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
- 3,160 total complaints in the last 3 years.
- 966 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:09/07/2022
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 am complaining about Discover Card Company who lowered my credit limit by $3000 usd when I have NEVER had a late payment EVER. They also made sure to lower my limit where I am at the top of my credit line, and have no credit left. That is so SLEEZY when I obviously needed to use my credit recently due to a change in my financial situation and using credit is essential to my daily wellbeing until my job changes.I cannot believe a multimillion dollar company would do this to those who need the help of credit since the pandemic. I DID MY PART ALWAYS. I EVEN PAID MORE THAN MINIMUM PAYMENTS. I am asking that my credit limit be put back at the place they originally offered until I did something that warranted the change. FAIR IS FAIR. I have NEVER not done my part. These companies could care less about its customers, and if I don't have my credit restored, I would like to know if there is any legal recourse I can take. I am so sick of these type companies. They make millions off your disadvantages through interest; they act like they are God and can do whatever despite their harming their customers. Please help me.
Business Response
Date: 09/16/2022
Please see attachedInitial Complaint
Date:09/07/2022
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.
Please remove it from my credit report.Business Response
Date: 09/13/2022
Please see attached.Initial Complaint
Date:09/04/2022
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.
My monthly credit card payment of $92 was due on September 1st. I setup my payment for $92 on September 1st with new bank information using PayPal account. Received confirmation that payment was being processed. On September 3rd got an email from Discover saying the account number I used for PayPal was incorrect so they returned the $92 payment and charged me $30 returned payment fee. Once I realized this issue I made an online payment of $92 from my checking account and then called Discover to ask if they could refund me the $30 returned payment fee. They declined my request and said their system suggested not to refund. My concern is the practice that they are using to decide who and when they decide to refund a fee for.Business Response
Date: 09/09/2022
Please see attachedCustomer Answer
Date: 09/12/2022
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:09/04/2022
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 account was unknown to me. I came across this law today and according to the **** 605B (15 U.S.C. 1681c-2) you are required to remove/block any account or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.Business Response
Date: 10/03/2022
Please see attachedInitial Complaint
Date:09/03/2022
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.
Account number **************** I've contacted ********************** **************** many times asking for ******************** help and they refuse to set my account up with a permanent hardship program. I've asked for the due date to be change to maybe help so I can avoid the late fees and they deny the request. Anything I've asked for to help financially this company says no. They have hardship programs for customers but fail to provide the help to customers struggling.Business Response
Date: 09/09/2022
Please see attached.Customer Answer
Date: 09/09/2022
Complaint: 17903365
I am rejecting this response because: Discover continues to refuse to help customers who are dealing with financial hardships. They can make some sort of hardship program, but they refused to. I was told by this representative to Contact customer service to have my due date changed but that request was denied. This company gets joy watching customers struggle. I could easily file for bankruptcy and youd get nothing vs setting up a payment plan to pay this off.
Sincerely,
***************************Business Response
Date: 09/20/2022
Please see attached.Customer Answer
Date: 09/23/2022
Complaint: 17903365
I am rejecting this response because: Discover can help they just refuse to help.
Sincerely,
***************************Initial Complaint
Date:09/02/2022
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 failed to post a $300.00 payment to the account that they received and cashed. Discover continually claims they either did not receive a payment, received a payment late or lost a payment. This has resulted in high interest rates numerous phone calls and to get them to post payments on time. I have complained to Discover on numerous times. they have been engaging in this deceptive, abusive, unethical business practice for years.Business Response
Date: 09/15/2022
AttachedCustomer Answer
Date: 09/16/2022
Complaint: 17901819
I am rejecting this response because:The issue has not been resolved. The $300.00 permanent credit has not been placed on my account. Discover received and cashed a $300.00 payment back in July 2022 but refuses to place the payment on the account. Please see the attached. This dispute is not closed! Please also see additional screen shots of emails that I sent to *******
Executive ****** of ******** Advocacy that she completely ignored and refused to answer.
Sincerely,
*************************Business Response
Date: 09/22/2022
AttachedCustomer Answer
Date: 09/28/2022
Complaint: 17901819
I am rejecting this response because: Please see attached. ******* has been evading me and refuses to answer calls, emails etc. However,this document will so that Discover Financial Services received a money order in the amount of $300.00 from me priority first class mail on 7-7-22 and cashed this money order on 7-19-22 through their bank ***************** ********** N.A As Agent for Discover *********. Please post my $300.00 payment immediately!!!!!Back date it to 7-7-22 which is when Discover received it!!!!! Also, I would like a written formal apology From Discover Financial Services for not posting my payment on time and all the trouble, stress and problems this has causes such as raised interest rates, higher minimum payment due and reduced available credit. Just to name a few. Discover should be ashamed of themselves. Discover will also need to reimburse me for the expense of procuring this document travel expenses $10.00 document cost $10.00 for a total of $20.00
Sincerely,
*************************Initial Complaint
Date:09/02/2022
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.
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC ****. Delete this unverified and misleading account.Business Response
Date: 09/12/2022
Please see attachedInitial Complaint
Date:09/02/2022
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 applied for a Discover card mid August, about 8/12. At that point they asked if I wanted to do a balance transfer and I did so I gave them my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on 8/23. It was at this time, my account was at a zero balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. The balance transfer process stated that the maximum amount I could transfer was $8100 and that would include the balance transfer fee. So I initiated a **** balance transfer from ********** to Discover Bank. I logged into my Chase account the yesterday and noticed I had a negative $6500 balance. Just this morning I reached out to Discover to find out what the issue was. I noticed in my account that the first balance transfer when I applied for the card on 8/12 posted on 8/25 and this was 100% not listed in my account on 8/23 or else I wouldn't have done the second balance transfer. Discover told me I need to talk to ***** to request a refund and they will not and absolutely cannot refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me too get 2 transfer fees. The second balance transfer posted in 2 days but the first posted 15 days later. Even if there was a delay, they did not directly indicate this to the customer. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of ********************** if they don't fix their mistake.Business Response
Date: 09/09/2022
See Response.Customer Answer
Date: 09/12/2022
Complaint: 17897773
I am rejecting this response because:regardless of my complaint with another consumer credit agency, you are not addressing my complaint made to the BBB. I cannot accept this response from Discover as resolved until I have, in fact, been given a resolution. One agency complaint doesn't cancel out the other and I cannot accept a "please wait privately for my response without involving the BBB" as an appropriate response. A resolution through my BBB complaint is just as valid as any other agency.
Sincerely,
*******************************Business Response
Date: 09/28/2022
See ResponseCustomer Answer
Date: 09/28/2022
Complaint: 17897773
I am rejecting this response because:
Sincerely,
*******************************Initial Complaint
Date:09/02/2022
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 got approved for a discover card. I am a authorized user on a different account. I ask ********************** to reconsider the amount of $3,000. It is too low. my only other credit card is $15,000 and I ask for comparable credit. the other account I am on has a balance of $11,000 and I ask discover to match that amount on my new card or give me more.Business Response
Date: 09/09/2022
Please see attached.Initial Complaint
Date:09/01/2022
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.
account ****************. this is my official notice to your company for purporting inaccurate information to consumer reporting agencies on my behalf. this is a direct dispute under 12 CFR *******. i am putting you on notice for furnishing inaccurate information for a fact on my behalf. as you have sent me a ****c form last year and i filed this alleged debt with my income as i was required to do so by *** instruction of a debtor form ****c. you already know i have filed this with my taxes and you have received a deduction for this account, making this income and income is not reported on consumer reports. but on my consumer report it shows this account as a collection with a balance due making the reporting of this account false and misleading, and 100% inaccurate for a fact, any continued reporting of this account you will be held in violation under 15 USC 1681s-2(A)(b). i demand you delete this trade line immediately from my consumer report and cease and desist any and all collection activity regarding this account as i do not owe this debt at all. failure to comply with deletion request i shall report you to the *** under form ****a for false and altered documents and a fraudulent gain which is punishable under 18 USC **** BANK ENTIES REPORTS AND TRANSACTIONS. i will also submit verified proof of the ****c form which i have submitted in regard to this account.Business Response
Date: 09/27/2022
Please see our resolution attached
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