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 15874 Wilmington, DE 19886

• 

  Discover Card

  502 E Market St Greenwood, DE 19950

• 

  Discover Card

  P.O. Box 15158 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15162 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:05/28/2025

  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 opened up a fraud inquiry with Discover after seeing a series of alarming, blatant, unauthorized activity amounting to $1000's of dollars. This activity was all based in countries outside *****************, countries I have never visited in my entire life. To be short: direct, blatant fraud. Around this time, one of my ***** cards also received similar unauthorized activity, which happened to amount to even more than the disputed amount with Discover. The patterns of activity and country of origin were the same, the only difference being one of the merchants (Hadsbag) which I cannot recognize to this day, but possibly derives from Asia given the pattern with majority of other fraudulent activity. After multiple follow-ups with *****, clarifying questions, and investigations with their fraud operations team, I was informed on 05/19/25 that ***** ruled in my favor with what was shown right around the same timeframe as my Discover card. Since all of this has been fraud from the very beginning, I was pleased to see ***** recognizing this. However, I assumed for Discover to do the same. Both ***** and Discover closed my cards automatically on their end in 2024, with me not monitoring activity closely until earlier this year. I answered some follow-up questions with Discover earlier in May, where I reiterated I have never authorized these transactions. One of the representatives, in a follow-up question, stated how I authorized one or more Hadsbag transactions back in December of 2023. To that, I replied I cannot completely recall, but if it was authorized, it never should of been as it's clearly fraud. This is a fact that is reinforced by ******* findings and resolution with their case on 05/19. I am seeking for Discover to review their findings, and ultimately follow in **** ****** ******* direction earlier this month of clear, terrifying, fraudulent activity with the same countries of origin.

  

  Business Response

  Date: 06/03/2025

  See attached response

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23385261
  
  I am rejecting this response because:
  
  I strongly disagree with Discovers determination that no fraud occurred on my account ending in 8937, as the evidence I have provided clearly supports my claim of unauthorized transactions. I have been diligently addressing this issue with both Discover and *****, and the favorable outcome of a similar fraud case with ***** further validates my position. Below, I outline the key facts and discrepancies that warrant a re-evaluation of Discovers decision.

  
  First, Discovers response references a login on December 29, 2023, and a transaction with a merchant listed as HSDSBAG ** WE SHI CHN on December 31, 2023, claiming that I verified this activity with a two-way email alert sent to ************************ Upon reviewing my records, I did not find this email alert, and given that this occurred over a year and a half ago, I dont recall responding to any such alert. While I may have inadvertently authorized a transaction around that time, it should not have been processed, as I have no history of dealings with this merchant not engaging with them. Furthermore, I have never traveled to the countries where these transactions occurredspecifically Europe and Asiasuggesting that this transaction is part of a broader pattern of unauthorized activity, as confirmed by another financial institution, ****** which ruled in my favor on a very similar fraud claim based on the same facts. This should be the clearest evidence, along with fraud confirmation from other financial institutions with the same facts.

  
  Second, Discovers response does not adequately address the context of my accounts closure, which directly impacted my ability to monitor and report the fraudulent activity promptly. Both my Discover and ***** accounts were automatically closed by the respective banks in early 2024, not by me. I was not actively monitoring these accounts because they were closed, and my checking account remained the primary one I used. It was only earlier this year, upon reviewing the closed accounts, that I ************************ several unrecognized charges, including the Hadsbag transaction on my Discover account. I immediately confirmed with my partner that these charges were unauthorized and reported them to Discover right away. The automatic closure of my accounts explains the delay in reporting, and this context should not undermine the legitimacy of my fraud claim.
  Third, I have already successfully resolved a similar fraud case with *****, which involved unauthorized transactions on a separate card that was also automatically closed by the bank in 2024. ***** reviewed my case, including the transaction dates and my lack of travel to the countries where the charges occurred, and ruled in my favor. I provided Discover with the same documentationstatements and ***** activity recordsas part of my CFPB complaint, showing a clear pattern of fraud across both accounts. *****s favorable ruling serves as a precedent and supports my claim that the transactions on my Discover account were also fraudulent.

  
  Finally, Discovers assertion that I should contact their Customer Protection ******************** at ************** if I have additional questions about the fraud investigation does not resolve the core issue: their initial denial does not align with the evidence I have presented. The transactions in question, totaling $4,567.55 as of May 24, 2025, occurred on an account that was closed and not actively monitored due to the banks actions, involved a merchant I have no history with, and took place in countries I have never visited. These facts, combined with *****s acknowledgment of fraud in a parallel case, demonstrate that Discovers conclusion is incorrect.

  
  I respectfully request that Discover re-evaluate my case with the full context provided, including the automatic account closure, my lack of travel to the transaction locations, and the supporting documentation from *****. I am happy to provide additional details or evidence as needed to resolve this matter. Please feel free to contact me at the number provided in my complaint for further discussion.

  
  Sincerely,

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

  

  Business Response

  Date: 06/11/2025

  See attachments

  Customer Answer

  Date: 06/11/2025

   
  Complaint: 23385261
  
  I am rejecting this response because:

  I strongly contest Discovers June 11, 2025, response to my May 27, 2025, complaint, which unjustly upholds their fraud denial on account 8937, a stance contradicted by Chases June 2, 2025, ruling. Unauthorized transactions totaling $2,883.16 occurred between December 2023 and January 2024 from merchants "JADOFEI **** **** SHICHN" ($117.29), "SPORTYFEM HKG HKG" ($2,479.99), and "********************* SHANGHA..." ($285.88), all in ********* Ive never traveled. ***** absolved me of $15,858.55 in similar fraud, confirming my travel absence. Ive attached Chases official June 2nd, 2025 letter.

  
  Discovers assessment overlooks that ***** follows the same processbilling statements, online access, and minimum paymentsyet their rigorous investigation confirmed fraud despite these. ***** verified the same fraud seen in the Discover transactions disputed within their official communication attached, which is incontrovertible evidence that sets the course for settlement. Discover suggests I should have monitored my account, citing monthly statements and payments, but this shared responsibility doesnt determine fraud validity. I do not recall authorizing the "HSDSBAG" charge, nor believe it should be, given its alignment with fraud across accounts, yet Im willing to settle on the $2,883.16 remainder excluding "HSDSBAG." Their June 3 and 11 responses (attached) deny $4,967.55, relying on questionable verification and the February 16, 2024, closure.

  
  The closure, due to an unverified January 3, 2024, request I dont recall, hindered monitoring. Post-closure access was ineffective; payments were in good faith until fraud emerged. The Cardmember Agreements closure right, mirrored by ****** similar clauses, doesnt justify denialfraud remains fraud despite delayed reporting. Discovers oversight is evident, as they cannot ignore Chases binding precedent. I request Discover reverse their stance, refund $2,883.16 for settlement, and resolve this using Chases precedent. Failure to act will prompt escalation.

  
  Regards,
  
  ******* *****

• Initial Complaint

  Date:05/27/2025

  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 am writing to formally dispute a charge made to my account by ********* for a hotel booking that was never honored. I booked a 4-night stay at ************************* through ********* for the dates April 28, 2025, to May 2, 2025. However, upon arrival, the hotels front desk informed me that they could not locate any valid reservation under my name. They further stated that there were two bookings from ********* that had both been canceled and refused to provide a room.I immediately contacted ********* and spent over 1.5 hours on the phone, during which they insisted the booking was valid and urged me to check with the hotel again. I called the hotel once more, and they confirmed again that no reservation existed and no room would be provided. After nearly three hours of back-and-forth with both parties and with no resolution, I was left with no choice but to find and book a different hotel nearby at my own expense.Adding to the confusion, ********* falsely claimed that I had already checked in, which is simply not true. If I had checked in, there should be a signed registration or record of my stay. Neither the hotel nor ********* has provided such proof.Upon further investigation, I discovered numerous online complaints from other customers who reported the same deceptive practices involving *********. These include canceled bookings without notice and refusal to issue refunds for services not *********** I did not receive the service I paid for and had to pay out of pocket for alternative lodging, I am formally requesting that you reverse this charge and refund the full amount to my account.Please find attached supporting documents, including:My original booking confirmation Screenshots of communication with hotel and ********* A record of my alternative hotel booking Similar victim story on reddit This situation was incredibly stressful and financially damaging, and I respectfully request your assistance in resolving this matter.Thank you

  

  Business Response

  Date: 05/29/2025

  Please see attached.

  Customer Answer

  Date: 06/08/2025

   
  Complaint: 23384911
  
  I am rejecting this response because:
  I just uploaded the call recording with the hotel front desk to prove ********* cancled the booking from their end, the hotel didnt receive the reservation and money. Hotel didnt't allow me to check in and stay, I didnt get the service so I want my refund. Thanks
  Sincerely,
  
  Hang ****

  

  Business Response

  Date: 06/09/2025

  Please see attached.

  Customer Answer

  Date: 06/12/2025

   
  Complaint: 23384911
  
  I am rejecting this response because: I have uploaded the call recording with hotel front desk
  
  Sincerely,
  
  Hang ****

• Initial Complaint

  Date:05/27/2025

  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 paid discover $360 for 12 service charges for a fee that they told me my bank charged them, after talking to my bank(BoA) they do not charge anything for a payment that bounces due to insufficient funds.

  

  Business Response

  Date: 06/09/2025

  Please see attached. 

• Initial Complaint

  Date:05/26/2025

  Type:Order 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.

  In November, I placed an order with Merch Traffic using a Discover card. The item arrived in December broken. The company claimed they would send a replacement and never did and blocked contact. I opened a dispute with Discover since I had tried going through the merchant with no results. Discover then sided with the merchant stating that the merchant validated the charge and therefore that was the end of it and they would do nothing further. Discover has refused to help even when provided with documentation where the merchant said they would send out replacements, which they never did, and proof that they have blocked my email communications. Discover is still refusing to help.

  

  Business Response

  Date: 06/18/2025

  Please see attached

• Initial Complaint

  Date:05/26/2025

  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.

  There was a payment of $220.48 that Discover paid. Unfortuantely I did not get to the cheque on time due to personal and some medical reasons. I would like to request Discover to re-issue these cheques and any cheques that I might have missed in the past 3-4 years so that I can deposit the money into my account. These are for overpayment. I always pay my bills on time and there might be been instances where I've ended up overpaying due to a return being processed late. Thank you.

  

  Business Response

  Date: 06/02/2025

  Please see attached.

  Customer Answer

  Date: 06/03/2025

   
  Complaint: 23379607
  
  I would like to keep the complaint open for now, until resolution. I will reach back out to the business this week. Thank you for your prompt attention.
  
  Sincerely,
  
  ****** Judge

  

  Business Response

  Date: 06/04/2025

  Please see attached.

• Initial Complaint

  Date:05/26/2025

  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.

  Got a email from discover saying if I spend 500 dollars between 4-21 and 6-30 I would receive 50 dollars cash back. I put ****** on the card between April 23 and the 1st of may to qualify for the promotion, I noticed that I didn't receive the 50 cash back, I called in they told me I would receive it on Mon 5-26 after my billing cycle ended on may the 24th, still didn't receive it called back in and got the run around so I cancel the card.even through I cancel the card I still want my 50 dollars credit that I earned

  

  Business Response

  Date: 06/04/2025

  Please see attached.

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23379238
  
  I am rejecting this response because:
  this is'int correct, when i called in i kept getting different answers when i would receive my cash back. The *** i spoke to the day before may 24th assured me i would receive my cash back after my billing cycle ends on the 24th, noticed i didn't received my cash back on the 24th so i called again the *** said since the billing cycle ended on the weekend that i would receive it on that monday may 26th. That monday i did the chat because i didn't see my cash back in my account they told me i had to wait a couple of hours till the system updated and to check back later that day. check later around noon and still didn't receive my cash back, Called in and that's when the *** told me it could take 2 billing cycles to receive my cash back, Why wasn't i inform when i called earlier, this is the 2nd time i had trouble with your promotions so i went ahead and cancel my cards, even through i cancel my cards i still want my rewards in which i earned
  Sincerely,
  
  ********* *****

  

  Business Response

  Date: 06/06/2025

  See response attached

  Customer Answer

  Date: 06/09/2025

   
  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,
  
  ********* *****

• Initial Complaint

  Date:05/26/2025

  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 was a victim of bank fraud. My last payment apparently bounced back. With no call to me or no notification the payment was returned and account closed before I could rectify the issue. This really ***** as I dont have many credit cards and really need this discover account. It was a honest error out of my control. I have no problem replacing the payment. Just need my account reinstated.

  

  Business Response

  Date: 06/04/2025

  Please see attached.

• Initial Complaint

  Date:05/25/2025

  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 filed a fraud case with Discover Card, and they (*****) said it was fraud. However, Discover constantly threatens me by saying the charge was valid and wants to put it back on my card even though it was found to be fraudulent. The Fraud was against a company, E-drains - they charged my card twice. Discover sends you emails over the weekend, so that you can't even contact anyone is fraud to discuss anything. They do this on purpose.

  

  Business Response

  Date: 06/12/2025

  Please see attached.

  Customer Answer

  Date: 06/12/2025

   
  Complaint: 23376391
  
  I am rejecting this response because: You have your information wrong regarding: You said: On April 2, 2025, we advised you that the transaction was not fraud due to your own admission, youauthorized the transaction and provided the value of these items to third parties  

  I have never authorized EDRAINS and I have no idea what you mean by provided by the value of these items to third parties? What does that even mean?

  I have explained this over and over. Edrains hijacks customers from the *********************************************. They made a website called "*****" and they ANSWER the phone with the name *****. My friend called for me  thinking he was talking to the real ***** but it was EDRAINS who never ID themselves. I never authorized EDRAINS anything. Bottom line.  If you called for your mother and then later learned that the company that came out wasn't the real person - would you charge and blame your mother?? 

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

  

  Business Response

  Date: 06/13/2025

  Please see attached.

  Customer Answer

  Date: 06/16/2025

   
  Complaint: 23376391
  
  I am rejecting this response because:

  I appreciate you looking into this situation. However, this has been going on for several months. 
  
  I contacted Discover by phone when I first learned I was defrauded. I was told to file a dispute even though the charge was several months ago. In fact, the Discover agent filed it for me. 
  
  Then, I'm told it was too late to file the dispute (contradicting my first call). I was told I should have filed a fraud case. The Discover agent then filed a fraud case. 
  
  I contacted Discover HQ, and ***** told me it was definitely fraud. 
  
  Then, Fraud called me and said it was not fraud and that I should have filed a dispute!!!! Imagine my anger at your agents telling me back and forth, saying it's fraud, it's a billing issue, etc. 
  
  I've been lied to, saying (1) it was fraud, (2) my $580 was credited to me, BUT in reality, Discover put it back on my card, and I was forced to pay it. 
  
  I have suffered from this emotionally and physically, mainly because of how Discover has treated me. When talking to a Discover agent, I suddenly had a visual migraine, which is very unnerving if you have ever had one.
  
  Discover has made it clear that they plan to let the scammers get away with it and that Discover doesn't, in truth, protect you from fraud even if you are a long-time customer since the 1980s. I am, in fact, no one to you. 
  
  Thank you for looking into this. 
  
  Sincerely,

  
  ***** ******

• Initial Complaint

  Date:05/25/2025

  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 filing this complaint against Discover Card concerning their failure to issue *** Form 1099-C for a charged-off ******* account with ********************** (account number: ******************* was opened on 09/22/2022 and charged off in November 2023. The charge-off balance is $6,415 as of May 2025. Despite the charge-off and notation that the account was written off, Discover Card has not provided a Form 1099-C for the discharged debt.I have requested the 1099-C form for tax purposes, but Discover has not responded. This situation is causing complications in my tax reporting, as the *** requires a 1099-C for canceled debt. I am requesting that Discover issue the 1099-C for this account so I can report the forgiven amount properly.I expect Discover Card to resolve this promptly by providing the 1099-C form or a clear explanation of why it has not been issued.Thank you for your attention to this matter.Desired Outcome: Issuance of *** Form 1099-C for the charged-off account.Removal of credit reporting

  

  Business Response

  Date: 06/02/2025

  Please see attached. 

• Initial Complaint

  Date:05/24/2025

  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 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: 06/03/2025

  Please see attached