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 1011 Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15158 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15183 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:08/07/2022

  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.

  8/7/2022 ***** *************************** ************************************************************************ SSN: XXX-XX-**** Hello Better Business Bureau (BBB),Hi, my name is ***** *************************** and Im from ****** **********. Please see the attachment via "letter of dispute".Thank you.***** *************************** **************************** ************

  

  Business Response

  Date: 08/12/2022

  Please see attached customer response letter

  Customer Answer

  Date: 08/16/2022

   
  Complaint: 17683568
  
  Business is business, war has been declared.

  
  

  You'll be in contact with my attorney.
  
  Thank you.
  
  *********************

  
  

  
  

  

  Business Response

  Date: 08/19/2022

  Please see attached customer response letter

  Customer Answer

  Date: 08/22/2022

   Complaint: 17683568

  
  

  Business is business, war has been declared.

  
  

  You'll be in contact with my attorney.

  
  

  Thank you.

  
  

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

  
  

• Initial Complaint

  Date:08/06/2022

  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.

  Discover Financial Has consistently violated my rights in accordance with 15 U.S.C **** (a), 15 U.S.C. **** ch 3 (5) (a), and 15 ************************* (1) (a), **** S- 2(8) (e),

  

  Business Response

  Date: 08/11/2022

  Please see attached 

• Initial Complaint

  Date:08/06/2022

  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 checked my credit report and noticed I had late payments from DISCOVER BANK . At the time, I was transitioning between jobs and going through an economic hardship. As you can see, I have made most of my payments on time so I am asking in goodwill faith for this one time to please remove these late payments from my account. I am trying to increase my score to qualify for a mortgage and I would greatly appreciate if you guys would forgive the late payments.

  

  Business Response

  Date: 08/18/2022

  Please see attached.

• Initial Complaint

  Date:08/06/2022

  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 Friday July 15th , 2022 I mailed my Discover payment that was due July 28th, 2022. I waited one week and verified that the check did not post to my bank by that next Friday July 22nd. The **** services have been under unusual stress and their services have been slow. On that same day I contacted Discover and requested a credit line increase. I informed Discover that my check was sent and that they should receive payment soon.The problem is that the credit allocation department only increased my credit line by $500. This was very unusual due to my credit enablement factors. For your review:1) I have been a Discover card member for 15 years.2) I have paid my credit card balance every month with only a few exceptions 3) I was automatically approved for a credit limit of $7,500. I requested to reduced this credit limit down to just $3,000. 3) My credit reporting score for all three credit reporting agencies is over 800.The check still did not post by July 24th. Being responsibile, I set up a payment plan that same day. I requested that the bill be sent again. As of this writing, the check still has not posted and I have not received the requested billing statement. I contacted the credit allocation department again. I spoke to ***** in the **** call center. ***** was rude and condescending. She kept interupting me and telling me that she wasn't interested in what I had to say. ***** only wanted to tell me that my payment was past due and that there was nothing she could do until this payment was made. This situation was caused as a direct result of the slow service provided by ****. My desire and ability to pay my current bill is not the issue. I found it difficult and unfair to work with the **** office credit allocation department. I strongly believe that there is no risk for Discover to increase my credit limit by $1,000 until my check(s) are posted. I will reduce my credit limit back down to $3,000 when check(s) have posted.

  

  Business Response

  Date: 08/31/2022

  Please see attached. 

  Customer Answer

  Date: 09/06/2022

   
  Complaint: 17681895
  
  I am rejecting this response because:

  
  

  ******* has provided false statements to the Better Business Bureau regarding this case.

  Please review the attached copy of the letter that I received from Discover Credit Operations dated August 6^th. *******'s explanation contradicts this notice of denial for a credit line increase.  ********' entire explanation is false. 

  ******* is correct when she states that I requested a credit line increase on July 24, 2022.  I mailed my July payment on July 15^th.   When I checked to see if my payment had arrived, I was told on July 22^nd that my July payment had not yet been posted.  I realized that my check *** have been lost in the mail.  The due date for this payment was July 28^th. In order to maintain that I had available credit, I asked for a small credit line increase of $1000 on July 24^th, 2022.

  On July 24^th I called the Utah credit operations department at Discover and spoke to a representative named ***********  ***** immediately declined my request for any credit line increase. ***** told me that the reasons why my request was declined would be sent to me in the mail.  I have attached a copy of the letter that I received from Discover Credit Operations Team dated August 6, 2022 that explains why my request for a credit line increase was declined.

  As clearly shown in this notification letter, my request for a credit line increase was denied on July 24^thbecause my ACCOUNT IS DELINQUENT.

  According to *******'s interpretation, I asked and received a credit line increase on July 24th; and there was no reason for me to contact the Better Business Bureau at all However, as shown in the attached letter, I did not receive a credit line increase on July 24th.  My request was rejected. *******'s statements stating that I received a credit line increase on Jult 24th are completely false.

  And when I received the credit line increase rejection letter dated August 6^th on August 12^th, I called Discover for an explanation of how this could occur.  I was told that someone would be in touch with me regarding an explanation.  After a week with no reply, I called back again.  To this date, there has been no explanation from Discover regarding the false reason I was denied a credit line increase.  I had no choice at that time other than to contact the Better Business Bureau for their help.

  Furthermore it is simply not possible for my account to be delinquent on July 24^th if my payment due date was July 28^th.  And, as ******* has stated in her response, my July payment was received on July 25^th.  My account was never delinquent.   Even the reason for why my request for a credit line increase on July 24^th was declined is false.  

  My credit line increase took effect automatically when my July payment was posted and processed on July 25^th.  ***** did not approve any credit line increase on July 24^th for me. *******'s statement that my credit line increase request was reviewed, approved and manually processed by ***** on July 24^th is false. 

  But even if my account was delinquent, that does not explain why my request for a credit line increase was declined by ***********

  For your review:

  1) I have been a Discover card member for over 15 years.

  2) I have paid my credit card balance every month in full with only a few exceptions for the past 15 years.

  3) I had been automatically approved for a credit limit of $7,500 just a few years ago.   I requested, not Discover, to reduce this credit limit down to just $3,000.

  4) My credit reporting score for all three credit reporting agencies is over 800.

  Being a loyal and faithful customer to ********************** meant nothing to *****.  ***** did not ***** me any grace ****** for my "deliquent" account.  And because these factors were not taken into account for my simple request,  I had no available credit with Discover.   I was forced to use a different credit card. 

  Because I had several automatic payments from applications associated with this Discover card, I had to immediately switch to a new credit card.  This caused a lot of aggravation for me. I used this Discover card for my daily purchases as well.  I have stopped using Discover completely and been forced to use another credit card since July 24^th. Discover Credit Operations forced this situation upon me.  I had no choice.

  And the reason why there is a credit balance of $2,320.33 on my account is because I paid for my July bill twice.  When I spoke to ***** on July 24^th,I asked that another billing statement to be sent.  I had assumed by that time that my first payment was lost.  So when I received a second bill for my July statement I paid that in full as well.   When the July payment was received on July 25^th the next day, this caused an over payment of my account to occur.  My credit line was not inceased by ***********  It was an overpayment due to paying the July bill twice. 

  I am in the process of verifying that a delinquent payment statement from Discover was not sent to any of the credit card reporting agencies.  If these credit card reporting agencies have received these false deliquent notifications, I will need the help of Discover Credit Card Operations to expunge these false statements. 

  I also am checking with consumer protection agencies in an effort to determine if any of Discover actions regarding this case are criminal in nature.

  In summary, the Discover Credit ********************* in **** have acted in a corrupt and deceitful manner.  My account was never deliquent but my request for a credit line increase was denied because it was determined that it was deliquent. 

  There is something very wrong with the Discover Credit ********************* in ****.   I also believe they have created and are still causing many more deceitful actions that have yet to be recognized. 

  And ****** attempted to cover up these malicious activities by providing several false and misleading statements.  I am assuming that ******* was able to perform a competent review of this situation and found the credit line increase rejection letter dated August 6^th within my account.  I also am assuming that ********' reply is aimed at providing false statements to the BBB in an attempt to close this case quickly.

  I am asking to be provided an explanation as to why the Discover Credit ********************* in **** determined that my account was delinquent and denied me a credit line increase.

  I also am asking that, as a 15 year member with an excellent payment history, I was denied a grace ****** to pay my July bill even though my account was falsely determined to be deliquent. 

  

  Business Response

  Date: 09/23/2022

  Please see attached. 

  Customer Answer

  Date: 09/26/2022

   
  Complaint: 17681895
  
  I am rejecting this response because:

  
  

  *******'s is continuing to make false statements to the Better Business Bureau.  She is intentionally misrepresenting the actual events that happened in an effort to cover up unethical and malicious behavoir.

  
  

  As proof, I have attached a copy of my Discover card August 2022 bill.   This bill clearly shows that my available credit line as August 2, 2022 was 0$.  ******* accurately points out that I had $4,530.02 of overpayment available.  But this is the overpayment amount; not my available credit line.  

  
  

  As I have previously provided, I received a letter from the credit authorization department on August 6th, 2022 stating that my request for a credit line increase on July 24th was denied   And this is underscored in my August 2022 bill showing that my available credit line to be $0 (See attachment).  

  
  

  *******'s needs to stop making these false statements regarding that my request for credit line increase was approved on July 24th, 2022.  I firmly believe her statements are intentionally misleading.   I have uncovered the Discover's practice of using unethical and malicious behavoir within the credit authorization department.  Customer credit and payment history are not used in determining their customer's credit status.  I have provided documents that prove this statement. 

  
  

  And as result of this credit line increase being denied, I was forced to use another credit card for all my online payments.  This was a tremendous amount of work.   I want ******* to know that my current balance is now at $0.  And my current available credit line is $1.  

  
  

  ******* is continuing to provide false statements to the Better Business Bureau.   

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

  

  Business Response

  Date: 09/30/2022

  Please see attached. 

  Customer Answer

  Date: 10/03/2022

   
  Complaint: 17681895
  
  I am rejecting this response because:

  
  

  ******* continues to provide false statements to the Better Business Bureau.

  
  

  I have tried to negotiate this complaint in good faith with ***************  Despite overwhelming proof of my claims, ******* continues to make false statements without providing any proof of her claims. 

  
  

  As a result, I consider this matter closed. 

  
  

  I have opened a formal and official complaint with the Illnois ************************* (OAG2022-000114759) regarding this incident as of today. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:08/06/2022

  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.

  On July 25, 2022, I attempted to open a savings account with Discover Bank. On July 26, 2022, I attempted to make a $9,000 transfer from another bank. The transaction got flagged. I spoke with someone at Discover who cleared up the issue and told me to initiate the transfer again, which I did on July 28, 2022. After that, the account was closed by Discover with that transaction still pending, with Discover only telling us it was a "business decision". The money was removed from my other bank on July 29, 2022. After numerous phone calls spanning the past week and several hours in total, Discover was finally able to confirm the transaction occurred, however were unable to resolve the dispute as of this time. They said it could be another **** business days and that was only after numerous attempts to get this resolved. In the meantime, we are without that money and it is owed to us. This should be returned to us in far less time than that. We should also be told why the "business decision" was made in the first place. It is quite ridiculous. At this point, we need our money returned to us.

  

  Business Response

  Date: 08/31/2022

  See attached response

• Initial Complaint

  Date:08/05/2022

  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 received a notice that my account was suspended today without warning. After over 40 minutes on the phone line provided, I was told my accounts were "closed for business reasons" with no further explanation provided. I was not allowed to talk to anyone with any knowledge of this action, and was told "any residual funds" would be returned to me within 90 days. These are active checking, savings and money market accounts with automated billpay and automated deposit activated. No information about what bills were paid, or if my paycheck was deposited today. There are over $300,000 combined in these accounts to pay routine bills and services. Please help me get access to my money so I can pay bills - most creditors will not wait 90 days to have their outstanding bills paid, and I have no access to my paycheck or other funds. Discover has not been able to provide me with any additional information or resolution.

  

  Business Response

  Date: 09/01/2022

   

  Please see attached response.

• Initial Complaint

  Date:08/05/2022

  Type:Billing 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.

  Immediately after being approved for a discover credit card I called in to see if I could either raise the credit limit or cancel the application/close the account (if the new/closed account wouldn't show up on my credit report). After being told that the account wouldn't show up I moved forward with closing it. Two weeks later I wake up to my credit score dropping and a new/closed discover card on my credit report. I called discover to see what happened and was told the opposite of what I was told originally and that there was nothing they could do. After two more calls I was connected with someone who told me they could request that the account be removed but there was no guarantee that it would do anything and it would take up to 90 days. Now I'm left with a closed / useless discover card and a derated credit report that I can't use to get something more useful.

  

  Business Response

  Date: 08/26/2022

  Please see attached

  Customer Answer

  Date: 09/04/2022

   
  Complaint: 17679184
  
  I am rejecting this response because: Someone on the phone told me they requested that the credit bureaus remove the account (I will find out in 3 months if that did anything). But, I later received a document from the credit bureau ********************* saying they updated the account to show a $0 balance and updated payment history. I closed the card about 30 minutes after being approved. There was no balance or payment history. These conflicting statements make me wonder what if anything they actually did.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 09/26/2022

  Please see attached 

• Initial Complaint

  Date:08/05/2022

  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.

  My mother, ****************************** passed away in May. Discover credit card company was notified 6/19/22 @ 5:00 PM with "******". ****** instructed where to send the death certificate to complete the account (#****) closure and to destroy the credit card. I was notified that the credit refund in the form of a check for $24.78 remaining on her credit card would be sent to the estate address of #************************************************ within 3-4 weeks (death certificate was sent and received). Every month a statement showing the account credit is mailed to the estate address with no refund check and when the company is called every month, I am told that a check will be mailed. It is now August and I am yet to receive the refund check for $24.78 for the overage on her account which was closed after she passed away in May. ********************************

  

  Business Response

  Date: 08/11/2022

  Please see attached. 

• Initial Complaint

  Date:08/05/2022

  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.

  11/28/21 I purchased energy healing sessions from "Physic Visions" in ********* in the amount of $2,202.68 (http://www.psychicvisionsmilwaukee.com is the website)1/20/22 When I reviewed my Discover charge card statement, I saw a charge from PAYPAL *MKEPROPERTY ************ CA. In addition to not knowing who the company was, I Googled the company name and was presented with multiple articles on fraudulent charges. I flagged it as a charge from a company I did not recognize so Discover could look into it. 1/20/22 Discover gave me a temporary credit as they investigated this dispute: PAYPAL ************ ************ CA TEMPORARY CREDIT PENDING INVESTIGATION 1/31/22 When I went for my session, ***** (owner of Psychic Visions) asked about the dispute (as they reversed the charge) and explained to me that PAYPAL ************ ************ CA was her husband's business and she ran the payment for my energy healing sessions under his business. I immediately called Discover and cleared up the mistake. The temporary credit was reversed back to my card. 2/5/22 I received a message from ***** indicating she would no longer be able to provide services until the money was put back into her husband's PAYPAL account. I've contacted Discover several times informing them of the refusal to provide services that I paid for using my Discover card. I've provided multiple forms of documentation as asked and spoken with at least 4 different representatives from Discover to try to resolve the problem. They are refusing to honor their fraudulent charge policy by not reversing the charge back to my credit card. I'm requesting a refund before I post to social media.

  

  Business Response

  Date: 08/30/2022

  Please see attached.

• Initial Complaint

  Date:08/05/2022

  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.

  Date of transaction: Saturday July 23, 2022 I am a first-year college student and I have opened a checking and two savings with discover. These has been open a little less than a month, my direct deposit from my job came through and I have sorted money into savings, spent some of the money, also have to pay deposit for fall semester, which I am unable to do. They did not give me the option to zelle the money out of my accounts before permanently closing and they claim I have to wait 60 days for my money returned. Imagine if I had kids, a family, a whole responsibility. Luckily, I have family to rely to help loan me until they give me my balances. I want to try to receive my money quicker. When I opened the app and saw this message, they said to call their # and I did. It was automated and summary of what the robot said: My account closing and nothing I can do. They made the business decision to permanently close all 3 accounts for unusual activity. They automated voice thing said I was able to go online to live service and I did. The person basically told me the same thing, I was not getting any new information as to why or how. She said they cannot disclose, I cant get it back and the only way to get the money faster is through a recall with the bank who gives out the checks from my job. I also did that. Ultimately, I have tried to receive help/support because my account was not under anything unusual and they couldnt even disclose why and are holding my money. It is hard to get into contact with them other than the unhelpful phone calls which I tried to contact them 4 times and nothing helps. I rather not do business with discover anymore, I would like to get my money back so I can pay off what I need to and continue on. This is ridiculous and an incredibly stressor.

  

  Business Response

  Date: 08/26/2022

  Please see attached