Complaints
This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 3,199 total complaints in the last 3 years.
- 977 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:07/12/2022
Type: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 an ACH deposit to my account today, 7/11/22, in the amount of $100. Discover has frozen my account until they can verify with the issuer that this is correct. But the issuer has already verified with Discover my routing and account number. They will not let me access any of my funds until the 25th of July. I have bills due by the 25th and two kids that will be starved by then!
Business Response
Date: 07/19/2022
Please see attachedCustomer Answer
Date: 07/19/2022
Complaint: 17554147
I am rejecting this response because: the letter does not state a clear response. I believe there is something that can be done regarding the freeze that was put on my account. My paycheck is direct deposited into that account, which they are saying I cannot have.
Sincerely,***************************
Business Response
Date: 07/29/2022
Please see attachedCustomer Answer
Date: 08/01/2022
Complaint: 17554147
I am rejecting this response because:It is not about the issue being resolved because my account was unfrozen, eventually. I am wanting other customers to know what happened with my account and how nobody from Discover was willing to help at all, not even the *** would hear my side. I was left completely broke because Discover chose to freeze my account over a $100 deposit that they could not verify because they could not make international phone calls. I could not even access my paycheck that was direct deposited. I do not carry cash, therefore my debit card is my cash. Because Discover froze my account, I have had several items get returned for insufficient funds. I tried explaining that I am a single mom with two kids, that did not matter. I would like to receive the amount back and the insufficient fund fees back for the items that was returned because of insufficient funds.
Sincerely,
***************************Initial Complaint
Date:07/12/2022
Type: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.
They suspended my bank account 2 nights ago. I have called multiple times to be put on hold for multiple hours at a time to only be hung up on in the end. I have called customer service and they will not help me either. They tell me I have to call this number that continually hangs up on me. I have no access to my money and have had no opportunity to fix it. They have given me no details on why my account is suspended. This has been going on for 3 days.Business Response
Date: 08/11/2022
AttachedInitial Complaint
Date:07/11/2022
Type: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.
Student loans dating from 2009 - 2013.- All were documented and sent in as "fixed interest"- Documents received regarding their official end prior to consolidation through ***** Fargo stated a number having switched to "variable"- Multiple letters were received stating an "improved" interest rate which was false: they were only switched from fixed to variableBusiness Response
Date: 08/15/2022
Please see attached documents for response.Customer Answer
Date: 08/18/2022
Complaint: 17550804
I am rejecting this response because:it is false. My parents could not both co-sign and had another family friend as a second co-signer so that we would have FIXED interest rates. I wholeheartedly disagree with this response.
Sincerely,
*****************************************Business Response
Date: 08/31/2022
please see the attached response.Customer Answer
Date: 09/06/2022
Complaint: 17550804
I am rejecting this response because: I am not the one to provide in this matter. I want all instances of the correspondences youve made to all parties involved; original documents signing and verifying the loan; all for the time period of 2008 through 2016.Unsubstantiated claims of never having sent federally protected information while changing interest rates from fixed to variable seems as though you have more to prove than I do.I have made this request formally and now am explicitly requesting each individual loan with all signed therein for the years 2008 through 2016.I have paid exorbitant amounts of interest due to these failures to protect my personal information as is required by federal law, as well as caused damages beyond the amount of money extorted from me, but also damages to my mental and physical health and well-being. Your agency should be ashamed of dragging this out with simple excuses for a legal, signed document from Discover stated wrong information, which led to the direct illegal dissemination of federally protected personal information.Its time that the most wealthy of institutions are held liable rather than being bailed out by me, a taxpayer, a citizen, a worker, a student, a homeowner, and a father. 4-9% interest wasnt enough in 2008-2013, it just had to switch to variable, grossing over $20,000 in interest. Even had I been paying at the time while in school, I would have accrued interest.I also was not certain: but everyone assured us of our investment. Parents, teachers, lending agencies, banks, institutions, politicians, coaches, etc to attend colleges and the more prestigious the better. Coming at a price. A premium of being allowed to sign for predatory loans from agencies like ***** *** and Discover but not for a home, or small business loan. For parents such as mine who didnt have the education to necessarily grasp the risk of taking out such loans. They wanted what was best, as every parent who was federally required to sign FAFSA after FAFSA and loan after loan.I look forward to your response. Ill await the documentation requested above.
Sincerely,
*****************************************Initial Complaint
Date:07/11/2022
Type: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 made my cc payment on 7/2/2022in a timely manner however, Discover card refuses to process my payment in a timely manner which is disturbing. Discover card has a propensity toward engaging in this most egregious business practice and it has to stop immediately.Business Response
Date: 07/27/2022
Please see attached.Customer Answer
Date: 07/29/2022
Complaint: 17550529I am rejecting this response because:Their answer does not satisfy my complaint.
Sincerely,
*********************Business Response
Date: 08/04/2022
Please see attached.Customer Answer
Date: 08/06/2022
Complaint: 17550529I am rejecting this response because:The response does not satisfy my complaint
Sincerely,
*********************Initial Complaint
Date:07/11/2022
Type: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 7/1 I received an email stating my savings account was being closed. This is where I kept my grocery money etc. I had done absolutely nothing, by the way its now 7/11 and I still have not received that check. I called in last week to make SURE my checking account would not be closed as my direct deposit goes there and was assured it would not be. This morning I got an email stating my account was closed now Ive been waiting on my last check with no money available and now on my pay week you close my account with no warning so my direct deposit is going to fail now. I called in upset RIGHTFULLY SO and was basically told oh well! I was put on hold for over 40 minutes in total and again basically told oh well. Hardly even an apology. I Cannot believe I have been put in this position by such a large name bank. I would never, will never recommend them to anyone and I will continue to complain until Im heard by the right people. This is one hundred percent unethicalBusiness Response
Date: 08/10/2022
AttachedInitial Complaint
Date:07/11/2022
Type: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.
Someone opened a fraudulent Discover bank account in my name, using my social security number. Discover did not catch or identify the fraud. The bank account remains open. I learned through Chex that the account has been open since early June 2022. I have been trying to contact Discover to report the fraud for a week, but they are unavailable. I spent over 1.5 hours on hold on Thursday, July 7, 2022, waiting to speak to a representative. I was then disconnected. I talked to someone in general banking who assures me someone from the fraud department will call me back within 5 days. I spent over 130 minutes on hold on July 11, 2022, and no one has answered the phone yet. (The wait time was reported as "only" 90 minutes.) The website promises 24/7 availability -- this is clearly not accurate. If a bank is not even available to receive notification of fraud, then it should not be entrusted with the public's money or licensed to bank.Business Response
Date: 07/14/2022
Please see attachedCustomer Answer
Date: 07/29/2022
Complaint: 17549845
I am rejecting this response because:reported via email2 days agoTo:***************************************************************************************You don't often get email from *******************************************.Learn why this is importantHi BBB,Thank you so much for the updates on my report concerning Discover Bank. I apologize for the delayed response. I do not believe that Discover has adequately addressed my concern. In fact, I received a letter dated July 21, 2022, notifying me that Discover has closed my bank account because it was never funded. A review of my file will reflect that in early July, my complaint to Discover was that the bank account was fraudulent, and I was concerned with Discover's lack of urgency in identifying the fraud and closing the account. I would like to renew my new complaint. ******** account should have been closed as soon as I notified them that it was fraudulent because it was fraudulent -- not closed a week later because the bank account was unfunded. Discover's banking practices are clearly unacceptable. It appears the bank is more interested in having a high number of accounts than good banking and business practices.Thank you for your attention to this.Best,****** Greenstein
Sincerely,
*********************************Business Response
Date: 08/03/2022
Please see attachedInitial Complaint
Date:07/11/2022
Type: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 check my bank accounts daily to verify their security. I checked my Discover Savings account on Wednesday July 2nd and noticed an exceptionally large ACH Withdrawal that posted. I did not authorize the transfer and it was fraudulent. I'm now trying to report this in a timely manner to Discover Banking's fraud department and I'm unable to get ahold of them. Wait times are in excess of three hour at which point calls are dropped. Being military I already lack free time to deal with this issue. But I can't even report the issue to get it resolved. It's July 11th and I've spent countless hours (recorded in phone logs) trying to get ahold of Discover. I've messaged them on their secure message center as well. But they won't handle the case on their.Business Response
Date: 08/04/2022
please see attached responseInitial Complaint
Date:07/11/2022
Type: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 don't know why you are still giving me this "other than you" feedback. I AM ME! and I'm asking you to delete the fraudulent accounts that I saw on my credit reports. I attached documents such as IDs, SSN, and my POA. I'm getting annoyed with this ******** you are giving me. You are avoiding deleting the accounts that I keep on reporting and giving me the same feedback! Delete the accounts that I am reporting and I'm only giving you 15 days, you are testing my patience!Again, These are the accounts that you must block because I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION hence, these are all fraudulent accounts!DISCOVERBANK , Balance $5,114.00 Account Number ************Business Response
Date: 08/03/2022
Please see attached.
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