years with no missed payments, and have given them no reason to doubt I am good for my line of credit. I feel betrayed by Discover, who I felt was a reliable financial partner. In a financial move I reconsolidated some investments onto other credit cards at 0% interest rates for 12+ months, leaving most of my available credit on my discover card. This automated and impersonal move by discover dropped my available credit by roughly 30%, increasing my credit utilization from the 60% range to the 90% range. It also removed what was to be a worst-scenario safety blanket for me, which increases stress and pressure on me. It will likely take 2 years to recover my credit from what Discover did to me.

  
  

  I have been delt a serious blow here by discover, and they don't care. I do not accept their response and hope that this ongoing issue may serve as a warning to others that might think about trusting this bank. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 09/27/2022

  Please see attached 

  Customer Answer

  Date: 09/28/2022

   
  Complaint: 18018500
  
  I am rejecting this response because:

  
  

  You may consider this issue resolved, but I have no resolution to the fact that I trusted you and you betrayed that trust. Your behavior was underhanded with no real basis beyond automatic "statistics" that you run on people's accounts. You wait until I pay off a $30k balance and then reduce my credit $30k. Just wrong. The fact that a long-time customer of 20 years can't get personalized treatment from your bank based on their long history is appalling.  You lost a lifelong proponent of discover services through this.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/12/2022

  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 was supposed to credit my account $407.34 for an item I returned. I have waited over three months- called multiple times, have been on hold for hours and keep getting a run around.

  

  Business Response

  Date: 09/20/2022

  Please see attached

• Initial Complaint

  Date:09/12/2022

  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.

  Please remove this account that is reporting on my credit file. I don't have this such account.

  

  Business Response

  Date: 10/12/2022

  Please see attached 

• Initial Complaint

  Date:09/12/2022

  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.

  Hello my name is *************************. I am a psychologically disabled war veteran, and Discover Bank has given me a bad credit report that is preventing me from being able to obtain secure housing. Ive paid off all debts owed to them but their bad credit report is detrimentally impacting my life. I would be deeply appreciative if you could help me dispute this claim or have it removed from me credit.

  

  Business Response

  Date: 09/23/2022

  Please see attached.

• Initial Complaint

  Date:09/11/2022

  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 checked my credit report and noticed I had late payments from Discover Financial. 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: 10/03/2022

  Please see attached.

• Initial Complaint

  Date:09/11/2022

  Type:Billing 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 opened a cashback debit account with Discover on 4/26/2022. I intended to fund the account with a couple of checks I had been holding on to, having never used the mobile deposit feature on a bank account before, and having heard horror stories about it (such as the one I'm currently experiencing), I was a bit leery about using it. I decided I would deposit the first check, and if everything cleared okay, I would deposit the second. The first check appeared to clear fine, and after the holding period I was able to access the funds, so I deposited the second check on 5/4/2022. On 5/8/2022 I received an e-mail notifying me that access to my account had been suspended for security purposes, and to call them immediately. It was then explained to me over the course of a couple of phone calls that my account was "pending closure for business reasons", and that the decision couldn't be appealed. I was told that after an investigation period of ***** days, the balance in my account would be sent to me in the mail as a check. A few days later I would receive a letter in the mail informing me that my account had been closed because "an investigation concluded that the account was opened without my knowledge", they sent this letter to my address, which I gave to them when I applied for the account, the same address printed on my I.D, a photo of which was given to them for identity verification purposes. It has been 4 months as of the time of writing this, and I have not received a check, nor any additional communication from Discover, barring the automated monthly balance emails for the account.

  

  Business Response

  Date: 09/27/2022

  Please see attached.

  Customer Answer

  Date: 09/28/2022

   
  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:09/11/2022

  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.

  For years, I have been trying to be able to redeem the cash back rewards from my two Discover credit cards to my Discover checking account. The button for that choice is grayed out on my account and a number is given. I twice have called that number and was told that that redemption option would soon be possible. My most recent call was last week, when I was told if I made a payment to my credit card from that account, that would validate my ability to redeem rewards to that account. I made such a payment, and the button is still grayed out. I refuse to waste any more time going in this ridiculous circle. It is particularly ridiculous since I want to redeem Discover credit card rewards to a Discover bank account. With other credit cards, I never had any such difficulty linking even outside banks for such a purpose, and could do so without calling people, who in this case, are there to waste your time, not to help you.

  

  Business Response

  Date: 10/03/2022

  Please see attached

  Customer Answer

  Date: 10/06/2022

  I reject this response because:Discover's response is vague and only raises additional questions. It is unacceptable for the following reasons:1. Discover needs to discover a marvelous invention called the internet. All the information a cardholder needs to redeem rewards to a bank account should, but does not, appear accurately on the Discover website. Instead, there is a phone number to call. When I called it, a clueless person first said she could validate a linked bank account for such a redemption. Then, she said she could not and referred me to website support. After speaking to them, she said making a card payment from the linked bank account would validate it. I asked if a one cent payment would work and she said yes. She made no mention of a requirement of a minimum due payment. Also, the number she gave me for website support was not direct as she said, but led to the same general phone menu.2. Discovers confusing response was: making a minimum payment due from a linked bank account is required to ready it for redemption. At the time I made a one cent payment, I had a card balance, but no statement balance. Therefore, no payment was due. That raises the question: Would paying an entire non-statement balance, prior to it becoming due, validate the bank account? They don't say.3. More mysteriously, one of my two credit cards formerly allowed me to redeem rewards to a bank account. At some point, that option inexplicably disappeared. I was never told why an account once validated would become invalidated.It is absurd that even after involving the BBB, Discover cannot clearly communicate to a cardholder how to redeem rewards to a bank account. People who answer their phones are not trained to know what they are talking about.Despite this chaos, I have devised my own solution. I will redeem my rewards as a statement credit balance, then ask that a check be mailed for that amount. Hopefully, that will end this saga. Discover exists in a corporate, bureaucratic daze. They should come up with a new slogan: "Snail mail to the rescue!"

  

  Business Response

  Date: 10/11/2022

  Please see attached

  Customer Answer

  Date: 10/16/2022

   
  Complaint: 18009927
  
  I am rejecting this response because:

  
  

       Discover's response is to only try to waste more of my time by calling and writing, only to ask me to call them. If they have something to tell me, the intelligent thing to do would be to leave that message either on voicemail or in the letter they sent. I have already told them all I have to say. When I called them originally, I not only couldn't complete the task of redeeming rewards to my bank account--I was also given multiple forms of misinformation. Why on earth would I want to call them again? 

       As I said, I have come up with my own solution, without any help from Discover. I have redeemed most of my rewards to a Wal Mart gift card, since that is the only one I use that they offer. In the future, if necessary, I will redeem rewards as a statement credit, then have the credit balance mailed to me as a check.

       If Discover wants continue going in circles, they're on their own.

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

• Initial Complaint

  Date:09/10/2022

  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.

  My mother has a Discover credit card. I paid a bill for her with a personal check. Discover kept my checking account information on file for her account without my consent and then they debited my checking account for a phone payment that she made. I am shocked that my bank account information is being held without my consent for a card that is not in my name.

  

  Business Response

  Date: 09/20/2022

  Please see attached

• Initial Complaint

  Date:09/09/2022

  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 can't make money transfers since August'22 and it seems like all agents don't know why. Every time I call and I explain my issue they take their time and drop the phone call.

  

  Business Response

  Date: 09/12/2022

  Please see attached