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:08/10/2022

  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.

  On Thursday, August 4th, 2022, I attempted to log into my Discover Bank checkings account to review a payment that I processed for an upcoming bill. I immediately saw a message that my account had been frozen - pending closure, due to suspicious activity, and that I needed to contact a representative immediately. I contacted Discover Bank and was told by a representative that my account had been frozen, pending closure due to suspicious activity, but they were unable to provide me with the reason as to what information they had that was deemed suspicious. Both my checking and saving accounts were frozen. I had an **************** credit card payment that was scheduled to be paid from my checking account, and without any notice from Discover Bank of their intentions to close my account, that payment was returned and is reflected as a late payment on my credit report. So, this decision to freeze and close my checking and savings account has not only inconvenienced me but will now affect my good standing credit report and be reflected as late payment by a creditor. Discover Bank has not provided me with any reason as to what they suspected was suspicious activity on these accounts, nor did I report anything that I may have thought was suspicious. I've used my accounts to receive my direct deposit, pay bills, deposit checks, and other everyday banking necessities; so, I am very disgusted that Discover would freeze these accounts if there was nothing nefarious occuring on these accounts. The available funds in my account that I intended to use to pay my monthly credit card payment were returned to Discover and are now being held, causing my credit to take a plunge because of this poor management decision.

  

  Business Response

  Date: 10/03/2022

   Please see attached response.

  Customer Answer

  Date: 10/05/2022

   
  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:08/10/2022

  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.

  DISCOVER bank is required under the **** to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they "verified" that these items are being "reported correctly"?Who verified these accounts?DISCOVER has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it) as required under Section 609 ********* ********* 611 *********. Furthermore they have failed to provide the method of verification as required under Section 611 (a) (7)...I was sent an account statement which does not provide any validity of this account.

  

  Business Response

  Date: 08/10/2022

  Attached

• Initial Complaint

  Date:08/09/2022

  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 have recently been a victim of account takeover. My account with discover had multiple unauthorized transactions post to my account from July. Among those transactions was transfers to an account belonging to my brothers girlfriend, who was then arrested. However, even after that, I continued to deal with fraudulent transactions. My card was used to withdraw from ATMs and somehow my Apple ID had been compromised, causing my text messages and calls to be forwarded to an unknown number. I assume because of this, my accounts were able to be accessed by someone else. I also was informed that *********** had been rerouted to an account not belonging to myself. I also noticed several accounts on my credit report that I did not open. I have been hit really hard by whoever has done all of this and DISCOVER thus far has been fairly good about helping. However, after the thief drained my accounts at ATMs, I was informed that I could not receive my money back due to the use of pin. I have called the police multiple times and have multiple police reports regarding these incidents but it appears that Discover will hold you liable if someone happens to know your personalized pin, regardless of whether or not the thief set the pin themselves due to account takeover. Obviously, whoever is doing this, it has to be someone who is familiar with me enough to know about *********** and their origin, along with personal information. However, I do not feel it is fair that I am being held liable simply for being unaware that someone close to me was conspiring to steal from me. It has been over a week since I have notified DISCOVER these transactions and it doesnt look like I am going to ever get my money back. Because of this, along with rerouting ***********, my family and I are being evicted from our home. I wish I would have been more careful about who Ive allowed in my home but I also wish I had entrusted my money with a different bank, as then I would not be in the situation I am.

  

  Business Response

  Date: 09/06/2022

  Please see attached. 

• Initial Complaint

  Date:08/09/2022

  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.

  My ***** ********** account was frozen due to alleged debt from discover. My daughter Is a authorized user on my account. The alleged ********************** debt is associated with my daughter. All the money in the account is mine. I have received no paperwork providing any proof of this alleged debt or association with me. I need access to my money ASAP! Discover has no reason to freeze my accounts and I want them unfrozen now. My daughter is willing to commit to a payment plan after the debt has been verified accurate and true.

  

  Business Response

  Date: 08/31/2022

  Please see attached.

• Initial Complaint

  Date:08/09/2022

  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.

  I submitted a case to the BBB (********) which was taken care of and completed. The day after I sent the confirmation, Discover added $9116.73 back on to my account stating I owe it. Which in fact Discover took $9116.73 from my checking account previously; once from a check, the 2nd from ACH. I can not get anyone from **************** to review to explain why they are charging me for the funds they removed from my account.

  

  Business Response

  Date: 08/31/2022

  Please see attached

  Customer Answer

  Date: 09/06/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ******** and find that this resolution resolved after multiple attempts with **************** and having to escalate this issue twice.  Unacceptable and unprofessional of how the issue was resolved.
    
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/08/2022

  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.

  On the 27th of July I mobile deposited a cashiers check of $5890 into my Discover BANK account. On the 28th I got a notice that the account was being frozen for suspicious activity. Upon calling expecting to just provide proof of funds or whatever that was needed, they told me there was nothing to do and that the account will remain closed. Okay - whatever. I don't care if they do not want to do business with me, but to hold my share of my next 5 months rent for 60 days with absolutely 0 reason? I can't even see the funds and the business refuses to speak to me or explain anything. How is this okay and not theft? 2 weeks ago the supervisors on the phone promised a call back after "escalating" my complaint, when no call back occurred I had to call them again, to which I was again told they would get back to me. I warned them I would be at work and asked how I would be certain they'd call me back, and they provided nothing. 2 days pass (Friday the 5th) and sure enough, a call when I'm at work. I called back Monday the 8th and they told me that the notes on the account basically say too bad, you'll have to wait 60 days with no answers. They tell me that they themselves cannot do anything and have no answers. Why can't I be put in touch with a department that does have answers? A literal tiny misunderstanding that I would be happy to provide proof for to the right person has turned into a nightmare and has showed such shady business practices of Discover Bank. Discover Bank, I don't care if you don't want to do business with me, I will happily take my business elsewhere, but please, please do the right thing and have the proper department get in touch with me so we can go about properly returning my stolen funds within a reasonable time period (a few business days), not 60 days. I'll provide a snip-it of my *********** statement where the funds came from. (note it says $5900 because Truist deducts a $10 cashiers check fee). If anything else is needed please contact me.

  

  Business Response

  Date: 09/01/2022

  Please see attached response

  Customer Answer

  Date: 09/06/2022

   
  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:08/08/2022

  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.

  Since 2021, Discover has been billing me for an unauthorized ********* product. We have tried multiple times to resolve this issue directly with Discover and they indicated there is nothing they can do. Additionally, I have not purchased this product from *********. To make matters worse, we closed our credit card account, with Discover, on January 7, 2022, due to this problem. They still are sending me bills for this ********* product, that I have not authorized nor is the account open. They cannot bill me for an unauthorized charge on a closed account. Discover is also adding interest charges and I don't want my credit report affected.

  

  Business Response

  Date: 08/16/2022

  Please see attached. 

• Initial Complaint

  Date:08/08/2022

  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.

  My ***************************************** was GRANTED and accepted with FULL SCHOLARSHIP At UCONN in 2009 and graduated in ************************************************* Discover Student Loan. I Always contacted my loans for my 4 kids through US **** of **** When I started receiving some flyer from Discover, at first, I taught it was kind an advisement, but when I saw my full name and my daughter names, we called them several times and they promised us that they will fix this mistake, until today where they flagged my account on my CREDIT REPORT on the credit bureau and my score dropped 143 points. This caused my youngest daughter who is senior at ***************** this year 2022/2023 to miss the payment due on 7/26/2022 this first semester through my PARENT PLUS LOAN to be denied for the first time for my 4 Kids; that's when I found out what was going on and went to look at my credit report. This incident is considered FRAUD because I never contacted any loan from Discover and don't know how they got all my information in the first place. After this forfeiture and all the damage that they're causing on my credit report and my kids' education, it has to be fixed immediately and my daughter this semester college be paid as damage and interests caused in this issue. On 7/31/2022 my daughter ************************* called Discover Student Loan one more time to put them on notice for a grave wrongdoing they just caused, and they said that they are going to fix the issue on my credit report, I'm still waiting for that report to be cleared and the damage caused to be fix and paid. This is the fraudulent Customer Number: ********** Phone *********** that the attributed to me and 5 loans numbers unknow to me. Loan Number 1# *************** =$9,216.49; Loan Number 2# *************** =$18,743.70; Loan Number 3# *************** =$5,618.93; Loan Number 4# *************** = $11,064.50; Loan Number 5# ************** = $12,097.84. This is truly my statement and I do so swear.

  

  Business Response

  Date: 09/01/2022

  Please see attached

• Initial Complaint

  Date:08/08/2022

  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 charged $450 on my Discover Card on 6/1/22 to **** *************** of ******* Medicine) to take a test to get Board Certified in November 2022. In the next day or two, I found out someone was using my Discover Credit Card ending in # **** and Discover and myself started a fraud claim (since resolved). (My new Discover Credit Card ends in #****). Discover inadvertently included by **** $450 in the fraud claim, despite me going through all charges on the card with them. This was not supposed to be included. Soon, the **** Director wanted to know what happened to my payment as it was on hold. Once I figured out that Discover had put a hold on the purchase, on 6/17/22 I asked Discover to release the money back to **** and get it off hold with the fraud claim. Discover did this, but it was too late and the **** cancelled the purchase on or about 6/19/22 and asked me to repay. **** verified that I was credited back to Discover on 6/23/22. To avoid any confusion AND to meet the test deadline of 7/15/22, I secured an **************** Credit Card and paid $450 for the test to **** with my **************** on 7/4/22. After MANY discussions with Discover, even sending them emails from the merchant with proof, AND the fact that the test is not until November 19, 2022 and they could simply remove the charge, they refuse to take the charge off of my account. Discover is ruining my reputation as a problem candidate to ****. This has been a horrible experience, initiated by Discover by including this $450 charge accidentally in a fraud claim (their mistake), then continuing to be resistant to any type of ethical behavior. I would like the $450 to be REMOVED off my charges, AS WELL AS, any associated INTEREST or LATE FEES. I have excellent approximately 800 credit score, and I have never encountered something like this from any credit card company in the past. I am hoping that starting with a BBB Complaint resolves the issue first before moving onto other means.

  

  Business Response

  Date: 08/24/2022

  Please see attached.

  Customer Answer

  Date: 08/30/2022

   
  Complaint: 17685711
  
  I am rejecting this response because:  On 8/26/22, I discussed this case via phone with ***** at Discover's ****** of ******** Advocacy at ************.  ***** informed me that they could not credit my Discover Credit Card after she had reviewed all of the documents that I had sent proving the credit is due and the merchant had refunded the money to Discover. ***** asked me to obtain more information from the merchant (ABOM - ************** of ******* Medicine) including that:  a Credit is Due, to my Discover Card, including the last 4 digits of my card, effective date of the credit, and the specific dollar amount due.  ***** said when they received this information, the account would be credited. 

  I reached out the merchant and was able to provide this information.  I forwarded the merchant (****'s) email to Discover on Monday 8/29/22.  I followed it up with a phone call and discussed this with ******. ****** informed me that she does see the email I sent, but that ***** was too busy to talk to me, but ***** would call be back later that day, yesterday.  I received no phone call.

  I called again today 8/30/22 and again discussed this case with *************  ***** would not discuss the matter with me today.  ****** did talk to ***** and confirmed that she received the information (attached email).  ***** is now not able to credit my account as promised on 8/26/22.  ****** has informed me that ***** has now sent the information to the Dispute Department.

  Meanwhile, Discover is now charging me interest on this $450 that was credited back from the merchant in June.  I feel this is fraudulent.

  
  Sincerely,

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

  

  Business Response

  Date: 09/23/2022

  Please see attached.

• Initial Complaint

  Date:08/07/2022

  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.

  In October of 2021, an account I had was hacked and taken over. This was a wide spread attack and many users had their accounts taken over and had fraudulent charges over $1000 put on their accounts. Because my account had my discover credit card linked to it via paypal, my credit card got charge $1000. I immediately called discover and reported it as FRAUD. They claim they have protection against fraud, however since disputing they've done nothing but run around in circles over the course of 8 months refusing to communicate through anything but mail. They decided the charges were valid and that ****** claimed the charges were valid. This a lie, i spoke to paypal and they said the charges were not valid and reported as fraud, the merchant were my account was hacked sent out emails acknowledging the hack. Discover is lying and refusing to follow their policy of protection against fraud. There fraud department is also incredibly rude and care nothing about customer retention. They could care less that a felony theft was committed on their credit card and shouldn't be allowed to operate as a credit card company because they offer zero accountability and zero fraud protection. I've attached proof of the hack and paypal saying its fraudulent and they never told discover it was a valid charge.

  

  Business Response

  Date: 08/24/2022

  Please see attached.

  Customer Answer

  Date: 08/26/2022

   
  Complaint: 17684438
  
  I am rejecting this response because: I received no calls. I replied to the email that was sent to me a weeks ago and didn't get a reply. Although $80 was recredited, I'm still missing $1,000 which was the main fraudulent charge. Both the merchant, and the payment processor say the funds should have been sent back to discover and yet discover claims that the fraudulent charge was valid and there is no proof despite the written responses from all other parties saying it was fraudulent and saying it was sent back. 

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

  

  Business Response

  Date: 09/08/2022

  Please see attached.

  Customer Answer

  Date: 09/12/2022

   
  Complaint: 17684438
  
  I am rejecting this response because:

  I still have yet to received a call, however, I still haven't received credit back for a fraudulent charge that I provided ample proof of its fraudulence since you team couldn't be bothered to contact the merchant yourselves. Furthermore, I have continued to reply to your emails and I have to receive a single response. I've attached both to show your unresponsiveness. This behavior along with your complete refusal to investigate a blatantly fraudulent charge is leading me to believe you are doing this on purpose and its not just incompetence. So glad to know that my bank is not only incompetent but its also deliberately robbing me of $1000. 

  
  

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