Discover Bank / Discover Financial Services
Reviews and Complaints

Early February 2018 received an offer from Discover to get a limited card to help rebuild my credit. Was told when making the application by phone that a deposit would be required initially, then some line of credit would be determined. Once the card are issued and used, after 6-12 billing cycles of good payment history, I would get that deposit back. After sending in deposit, I checked on the application. I then was told that NO actual credit over the deposit amount was approved. Because no actual credit was being issued it made more sense to just hang onto my money. I cancelled immediately right then - never having physically received or activated a discover card I was told when I cancelled in late February that the deposit was "expedited" and would be received in about 10 days. I called on March 9th to check on a date I could expect that back and was told that nothing was done yet and they would then expedite the return of my money. This was the second time I was lied to about about the matter. I called again on 3/19 to check and still nothing had been done and after speaking to a supervisor about my extreme inconvenience over this and they promised a call back within 72 hours. On 3/22 I had not got any phone call - and had to make a fourth call to a manger in Phoenix about this and was again given the same handful of thin apologies and told they would try to do whatever they can. This was now the fourth time I was lied to. I explained at that I had been given the run around to the point where I would never ever speak any good about my experience with Discover Card and would take my complaints to whomever would listen. I still have no idea when I will get my deposit back. So, I have been robbed.

Discover stole $25K from my bank acct to an already closed account after they denied my application. I applied an online saving acct with Discovery, they pre-approved but required me sending supplementary documents. After a few days they sent me a letter stating they can not approve my acct and will sent back the check I wrote to them. However the did withdraw $25K from my citi bank acct and refused to return it back immediately. They can only process that after 5 days, which put me in a risk of over drafting and interest loss. I'm looking for the help from Attorney General office.

I have been a member with Discover since 2016 I have used my credit for personal use work - travel -daughters graduation College Party -each time my card had a high balance I use my quarterly commission to pay off the entire balance. This has been done more than 3 times since becoming a member. While preparing for my daughters wedding and using my card for payment for things needed I received a message from Discover stating my balance was decreased due to use and other credit card related charges. I have been a responsible adult paying all of my bills and never had an issue. With Discover treating me like a child in essence to reduce my credit limit is simply not acceptable. There are no reasons for this to occur. I was planning on paying off my balance in the next month, and now have decided to take my commission and not pay off my balance. I use a credit reporting agency site to monitor my credit and refuse to have Discover make my financial decision. I will never use this card again and will warn people about there practices.

Christine Clements

A Discover Bank CD came due and the grace period began on 8/1 through 8/10. On 8/4 I called and closed the CD, requested a check be mailed, and received a transaction confirmation number. On 8/23 I realized the check had not been received, so I called Discover Bank. I was told there was an error in the system and that the check would be issued that day with interest. Again I received a confirmation number. On 8/25 I looked online and saw that the account had not yet been closed. On 8/26 I called Discover Bank again and spoke with a supervisor. She said she would bring the issue to the 'incident team' and that she would call me on Monday (8/28) at 4:45 pm. When we spoke on Monday, she had not yet received any word back from the 'incident team'. She called them while I was on the phone and reported that they were working on the issue. She told me the issue wouldn't be resolved during the phone call but that she would call when it was resolved. No call came, so today on 8/30, I called Discover Bank again. This time I spoke with the supervisor's supervisor. He spoke with the 'incident team' and assured me they are working on the problem although he could give me no estimated fix date. He said he would call when the issue is resolved. Discover Bank has kept this money for almost a month now and they are not able to tell me when a check will be issued. This is a large sum of money and Discover Bank can't seem to find a way around their computer problem which is preventing the check from being issue. This is completely unacceptable and they provide no further path of escalation.

Hello,

I use Discover Checking Savings and credit card. I have been the customer since 2009 and have been making payments regularly since 2009. I have around $50K in Discover savings because I trust the brand. Had a very horrific experience today 7/31/2017 @2:45 PM when I spoke to the manager Shar. I made a purchase of $1599 via Discover deals - Microsoft shopping. This was in the month of April 2017. I called on April 24th to confirm that and was told I will receive the cashback bonus in 2-3 bill cycles. So I called back today and was told that laptops were excluded. The manager said it was my responsibility to check exclusions and even if the rep on 24th April said to wait, it is not Discover's issue. She had a very rude tone and said nothing can be done. She said her time is valuable etc etc. This is such a negative customer experience. If I was made aware of this on April 24th I would have returned and repurchased using another card which was not excluding laptops from Microsoft. This is very disappointing and I was not expecting this abysmal service from a company like Discover. The manager took a very contrarian posture :-( .
The desirable resolution would be to provide better exception policies for such use cases and I would like to get $159/- in rewards if not more (10% of $1599).
Looking forward to a good resolution.

Thanks

When i opened my account, I believed i would be able to transfer and send easily. once i transferred funds on thursday 07/13/2017. It transfer posted 07/18/2017. That is 5 days later. the process took longer than me taking money from the atm. Once it finally took the money it left me with 0.00 in my account. so not only is my bill late, so is everything else i wanted to accomplish today. They did not do anything to help me at the customer service center. Rebecca just kept repeating herself over and over. Her supervisor nick, i am sure would have done the same. The fact that there is no bulletin points for transfer and not a bunch of words to read through. the fact that i am left with no money and this account was supposed to help me. I am closing the account because all it did was create a longer process to get to my money. It did not save anything for me. I AM NOT HAPPY WITH THE CUSTOMER SERVICE, I AM NOT HAPPY WITH THE ACCOUNT. I AM MOST UPSET WITH DISCOVER I THOUGHT THEY WERE GREAT.

I find it disturbing that I have to ask for my interest to be lowered. I have a damn near 800 credit score and my interest rate was still 19.74% u yup it was lowered to a lousy rate of 16.99%. I've been with your company since 2011 and not once has the APR gone down. I was told in a live chat that your company frequently checks for better interest rates, I find that hard to believe that in 6 years your company actually checked. It's pathetic that I have to ask for a lower interest rate and quit frankly that's not a good way to do business. Probably because your making money off me but still it's down right awful. I don't care if I have to open another credit card just to stop doing business with your company but I'm going to find a way.

As of the end of January 2017, Discover has informed me that they submitted a 1099C on my debt to them from 2012.
I have authorized Discover to communicate with the three credit bureau agencies. The agencies reported back that two of the three were denied communication regarding my account.

I then requested a letter stating that I owe no money to Discover. They provided me with a letter stating the account balance of $1200+. This is the amount they have reported to the IRS as a loss on the 1099C. If they have charged off the debt, I no longer owe the debt. Therefore, there should be no problem issuing the letter stating I owe $0.

My husband and I have made several attempts to contact Discover, leaving messages for several people with a small percentage of returned calls.

We will be reporting this situation to the

To Whom It May Concern,

On September of last year (2016), my wife have ordered a Tag Heuer watch from Amazon.com using our Discover credit card. When the product was delivered to our home, we found that the merchant has sent us a product that is completely far from the item that we have paid for. We then called the merchant right away to notify them of this discrepancy but no resolution was put into place as the merchant refused to send us the right item or refund us back our money as they claim the circumstances to be impossible. Devastated on the outcomes of our conversations with the merchant, we then contacted our issuing bank, Discover Bank on September 22, 2016 to seek for help and initiate a dispute against a charge of $3, 886.50 from Amazon.com. The dispute process took nearly 6 months as Discover bank kept siding with the merchant AFTER my wife and I have provided them with all of the documentations they asked. In that span of time, we had to contact them multiple times to re-open the case and have also provided them with more compelling evidence for them to even re-consider their decision after they would close their investigation in the merchants favor. Our chargeback dispute was denied three times even though the evidence and documentation we have given them are far more substantial than what the merchant, Amazon.com have provided them. Also, on January 11th 2017, when we provided more evidence to re-open the case for a FINAL dispute, we were told and promised by the MANY discover bank representatives that we will be getting a final decision within 15 days from that day. Now, two months later after not hearing back from them, we received a notification that states that we are liable to pay for the full amount as they (discover bank), find the merchant to be correct. This ongoing unfair practice that Discover bank has been doing to us have caused us to close our account with them after being their loyal customer for 6 years. As of now, both my wife and I feel discriminated and violated of our consumer rights and all we want is justice that I believe we are entitled to.
Dealing with this corporate greed and new form of "evilness" I didn't know existed made me do my own research online and I have found many others, just like my wife and I to be a victim of Discover banks unruly practices. Not only are they biased of their decisions (they ALWAYS side with the merchant) but they also do not practice their own rules and regulations. As when I researched their chargeback dispute guidelines, it clearly stated that, customers MUST obtain a decision within 15 calendar days during the final review. But clearly, that was not the case for us, as 2 months and 2 billing cycles passed and here we are getting hit by the money we have to pay back for the item we did not even get to see nor enjoy.
This is indeed very hard for us as we no longer know any other recourse to fight this chargeback anymore and we wish that no other honest consumers will have to go through this hell we are going through. If there is anything consumer advocates out there could do, it is to spend some time to review the unfair practices Discover bank is doing to their customers.
I personally think that it is only fair if they re-evaluate their decision and adjust this balance off out account to make the merchant responsible instead of us.

My attempts at securing a travel rewards credit card with DISCOVER were a joke.

They requested proof of address and proof of social security coverage. I submitted a statement from Prudential insurance with my proper address on it.

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom.

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the Prudential statement did not have a date on it.

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills.

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to Staples to pay $2 to fax this information to DISCOVER.

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable.

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card.

CONGRATULATIONS DISCOVER ! You just alienated a loyal potential customer. Your loss. There are other companies that want my business.

Randall E. Stone

i paid a 200 deposit on a secured card for discover and i have not been late on my payments and the company said they would refund my deposit after year. It has been a year. In fact it has been a year and almost 2 months... and i have a great record with them after a year. Now they refuse to pay me my 200 dollars back they wont give me a increase on my card either. I am upset i need the money to fix my car.
And the customer service people are no help. I feel like discover is holding on to my deposit. My name is crystal Caston.
I think they are crooked and are trying to get money out of people that are desperate for a credit card. [protected]@hotmail.com

On Feb 27, 2016 Discover received payment in the amount of $7, 700.87 to pay my personal loan in full. This payment was posted to my credit card, this showed as a large credit balance. When an electronic withdrawal was posted on March 4, 2016 for the loan payment I contacted Discover and they said they needed a copy of the check.
On March 7, 2016 I received a copy of the check and informed Shelton that my payment was miss applied. He said it would take about 15 business days to transfer the funds.
On March 21, 2016 I talked to Bruce who verified Shelton's notes and stopped my automatic withdrawal. He then stated that the transfer should happen within 20 business days. I also talked to Brittany on the credit card side to inform her not to refund the credit as we were waiting for the funds to be transferred to the personal loan.
March 31, 2016 contacted Helen and Ruth Ann because I was unable to make my credit card payment on line. Helen said that she was unable to take the payment because of the credit balance. I know I owe money on the credit card and ended up have my bank transfer the funds, so I would not be late. Both Helen and Ruth Ann said this will not affect my credit. April 6, 2016 received a call regarding a late payment on my personal loan, I stated this was paid in full on March 1, 2016 and please check your notes. Said sorry and will place me on no call list.
April 6, 2016 - I had a 45 minute call with Conner in Salt Lake. Verified notes and said they payment cleared on Feb 27, 2016. I asked about my overpayment for March 4th being refunded. They cannot refund until payment is posted correctly. This should all be done by April 8, 2016.
April 14, 2016 - Received a call needing immediate payment for the personal loan. Again stated this was paid in full and please check your notes. She said she would refer this to her supervisor.
Today April 18, 2016 the payment has still not been posted correctly. It has now been 30 business days. I need to know when this will be corrected. I also would like to know why I cannot talk to a supervisor when requested.

I was solicited through the mail to open a savings account with a $100. bonus. They did everything in their power to make sure I didn't qualify for the bonus. Even though I have excellent credit, delayed my application for several days; I was never given a reason why. After spending several hours on the phone with them, (their hold times are unacceptable) telling me they would call me back (they never did), they finally approved my account. Then they tried to say I don't get the bonus because it wasn't opened in time. I then pointed out to them on my offer the fine print says you APPLY by 1/31/16 not if it's opened by then. So then they told I still don't get it because the funds have to be in your account by 2/15 and it takes them at least a week to post it to your account. The soonest I could transfer the money electronically was 2/11/16 because of their delays not mine. Even though my receipt said I sent the money on this date, they would not honor it.
After spending over an hour talking to supervisor Jesse A. On 2/11 reference # INX565 who wouldn't budge, I decided it was best I cancel the $15, 000.00 transfer and close the account. Jesse A. Had no problem doing this, he didn't even try to keep me as a customer, I was so upset that I told him I also want to close my Discover credit card, and he was happy to transfer me over to a rep. Who could handle that. They would rather pay their employees to argue with you about petty things than to just pay you want you have coming to you. I wasted my time and could have made more money working than talking to these people and getting nowhere. Not to mention the stress they put you through.
They also lost money by loosing me as a customer and paying employees hours to ague on the phone, it seems like it would have cheaper and more lucrative for them to just give me my bonus, but I guess they don't look at it that way. The good thing is I found out early on how they treat their customers, and we have other choices. I just sold some real estate and have a large sum of money to invest, I'm sure I can find a bank I don't have to beg to take my money

The cards for my authorized users were shut don because I refused to supply their social security numbers. My account is still open for me to use. I also learned that my account information is available on the authorized users credit reports. Discover cross reports the account owners info. My personal info is on the credit reports of my employees and family members who have authorized user cards. They did this by using public records since they did not have current address, birthdate, or social security numbers. In one case it was based on a common address from over 15 years ago. My credit history should not impact the credit of anyone else, or visa versa.
I am closing my account and checking the credit reports of everyone involved. My bank is helping me file a complaint with the baning commission. I talked to Visa, Mastercard, anfd American express and was told none of them shore this policy. I am in contact with my stae attorney general. In this age of identity theft my information shoiuld be secured. Please pass this policy information on so we can all be aware of the dangers of having a Discover Card.

I have no energy left to fight that abuse for making me pay for nothing. I was told, I am entitled to cancel a credit card (account)if unauthorized by me charge was placed on my account. On September 2013, I and my wife called and asked to close the Discover Card account and put charge for Marriott timeshare in the amount of $2500.00, that was not authorized by me, in dispute. I never signed an agreement to initiate a timeshare with Marriott and I do not have a timeshare from Marriott. Discover Financial Services refused to close the account and notify me of closing my account per my request. I began to experience a financial terrorism from Discover Card ever since instead of getting help to cancel unwelcoming timeshare, that was based on nothing yet, cancelled. It was not a valid charge, no material and no services were obtain, nothing was used or nothing was kept. In 2013, Discover Financial Services quietly began to charge my bank account without my knowledge, and after that attacked me and threatened my responsibility when I tried to fight. I never authorized automatic payments for a minimum monthly payments and I did not really understood how to fight their games. Discover Financial services got its claws on me and my bank account and would not let me go. They refused to close my Discover Card account. I asked them to put that timeshare in dispute no one time and to close credit card account for which I even do not have card since I asked to close account on September 2013 again and again, but every time they would sent me a new bill under pressure of jeopardizing my credit history. Now they sent me a bill for $4096.52 with minimum payment of $345.00 to pay. They already scammed me on over $3024.00 for nothing. Please let me know if I am entitled to any damages of that scam.

I am 67 years old and English is my second language. On December 2013 my wife got a brain injury and was not able to help me for a while against that abuse. They used me and took an advantage of me. Please help me to get my hard working money back that were scammed from me by Discover Financial Services.

Beware - Discover Card is clueless! After applying for a Discover Card on a form that they pre-approved for me, they rejected my application. I have a stellar credit score and record. At 2 big box home improvement stores, my credit limit is 5-figures. The official reasons were 'unable to verify residence/address' for a home that I've owned for 3.5 years and where they mailed me the application and rejection letters! They also claimed to be unable to verify my credit references. This organization (Morgan Stanley) is screwed up. Adios Discover Card!

Over my six-year experience with Discover Bank, I have found nothing to like. Everything about this joke-of-a-bank is a nightmare ... from horrible customer service (e.g., telephone "hold" times often in excess of an hour), to their slow and antiquated online messaging platform (e.g., they won't allow customers to use ordinary email; message date-stamps are always wrong), to their BACKDATING of online funds transfers (that's right, they BACKDATED my online funds transfer to an external account by one whole day, thus costing one day's earned interest. A total NIGHTMARE dealing with Discover Bank! I'm convinced they intentionally try to cheat customers whenever they think they might get away with it. Thought USA banks were supposed to be federally regulated. Don't understand how this joke-of-a-bank has been allowed to remain in business so long. They are the worst! Stay away.

My discover credit card application is rejected twice. I did keep a track of the process every day and each day i was said the documents are under review and one fine day they say its rejected and you have to reapply. Neither was i informed the reason before declining nor i was given any time to submit documents if required any. Directly the application was declined.

I have been a Discover card holder for 6 years. This gets a little confusing, but I hope I break it down correctly. I lost my card and called and requested a new one, FOUR months ago. They sent me a new card with a new number. Only problem? Somebody else has the same number! Not knowing this, I logged in to my online Discover access, which I have been using for years to audit my account and make payments, but now I am locked out. Because my new card has somebody else's user name attached to it. I then call Discover. And this is where the fun really begins. First, they keep calling me by the other persons name, repeatedly. And I keep telling them that this is not me. Finally, they find me but they say I have never made payments on line. (UNTRUE) Then they find my online payments and say, "Oh, look, you have." So, after dozens and dozens of calls to Discover, and extensive conversations with supervisors, the only solution that they can offer me is to use this other persons login! They tell me, unfortunately, Logins cannot be changed, so I am stuck with some other persons information. This simply does not sound safe or accurate to me, and I have gone through a litany of supervisors at this point. Nobody can give me somebody higher to talk to; in fact they suggested I write a LETTER to a PO Box in Salt Lake City. Sorry, but that sounds pointless. Who is going to open the letter? Don't they have a phone? Why am I being ENCOURAGED by a CC company to use some other persons information to login on line? I went ahead and made a payment over the phone, very reticently, and it took two weeks for them to process it. Something horrible is going on. And this is all new. I have been happy with Discover up until now. ! Anybody else ever hear of such craziness? Can I report them to somebody? To this day, four months later, the problem has not been resolved.