Discover Bank / Discover Financial Services
Reviews and Complaints

Opened a high savings yielding account on Sep 29 using their online forms. Deposited several thousands (more than required min) into new account. Get confirmation that money is in account on Sep 30th.

On Oct 1 I'm informed that my account has been closed due to fraudulent activity. No reasons or explanations will be given. Of course I contacted them immediately and was told account closed and that's all they can say about it. My money will be kept by them for 60 days and then I'll receive a check.

Fraudulent activity on a savings acc! They keep my money and earn interest on it for 2 months. Stealing money from me! For a savings account that I had for 48 hrs! They are the fraudulent identity in this case.

On October 12, 2022 I completed an online purchase which was about $2100. A short time later I received a text and an email from Discover advising that my order was declined due to confirmation being needed for the order. I applaud Discover for being proactive and trying to reduce credit card fraud. However, by declining my order, I was inconvenienced, confused on how to rectify the issue with the vendor and lost time for receiving the order. This is the second time this has happened to me this year.

they constantly every month chare me a late fees on late fees I do not owe I have called constantly and have been told they would correct the situation if I paid a disputed amount with the company I ask for a e mail to that effect we can not send e mails I went by the word of the represenative paid the disputed amount but they are still charging me 40.00 a month late fee.

I read online that Discover has a great interest rate and an incentive program that if I transfer $25,000 I can receive a $200 bonus. I set up the account and transferred the money. A few days later, I received a phone call from them saying my account is "frozen" due to suspected fraud activity. No activity at all had happened-- no transactions other than the initial transfer. They wanted me to do a "third party verification" by having me on the phone while they call my other bank and listen in while I verify myself to them and then ask them to tell Discover the money I transferred was in fact mine. I said I had never heard of such a thing in my life and I was not going to do that. Someone could be listening in on this line while I divulge everything for someone to have access to my other bank account. How could that be safe? To date, I have had 3 different telephone conversations, one with a manager, and I've spent several hours on this. They simply will not do anything unless I do their 3rd party verification. At first they told me the "fraud detected" was simply due to the large amount, which was advertised as the minimum required for a $200 incentive! Then today the representative said that was not the case, but that they are requiring this verification across all accounts due to fraud happening all over. He was a nice guy, but had no power to help me. Apparently, if I wait 60 days, my $25,000 will be automatically sent back to my other bank where it came from. Or they will send me a check, including my interest and $200 incentive (already credited to my account). We'll see if that happens. They will not trust it is my money but they'll send it back to me in the form of a check? A supervisor is supposed to call me tomorrow at 11 AM to clarify this. No one there seems to really know for sure what will happen, as both scenarios were given. My wife is so upset that I doubt she will sleep tonight. I will certainly never have anything to do with this bank ever again. They have my money and I have no recourse until they decide the time has come to return it. It seems like this should be illegal.

I paid in advance for a non-refundable hotel room through Priceline.com. However, after arriving, there were problems with the reservation and Priceline refused to speak to the hotel and would not talk to me until it was resolved. Priceline also lied and claimed that they spoke to an employee named Lanz-FD when no such person has ever worked for the Embassy Suites hotel on Collamer Road in Syracuse, NY. Therefore, Embassy Suites cancelled reservation #[protected] and did not charge me anything, then they sold that room to someone else immediately. I submitted a computer generated receipt, from the hotel, with the general manager, Christine Penrose's signature, verifying that this reservation was cancelled, with handwritten notes by me that explained the errors to Discover because their agent said that I can't be charged for a service that I did not receive and my receipt would be proof. However, after receiving the receipt, Discover said it was a handwritten receipt and that I needed something typed on Embassy Suites letterhead. Then, Discover reversed the charges, forcing me to pay for hotel that I never received. Thus, I asked the hotel for a letter on their letterhead, which they wrote, only to have a Discover Dispute Supervisor tell me on my 4th call that my documentation that I never received this hotel room does not matter. The Discover Dispute Supervisor said that the only way that I would get a refund is if Priceline agreed to refund my money. I told her that Discover was violating Consumer Protection law. However, the Discover Dispute Supervisor said that as long as the merchant said "non-refundable" at the time of purchase, then Discover would make its customers pay.

i mobile deposited a rent relief check on july 18 on july 25 iot cleared and posted i still have my original check every time i tried to transfer funds its was blocked i was told upload id ss card call security deapartment they would review id and unlock my account at this point i was a few days away from eviction i did all they asked i called them and they told me they closed the account on a business decison and to call back in two months and request a check not at this point i was given an extra two weeks to fix this by my landlord ony to find out it will be two more months and he wont wait that long the check was verified for payment my id matches name address ect on check so i dont understand me and my 3 kids dont have 60 days to wait we will be a car by then they acted like my address was wrong but during all this i got mail from discover with account information ect so i dont understand closing the account

Discover Bank suddenly and without notification closed my checking, savings, and money market accounts freezing over $300,000 from a recent home sale. The only information provided after over 1 hour on the phone with Customer Service is that it was "a business decision" and that I may have access to the funds in those accounts "within 60 to 90 days" without recourse or other resolution. This effectively prevents me from completing another purchase with the proceeds from my home sale and denies me access to nearly all my financial reserves for living expenses (including the direct deposit paycheck the conveniently accepted on the day the accounts were closed). I have (had) been an excellent customer with no prior complaints, transaction issues, or account problems. I now have no access to any of my banking records, account information, transactions, or documents.

I opened a new savings account on 7/18/2022 and deposited $24,000. I made another deposit of $1,000 on 7/20/2022. The funds were removed IMMEDIATELY from the account of my transferring bank. However, nearly two weeks later I still have no access to my money because Discover claims they have to "verify" the funds. Both withdrawals have already posted to my account and Discover refuses to release my funds or close the account and give me back my money. Chase has already removed the money from my account and yet Discover claims it still needs to be verified. I have also incurred several late charges because I made payments to my credit card using this new account and the payments were returned. This has caused irreparable damage to my relationships with my other banks.

Recently, I learned that apparently a Discover credit card and bank account were opened in my name. I did manage to talk to someone about the credit card account. He claimed that since there was no record of my SSN in their system, everything was fine. This sounds a bit dubious since my name is still on some account that isn't mine but okay. Next, he transferred me to banking fraud since I seem to be a proud owner of a debit card to a banking account in my name that I didn't open. I spent the next four hours on hold and then was disconnected. I then tried customer chat. She said that I had to talk to a person since fraud is involved. I waited until late at night and tried again. This time, I just got a message claiming high call volumes and was immediately disconnected. I'm just trying to report fraud which should be important to you too and have been stalled at every turn. I'm about to call the Better Business Bureau and see if they have any suggestions about how to solve this problem. I hope you or someone can help me. Thank you

I opened a savings account with Discover Bank and transferred funds to it. On or about June 28, 2022 I received a letter from the bank notifying me that the access to my account is blocked due to security reasons and I was advised to contact them on [protected]. Unfortunately I am getting automated messages that the associates are busy and the hold time is more than 2 hours.

I held the telephone for more than 2.5 house to 3 hours few times and they disconnected the line after 3 hours.

I want Bank to contact me and resolve the issue or return my funds to my Wells Fargo account linked to my Discover Bank account ending in 4317

The Bank's address is P.O. Box 30924, Salt Lake City, UT 84130

Problem: National Debt Release sent a representation letter to my Discover Card agency on September 3, 2021, stating they are now representing my account. I was not a client of National Debt and I never put the Discover Card on the list when I solicited their help. I revoked and closed my account immediately after working with National Debt due to contract issues with charging more money than the agreement, false advertisement, and no refunding money that was not paid to agencies. The representation letter sent to the Discover Card agency is negatively affecting my credit. Discover Card agency will not talk to me and will not make a payment from me. I have called National Debt several times to get a revoking letter and email to be sent to me and the Discover Agency. I call April 3, 2022: I was hung up 3 times before one agent took my call. I was told the letter would be sent to me and Discover Agency in 24 to 48 hours which, did not happen. I have since been trying to get Discover to help and get my account back online to make payments. I keep calling both agencies and cannot get it resolved. I called both agencies today Discover agents won't help with a revocation from National Debt. After getting hung up on by 4 agents at National Debt, I finally got Conner to get his supervisor to talk to me. The Supervisor's name was Michael, that said the same thing of a revocable letter will be sent in 24 to 48 hours, there is no direct line to reach anyone that would help me get this sooner. I have been waiting for 2 months for help from National Debt and my Discover bill is not being paid since January 23rd, 2022. The Discover agency shut down my account in 2022. I don't understand if they received a closure letter from National Debt Relief on September 3, 2021. Both agencies are contributing to negative credit reporting, high-interest rates, my account over the limit, and mental anguish. Please help!

I opened a secured credit card with Discover. They took my security deposit from my account immediately. Ten days later they contacted me via email and let me know they needed to 'verify' my account with two years of income taxes, or 3 months of my personal bank statements.

This was not told me at the time of applying (when they took my money), and I feel it's too much personal information mining for a credit card with no actual credit! (the entire limit of my card is my security deposit).

I asked them to cancel my account (which I had not even received my card for, to destroy my personal information, take me off their mailing lists, and return my security deposit to the account they removed it from right away (they had already had possession of my funds for 10 days).

My deposit was not returned as I asked. I called again. After an hour on hold and being shuffled to and fro to three different agents, they told me they would 'expedite' my funds back to me by taking another 15 days to put the money back into my account (if they even do - at this point they are entirely suspect).

I did not consent for money to be taken from my account for no service given. I also did not consent for them to be in possession of my money for almost a month. This is criminal, a scam company and totally unacceptable business.

I live in Kentucky and each year we are required to enroll into a health insurance policy through our state exchange. At this time of year around October and November it is like fire drill trying to deal with all the insurance agents calling you trying to sell you insurance. After talking to my agent I went to my state exchange to view different policies. A pop was used telling me to call a certain number. Once called they convinced me they were my agent and said I needed to give a credit card to get the coverage started for the new coming year which I did. It turned out this company association health care management and scam me selling garbage insurance. I complain to discover card about this debacle and so far I have 12 hours invested in dealing with the situation with Discover. The scam company continues to withdraw close to $300 from my credit card account every month. I have been with Discover since 1986 and this company customer service has literally gone to hell. Eventually I had to cancel my credit card account which Discover card made every effort to prevent me from doing. Folks something has happened with Discover and anyone like me who has been with the company since 1986 would know for sure! I urge everyone to avoid Discover card at all cost until they start protecting your clients better than they do. Discover card personnel are extremely ignorant and don't know what the right hand is doing. In closing I have one word Run! Discover Card is facilitating scammers online and not protecting their card holder.

I am the object of idenity theft and have many cards to prove my story. I called to report a replacement card not being received after receiving you message on addid an additional user. Don’t know the guy and you identified as such. The next week I received YET ANOTHER replacement card and it was promptly cancelled. After 8 phone calls, one disconnect with a supervisor and another lengthy conversation with another supervisor, she told me might debts transferred to the new card but not the PAYMENT WHICH HAD BEEN MADE 6 DAYS PRIOR. I refuse to call your inept staff ever again nd should a new card be received, it will be shredded and personally be send to The Office of the President along with my reports of your ineptitude. Judge Robert Eck

discover is not honoring their purchase protection on items purchase that are defective and seller is a flea market vendor on ebay peddling defective china fake leather wallets purchase on eBay and it’s defective manufacturer and they refused to assist in getting issues resolved and the rude rep Monica hung up when I ask to speak to supervisor and refused to deal with my complaint

February 14th I was told my deposit would be returned around 5 to7 business days.I waited almost a month, I called them and they said they would reissue the check. I never got it , it's been almost two months. I asked them to take the $200 off the $1,000 limit until I received the $200 and they would not. They also stated a check is the only option.

Received a phone call on Oct. 15, 2021 concerning my account Shane and Sherri Vines, 2416 W County Rd. 130, Midland, TX 79706, ending in 5966, that I had not made a payment in 3 months. I was not aware of this for I had not received any statements, of which, Discover representative stated they had been returned to them. We never received a letter, text, or phone call from Discover about this matter up until this particular day. The representative would not work with us on the balance for which was mostly consisting of late fees, interest, etc. This ended up with us cancelling our credit card that we had with Discover for over 32 years. We had no problems receiving correspondence from them 4 days later showing that payment had been made and card had been cancelled. I'm very disappointed with Discover. This could have been worked out but sadly Discover does not care about their customers or how long you have been one. Discover never had an issue with us for 32 years up until this point. This should have raised some red flags. Now this shows up on my credit report as 3 late payments and has hurt my credit rating tremendously. Needless to say, my husband and I are very upset with this. We hope Discover will step up and fix this problem.

7/30/21
I have a Discover Card since it was launched ... called a "founding member" in the 1990s (in my area) and got several other people/friends to sign up for the card! I was told that I would "always receive extra special valued treatment" forever by Discover Card. Yeah, right.

I worked for 30 years, etc., didn't have time or money to travel. Then, recently, I had two horrible years of health issues (cancer).

I have always paid off all of my bills, never late! In last two years, because of health challenges and COVID I haven't used my Discover Card that much. Always for basic needs.

Today, I asked Discover Card for a credit increase. WAS DENIED! Said it was because of "low" usage. I asked for a supervisor to give me more specifics and was told that I couldn't be given "any more specifics." That she and her staff just get whatever a computer spits out about a Discover Card user! Apparently, Discover Card doesn't believe in it's "founding beliefs" or care about the people who actually helped establish it!

Issue #2: Because of my very poor health, I pre-paid many of my bills to help reduce my stress and make sure none went unpaid. But, what has Discover Card come up with? If anyone carries over a credit on his/her card over a certain period, Discover Card automatically cuts a check and sends any credit due!

I've been very, very, very weak and Discover Card is wanting me to drive to my bank and deposit its stupid checks! It sends me/all customers who pay their bills off monthly and/or carry credits stupid checks in the hope that they will eventually end up with interest debt to Discover Card! They are harassing their own customers!

In the beginning, Discover Card employees were very, very helpful and the company had a mission to care about customers. Neither is true today and hasn't been for several years ... since the change in "Cash Back Bonus" rewards.

Im a chronic pain suffering disabled crippled us veteran. I bought orthotic sandals with my discover card. After 4 months with no sandals I opened a dispute. The doctor making the sandals, dr. Goldstein of san diego california, pleaded for me to remove the dispute to keep his discover dispute history clean. As I ware closing the dispute discover advised me to keep the dispute Open until I had the sandals. Discover Failed to make clear that I couldnt Reopen the dispute[something im sure smarmy dr. Goldstein knew]. Today discover tells me they cant help me and im reminded that discover and all credit cards are state sanctioned loan sharks.
This covid earth is very clear, if you are broken, old, poor or somehow flawed the rest are simply waiting for you to die implementing economic euthanasia.

I have contacted Discover card several times in regards to a charge that was made by a Hotel that admitted to me that the charge was a mistake. My husband sent the email that we received from the hotel where they admitted that the charge was a mistake and we should get our money back. Discover says that the matter was resolved weeks ago but as you might have guessed, the money has not been credited to our account. I contacted to find out what the problem was only to be informed that they have a technical issue on their end. Well my problem is that they definitely don't have any issues with other charges, other refunds and most important getting their money from me. My conversation with them simply put was, don't call us, we'll call you. What a joke! I think it may be time to do away with their credit cards and find better service elsewhere.