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
- 3,166 total complaints in the last 3 years.
- 965 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:08/26/2022
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 charged under $60 for an online herb order in Oct 2021- I never received a statement. I called Discover to settle in November 2021 but they only issued me a new card and carried interest charges until June .
Business Response
Date: 09/02/2022
Please see attached.Initial Complaint
Date:08/26/2022
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 banking with discover bank when they all of a sudden made a business decision to close my account down for no reason at all not only did they close it down but they took thousands of dollars away from me please help me get my money back from discoverInitial Complaint
Date:08/25/2022
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 a refund from a merchant that got sent to a canceled credit card. This card was canceled mid 2020 after a fraud attempt and I was sent a new card with a new number, effectively closing the old account. Apparently, the account associated with the old card was not only closed, but completely purged from Discovers system sometime between 2020 and today. I spoke with four separate customer service agents over the phone on August 19, 2022 and none of them were able to access the account in question to retrieve my refund, despite me providing the 16-digit card number and my SSN. The merchant is ***** Cruise Lines. I made two purchases towards a cruise in November 2019 and January 2020 for $400 and $552.94, using the Discover card that was active at the time. This cruise was canceled due to COVID-19 and I received a voucher which I never got to use. I requested a refund from ***** in March 2022. When months passed and I didnt see my refund anywhere, I contacted ***** Cruises by phone on August 19, 2022. ***** informed me that they had sent two refunds on April 5, 2022 in the amounts of $400 and $552.94 to the original payment method on file, the Discover card that is no longer active. ***** does not have the ability to send the refund to anything except the card they have on file, despite the card no longer being active. I was told to contact Discover to figure out why I hadnt received my money. I contacted Discover on August 19, 2022 by phone and thats when I found out my former account had seemingly been erased from existence. Discovers billing department directed me to mail documentation supporting my case so they could "hopefully" retrieve my money. I mailed my documents to Discover's billing assistance office in ************** and am currently awaiting a response. I have attached those documents here as well.I am filing a complaint here and with the **** in order to get more eyes on my case and get my refund retrieved as quickly as possible.Business Response
Date: 08/29/2022
See attached.Customer Answer
Date: 09/02/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this response is satisfactory to me.
Sincerely,
***************************Initial Complaint
Date:08/25/2022
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.
My payment are made so I will never pay them off.example,195.00 with 172 going to interest.I will never pay this bill off.......Business Response
Date: 09/23/2022
Please see attached.Customer Answer
Date: 09/26/2022
Complaint: 17776113
I am rejecting this response because:
Sincerely,
*********************Initial Complaint
Date:08/25/2022
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 tried to make multiple payments on my Discover card and they all get returned back to my bank which has caused my discover current balance to be 800 dollars. Since these payments were being tossed around from processed to returned it caused my accounts to overdraw. I have tried calling discover to resolve this issue 4 times in the month of August and they have not helped if anything have made the situation worse.Business Response
Date: 09/06/2022
Please see attached.Initial Complaint
Date:08/25/2022
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 help me; I am a victim of identity theft, Discover Card is harassing me to make a payment on a fraudulent account in my name that I did not open, and, has been reporting fraudulent information to the credit bureaus. Discover failed to accurately confirm the identity of the person they issued a credit card to, and Discover card is now harassing me for payment on an account that is not mine.A fraudulent Discover Card account was opened in my name 7/20/2021, and was closed in May 2022 when a "spouse" of the identity thief called Discover to say the "cardholder" was deceased, there was a $681 balance remaining. I discovered the problem 7/2022 when I received letters from Chase and Capitol One explaining that attempts had been made in my name to open new credit cards, but they had been denied as ************************* had been reported as deceased, and, they could not verify the identity of the person requesting the card.Since discovering the identity theft, I have filed an identity theft report, filed a police report, contacted Experian, Equifax and Transunion and put security freezes and fraud alerts in my name. I have sent the 3 credit bureaus and Discover all the above information in addition to a copy of my SS card, recent **** in my name with my home address and drivers license. The credit bureaus deleted the fraudulent Discover account from my file and also the fraudulent address Discover Card was using that is not my address.The fraudulent account is Discover Card ***** (they will not give me the full #), and the fraudulent address is *************************************************************************. *****, a Discover representative told me that the phone number and email they have do not match mine.I want to file a claim against Discover as they charged me $681, stating that the fraudulent account they opened for the identity thief who was reported as deceased has now come back to life and moved to my address. I spoke to Discover representatives many times to no avail.Business Response
Date: 09/12/2022
Please see attached.Initial Complaint
Date:08/25/2022
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.
**** we joined Discover, have been congratulated & thanked for longevity over the past 35 years. Credit limit has been increased.In May 2022 I called to have payments put on automatic withdrawal from checking account. I answered all questions factually; yet was told my social security number does not match. The original application was paper and apparently they cannot locate it. My number has not changed! Discover stated they cannot complete the automatic withdrawal. However, they did on Aug. 8 with another scheduled for Sept. 8. They wanted me to have a notary certify my social security number, notaries only certify signatures. In August 2022, without notice, I found out Discover closed our account. It is the only card we have and caused us to be without a credit card, having to scramble to make payment arrangements for items paid with this card AND Discover reported it closed by them to the credit reporting agencies, thus reflecting negatively on our credit.I have made several attempts to straighten this out, having been on the phone excessive hold times, transfers, given a fax number to call and shuffled between various departments including "credit bust out team" "identity protection" and "verification department". I was told the last 4 numbers do not match and then told the last 4 numbers are correct, just not in the correct order. All they have to do, after 35 years of extending credit, raising the limit, etc is to correct their error. I provided them with the correct number or they wouldn't have issued the card to begin with.Now they have taken my rewards with the current statement showing $0 when as of July 13, 2022 we had $3*****. This has all been caused by Discover being negligent in their record keeping and not having the integrity to right their wrong. Discover must credit our previous rewards amount of $3 ***** plus the amount earned this past cycle & must report this accurately to the credit bureaus without negative consequences.Business Response
Date: 09/22/2022
Please see attached.Customer Answer
Date: 09/25/2022
Complaint: 17770533
I am rejecting this response because:Discover should not be allowed to ignore this complaint and decide on their own to close this. Discover cannot provide the original documentation of the application with my social security number. Instead, Discover has decided I am guilty without being proven so as they DID HAVE MY CORRECT SOCIAL SECURITY NUMBER. Their negligence and inaccurate record keeping has caused distress to us.
******** wants me to "update" - her term - my social security number. I have told her, it was provided upon application 35 years ago, no one can "update" a social security number as you only have one. I have had mine since I was 15 and I am now 60. I cannot "update" my number when it has and remains the same.Discover closed our account without notice and notified the credit bureaus they closed the account. We have been punished because Discover did not keep accurate records. Discover admits no responsibility or accountability in what they have done to us. They must withdraw that they closed the account as it reflects negatively on our credit. We are not in the wrong!
Sincerely,
D. *******************Initial Complaint
Date:08/25/2022
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 8/24/2022 my discover account was locked. I called the number provided to get my account unlocked and was transferred to the department that verifys your identity. I verified my identity. Then I was told that they closed my account and would send me a check for my remaining balance in up to 60 days. I can't wait up to 60 days for my money. I have bills due.Business Response
Date: 09/19/2022
Please see attached.Initial Complaint
Date:08/25/2022
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 requested balance transfer from Discover and I called to tell them I changed my mind and wanted to cancel it. They told me it had already been sent to my bank with Redstone. They told me to ask Redstone to send it back so I did . ******** credited it in my acct today and they said that they were not able to send it back that o would need to. So I sent it back the same day I received it and sent message to discover that it was coming. They charged me 5% trf fee and they are telling me that they will not remove that transfer fee even though I sent the funds back same day I got them. This is wrong! I did not keep a dime . I have uploaded screen shots to show when it hit my acct and screen shot to show I sent it back to them today, same day. I want the balance transfer removed from my acct.Business Response
Date: 08/31/2022
Please see attached.Initial Complaint
Date:08/25/2022
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 these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under *** ****g, delete this within 15 days.DISCOVERBANK Account #************Bal:$0.00Business Response
Date: 09/15/2022
Please see attached
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