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 15155 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15183 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15185 Wilmington, DE 19886

• 

  Discover Card

  P.O. Box 15192 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:05/25/2025

  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

• Initial Complaint

  Date:05/23/2025

  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.

  DISCOVERCARDDate:12/3/2015 Acct#**************** Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 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 . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information

  

  Business Response

  Date: 06/02/2025

  Please see attached.

• Initial Complaint

  Date:05/22/2025

  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 had gotten an email tonight, May 21, 2025 from Discover Card saying that there was a charge that was over the threshold and that since I wanted to be notified of an excessive charge they were letting me know. But, they processed the transaction anyway. I was quite surprised that Discover **************** did not close the account and they could have cared less about what was going on. There was a fraudulent charge of $438.46 charged to my Discover Card as a recurring charge to *** which I never made now or in the past. This is quite concerning because I also found out that they did the same thing to my Chase ****** **** credit card. It appears to be a ****** charge to my credit cards. ***** is going to close the account and reissue me a new account. But, ********************** did not offer to send me a new card and close the old one out and when I called back they are closed now. I am really considering closing the Discover credit card because I do not like the way they are handling this fraudulent charge and recurring charges. When I called QVC which Discover didn't even tell me to do and I did on my own. The representative at *** had to check and said that they had an order under my name but it was being shipped to *********, ********. She removed ****** from my account and was going to escalate it to their *********************

  

  Business Response

  Date: 06/04/2025

  Please see attached. 

• Initial Complaint

  Date:05/21/2025

  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.

  RE: Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! To Whom it May Concern, This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. My personal identifying information above is without a doubt Current, True, and Verifiable! Anything that deviated from this that you have on my credit report is not true accurate reporting and I formally requesting for immediate removal. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS that are not Factually True as I have noted above. Just as I have noted above is most pertinent and you must Authenticate that your correct to report deficient and erroneously of evident compliance of factual reporting particularly in relationship to mandatory the correct and perfect PROCESSES of lawful reporting and the obligatory complete correct METRO 2 Formatted compliance of reporting standards. These are integral of REPORTING, NOT OPTIONS of lawful reporting so please release to me all undeniable documented & certified proof of your claims, the claims reporting processes and formatted nature of the complaint and STOP REPORTING THESE CLAIMS, be it true or not. I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it

  Customer Answer

  Date: 05/22/2025

  Please verify or remove immediately the following accounts: ********************** credit card 
  
  Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
  
  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor cannot verify.
  
  
  I understand that under 15 U.S.C. Sec. 1681i(a), you must complete this reinvestigation within 30 days of receipt of this letter.
  
  Thank you for your time and help in this matter.

  

  Business Response

  Date: 05/29/2025

  Please see attached response and enclosures.

• Initial Complaint

  Date:05/21/2025

  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 tried to take a FREE trial to see if I was interested in ************* I immediately noticed that **** was a sports base company. Since I am a woman, like many women am not interested in paying for anything sports. I wrote an email telling Discover that I was cancelling my trial.. See below the note I sent them. I asked for a FREE TRIAL, so how did I wind up paying $75.00. Seriously how did I wind up paying $75.00 for a free trial? I just want them to cancel my bill. They are threatening to charge me with late fees. They have removed the first month charge of $101.00. Again: this was a FREE trial that I cancelled. How do you get a $75.00 charge from a free trial that I cancelled.This is posted on their site proving Sorry, nothing to see ******* looks like you have no pending or posted transactions. Please check back when you make a new purchase. (this was on their site when I checked to ask what I owe)This was my informing them that I want to cancel the trial...Roberto (fuboTV)Feb 13, 2025, 9:52 PM EST Dear Fubo I am formally telling you that I am cancelling my free trial and I do not wish to continue using Fubo. I was going to join but not after all this drama.  I repeat, my trial is over and I do not wish to continue. thank you for the free trial.  It was too limited to get a good idea of your service.There are over 4000 complaints about **** not accepting people's cancelations. I believe I saw that on the BBB site.Thank you very much for listening to my complaint.

  

  Business Response

  Date: 05/30/2025

  Please see attached. 

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23356573
  
  I am rejecting this response because:  I cancelled my free trial shortly after  taking up with the free trial. I wrote them this note:  
  (Idear Fubo
  I am formally telling you that I am cancelling my free trial and I do not wish to continue using Fubo. I was going to join but not after all this drama.  I repeat, my trial is over and I do not wish to continue. thank you for the free trial.  It was too limited to get a good idea of your service.)

  
  (Actually my trial was not over when I cancelled it was just one or two days later) I have filed a complaint with the ***, this has gone on too long I want this over.
  
  
  
  Sincerely,
  
  ********* ****

  

  Business Response

  Date: 06/04/2025

  Please see attached. 

• Initial Complaint

  Date:05/20/2025

  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.

  Have been using Discover for years now I must say that these past few months their customer service has been totally horrible. I had an issue with an account that I closed because there were some fraud going on and they decided not to help me because the claim was filed incorrectly first. I would have no problem paying it if it was spent by Me, but it wasnt Discover isnt honoring their system.

  Customer Answer

  Date: 05/20/2025

  I am disputing charges for my credit card that I did not push that I did not make. I am filing this on behalf of myself.

  

  Business Response

  Date: 06/05/2025

  Please see attached.

• Initial Complaint

  Date:05/17/2025

  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.

  ***** ****** *************************************** Phone: ************ Email: ******************** Date: April 28, 2025 Company: Discover Bank Subject: Disputed Account Ending in 8512 Improper Credit Reporting To the Better Business Bureau:I'm filing a complaint against Discover Bank for continuing to report an account I did not authorize. Ive disputed this account multiple times, including through the Consumer Financial ****************** but Discover refuses to remove it from my credit file.Discover admits the application was submitted online and has failed to provide a signed contract, IP logs, or call recordings to confirm I created or used this account. They claim my personal information matches, but that data is public and may have been compromised. That alone does not prove I authorized the account.They also claim I contacted their recovery department to make payments. I deny this, and they have refused to provide authentication. Ive submitted documentation that I am a victim of identity theft, and Discover acknowledged the matter may qualify for exclusion under FCRA 605B but has not acted accordingly.This account is negatively affecting my credit and violates my rights under the Fair Credit Reporting Act. Im requesting:Immediate deletion of the account ending in 8512 from all credit bureaus (Experian, Equifax, **********, Innovis).Cease future reporting of this account.Provide copies of all authentication used to claim Im responsible (e.g., IP logs, metadata, call records).Please help resolve this dispute quickly and fairly.Sincerely,***** ******

  

  Business Response

  Date: 05/19/2025

  Please see attached

• Initial Complaint

  Date:05/17/2025

  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.

  My credit card was lost and used fraudulent I have completed a formal dispute to discover. I have completed 4-5 dispute letter, [police report, employers' timecard to display I was at work when fraud transaction occurred. I have made over 65 calls and dispute and escalation I never get a call back from management and get template responses in the mail that no new information was received.

  

  Business Response

  Date: 05/28/2025

  Please see attachment. 

  Customer Answer

  Date: 05/30/2025

   
  Complaint: 23345373
  
  I am rejecting this response because: I have disclosed and provide any required information to have these charges disputed. I have dispute and provide responses to your rebuttals 
  
  Sincerely,
  
  ***** **********

  

  Business Response

  Date: 06/04/2025

  Please see attachment.