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
- 3,184 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:05/30/2025
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 have been a Discover customer for years. My credit report is now deeply incorrect, as it lists no credit history at all! I updated my name with discover following a legal name change, and now my credit report has been saying that I have no credit history at all. This is preventing me from taking out any new loans despite the fact I used to have really good credit. I need Discover to resolve the issue between the various data systems so that I have a credit score once again.
Business Response
Date: 06/06/2025
Please review attachInitial Complaint
Date:05/29/2025
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.
Ive been a Discover customer for years, and Im extremely disappointed with how they handled my account recently. Despite being significantly behind on payments during 2024, Discover kept my account open the entire time. I worked hard to turn things aroundcatching up, making large payments, and getting back on track in early 2025.But shortly after I submitted two formal complaints to the Consumer Financial ***************** (****) regarding Discovers handling of my account because they were not reporting my payments to bureaus timely, they abruptly closed my account on May 28, 2025, citing "past or present delinquency." This feels incredibly retaliatory and suspicious given the timing.They had multiple opportunities to close my account when I was truly delinquent, but chose not to. Instead, they waited until I improved my standing and tried to hold them accountable. Ive asked for an explanation, and they responded with a generic, copy-paste messagesno real answers, no accountability.I have since escalated this matter to the **** again and will be contacting my states Attorney General. Its unacceptable for a financial institution to punish customers for speaking up or taking action to protect their rights. Discover's behavior raises serious concerns about how they handle complaints and treat customers trying to do the right thing.Business Response
Date: 06/06/2025
Please see attached.Customer Answer
Date: 06/06/2025
Complaint: 23395262
I am rejecting this response because:Discover-
I am writing in response to your recent communication regarding the closure of my credit card account on May 25, 2025. While I appreciate your acknowledgment of my successful completion of the repayment program (November 28, 2021 May 13, 2024), I find the explanation for the account closure unsatisfactory and lacking necessary documentation.
Specifically, you stated that my account remained open and was reviewed on a monthly basis following the program's end. However, no agreement or documentation was ever provided to me outlining this post-program review period, nor any terms indicating that the account would remain open subject to future closure due to unrelated credit factors.
I am requesting the following:
Proof of policy outlining the criteria and review process Discover follows after the conclusion of a repayment assistance program.
Any agreement or disclosure I was subject to that explains why my account was allowed to remain open from May 13, 2024, to May 25, 2025, and under what conditions Discover would later choose to close it.
Details regarding the specific credit report information used to determine the closure rationale a full year after the program was completed.
At the time of closure, I was not delinquent on the account, and ********************** had not expressed concern or intent to close the account prior to May 2025. Closing an account in good standing, one year after successful program completion, without formal warning or prior policy disclosure, reflects unfair and inconsistent account management.
I respectfully request full documentation supporting your decision. If this information cannot be provided, I ask that you reconsider the status reported to the credit bureaus and correct the record to reflect a closure initiated by the customer, or at minimum, closure under mutually neutral terms.
Sincerely,
****** **********Business Response
Date: 06/10/2025
Please see attached.Customer Answer
Date: 06/10/2025
Complaint: 23395262
I am rejecting this response because:Discover mentioned that my account was reviewed monthly from May 2024 through May 2025 following the completion of the hardship program. However, I have repeatedly asked for copies of those reviews, and Discover has refused to provide them. If those reviews played a role in the decision to close my account, then I believe I deserve to see them. Without documentation showing a decline in my accounts standing during that time, its hard to believe that the closure was based solely on objective criteria. I believe my account may have been closed in retaliation after I submitted complaints with the ****. If Discover cannot provide proof that a legitimate decline occurred during those monthly reviews, I ask that you reconsider how my account is being reported. "Closed by Grantor" does not reflect the full context, especially when I completed the hardship program
Initial Complaint
Date:05/29/2025
Type: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.
about 2 weeks ago I went into the discover site to make a payment and noticed charges I was not aware of. I immediately spoke to the fraud **** and they shut down my account with that card and said they were sending me another card. The man was very **** on the phone with me, and I asked if all the charges would be reversed and he said yes Ms ***** they will. I was not able to make a payment then because my account was closed that was tied to that card, when I went back in to try. Fast forward to today, I received my new card a couple of days ago, then today I get an email saying I missed my payment. I go in and activate the card so I can make the payment and I see only 2 of the 8 charges were reversed and I was hit with a $35 late fee!! So I wait on the phone for 45 minutes, only to be told that they are going to reverse the other 6 charges, but they will not reverse the late fee. That is just wrong! The credit alone should have covered my minimum payment and I could not access my account to pay it. Supervisor wouldn't help either, The only response I received was to call back at a later date to see if the opportunity to waive the fee becomes available. UM why would all of a sudden become available if they could not do it when they should have! Is it because they were just bought out by ***********? This is not right and I want this fee reversed asap!!!Business Response
Date: 06/05/2025
Please see attachment.Customer Answer
Date: 06/06/2025
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,
******* PatchInitial Complaint
Date:05/29/2025
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.
Hello someone opened a card with out my knowledge or consent.Business Response
Date: 06/10/2025
Please see attached.Initial Complaint
Date:05/29/2025
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 am filing a formal complaint against Discover Bank due to the mishandling of an identity verification process that resulted in the unjust closure of my account and inaccurate, damaging credit ************ 2023, Discover requested identity verification. I complied with their requests and was told by their own Customer Protection ******************** department that the matter had to be resolved with the *** and that there was nothing further I could do. Despite following their instructions in good faith, Discover closed my account.They are now reporting the account to all three major credit bureaus as Closed by Grantor, which implies that the account was closed because of something I did wrong. That is not true. The closure was the result of Discovers own flawed and obstructive process, not my behavior. This is causing serious harm to my credit and has affected my ability to qualify for a mortgage.I have already filed formal complaints with the Consumer Financial ***************** (CFPB), the ***************************************, and the ************************ (***). I am now asking the Better Business Bureau to help escalate this matter so Discover is held accountable and compelled to cease reporting this account altogether.Business Response
Date: 06/09/2025
Please see attached.Initial Complaint
Date:05/29/2025
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 am not liable for this debt with Discover card. I do not have a contract with Discover card, they did not provide me with the original contract as requested.Business Response
Date: 06/03/2025
Please see attachmentInitial Complaint
Date:05/29/2025
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 received a notice that I have a collection from DISCOVERCARD on my credit report. It says it was opened on 03/2022 for $2,060.00 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and *****.Business Response
Date: 06/10/2025
Please see attachedInitial Complaint
Date:05/29/2025
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.
*********** ********* ************************************** ************************ ********** May 29th,2025 Subject: Dispute of Inaccurate Account on Credit Report To Whom It May Concern,I am writing to formally dispute the presence of an incorrect account on my credit report. The account, associated with Discover Bank, appears as a terminated account, yet it remains on my report and is negatively impacting my credit standing.I request that your bureau review this matter and remove the account from my report promptly. According to my records, this account is no longer active, and its continued presence is inaccurate. I have attached copies of supporting documents that verify my claim.Please investigate this dispute and notify me of the outcome. I appreciate your time and assistance in correcting this error. If you require further information, feel free to contact me at the details provided above.Sincerely,*********** *********Business Response
Date: 06/18/2025
Please see attached.Initial Complaint
Date:05/29/2025
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 have requested to be removed from offers of personal loans by phone at least twice (but likely more), and I have expressed my concern that they are increasing my risk of identity fraud. However, Discover continues to send me these offers. I have followed their protocol without resolution. They need to stop.Business Response
Date: 06/09/2025
Please see attachedInitial Complaint
Date:05/28/2025
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 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: 06/05/2025
Please see attached.
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