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.

close

Find a Location

Discover Financial Services has 43 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Discover Financial Services

  2500 Lake Cook Rd Riverwoods, IL 60015

  
• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 1011 Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15158 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15163 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:06/13/2025

  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 am filing this complaint to address a serious issue with how Discover mishandled a name update request, which has led to incorrect account ownership, failure to report to credit bureaus, and significant credit score damage.I requested a name update prior to August 2024 for myself and my wife:My name: ****** S ****** ? ******* S ****** My wifes name: **** H ****** ? Nehaa ****** I submitted all documents via Discover's secure portal. However, by the August 4 September 3, 2024 statement, the account began listing Nehaa S ****** as the primary holder. Prior statements (e.g., July 4 Aug 3, 2024) correctly showed ****** S ****** as the primary.Discover appears to have mistakenly removed me as primary and reassigned ownership to my wife, who was only an authorized user. I contacted ********************** multiple times but received no ************* February 2025, I paid off a balance of $11,325 on this card (limit ~$13,500), expecting a utilization improvement to reflect on my credit. But Discover stopped reporting activity under my name, and this payoff is not appearing on my credit reports.On June 1, 2025, I spoke with a supervisor who asked me to re-upload all documents. I promptly did so including statements, ID, and credit bureau reports. However, since then, the supervisor refuses to speak with me, stating they will only contact my wife, despite me being the rightful primary holder until their internal ******** credit score has now dropped to 636, showing 84% utilization, which is incorrect and severely hurting my ability to refinance.Requested resolution:Reinstate ******* S ****** as primary ************* the February 2025 payoff to all credit bureaus under my profile.Provide a formal written response and correction timeline.This matter has dragged on for months and is causing undue harm to my financial reputation. I urge Discover to correct this immediately.

  

  Business Response

  Date: 06/23/2025

  Please
  see attached.

  Customer Answer

  Date: 06/27/2025

   
  Complaint: 23466488
  
  I am rejecting this response because:

   

  Thank you for the interim response. I respectfully reject it as incomplete.
  Discover confirmed that my account was paid in full and acknowledged an error in how they reported it to the credit bureaus. However, they did not commit to correcting the historical reporting (i.e., the inaccurate high balance reflected on my ********** report for several months), nor did they provide a backdated correction to reflect the actual date of payoff in February 2025.
  This incorrect reporting caused a material drop in my credit score, which impacted time-sensitive refinancing efforts. I am not seeking monetary relief only an accurate update of the payment history and balance reporting to all three bureaus, including:
  Backdating the "paid in full" date to the actual payment date in February 2025.
  Removing or correcting any negative utilization metrics that remained due to this delay.
  Removing the "account in dispute" notation if no longer applicable, as I have resolved the matter and no longer wish the account to reflect a dispute status.
  I ask that Discover confirm whether they will provide this correction and when ********** and other bureaus can expect the revised data.
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 07/03/2025

  Please
  see attached.

  Customer Answer

  Date: 07/06/2025

   
  Complaint: 23466488
  
  I am rejecting this response because:

  I am writing to formally reject Discovers response to my BBB Complaint ID: ********, as the matter remains unresolved and materially impactful.
  Key Facts:
  My Discover Card account ending in 7998 was fully paid off in February 2025 with two large payments: $630.09 on February 25 and $9,900.00 on February 28.
  Despite this, Discovers reporting to ********** still shows the balance being resolved as of June 6, 2025, over 90 days late.
  I provided clear documentationincluding Discover statements and confirmation of the paymentsyet Discover has not ensured correction of the date with TransUnion.
  Their claim that they cannot change previously reported data due to "factual representation" is misleading; they are legally responsible to report accurate and timely updates, and they do so routinely across other accounts.
  They also acknowledged the dispute but removed the "dispute remark" without ensuring correction of the payment timeline, which continues to depress my credit score.
  Request:
  I am requesting that Discover:
  Report the accurate date of full payment (February 28, 2025) to ***********
  Issue confirmation in writing that this correction has been submitted and accepted.
  This inaccuracy is materially harming my creditworthiness during a time-sensitive refinance application. I am asking for BBBs assistance in holding Discover accountable for their obligations under the Fair Credit Reporting Act (FCRA).

  
  Thank you for your continued support in ensuring this matter is properly resolved.

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

• Initial Complaint

  Date:06/13/2025

  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 June 2025, I discovered that a credit card account with ********************** was fraudulently opened using my identity. I did not apply for, authorize, or use this account, and I have never had any association with Discover.The account was opened on November 16, 2020 as a credit card account. This account was created without my knowledge or consent and is a direct result of identity theft.I do request that Discover immediately delete and block this fraudulent account from any and all credit reporting in full compliance with the Fair Credit Reporting Act. This account must be permanently removed.

  

  Business Response

  Date: 06/27/2025

  See attached response. 

• Initial Complaint

  Date:06/13/2025

  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 booked a hotel stay on a website and charged the stay to my Discover credit card. The hotel stay was to take place on 3/28/25 and was booked on 2/23/25. Upon noticing the full charge of the stay came through my credit card on 3/25/25 I immediately called the vendor (************) - 72 hours prior to the hotel stay - to cancel dispute the charge as I had not realized it was a non-refundable paid upfront hotel charge. It is customary to be able to cancel hotel reservations 24 or 48 hours prior to the stay. I was unable to reach the a person at the vendor (************), only computerized customer service which allowed me to cancel my reservation. The ************ site was very deceptive in my opinion and designed to look like the ************** site. Also on 3/25/25 I called Discover to dispute this transaction and at that time they said they could do nothing since the time of the stay had not occurred yet. I called back after 3/25/25 and Discover issued me a credit. A month later they reversed my credit and sent me paperwork showing the charge was non-refundable. I always believed that using my Discover card would offer me some form of protection against "shady" online practices such as this. At the end of the day I was charged an inflated price (several hundred dollars more than I wound up paying directly to ******** after re-booking with the correct vendor) even though I cancelled and did not use the reservation *********************************** a word, unbelievable. I have been a loyal Discover customer for well over 20 years and have always promoted them to family and friends as a reputable, honest company. I am extremely disappointed that Discover Card was not able to offer me any protection against this deceptive practice in my opinion. Needless to say I will search for a better credit vendor for future protection is this is not resolved by Discover.

  

  Business Response

  Date: 06/24/2025

  Please see attachment.

• Initial Complaint

  Date:06/13/2025

  Type:Sales and Advertising 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.

  A fraudulent charge had been made on my Discover card. This charge was for *****. We do not own a computer and have no reason to purchase anything from *****. This charge is made over multiple months, and I just caught the charge being made in the spring. We closed the account, and ********************** put us through to the fraud claim department. They refunded us the money that we were charged. The fraud department just called us back this morning stating that because we continued paying our Discover bill after the fraudulent charges were made and my husband had used the card to purchase me a massage, again after the charges were made, that we were liable for the fraudulent charges. I asked The fraud specialist on the phone. Why me paying my bill and my husband buying me a massage makes me liable for multiple fraudulent charges? He was unable to answer that question. He was only able to read what was on the screen.

  

  Business Response

  Date: 06/16/2025

  Please see attached

  Customer Answer

  Date: 06/18/2025

   
  
  Complaint: 23464709
  
  
  
  I am rejecting this response because:

  First and foremost, we are waiting for Discover to do their second investigation into the matter. This may take up to 30 days, and the investigation is not complete yet. 

  I spoke with a man in the fraud department of Discover on Friday, June 13th. He was unable to answer my questions regarding the reasons provided by Discover for why we are liable for the fraudulent charges. I requested to speak with a supervisor, investigator, or someone who could answer my questions. He said he put in a request for a supervisor to call me back after 1:00 PM. I requested to wait on the line for a  supervisor. He allowed me to wait for a little while, but then told me that he would have to disconnect because there was no supervisor available and he had other customers. He ended up disconnecting the phone call despite my request to stay on the line. I decided to wait until after 1 for a return call from a supervisor. After no return call after 3 PM, I called Discover back. I spoke with the same person a second time. He was still unable to answer my questions. He again told me I was on the callback list for a supervisor. I was not called back until Tuesday, June 17th, and they did not call the phone number requested. I ended up having to call the automated number and speak with multiple people before being forwarded to an investigator. I asked her the same questions I asked the man on Friday:

  1) Discover claims that because the card was used online after the fraudulent charge was made that this makes us liable - this is despite the fact that we were unaware of the fraudulent charges and continued using the card as normal. Discover cited a charge for a massage as the online purchase which makes us liable for the fraudulent charges. How is the charge for the massage related to the fraudulent charges from Adobe? How does purchasing a massage make us liable for the fraudulent charges?

  2) Discover claimed that since we continued making payment toward our card, again despite us not being aware of the fraudulent charges, that this makes us liable for the fraudulent charges. I asked if Discover expects their customers to pay their monthly bills? Of course we paid our bill. We were unaware of the fraudulent charges, so we made our monthly payments toward our account as normal.

  The woman I spoke with on Tuesday was still unable to draw a connection between the massage and the fraudulent charges, but at least she wasn't just reading a response from a computer screen. She said the two reasons listed above don't seem as though they would be valid reasons to make us liable for the fraudulent charges. She expressed that hopefully the second investigation would result in us not being found liable.

  I also brought up that I had tried to do a little investigating myself. I figured that IF we had accidentally purchased the Adobe software, then we must have an account. I went to the Adobe website and attempted to recover a password. The usernames for the website were email addresses, so I tried every email address we have and was unable to recover a password or login to the site. This is because WE DO NOT HAVE AN ACCOUNT WITH ADOBE. I was appreciative that the woman I spoke with on Tuesday said she would add this to the information for the investigators.

  She also said that the Adobe software that was purchased was "Photoshop", as coded "PS" on the statements. I told her we have no reason to purchase photo editing software. We don't own a computer and all of our photos are in a huge mess on our phones. We don't know anything about photo editing. I asked if this was the only software purchased, and she was assuming that it was only Photoshop since the charges are all in the same amount. 

  I also mentioned that, after discussing the situation with a colleague, that she had charges on her Wells Fargo account from Adobe that were fraudulent also. I suggested that they do more research into the issue, as it appears that we are not the only victims of this fraud. 

  
  
  
  Sincerely,
  
  
  
  Alison Rose

  

  Business Response

  Date: 06/24/2025

  Please see attached

  Customer Answer

  Date: 06/24/2025

   
  
  Complaint: 23464709
  
  
  
  I am rejecting this response because:

  I am still waiting for the results of the second fraud investigation. This can take up to 30 days. 

  These Adobe charges are fraudulent, and we should not be held responsible for them. Discover advertises $0 fraud liability guarantee. We have been loyal customers for about 20 years, and have never encountered such difficulty with a fraud claim.

  Also, the phone call today was to ensure that I was aware that the second fraud investigation can take up to 30 days. None of my concerns were discussed.
  
  
  
  Sincerely,
  
  
  
  Alison Rose

• Initial Complaint

  Date:06/13/2025

  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 name is ******** ****** ******. After reviewing my credit report this month, I found an account that I did not authorize or recognize.The account is with **********************, opened on September 14, 2023, and listed as a credit card with a balance of $12,183. I have never applied for a Discover credit card, and this account was not opened by **** am reporting this as a case of identity theft and respectfully request that the BBB assist in addressing this issue and ensuring the account is properly investigated and removed from my credit record. Thank you for your support.

  

  Business Response

  Date: 06/25/2025

  See our response attached.

• Initial Complaint

  Date:06/13/2025

  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 name is ********* ******, and I am filing this report because I have been a victim of identity theft. There are accounts on my credit report that I did not open or authorize. These accounts were created without my knowledge, and I am requesting that they be blocked or permanently removed under FCRA Section 605B.The accounts I am disputing are:Discover Bank Account #************ Opened Oct 23, 2015 Balance: $8,535 Discover Bank Account #************ Opened Nov 16, 2023 Balance: $13,369 JPMCB Card Account #************ Opened Jun 14, 2016 Balance: $5,790 These accounts are negatively affecting my credit. I have attached a copy of my government-issued ID, proof of address, and am submitting this statement along with my FTC Identity Theft Report. Please remove or block these accounts and confirm in writing once the investigation is complete.Thank you for your attention and assistance.

  

  Business Response

  Date: 06/26/2025

  Please see attached. 

• Initial Complaint

  Date:06/13/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 06/25/2025

  Please see attached.

• Initial Complaint

  Date:06/13/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 06/24/2025

  Please see
  attachment.

• Initial Complaint

  Date:06/12/2025

  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.

  Im filing this complaint against Discover Card regarding deceptive and predatory credit card practices. I opened a secured Discover card in 2018, which later transitioned to an unsecured account. Over the years, my interest rate (APR) climbed from approximately 22% to nearly 30%, resulting in monthly interest charges as high as $485. These increases occurred without written notice or a clear breakdown of how the APR was calculated based on the Prime Rate, and there is no penalty APR clause in my agreement.Despite making large monthly payments (e.g. $628), most of my payment goes toward interest with little to no reduction of principal which creates a long-term debt trap. I filed formal complaints with the **** (Case #******-21321100) and OCC (Case #CS0381792), requesting an interest rate breakdown and explanation for the increases. Discover responded with vague references to the Prime Rate, but failed to disclose the actual Prime + margin formula or provide a timeline of APR adjustments.Furthermore, Discover issued a $240.63 interest refund in May 2025 without explanation. This appears to acknowledge an overcharge or internal error, yet they still refuse to provide transparency or make further adjustments.I am seeking:A full breakdown of APR increases A written explanation of the interest refund An interest rate rollback or settlement based on original terms I have preserved all documentation and would appreciate the BBBs assistance in holding Discover accountable for these harmful practices.

  

  Business Response

  Date: 06/17/2025

  Please see attached

  Customer Answer

  Date: 06/18/2025

   
  
  Complaint: 23462146
  
  
  
  I am rejecting this response because:

  I appreciate that Discover responded; however, their reply does not meaningfully address the substance of my concerns. My request was not simply for a generic review, but for specific consideration of:
  
  
  The ongoing application of a 28%+ APR despite consistent payment history;
  A reasonable reduction of the APR or settlement of the balance to avoid further financial hardship;
  Clarification on how any potential settlement would be reported to credit bureaus (i.e. as “closed” or “settled for less”).
  
  
  
  
  Discover’s response does not address these specific concerns, nor does it offer any meaningful resolution to the financial hardship I have documented in prior correspondence. I remain open to working with Discover in good faith to resolve this account, and I respectfully request a substantive response to the specific points raised.
  

  
  Sincerely,
  
  
  
  Anthony Velardi

  

  Business Response

  Date: 06/23/2025

  Please see attached

  Customer Answer

  Date: 06/23/2025

   
  
  Complaint: 23462146
  
  
  
  I am rejecting this response because:
  

  I appreciate Discover’s response but remain extremely dissatisfied. Once again, they have avoided providing any specific documentation that explains how my APR increased from approximately 22% to nearly 30%, nor have they ever provided a complete calculation of how the Prime Rate and any margin were applied over time.
  
  
  Discover continues to reference generic policies while failing to address my core concerns:
  
  
  No proof of proper disclosure or notice was provided as required under the Truth in Lending Act when my APR increased dramatically.
  No documentation of the exact Prime Rate + margin formula has ever been produced despite multiple written requests.
  They still refuse to explain the partial interest refund of $240.63 that was issued, which indicates an internal admission of error.
  The company acknowledges that payments made go almost entirely toward interest with minimal reduction to principal, which reflects a predatory structure.
  
  
  
  
  I am not requesting full debt cancellation but rather a fair and transparent resolution that includes proper disclosure, accountability for unexplained charges, and a reasonable settlement or interest reduction reflecting the excessive financial burden placed on me.
  
  
  Discover’s refusal to meaningfully engage continues to demonstrate bad faith, and I am requesting that this complaint remain open and public. I will continue pursuing this matter with state and federal regulators.
  
  

  
  Sincerely,
  
  
  
  Anthony Velardi

• Initial Complaint

  Date:06/12/2025

  Type:Sales and Advertising 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 Jan 7th 2024 I made a payment for $329.00 and on Jan 9th I made another payment for $300. 00 My family and I were affected by a natural disaster October 2024 with two hurricanes within 2 weeks. We contacted all of our financial institutions and was granted 90 days payment protections. Once we realized we had a late payment in January we made double payments to get our account current. We contacted Discover and they said we only had 60 days. Discover intentionally and maliciously took our two payments and placed them for the months of January and February without our knowledge. Discover told us not to make any payments in February and apologized for what had happened. They Deceived me and put a 30 days late payment for December and took both January payments and placed them for January and February payments and put a 30 days late payment for December on our account to maliciously ruin our 10 year no late payments with Discover. This is morally wrong and unethical deceptive behavior.

  

  Business Response

  Date: 06/26/2025

  Please
  see attached.