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 15874 Wilmington, DE 19886

• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15158 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:08/24/2022

  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.

  I recently opened up an Discover account. I received a check from Geico from a recent wreck that I was in. I used Discover mobile deposit to cash that check. After my check was accepted, Discover let me know my account was closed and they will be mailing me another check. They refused to let me know why my account was closed. They refused to let me speak with a manager. They let me know that I would receive the check in 60 days or less and I can not wait that long. This is completely unacceptable. I need my funds now.

  

  Business Response

  Date: 09/16/2022

  See attached response. 

  Customer Answer

  Date: 09/18/2022

   
  Complaint: 17764813
  
  I am rejecting this response because: This is the same generic response that everyone in the company has given me and this is unacceptable. I need my funds now!!! The check was accepted and verified by Discover so why do I have to wait 60 days to receive it??? ***** says the check has been cashed and there is nothing they can do. Why didnt Discover contact ***** to verify the check like a REAL bank would do? This is completely illegal and if we do not get this solved here I will be getting a lawyer next.
  
  Sincerely, thanks 
  
  ***************************

  

  Business Response

  Date: 09/22/2022

  See attached response.

  Customer Answer

  Date: 09/24/2022

   
  Complaint: 17764813
  
  I am rejecting this response because: This is unacceptable. None of my questions were answered. Why do I have wait 60 days to receive my funds when the check has already been cashed by your company l!!!!??? You all have basically stole my money. Send me my check now!!! I dont want a bank account with Discover , I want my funds returned to me. I have been without a car because you all will not give me my money back!!! This robbery!!!!!!!!!!!!!!!!!
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/24/2022

  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 April 21, 2022, there were charges on my card ending in **** for CCI Hotel Reservation in the amount of $2293.28. I did not authorize this transaction on my credit card and filed a complaint to discover and they denied my claim stating that the charge is non-refundable, however, I did not authorize my card to be charged by CCI Hotel Reservation. I would like the money charged on my discover card to be refunded as I feel as though I am a victim of fraud and nothing was done by Discover to remediate the unauthorized purchase on my account.

  

  Business Response

  Date: 09/02/2022

  Please see attached.

• Initial Complaint

  Date:08/24/2022

  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 have 3 student loans with Discover. I opened a consolidation loan with ******** bank, on June 17 2022 ******** sent Discover 3 checks for the full amount. I called Discover to tell them these checks were coming, and that my June payment was due but I would not be paying it because the checks should be there and processed before there would be any late penalty. as little as two days after my June payment was "due" Discover began calling me asking for my payment. I'd tell the representative that the check was in the mail and they would say it could take up to 10 days to process. Every few days Discover would call asking for payment, same thing over and over. 12 Days pass and Discover begins to say they do not have the checks and that if they were sent they should be here by now. Discover kept saying to send new checks. (Which would result in more interest being added to my new loan.) ******** kept telling me no, this is happening to everyone with Discover they take 4 weeks to process checks. Discover continues calling for payment. No one can help. I continue calling back and forth and ******** holds their ground saying I need to wait. I call Discover and demand that they investigate this as a missing payment. They're saying I owe them over a thousand dollars and that I am 2 months behind. Constant payment harassment. Finally, someone from Discover calls saying there has been a security breach at a PO box that my check was sent to. They forwarded these checks to another place, they say they still cannot find the check and want new ones 60 days after the first checks were dated. They finally agree to copies of the originals being sent via email from ********, which happens and they says they will cash them the next day 8/11. They did not cash these checks for another TWO weeks, after I called 8/23 saying I will be putting in complaints about thefalse debt on my credit. They caused so much undue stress and lied about the situation. It's unacceptable and deceptive.

  

  Business Response

  Date: 09/23/2022

  Please see attached response. 

• Initial Complaint

  Date:08/24/2022

  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.

  Received a check from Discover that said 0% interest and no fees and when I cashed the check they charged me $100 in fees. There was no clear indication of a fee and they will not refund me.

  

  Business Response

  Date: 08/29/2022

  Please see attached. 

• Initial Complaint

  Date:08/24/2022

  Type:Customer Service 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.

  8.3.2022 Aug payment was rejected from *********** and Discover Card refuses to refund the fee of $29.00to my credit card. In May 2022 I called and had my banking information updated by a customer service live agent. The *********** branch in *********, ** was sold to ********************* I called and had my banking updated with the new DBA number. Discover customer service rep update but did not delete the old banking information. I made several payments and was directed to the correct institution. In August when I called and made a payment it tried to post to the old bank information. To my knowledge I was told and thought it had been deleted when it was updated. Now because of customer service not deleted the ***********ing account it caused the $29.00 free for NSF. I have called many times without success in getting this resolved. They told me to contact my bank Arvest to get them to reimburse for the fee that Discover charge me only problem is there is no such banking account and or bank with my account number. Also it wasn't them that charge me.

  

  Business Response

  Date: 08/31/2022

  Please see attached. 

  Customer Answer

  Date: 09/09/2022

   
  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:08/22/2022

  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 have a Discover Bank card, which I use to receive my paycheck from my employer. Discover accepted my paycheck and then froze my funds and refuses to give me an explanation. They have required that I upload my SS card and my Drivers License, which I did and then they told me that my drivers license was not accepted because it is still a permit. Next, I uploaded a court paper with my official name change and my ATT bill. To those documents they refuse to speak to me because my address on my ATT bill is my old address, the drivers license is also the old address, yet they never gave me that reasoning for the drivers license. Now, they are saying I need a utility bill with the address that is on my Discover account or an official birth certificate. I am 19 going on 20 years old and they have frozen my funds and will not work with me to, not only get them back, but also give me an explanation for why they froze my funds. I have called them twice. The first call was 43 minutes and the second call was one hour and eleven minutes. During the second call, I had to talk to five people to explain the same thing. My grandmother was on speakerphone with me and we couldnt get any answers and they still have my account frozen. My next paycheck will go to them if I cant get ********* to change they way they pay me before they send it. I need my paycheck! We did tell them that I have the envelope for ATT with the correct address because **** placed the correct address on the envelope. Discover would not accept that either.

  

  Business Response

  Date: 08/29/2022

  Please see attached.

• Initial Complaint

  Date:08/22/2022

  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 had recently joined Credit Karma, and they suggested that I would have an "outstanding" chance of obtaining a Discover card. My mother also recommended Discover since she has a card also. So I applied online and was approved, then on August 8, 2022, informed that I would receive my card in 5-7 days. I was so excited and then I started getting more emails about online benefits, checking my credit line online, and that my card would arrive soon (1-3 days). I received my card on August 15th and activated it that evening. I needed to get my oil changed in my vehicle before going on a short road trip, so I used the card that same day at Valvoline. Then, after I was charged, the technician recommended a radiator flushing, so I decided to get that done while still there. So, my Discover card was charged again. Both of those transactions were on my statement. I am a college student and was looking online for a textbook that was on backorder at *************** I didn't think anything about it when the website wouldn't take my card online. But Saturday, August 20, I went to ***'s Club to get gas and it declined my card. I had to use all the money in my checking account to get gas. Then later, I took my car to the carwash for my trip, and it declined again. I was so embarrassed because I had other cars lined up behind me and had a hard time maneuvering to get out of the line. I pulled over and immediately called Discover and was informed that a fraud block was put on my card and that I needed to verify my ID. It was very difficult finding a notary on a Saturday afternoon, but I did and sent all the information that they required. The notary even talked to the Discover agent because she did not understand one area. The block still has NOT been lifted and I was informed today that it could take another 10 days. Why doesn't Discover verify identification BEFORE they send you a card, and before you use it? I have no money, no textbook for class, and all I get is apologies.

  

  Business Response

  Date: 09/20/2022

  Please see attached.

• Initial Complaint

  Date:08/22/2022

  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.

  In July of 2022, I decided to open a checking account with Discover Online Banking. I deposited two checks via mobile deposit. While waiting for the waiting period so that I could use my debit card, I received an email July 19, 2022 stating that they have noticed unusual activity on my account and that for security purposes they have suspended the account and to call them. I called and was told that it was closed as a business decision and they that they are not at liberty to tell me why. I demanded they return my money but they said they have to confirm the funds with the bank. They called and they said they could not confirm it and I would have to wait 60 days. This money is from my workers compensation. I called my case manager for workers compensation to see if they could stop payment and reissue the check to me. She was unable to because her system showed that had cleared from their bank already. The money is not a commodity for me, it is a need to pay my bills and such.

  

  Business Response

  Date: 09/07/2022

  Please see attached

  Customer Answer

  Date: 09/07/2022

   
  Complaint: 17751776
  
  I am rejecting this response because: I have not received the money and no agreement to return it. I can't help feeling like I am a criminal as they are essentially doing this but calling it a business decision. It disgust me knowing that a big business such as Discover can push around the lower class who live check to check and just say...ohhh, "It's a business decision" and there is nothing you can do.
  
  Sincerely,
  
  ******** ***

  

  Business Response

  Date: 09/16/2022

  Please see attached

• Initial Complaint

  Date:08/22/2022

  Type:Product 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.

  On May 26, 2022 I filed disputes against ***********************************, owner of Zadeh Kicks, LLC for purchases of shoes made on my Discover card that were not delivered. I had been ordering from Zadeh Kicks, LLC for nearly 5 years and then suddenly ************************ petitioned the ***************** in ******, ** to dissolve the company leaving many with outstanding orders not to be fulfilled. I have asked Discover to refund my money on the orders that weren't filled and they refused all except one because they said I had to be the one to provide shipping documentation. It is my understanding after speaking with PayPal that this information has been sent to Discover as part of the chargeback process, but the Discover rep told me that they did not have to take anything not sent in by me into my consideration. I have tried to get this information from PayPal on my own and if all options are exhausted I will be forced to go the legal avenue to prove that I did not get the items. I have been spun around and passed from person to person since the day I filed the dispute and not treated like a valuable customer. I would like my disputes resolved in my favor. Thanks ************************* 1. Case 17802180D $13,465.00 2. Case 279302321K $600.00 3. Case 078084075W $450.00 4. Case 160902070U $500.00 5. Case 982745144K $615.00 6. Case 309487480K $385.00 7. Case 489459180D $490.00 8. Case 912200180D $555.00 9. Case 688420180D $2894.40 10. Case 171669180D $928.00 11. Case 979601180D $455.00 12. Case 802569180D $245.00 13. Case 442834180D $255.00 14. Case 224144843Y $330.00 15. Case 385052180D $141.00 16. Case 197398700P $374.34 17. Case 349762180D $2246.40 There were 18 total cases with one being paid in my favor and 17 outstanding. I find it disappointing that other card companies will do the right thing and stand behind their customers while Discover turns a blind eye to this type of fraud and let their customers bear the full weight of what has happened as if they care less. Do Right!

  

  Business Response

  Date: 09/08/2022

  See attached.

  Customer Answer

  Date: 09/16/2022

   
  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:08/22/2022

  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 opened a Discover card in march 2022. It worked until 6/2022. I was then sent a request for a IRS transcript to be processed through Equifax. I completed this request the day I received it 6/24/2022. I was then told wait **** days for us to get your return back. I waited. Then on day 14 I was told sorry they are behind give it 30 days. I did. Then I was told Give it 2 more weeks. I did. Then today day 60 I was told sorry we still dont have it back. I asked what can I do? I can see my transcripts on IRS can I upload one for you? NO. Can a supervisor help? NO. Can you do another form? NO. Can you reach out to Equifax to ask them what the problem is? NO. I said I just bought a house and the mortgage company got it back in 24 hours. So, how come you all cant? "THEY ARE UNDERSTAFFED". Really? Okay well So you have opened an account. Let me use it for 2 months. And now its frozen until you get this form back. So, if I close this card it effects my FICO score. So, you have me over a barrel. So, when do you think this will be done? Maybe 6 months or so.... REALLY. RIDICULOUS

  

  Business Response

  Date: 08/25/2022

  Please see attachment