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

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15163 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15192 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:08/12/2022

  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.

  I applied for a credit card through discover for balance transfer of 3 of my credit cards. They did not approve me for an amount to cover all 3 of them. There was no communication about what would happen besides what my credit limit was.I qualified for a personal loan that was large enough to buy out all my balances to consolidate everything in to 1 payment which my whole reason for applying for this credit card in the first place. Flash forward 2 weeks and apparently discover paid random amounts to 2 of the credit cards without my authorization. However there was no balance on either card anymore so all of the funds went to a credit on those accounts. I spoke to customer service with ********************** about this but he was not helpful in the least at resolving this. He said there was nothing to do now that they payments have posted and they charged a balance transfer fee even thought they did not transfer any balance. There was nothing anywhere that stated if you weren't approved for the full amount you were asking that they would just pay out what you did qualify for. That is not a balance transfer. For a balance transfer the full amount is transferred. This is a deceptive business practice. They then proceeded to charge me 2 balance transfer fees for the so called transferred. I spoke to customer service for the 2 companies ********************** gave the funds to and they gave me my money back so I can pay it towards the new credit debt discover charged me fraudulently. Discover will not wave or reverse these balance transfer fees that total almost $200, which as mentioned above, they didn't transfer any balance.

  

  Business Response

  Date: 08/15/2022

  Please see attached 

  Customer Answer

  Date: 08/17/2022

   
  Complaint: 17710355
  
  I am rejecting this response because: they did refund/credit me for the extra balance transfer fees even though there wasn't any communication about since I didn't qualify for the full transfers from my accounts. It's about $170 that a massive corporation should be willing to help out a customer because they didn't committed appropriately. I will be paying this off asap and closing the card. 
  
  Sincerely,
  
  *****************

  

  Business Response

  Date: 08/24/2022

  Please see attached 

  Customer Answer

  Date: 08/27/2022

   
  Complaint: 17710355
  
  I am rejecting this response because: they did not resolve my complaint or even try to meet me halfway. They did not make it clear in the least that a 'partial' balance transfer(which doesn't make any sense) would be fine if you didn't qualify for the full amount of asking. I was simply asking for fees to be waived
  
  Sincerely,
  
  *****************

• Initial Complaint

  Date:08/12/2022

  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.

  I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name DISCOVERBANK Balance $1,746.00 Account Number ************

  

  Business Response

  Date: 09/06/2022

  Please see attached 

• Initial Complaint

  Date:08/12/2022

  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.

  The complaint alleges the violations of the Consumer Financial Protection Act of 2010 (CFPA); 12 U.S.C. ****, 5536(a), ****, ****; and the Fair Debt Collection Practices Act (FDCPA); 15 U.S.C. 1692-1692p; in connection with debt collection act and practices. 15 U.S.C. **** section 602 A. States I have the right to privacy. 15 U.S.C. **** section 604 A. Section 2: it also states a consumer reporting agency cannot furnish an account without my written instructions. In accordance with the Fair Credit Reporting act (FCRA); DISCOVER BANK, has violated my rights. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt DISCOVER BANK at ***************************************************** a collection/charge off account balance of $1,275.00. The collection/charge off has been reported to my credit report. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature. I demand that this be removed from my credit report, and to not have it put back on in the future.

  

  Business Response

  Date: 09/12/2022

  Please see attached.

• Initial Complaint

  Date:08/12/2022

  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.

  I have been trying to file a fraud claim for the past week now . Discover has bad sources of communication when you try to emessage them they give you same automated message saying to call. When you try to do live chat its unavailable each time what is the point of having it ? I tried to call like I was told on hold for an hour no one comes to the phone customer service is no help Etc. All Im trying to do is file a fraud claim for transactions CASHAPP in the amount of 400$ on 07/22/2022 and Target #****-G9 in the amount of 300$ on July 24,2022 . I have spoken with the sources as of where it took place as I did not authorize and they are unable to help and I was told I need to file with my bank . My account t number is **********.

  

  Business Response

  Date: 08/26/2022

  Please see attached

• Initial Complaint

  Date:08/12/2022

  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.

  I filed a dispute about ********************** and DISCOVERY Credited me ****** making me think I had over paid when I had made a ******* payment on my card. ********************** refunded my money faster then DISCOVERY completed there investigation witch was on Aug 11 2022 and now they say I owe them ****** in the negative because of there negligence. This is unfair among other things. Why would you give me a credit with credit when no real money was actually received by either me are ***** ****************. I feel this was done on purpose to put me in a high negative state of owing DISCOVERY money that would be difficult for me to pay off witch now will hurt my credit score because im over 30% of my usage rate. This is ridiculous and a manipulation of credit to debt scam to get people deeply in debt. I pay my credit cards off and dont like leaving a balance. You wait this long after ***** Technologies has already refunded my money to tell me I owe you money for a credit I was not even aware of. How can you give credit for credit to pull real money from people and put them in debt completely neglect and unfair practices.

  

  Business Response

  Date: 08/18/2022

  Please see attached. 

  Customer Answer

  Date: 08/21/2022

   
  Complaint: 17707291
  
  I am rejecting this response because:
  You're response by phone was ********. Why don't you accept responsibility for your negligence and

   tell the BBB you're response so they can see it. But hey who am my to say what is not right with a multi billion company tells  basically tells me f*** you we do what we want.
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 08/23/2022

  Please see attached. 

  Customer Answer

  Date: 08/26/2022

   
  Complaint: 17707291
  
  I am rejecting this response because:
  You still did not respond to question of stating your decision on paper/email.
  What are you trying to hide.
  

  Sincerely,

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

• Initial Complaint

  Date:08/11/2022

  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.

  Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

  

  Business Response

  Date: 08/31/2022

  Please see attached.

• Initial Complaint

  Date:08/11/2022

  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'm so frustrated with Discover Student Loans. I am currently a student, and have been a student for the past year and a half at least. They randomly decided, two months ago, to take me off of an in-school deferment. They claimed that the National Student Clearinghouse reported me as less than a half-time student. I checked the National Student Clearinghouse myself. One of the customer service agents eventually checked also, and they reported that the Student Clearinghouse shows that I am a three-quarter time student. Discover automatically goes by the National Student Clearinghouse, updating my account. They refuse to put me back on an in-school deferment without me making a request. When I go to make a request, my school, ********************, isn't even on their pre-made list. I can't make a request as there's no "other" option. I'm beyond frustrated. I just need Discover to do what they say and go by the National Student Clearinghouse and put me back on an in-school deferment. I'm literally a student, as proven by the National Student Clearinghouse. There's nothing I need to do, as Discover made a mistake.

  

  Business Response

  Date: 09/06/2022

  Please see attached

• Initial Complaint

  Date:08/11/2022

  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 currently owe Discover Card over $16,500, in which approx. $7,500 is at an APR of *****% and over $9,000 is at an APR of *****%. I have called Discover Card and requested a hardship lowered APR rate, in which the Discover Card representative at first gave me two options in paying my outstanding balance at a much lowered APR, which I said I would call back after a couple of days to think which option might be best for me. And before I knew it, Discover Card sends me an email to check my messages via their website and they outright denied my request for a lowered APR. Although they have every right to charge me whatever unfair APR rate they choose, all I can think of is the history related to post slavery. Shortly after slavery was abolished here in the good ******, prior slave owners gave the freed slaves the right to leave or work their fields. But the cruel aspect was that the freed slaves were worse off because they where monetarily charged for everything (food, housing, clothing, tools, work animals, and some medical care), which kept them in constant debt that they would not escape until new laws were written or they escaped to the north. And in my unfortunate situation with Discover Card's high APR, they are behaving just like the old / cruel slave masters that kept the freed slaves in outrageous debt. At this point, I am requesting Discover Card not to behave like the cruel, shameful, and inhumane prior slave owners and charge me a fair APR in order for me to pay my outstanding balance ASA(humanly)P especially since my credit rating (although down from a high of 8.xx) is over 7 and I have had Discover Card for decades.

  

  Business Response

  Date: 08/25/2022

  Please see attached. 

• Initial Complaint

  Date:08/10/2022

  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.

  Discover Bank uses unfair lending practices to deny credit to consumers. I applied for a debt consolidation loan and was instantly approved. After completing the application, authorizing them to complete the hard pull on my bureaus, and providing my account information for the accounts I planned to pay off, I was informed by the rep *** that my loan was declined. As a licensed lender, I was surprised that my loan application was declined since I have exceptional credit history and the means to repay the loan but the reason does not make sense from a lending standpoint. I am a victim of identity theft and have alerts on all of my bureaus that state whenever a credit inquiry is to be made on my SSN, I am to be contacted by phone (at a number I have had for over 20 years) for verification which I have never had any issues with until today. I was told that when my bureaus were pulled, my phone number is not reflected in the fraud alert (which I know is there) and that Discover is protecting me, the victim, by declining the loan. I have never heard of such a reason in all my years as a lender and there is no secondary procedure for a person who is a victim; the rep also mentioned that Discover was having issues with the format of their reports that they received on the recorded line. I made this post because I feel that Discover is using a bs excuse to unjustly deny credit to those who qualify according to their matrix and is horribly designed to promote prejudice for people who did not choose to be victims but chose on the other hand to protect themselves. I also personally called the bureaus to verify my alerts and the information listed within the statements only to be proved correct as I am very organized and aware when it comes to handling my credit. I plan to report them to the **** because this policy does not align to any regulation in the terms of granting credit or how it affects victims of identity theft.

  

  Business Response

  Date: 08/12/2022

  Please see attached customer response letter

  Customer Answer

  Date: 08/15/2022

   
  Complaint: 17700840
  
  I am rejecting this response because:

  
  

  I submitted my claim with **** after I contacted the BBB and have yet to receive a response; once contact from the **** has been made, I will make a decision regarding my BBB claim. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 08/29/2022

  Please see attached customer response letter

• Initial Complaint

  Date:08/10/2022

  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.

  1.I have never had an account with this company DISCOVERBANK ************, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code ****a (3) 3.This letter is in pursuing 15 U.S. Code ****c (c) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code ****a (3) You are DISCOVER BANK the debt collector ***************** (5) I am invoking specified remedies under use 15 U.S. code ****c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code ****c (c) (1) 5.I am the executor under the 15 U.S. Code ****c (d) pursing to 15 U.S. Code ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code 1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. **** U.S. Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ***** U.S. Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of (1) (2) (A) (B) (3)

  

  Business Response

  Date: 08/11/2022

  Attached