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:07/25/2022

  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 received an email on July 25 about suspicious activity on my account and to call as my account would be frozen. I called and got someone immediately. She said someone else was working on it and transferred me. Was on hold for ten minutes it rang like someone would pick up then just dead air. Called back to the number in the email to a recorded message saying my account was closed and no further details are available any funds would be sent in 60 days. If I wanted to speak to an account manger to press 2 so I did and waited on hold another 15 minutes. After that she told me she had no information to give me I would get a letter in 60 days. But if my accounts were hacked that means other information in my phone was also hacked and waiting 60 days is unacceptable plus I had a check clearing Friday that I needed for waiting on for a deposit. If it was a bad check from a friend I also need to know that because obviously thats not a friend I need in a desperate time. They pride themselves on security but cant give any information about a possible security breach. Thats rubbish and poor customer service especially coming from an account manager. And closing the account without warning is also bad form. I havent shared my login information with anyone. Discover came highly recommended but this has been a horrible end to it

  

  Business Response

  Date: 08/11/2022

  Please see attached.

• Initial Complaint

  Date:07/25/2022

  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 used a promotion for balance transfer from Citibank to Discover on 6/26/22 in the amount of ******* - I used the app on my phone and thought all was good - waited a week and called Discover and was told I missed a number on one of the cards but that she can fix it . So she entered information in the computer and with in 2 days my transfer was completed - then 3 days later another transfer was posted - for the same amount *******- I now have a balance of ******* - the 2 transfers and interest. I have called discover 7-8 times trying to get this corrected and am told " it is in process - you must wait for citi to respond- once the 10 days are up I can put in an expedite to resolve " and other stuff that I did not write down. I am extremely upset that this is taking so long - and today ****** tells me I have to call citi and ask them to return the money to discover or send me the refund and I can pay discover - I find this unacceptable ! My credit score went down 57 points because of this and I am helpless to correct.I am tired of calling and getting no where I need help please

  

  Business Response

  Date: 08/16/2022

  Please see attached.

• Initial Complaint

  Date:07/25/2022

  Type:Service or Repair 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 June 11, 2022, a duplicate charge in the amount of $779 was made to my Discover card in error. There should have been only one charge of $779. I notified Discover immediately and they told me the matter would be investigated. There is no dispute between myself and the vendor about the charge. I was given a temporary credit in the amount of $779, pending the investigation. At this date (July 25, 2022), the matter has still not been resolved.

  

  Business Response

  Date: 07/28/2022

  Please see attached. 

  Customer Answer

  Date: 07/31/2022

   
  Complaint: 17618763
  
  I am rejecting this response because: The response I received from ******* of Discover was simply that the matter was still under investigation. This matter has dragged on far too long!

  There is no dispute between myself and the vendor, Sapphire Pools. The vendor wanted to be paid $779.00 and I wanted to be charged only $779.00. I was however, charged $779.00 twice. What I am requesting is that (1) Discover make the temporary credit of $779.00 permanent, and (2) that Discover send me a written statement that makes clear the matter has been resolved, with no future reinstated of any charge for the Sapphire Pools transaction.

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

  

  Business Response

  Date: 08/03/2022

  Please see attached. 

  Customer Answer

  Date: 08/07/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, The "form letter" response from Discover does not address the specifics of my complaint. ******* writes in her letter dated August 3, 2022, that "we (Discover) consider this matter resolved." If by "resolved" ******* means that the temporary credit of $779.00 (which removes the erroneous charge) is now permanent, and that no additional "Sales Chargeback Repost" will appear on my account, then I too consider this matter resolved.

  
  

  
  

  Sincerely,

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

• Initial Complaint

  Date:07/25/2022

  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.

  Good morning BBB,I sent my letters off to the 3 Credit Bureaus on June 24th, 2022 at 3:08pm, regarding inaccuracies on my credit report, and I will provide the information needed to get this resolved. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. Account Name: JPMCB CARDAccount Number: **************** (Has Violated My Rights)Account Name: DISCOVERBANKAccount Number: ************ (Has Violated My Rights)I know the law and below I am stating them as it proves my point in many cases, especially when it comes to my credit report.15 U.S.C **** section 602 A. States I have the right to privacy15 U.S.C **** section 602 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions15 *********** (a)(5) Section States: no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction or crimes which antedates the report by more than seven years.15 ************* (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Please investigate my accounts and with the credit bureaus, and company, so that we can get this resolved. I've provided PDF files of proof from my report for the Discover and JPM Chase Card. I appreciate it.Thanks,********

  

  Business Response

  Date: 09/12/2022

  Please see attached.

• Initial Complaint

  Date:07/24/2022

  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 been an account holder for quite some time. My issues is with their mobile app. I check it regularly to make sure all my payments are made on time. I accidentally missed a payment based upon the app told me payment due date was the following month. I never miss payments, I was signed up for paperless contact so never got a call, text email stating my account was overdue. The only way I found it was got alert from credit report stating I was 30 days past due! I have not missed a payment on anything and had perfect payment history. Discover needs to fix the app to reflect current status and not deceive the customer into thinking payment date is correct. This has made my sick to my stomach, the lapse was not due to intent. Now I have a derogatory **** on my perfect credit because of Discovers poor app.

  

  Business Response

  Date: 08/22/2022

  Please see our resolution attached

  Customer Answer

  Date: 08/25/2022

   
  Complaint: 17616910
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:07/23/2022

  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 blocked my debit account sending me an email telling me to call C/S. I called twice both times being effectively hung up on , a total of 50 mins on hold. They said my card was blocked due to fraud , both times I confirmed the transactions but they would not unlock the card. I was told to call back in 12 hours. I have recordings of both calls, neither employee would identify themselves with a number, just an inaudible first name. I verified all the info they asked for but still they would not unlock the account.

  

  Business Response

  Date: 08/11/2022

  Please see attached.

• Initial Complaint

  Date:07/23/2022

  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 tried to pay an email bill from the Discover banking card I have. The total amount is ****, there is enough money and it continues to decline. The first person that was helping me dropped the call and did not call me back. I called back and I could tell the lady was working from home, and I do not like to talk to people working from home, I don't trust it. ( I had a rep at home before ask me for my full SSN and that should not have happened) I called back, and still got someone working from home. I called again, and ******* answered and I asked for a supervisor, instead she placed me back in the que even though I advise I had a complaint and told her I had been hung up on and that she might have been my 5th call or so. I still do not understand why the charge is being declined for ****, and that is the total amount. I am in the que still on hold as I type this has been almost 8 minutes. I dont use this account much because of the customer service. Now that I have someone one the line she refuses to send a code to me. I have again asked for a supervisor and am now waiting...I have asked them previously to close this account and send me my money in it and they never did. At this point, I just want it closed. Im done with this bad service.******.

  

  Business Response

  Date: 08/18/2022

  Please see attached. 

• Initial Complaint

  Date:07/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  

  Business Response

  Date: 08/04/2022

  Attached

• Initial Complaint

  Date:07/22/2022

  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.

  Was approved for the credit card which CreditKarma said was my best optionreceived credit card, activated credit, used card twice to make sure it was working then it got declined. After calling them I had to go through a lengthy phone process to verify it was in fact me using the card. Fine, ok I was like good security and glad it didnt happen on our vacation. Come to yesterday 07/21/22 mid vacation the card was getting declined again. No advance notice. No notification from the Discover app on my phone. Just ****, decline decline. I called them right away. After speaking with a few people the final lady assured me that my card was good to go as I had completed the ****-IRS verification process. Well no, tried again to use the card and again decline. I then waited over 20 minutes to speak with one person who treated me like I was in the wrong, could not answer my questions and no help. Just that my card was no good until **** days after this new verification completed. I was enraged. I asked why this was not done prior to giving me the card, letting me activate and use the card??? I asked why I had not been informed prior to them just stopping my use of the card. The hotel were staying at had a hold on the card as well as the car rental agency, so now I am worried the holds wont get returned and I will still owe the whole amounts not just the cleaning/security holds. I told them if that happens I will not be paying Discover that money. The remainder of the vacation we had to deplete our checking accounts, taking on ATM fees etc due to this inconvenience Discover created for our vacation. I have had this card for a month and I now wish I had not got it at all. Cost us hundreds of extra dollars and messed with the fun of our vacation. I wanted this card for its intro apr of 0% for 15 months and we consolidated and got rid of our high interest rate cards to save money. Discover card cost us money. Discover card made things so complicated and frustrating!

  

  Business Response

  Date: 08/02/2022

  Please see attached. 

  Customer Answer

  Date: 08/03/2022

   
  Complaint: 17609215
  
  I am rejecting this response because: I am still not being allowed to use this card. As of August 3, 2022 it is still being declined. After speaking with their executive department they claim the issue on their end with my IRS verification was resolved and done correctly. However, they are continuing in giving great inconvenience with not being able to use this card. They have offered no proposal to remedy. They have not allowed access to use the card once again. I have never had to go through this much verification with any card or loan. At this point compensation of some sort should be due since a credit card is in fact borrowing money, and with them declining use of the card I am resorting to liquifying cash assets that were to go toward payments from using the card on vacation. From speaking with them on the phone, they were rude and repetitive but offered no solution. They just claimed through use of words that they did what they did correctly and that it was resolved. Saying the word does not make it so. 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/09/2022

  Please see attached. 

  Customer Answer

  Date: 08/11/2022

   
  Complaint: 17609215
  
  I am rejecting this response because: Just because a person contacted me on August 2, 2022 does not mean that they did anything to resolve my issues. They simply stated that they were correct in what they did and said it was resolved. Using just the words without explanation especially since this is not a common credit card business experience I have ever encountered in 25 years, is unacceptable. My card continues to be declined as of August 11, 2022 even though they claim I passed their IRS verification process. They have done nothing to resolve the fact that their  inept attempt at conducting good business practice actually caused great disturbances to me and my family on our vacation due to not giving prior notice and just made me look the fool by blocking my card without informing me of doing so after giving me the card, allowing me to activate and use the card is not appropriate by any means. Any attempts I have made to call them back at their executive office, it gives me only the option to leave my name and number and have received no further call backs from this company. I have begun to inform all families and friends to get rid of their Discover Cards and/or to make sure they never get one again. No one has experienced what Discover did to me, which to me then is not a common business practice and thusly means to me that they chose not to believe I had any ability to repay them without further digging into my financials after the fact. This is not okay. This is not resolved as of August 11, 2022
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 08/29/2022

  [A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find your Mediation services are necessary.

  I spoke with their verification department today August 29, 2022. Their claim as to why my card is still being declined is that they have as yet since July 21, 2022 been able to verify the identity of myself or my husband through the **** This is absolutely impossible! 

  They also tried to say that I did not sign the verification paperwork until August 13, 2022 which is not possible. I signed the paperwork while I was on vacation on July 21, 2022 thinking it would be a very quick process and we would be able to carry on with our vacation. August 13, 2022 I worked a 13 hour shift at work. There is no way I would have bothered trying anything with Discover at that time as I had already filed my BBB report and also my secondary complaint as well by then. They have failed to communicate. I had left 2 more messages unreturned by their **************** for Consumer relations since August 2, 2022. 

   

  Regards,

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

• Initial Complaint

  Date:07/21/2022

  Type:Product 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 sent in a check on 6/29 in the amount $******** paying the balance in full. On 7/1/22, Discover converted the check to ACH in the amount of $********, thus double dipping, causing a ******** credit on my account.I contacted Discover on 7/5/2022, where I was told they would return the funds. After waiting, I contacted Discover on 7/16/2022 and told, they would have to investigate. Spoke with a supervisor, who said she would escalate the issue and return the credit back to my bank. On 7/21/22 the funds were not returned, I contacted Discover again asking why. I was told they needed to investigate, which I told them, they should have investigated this the first time I call. While Discover is investigating, my bank account has been drained. Then I was told it was a technical issue and they would returned the funds. As of today, the credit is still showing on my account, no communication from Discover.

  

  Business Response

  Date: 07/25/2022

  Please see attached. 

  Customer Answer

  Date: 07/25/2022

   
  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,
  
  ***************************