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:09/09/2022

  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.

  On June 2022 I make a payment to my credit card discover credit card. I sent $1,000 for my payment and I received email from discover financial institution I'm missing a payment I contacted them they told me the payments was reversed to my account I took my bank there was no payment so I provide them my statement and track number so they could search the payment they told me they were going to resolve it within 15 days now 45 days and I've been calling them 20 times. They cannot resolve result this issue as of now. I want my money to be credited to my credit card .

  

  Business Response

  Date: 09/16/2022

  Please see attached.

• Initial Complaint

  Date:09/09/2022

  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 purchased a product online from Mabox with my Discover Card. The product had a hidden item (on line films) about makeup which I did not sign up for. The Mabox creme was sold for $14.95 which I did purchase and in turn I e-mailed them about returning the product. Mean time Mabox started charging my Discover a $99.95 for films. I have been a Discover customer since ****. They are agreeing with ***** and saying even though ***** said in emails that, Discover has in their possession, they would stop charging my Discover monthly and refund my Card. They have not stopped. Discover stated that ***** never said how they would do the refund which to them is an out for Discover to side with Mabox. I don't know what more I can do. I don't seem to be able to Freeze the account or close it. I don't want the card anymore and would NEVER use it again. Hope you can help me.

  

  Business Response

  Date: 09/22/2022

  Please see attached

  Customer Answer

  Date: 09/23/2022

   
  Complaint: 17937087
  
  I am rejecting this response because: There was no resolution. Email was all generalities. No ammount of moneys/refund, no time frame, same things stated I've heard numerous times since this started in July 2022.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 09/26/2022

  Please see attached.

  Customer Answer

  Date: 09/28/2022

   
  Complaint: 17937087
  
  I am rejecting this response because: The issue has not been resolved. I had been a customer of ********************** since ****, with a record of no deputes, late payments, etc. This does not seem to matter, and my word seems to mean nothing. I did not sign up with Mabox for any learning/teaching tapes/films, nor have I received any such items from them. But again, it's my word and Mabox claim. Bottom line Discover has made a decision to back Mabox with no actual evidence/proof and the fact that I have never received (tapes?) from Mabox means nothing.
  
  Sincerely, 
  
  ***********************

• Initial Complaint

  Date:09/09/2022

  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 sent in multiple letters on August 09, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. -15 U.S.C 1681B (c) (1) (A)(B)(3) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer This is unauthorize use of my information.

  

  Business Response

  Date: 10/03/2022

  Please see attached. 

• Initial Complaint

  Date:09/08/2022

  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 contacted two of your representatives to try and negotiate some type of payment arrangement due to a recent financial hardship. And then I got these two morons. So now I guess you get nothing.Moron # 1 Discover Discover Welcome to messaging. How can we help you today?I have had a financial hardship and need to discuss payment options for my card Thu, 5:31 PM Discover One of our 100% US based customer service agents will be with you as soon as they can. Feel free to return anytime, your message history will be saved here. Discover My name is ****, from ******* *******. I am happy to help you today. I apologize for any delay you may have experienced, but I am currently pulling up and reviewing your account to make sure I have all the information I need to know before we get started. Thank you for taking the time to chat with me, ****! I hope you are experiencing enjoyable weather in ******* today. will gladly assist you with your account It is because of loyal customers like you that make our company great!Until we customize the right solution, please refrain from making any payment on your side during the chat. To help prevent any accidental double payments.I am sorry to hear you're facing a hardship. I do hope all good things turn around for you soon.The minimum payment $71.00 is due on 9/11/22. I will be glad to review what we may have available .okay Thu, 5:36 PM Discover Hello , your purchase balances is $2,438.73 with variable rate *****% The program Red. APR *****% 1 year will suspend. Estimated payments $71.00 $71 is the same payment amount? That's the amount I'm trying to lower. I cannot currently afford it as I have no job Thu, 5:42 PM Discover I am sorry and I do understand. This is the only program we have at this time. Programs are subject to change.You do have any type of financial hardship program?Thu, 5:45 PM Discover I do apologize as this is the one program we currently have available.

  

  Business Response

  Date: 09/16/2022

  please see attached

  Customer Answer

  Date: 09/18/2022

   
  Complaint: 17937179
  
  I am rejecting this response because:

  
  

  I have no records of any attempts by Discover to contact me. I would also prefer to communicate by email and not phone. 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 10/03/2022

  Please see attached

  Customer Answer

  Date: 10/03/2022

   
  Complaint: 17937179
  
  I am rejecting this response because:

  
  

  As I've previously stated, I will only respond via email, which Discover has on file. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/08/2022

  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. At the time, I was going through an economic hardship due to me getting sick because of COVID. 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 credit report. I had this account open since May of 2020 and never missed a payment until this year. COVID really impacted my credit score because of the late payments. I already tried calling Discover directly and ask for a goodwill adjustment for which they responded they have to report accurate information. I understand that but when I had COVID I alerted Discover immediately and told them how I was not capable of making the payments and they did not even give me the option of being on a payment plan. The customer service reps kept telling me to check back to see what options will be available and nothing came available until I was marked *************************************************** the fresh start program. Even while making on time payments again, they still would not give me a goodwill adjustment. I am trying to increase my score to get back on my feet. I want these late payments removed.

  

  Business Response

  Date: 10/05/2022

  Please see attached.

• Initial Complaint

  Date:09/08/2022

  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.

  Discover bank randomly decided to close my bank account #********** after I jumped hoops to verify my identity with them. After I sent in all the required documents I was told everything was fine. My father passed away and I received a life insurance check for ******* which I deposited into Discover. Then they decided to close the account and are now holding my funds hostage for 60 days! That is over ******* that they are holding. That money was paying for my father to be laid to rest and also my salary was in the account. I am now left without $1 to my name and cannot pay bills, bury my father or even get food at this point. I feel Discover is performing Fraudulent activities with their actions and clearly do not care about how their actions affect a persons livelihood.

  

  Business Response

  Date: 09/29/2022

  See attached.

  Customer Answer

  Date: 10/03/2022

   
  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:09/08/2022

  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 have a discover bank cd account # **********. I want to close the account but there saying I have to pay a penalty but when I opened the account I was told over the phone by your customer service that if I closed it within the first year I would not have to pay a penalty so I want the account closed and the penalty waived.

  

  Business Response

  Date: 09/16/2022

  Please see attached. 

  Customer Answer

  Date: 09/18/2022

   
  Complaint: 17933623
  
  I am rejecting this response because:

  
  

  My position remains unchanged you guys opened a cd when you were suppose to open a savings account and ive had to deal with this ever since it was opened so its your fault but like I said I dont care about the interest money I just want my original ******* deposit back. This is my money not yours so you cant hold my money without my permission. This is once again a formal request to close my cd account and return my ******* original deposit by official check mailed to my home. If I have to say this everyday I will. You are illegally holding my money right now. I want the account closed so close it NOW
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 09/22/2022

  Please see attached. 

  Customer Answer

  Date: 09/24/2022

   
  Complaint: 17933623
  
  I am rejecting this response because:

  
  

  These people are discriminating against me because of my religion and hearing defect. I closed the cd account today and they are mailing me a check for the cd minus the early withdrawal fees. Discover still owes me the difference between that check and the ******* original deposit. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:09/08/2022

  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 filed a dispute with Discover card on 12/7/21 regarding fraudulent activity to my account. I then called back within 2 weeks to retract my fraudulent claim. When I called to retract my fraudulent claim I also notified Discover that the $61.94 I was disputing was also credited from Amazon which is who charged the initial purchase. I stated when I called that Amazon refunded my card in the amount of $61.94 on 11/15/21. I was told that Discover would look into it and I would hear back from them within 30 days. I did not hear back from Discover in Jan., Feb., March, April, ***, June or July. So I called to follow up EVERY MONTH. I was told they were still looking into finding the credit. I uploaded documents and provided proof to the Discover website and still did not hear anything in writing. I was reversed Interest & late payments due to the dispute from Dec 2021 to April 2022. I was then charged interest and late fees in **************** Every month I called I was NEVER once told that during the dispute process that I should have been making ANY payments! Therefore I was reported to the credit bureaus as making late payments. I would like my *** and June late payments to all 3 credit bureaus reversed from Discover card. I was able to rectify my July late payments with all three bureaus (because my dispute was finally resolved on July 15, 2022 in my favor for the total amount of $143.52. which included interest in late payments) but not *** and June! I would like Discover card to notify all three credit bureaus that I was not late making payments for *** or June 2022 . Discover card needs to rectify this issue for me considering my dispute shouldve taken 30 days and not 7 months to resolve!

  

  Business Response

  Date: 10/05/2022

  Please see attached 

  Customer Answer

  Date: 10/18/2022

   
  Complaint: 17933330
  
  I am rejecting this response because:

  
  

  I havent contacted from ******* at the executive office from Discover cards. She informed me that she was able to reverse all the months of late payment fees with all three credit bureaus. I am waiting to see my credit report to confirm. 

  
  

  Thank you for reaching out to me.

  
  

  Sincerely,

  *************************

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

  

  Business Response

  Date: 10/26/2022

  Please see attached

• Initial Complaint

  Date:09/08/2022

  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.

  Hello, I am writing to notify you of an error that placed my personal bank account into a negative of $45 and has prohibited me from putting gas in my car and feeding my family. I am a registered nurse single family income and live paycheck to paycheck as most Americans. I enrolled in a payment plan to reduce my interest and try to pay down the account do to financial hardships. I enrolled in the program on 9/5 with the autopay set to begin in October. I made my regular payment for September. This morning as I went to the gas station my card was declined. I noticed the account was in the negative. I have appointments I need to make it to at the pediatric hospital for my children and need to feed them. How is this ok and after calling the resolution was a refund that takes 3-7 business days. This is completely unacceptable and I would like this escalated higher. I cannot tell my kids to wait 3-7 business days to feed them or tell my job I dont have sufficient gas for 3-7 days. There needs to be immediate resolution to reconcile my lost funds. Ultimately this is theft. This is extremely detrimental. Please contact me immediately. I would like this escalated for immediate remedy.

  

  Business Response

  Date: 09/29/2022

  Please see attached.

  Customer Answer

  Date: 09/29/2022

   
  Complaint: 17933326
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

   

  . I have attempted multiple times to contact ***** from the **************** however the number provider does not allow to be connected to the representative. I have been on calls with multiple customer ******************** reps that continue to transfer me to random departments that also cannot connect to you or they pass on to another customer service. I have had to explain me getting back to ***** 5 times. It is incredibly frustrating and only exacerbates the original issue.

  

  Business Response

  Date: 10/12/2022

  Please see attached.

  Customer Answer

  Date: 10/12/2022

   
  Complaint: 17933326
  
  I am rejecting this response because: The response does not make amends to the unconsenting incursion to my bank account that left my children and family without funds for over a week cause harm. Discover is responsible for this harm and should initiate a resolution.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:09/07/2022

  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.

  August 1, 2022 I made an overpayment from my bank account to our Discover account in the amount of $4680.00 Realizing this on August 1 I requested a refund via live chat with Discover customer service. I have copies of that chat telling me a request was submitted for mailing of the check to my address, as well as all the others chats where I was fraudulently lied to about the funds being sent via ach and/or mail on different dates. Now, after 6 weeks I still have not received the funds. After over 2 hours on the phone and live chats I'm told the same thing, that a new request has been submitted for my funds to be returned to me. They have no proof, no trace numbers, copy of any stop payment for the check that never reached me, copies of requests, records, etc. to prove any of their statements regarding my funds they told me had been sent to me on stated dates. I have lost interest on the amount as well as suffered much frustration after being lied to by Discover's customer service. I have no proof the funds will be forthcoming. My family needs that money asap WITH INTEREST to continue to meet our financial requirements.

  

  Business Response

  Date: 10/03/2022

  Please see attached