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 15163 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15184 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:07/27/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a checking and savings account with Discover on 6/17. Since then Ive gotten a new job and deposited a few checks from my old job that were from withdrawing from a retirement fund/plan. My account has money in it, I used it frequently for purchases, to pay bills and student loans, etc. After depositing my first check from my new job on Friday, 7/22, and it being loaded into my account on Monday, 7/25, everything went downhill. I received an email and notification from the app at 7:00am this morning, 7/27, that there was suspicious activity on my account and that it had in turn been frozen. I called Discover only to find out that they, as of yesterday, 7/26, have closed my account due to business reasons and refused to elaborate further. After literally crying on the line with an agent, I had to verify the checks that I had deposited which I was able to do because I deposited them and theyre legitimate checks, I was told that there was nothing more that could be done and that my money would be sent via check in ***** days. The money in those accounts is all the money I have to my name. Thats how I pay my bills; its quite literally my livelihood. I told the agent that and asked to speak to a supervisor but was told none were available and this ended the phone call. There is no fraudulent activity on my account, the check in question was for $150 and was from my employer. Theres absolutely no reason my account should have been flagged and closed all within the span of two days due to a paycheck.

  

  Business Response

  Date: 08/24/2022

  please see attached response

  Customer Answer

  Date: 08/27/2022

   
  Complaint: 17632667
  
  I am rejecting this response because: this does not explain why youre holding my money for 60 days and why the account is still open for vendors and others to deposit money into and take money out of. Nowhere in any paperwork or documents I signed does it say you have the right to hold my money after my account is closed either by you or myself. 
  
  Sincerely,
  
  ***********************************

  

  Business Response

  Date: 09/01/2022

  Please see attached  response 

  Customer Answer

  Date: 09/05/2022

   
  Complaint: 17632667
  
  I am rejecting this response because: this still does not answer the question I asked multiple times now of the ability for Discover to hold my money for *************************************************** contracts I signed when I opened my account. Again, my concern no longer lies in the closure of my account. Frankly, Im glad its closed because I dont want to bank with you after this. My concern is with the fact that my money is being held without any reason and my account, according to vendors I have spoken with since the closure of my account, the account and bank remain responsive and my debit card was never cancelled. So if my account was really closed, why would the account still be open? And why, again, is my money being held for 60 days without any reason or statement of why. 
  
  Sincerely,
  
  ***********************************

• Initial Complaint

  Date:07/27/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used my Discover card to make a online purchase with ******** ******* closed my online account because I return damage and broken goods back to the store. I asked about pending orders and was told all orders are now canceled. ******* has billed me for items I did not received.******* says items left at my door.I never received these items nor did I sign anything from ******* but Discover tells me I will have to pay, for something I didn't received.I have been with Discover for over 24 years. This is how they treat a long time customer.

  

  Business Response

  Date: 08/05/2022

  Please see attached.

• Initial Complaint

  Date:07/27/2022

  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.

  A month ago I decided to take $5800 off of my credit card and have it put into my bank account Discover is in charge of the transfer I waited for two weeks for it to go through and when I called they said it posted July 8thbut it did not go into my **** of America I spoke to **** of America and it never went in there so Discover opened a case but Im just not getting anywhere with them I cant get a straight answer from anybody.. when I try to speak with these people about my frustrations I get smart ads agents that are very rude and have no patience and there wasnt a reason for it because Im not rude and smart a** myselfand this morning I received an email that I have to start paying $160 a month for that $5800 and I havent even received I needed that money to pay bills and keep living and help my husband pay for his prescriptions Im beside myself right now and I dont know what to do. I have to start paying for money that I didnt even receive and thats $160 that I dont even have which is why I needed to get that money from Discover in the first place to put into my bank account

  

  Business Response

  Date: 08/04/2022

  Please see attached. 

• Initial Complaint

  Date:07/26/2022

  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.

  There was fraud on my credit card in the amount of $10,829 I paid not knowing it was fraud they did the investigation and found it in my favor and told me on July 11th that the investigation was closed and I can ask for a refund for my over balance of $10,829 they told me it would take ***** days which is today on the 11th of July I spoke with the fraud team and they told me it was found in my favor and I can request my $10,829 refund I did now they are holding my money using it for new charges but wont issue me a refund for the $10,829 after they told me everything was done and my refund would be issued today July 26th I paid my mortgage my car everything because I was promised my refund now they are denying it everything is going to bounce

  

  Business Response

  Date: 08/05/2022

  Please see attachment

  Customer Answer

  Date: 08/08/2022

   
  Complaint: 17627229
  
  I am rejecting this response because: no one knows what they are talking about, I did receive a call and they said they can read all the notes and all they did was apologize and say that they will address the issue of all the wrong dates discover told me I can have my overpayment as of today they are still holding my money !!!!!!! After they told me the company did not even respond to the fraud that was on my card this is unacceptable to me but they continue to keep taking any new charges out of my ****** there holding also they dont even know if they can expedite my money its a mess I never had this problem with discover before I have not used the card in almost 3 months also from there false information , all my **** bounced my mortgage my car payment, my special needs son health insurance only to be told Im sorry I WANT MY MONEY IF I OWED THAT MONEY THEY WOULD NOT LET ME BE 90 DAYS BEHIND WITHOUT WRECKING MY CREDIT BUT ITS OK FOR THEM TO HOLD AND PLAY WITH MY MONEY FOR THIS LONG ITS WRONG ESPECIALLY IN THIS TIME WITH THE WAY THE ECONOMY IS I NEED MY MONEY  AND THEY ARE PLAYING GAMES WITH IT I CALLED THE *** AND THE CONSUMER PROTECTION Bureau hopefully they give me my money  

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

  

  Business Response

  Date: 08/14/2022

  Please attachment

  Customer Answer

  Date: 08/16/2022

   
  Complaint: 17627229
  
  I am rejecting this response because: The representative that is supposed to be representing me has never called me back told me he would call me on August 15, 2020 to his name is ******* in the customer satisfaction department I left him six messages already never got a callback I am being ignored and theyre holding almost $11,000 of my money when there is a recession coming because I over paid fraudulent charges and nobody is getting back to me ******* who keeps writing these letters to the Better Business Bureau is lying saying that he has been in contact with me and he has never been in contact with me but one time told me he would call me back August 15 with an update never did this is insanity that a credit card company could hold over $10,000 of somebodys money and the fraudulent case is closed I spoke to ******* today in the security department and he told me it was closed on August 12, 2022 so why is my money not being returned to me or am I not getting a callback and the correspondency sent to you is dated August 14, 2022 but ******* a security fraud manager says that the case was closed on August 12, 2022 in my favor so how is he saying without speaking to me that he gave me information he gave me nothing ******* was no help at all ******* is ignoring all my phone calls I left two messages on Friday to messages on Monday and two messages Tuesday today I just want my money back especially now that that fraud case is close
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/26/2022

  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.

  Hello,I opened a checking account on Discover Bank on July 3, 2022 and deposited my paycheck issued by my company on July 15, 2022 to add funds to that account.On July 18, 2022, Discover notified me saying that they detected unusual activity on my account and blocked my access to the account.When I contacted them about issue, I was informed that the account has been closed due to business decision and they cannot not disclose any information about that.On July 19, 2022 I contacted my company's payroll department to cancel or revoke the check and reissue; however I was told the check was already cleared they cannot take any action due to this reason. When I contacted Discover on the same day, the person on the phone informed me that she can release the funds before 60 days if they can confirm the amount via issuer bank. *********** (Citi) informed Discover on the group call the account and the check is real and Discover was going to refund me. I did not receive any refund from Discover so I contacted them again.On July 25, 2022 Discover was able to clear the check and added funds to my bank account. However they decided to not to release funds before 60 days. I am not even provided with any information why that happened and I can not access the funds that I worked for. I would like the funds to be released as soon as possible since I do not owe anything to the bank and they are withholding my funds without my permission since the account was closed due to business decision and any information was not shared with **** would appreciate your assistance due to this matter to resolve the inconvenience, thank you.Please contact if any additional information is needed.

  

  Business Response

  Date: 08/04/2022

  Please see attached

• Initial Complaint

  Date:07/26/2022

  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 am not liable for this Discover inquiry that was made on my credit report 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 a account without my written instructions.

  

  Business Response

  Date: 08/10/2022

  See attached.

• Initial Complaint

  Date:07/26/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was filling out HELOC forms with several banks and he process was generally the same. When I went through the process with Discover I was not under the impression that they would do a hard pull on my credit. I received an email alert from Experian that my credit was pulled (hard credit) to which I did not authorize them to do. On top of this, I was provided a much different rate than the ****% I was pre-qualified for according to the self calculator. My personal information did not change and I was baited into pursuing further to see all rates that would apply. I was provided only with a high 9.(something)% rate which is ridiculous based on my excellent credit, low revolving credit and home balance to total equity in my home. Discover refused to remove or change my "hard pull" to a "soft pull" and told me candidly to have a nice day and hate to lose you as a customer. I have reached out to Experian to have my credit updated.

  

  Business Response

  Date: 08/03/2022

  Please see attached

• Initial Complaint

  Date:07/26/2022

  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 was unemployed for an amount of time right after I finished my masters program in October 2021. I called Discover Student loans to see if there is anything they can do for me and they put me on a payment plan even though I told them I wasn't able to afford it. I only got a job in March 2022 and had to relocate for the position in May 2022. I was unable to make the payments and finally made a payment in June 2022. Now they have marked my account as charged off and threatening to send me to collections if I don't pay $1,646.31 by the 28th of July and today is the 26th. I have no other options because I am unable to apply for refinance because they have the charge off on my credit. I have no other options and they aren't willing to work with me to help. I am at my final straw and this making me stress so much and questioning my future.

  

  Business Response

  Date: 08/19/2022

  Please see attached response.

  Customer Answer

  Date: 08/20/2022

   
  Complaint: 17625554
  
  I am rejecting this response because:

  Discover claims my payment didn't go through when in fact they have a payment on June 8th, 2022 which also shows on their website when I checked (please see attached). The company has been impossible to work with and give borrowers any room to breathe. They have charged off my account prematurely and have caused me a great amount of ******************************************** Jucelin

  

  Business Response

  Date: 08/29/2022

  Please see attachment for response. 

• Initial Complaint

  Date:07/25/2022

  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.

  My Experian ****** Report shows someone opened account in Discover bank and $2946 was taken. It is showing the bank account was opened on June 2020 and now it is closed. My credit score got down because it is showing negative **** for non payment. I never had any account on Discover bank. I contacted Discover bank several times to resolve this problem but no actions were taken till now. My credit score got very low because of this problem and I dont know how to resolve this problem. please help me.

  

  Business Response

  Date: 08/03/2022

  Please see attachment

  Customer Answer

  Date: 08/06/2022

   
  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:07/25/2022

  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.

  Instant approved Discover it credit card on June 29, 2022 and received an email that *** Consent Form ****-c is required to submit. I submitted through **************************** on July 6, 2022. First of all, I have never experienced regarding the *** Consent form with any of the banks (I have two **** of America credit card, two from Chase and one AMEX). But, I understood to send the form over to the clients. I understood the purpose. However, it has been taking like three weeks. I am not allowed to use the card even though I received the card for Three weeks!! I contacted the customer service several times but they just told me the same thing like they do not know the exact timeline when the temporary hold would be lifted. I have a secure income and employer. I gave all information to Discover but they are just shifting their duties to the ***.. Very disappointed. Cant use the card for three weeks even though it was already approved? Please solve this issue asap.

  

  Business Response

  Date: 08/02/2022

  Please see attached.