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Discover Bank / Discover Financial Services
Discover Bank / Discover Financial Services Customer Service Phone, Email, Contacts

Discover Bank / Discover Financial Services
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4.3 594 Reviews

Discover Bank / Discover Financial Services Complaints Summary

32 Resolved
94 Unresolved
Our verdict: When using services from Discover Bank / Discover Financial Services with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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Discover Bank / Discover Financial Services reviews & complaints 136

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2:40 pm EST

Discover Bank / Discover Financial Services unauthorized charges

I have been billed for merchandise and will pay for this one time but I have no way of calling the people and telling I don't want anymore. There is no phone number. Can you help me with this. It is Active-pro-formula. I tried their e-mail or what I thought was their e- mail to no avail. I don't want this anymore and will not pay for it again. So if you all can help me, I would be most thankful.

Jackie Oliver
card# 1413

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9:36 am EDT

Discover Bank / Discover Financial Services customer service

Discover Card … employees and management were beyond corrupt IMHO and based on what I went through. I purchased ProtonVPN service through Paypal using Discover Card as the source of funding and that was when the nightmare started. I did not receive the service and since Proton was unresponsive I put in a dispute. Proton closed my account and refused to refund. I put in a claim, Proton said I had to close the claim to get the refund and then a crooked employee at Paypal told me the same thing which is strictly against Paypal policies when addressing a customer claim. I put in a chargeback through Discover. A month later Discover reversed the chargeback without emailing or mailing me. I called their Salt Lake City and a female employee in customer service confirmed they had gotten an inadequate response from Paypal - she said just having my name and credit card information does not make it a valid charge. She reinstated my chargeback against Proton/Paypal. A month later once again Discover reverted the chargeback to me. I called in and two male employees in customer service told me tough luck despite the fact that even Paypal had found in my favor. They told me to resolve this with Paypal. I called and talked to Paypal's US manager. He confirmed that they found in my favor and had sent the funds back to Discover card. I called Discover back and spoke with another female employee in customer service. She investigated and then told me she had good news that the Paypal documentation ruled in my favor and that the investigation was closed. Discover strangely enough made this a courtesy adjustment. Odd but at least I got my money back. I also received an email confirming that the investigation was closed and they found in my favor. A month later I checked my account and Discover had once again reversed the chargeback and had written that the charge was valid in disputes. I called in and spoke with a male employee and was told there had been another response from Paypal which I proved to him was a complete lie. He could produce no documentation from Paypal proving his claim. I registered a complaint with the CFPB. The charge again went away and Discover magically produced all the letters I was supposed to have received - also a lie. Disputes still showed charge valid. I complained to their corporate offices and their investigation was a complete farce. Discover never took any action against the male employees that lied and refused to put me through to a supervisor and corporate admitted they did not know why. They tried to brow beat me as to the charge being valid and lied about how Paypal processes chargebacks. I finally cancelled the card. So are employees at Discover siphoning off money and keeping it off the books if they get Paypal funds and then claim they did not get them? IMHO they are one of the most dishonest lending institutes in the US besides Paypal. The total time frame from charge to dispute to claim to chargeback to final refund to canceling the card … March 2018 to October 2018 …. Seven months! Avoid this scam credit card company at all costs!

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Ruoy
, US
Aug 11, 2019 7:50 am EDT

I'm currently facing a similar problem with both companies, Discover and PayPal. Part of a email below tells the story:

Please find, in the uploaded attached, text messages from Eric Smith instructing me, over and over, to send the amount of $1500 to PayPal via “Friends and Family”, as requested by the merchant, Titus Princess. PayPal’s main contention, as accepted by Discover, for denying refund, is that I sent the money via Friends and Family.

I first sent the money as a business transaction. As highlighted in the attachment, the money was refunded to me, immediately(on the day) and and asked to resend it as “Family and Friends” as insisted by the merchant. Given this new info, please reject PayPal’s reason for denial of refund.

The whole vignette appears to be a scam perpetrated by Eric Smith and the merchant Titus Princess. I implore you to refund $1543.80 to me.

Please note the differences in 2 case histories of the same time period. Any explanation for that?

Can I get ALL the contact info of the merchant, Titus Princess, that is: Phone number(s), Email address and Physical Land Address? I've only been provided with the email address.

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5:14 pm EDT
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Discover Bank / Discover Financial Services cancellation of card

I am a Canadian Snow Bird who has had a Discover Card for 20 years. Recently I was contacted regarding a check of my Social Insurance number. I do not have a US Social Insurance number, and although I submitted my Canadian SSN Discover decided to cancel my card because they can not verify it. During my initial contact, I was asked to mail proof of my Canadian Social Insurance number along with my Canadian Drivers License - which I did. Today I was told that my card was cancelled.

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d2688545
, US
Sep 07, 2018 9:48 pm EDT

Due to the patriot act post 9/11 banks are required to verify who they are doing business with which includes getting your social security number, name, address etc. 9/11 was funded by US banks because we did not obtain this kind of information 20 years ago.

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Docdg
, CA
Sep 08, 2018 9:59 am EDT
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Replying to comment of d2688545

Does this mean that a Canadian Snow Bird without US Social Security # can not have an American Credit Card?

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3:22 pm EDT
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Discover Bank / Discover Financial Services late fee

8/14/2018 i have been a customer for about 8 months never late had to switch bank accounts and now i have issues, decided to sign up for something they offered in my email and kept giving my an option i kept trying sign up but the system wouldnt allow me to choose my initial payment - so when i finally did it it was the day they report and they reported me 30 days late - knocked my credit score down 169 points . I am appalled that i asked to speak with someone in credit to fix this and they stated no - i explained what happen and that i had been trying for a week to do this and was not able to - not to mention tht i asked several times on several calls different ways to send a payment and after 3 months of phone calls on 8/15 - the billing dept - no tht i have a complaint says western union - but tht was said in my welcoming packet tht i looked at 8 months ago - im just very disappointed in discover . I asked for assistance in this matter and they stated one time - nothing they can do - but it was there error they could - it is there error

resultion - remove the 1 time late over 30 days - i have disputed this on all credit bureaus as well as cfb

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d2688545
, US
Sep 07, 2018 9:51 pm EDT

There are other was rather than online to pay a bill, you are to be blamed for your late payment

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12:18 pm EDT

Discover Bank / Discover Financial Services personal loan

Unbelievable this company has been misleading consumers for years, Loan at 16.99 percent a month went to daily amount . I made a mistake will definitely take responsibility for not double checking . Consumer beware of this institution! Thief definitely unprofessional when talking to Megan she continued to insinuate the days between the payments incorrectly, once she realized her mistakes started laughing.
I'm being charged over 500 in interested . I'm not laughing. I made an early payment prior on 8 0f may then the next money payment June on the 22 nd mind you due dates are the 27 of every month . This is ludicrous! No supervisor to speak to, Just a very rude young women who basically stated my loan is the same as a car payment, house payment, Let me state if a payment is made early to either one of these loans never have I been charged a daily amount Discover is not the company you want to do business with.

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3:53 pm EDT

Discover Bank / Discover Financial Services purchased an engine claim number 056741566b last four of the card 7094

I purchased an engine from: Meir Performance Engines, 301 Railroad St. Bondurant IA
the amount was $3, 150. Meir shipped the engine to a North Carolina address. I gave him my Discover card with my NY address.
Fact: I do not know any one in NC and I gave him my only address in NY.
Fact: I contacted Discover they refunded my money then they recharged my card.
Fact: Meir showed a bill of laiden to Discover card that showed the address the NC address.
Fact: Any one can make up a Bill of Laiden and write any address on it. Discover card obviously are not business people because they wanted proof I did not give him that address. How can i do that when I gave him my card number over the phone with my billing and shipping address. (same)
Fact: Where is the proof that I gave him that address. He shipped it to the wrong address.
Fact: The company he shipped the engine to Jestes Auto signed for it and shipped it back.
Fact: I have receipts that they shipped it back and Mier's received it.
Fact: Discover still will not refund my money they said the dispute resolution can be overturned.
Fact: Discover does not protect their card holders.

Stand Degroff

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10:58 pm EDT
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Discover Bank / Discover Financial Services credit card benefits

I used discover card to rent a van on 05/25/2018 for 4 days, declined insurance coverage offered by the rental agency based on the information at discover website that discover by provides rental insurance for my card (see attached). On 05/28/2018 while the vehicle was at my possession a small pebble hit and chipped the van's windshield. I called discover card customer service to find out the details about submitting a claim. I was told that the rental insurance is discontinued as of 02/28/2018 and nothing can be done - I spoke to 3 associates including a manager (Susy from Phoenix) - again the same answer.
All the associates said that a letter was sent in the mail about the change. I don't remember seeing it. If this benefit is no longer offered why is the website saying that I do have secondary rental coverage? I rely on the website for current information and I made the decision to use discover card at the time assuming that I have coverage - Let me know if anything can be done to cover the expenses.

Thanks,
Binu Jose

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4:19 pm EDT
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Discover Bank / Discover Financial Services loans

I am writing this complaint on behalf of my Uncle James Reed of Mesquite, NV. He paid OFF a loan so his services from Discover were no longer needed. He recently learned just last week Discover is claiming he still owes 15000 dollars to Discover Financial Services. on his credit report. He paid them 10, 767 dollars as of December 29, 2016 . This Closed the account with no further action Needed. I advise anyone who is using Discover to be very careful if you are using them for any reason regarding your credit reports.

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4:05 pm EDT

Discover Bank / Discover Financial Services credit card

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.

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11:02 am EST

Discover Bank / Discover Financial Services online saving

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.

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11:40 am EDT

Discover Bank / Discover Financial Services credit decrease

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

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6:03 am EDT

Discover Bank / Discover Financial Services closing out a cd

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.

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3:05 pm EDT

Discover Bank / Discover Financial Services credit card

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

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8:18 pm EDT

Discover Bank / Discover Financial Services savings account transfers

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.

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9:21 pm EDT

Discover Bank / Discover Financial Services aapr

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.

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7:18 pm EDT
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Discover Bank / Discover Financial Services credit agency reporting

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

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1:33 pm EST
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Discover Bank / Discover Financial Services unethical dispute process

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.

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7:57 am EDT

Discover Bank / Discover Financial Services securing a credit card

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

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3:01 pm EDT

Discover Bank / Discover Financial Services credit

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

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Richard78499
, US
Jun 11, 2016 4:08 pm EDT

Discover is a horrible bank to do business with, and I hope the place burns down.

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9:08 am EDT

Discover Bank / Discover Financial Services not receiving proper credit for payment

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.

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Discover Bank / Discover Financial Services Customer Reviews Overview

Discover Bank, a subsidiary of Discover Financial Services, offers a range of financial products including credit cards, online banking, personal loans, student loans, and home equity loans. Their banking services feature savings accounts, checking accounts, and certificates of deposit (CDs) with various interest rates and terms. Discover is known for its cashback rewards on credit card purchases and a focus on customer service with U.S.-based customer support. The company provides financial tools and resources for budgeting, saving, and managing debt for consumers.

Discover Bank / Discover Financial Services In-depth Review

In Summary: Discover Bank, a subsidiary of Discover Financial Services, offers a comprehensive range of financial products including checking and savings accounts, CDs, and loans. Known for competitive interest rates and no-fee accounts, Discover is a strong contender in the online banking space. Their customer service is highly regarded, and their credit card offerings are popular for their cashback rewards. While they lack physical branches, their online and mobile banking platforms are robust and user-friendly.

Overview of Discover Bank: Discover Bank has established itself as a reputable online financial institution, with a history that dates back to the 1980s. They offer a variety of financial services, including personal banking, loans, and investment products.

Account Options: Discover provides several account options to meet different customer needs. Their checking accounts are known for cashback rewards on purchases, while their savings accounts offer competitive interest rates. Money market accounts and CDs are available with various terms and interest rates, and they also offer IRA options for retirement savings.

Interest Rates and Fees: Discover Bank's interest rates are often higher than industry averages, particularly for savings accounts and CDs. They are known for their fee transparency, with no hidden charges, and their accounts typically do not carry monthly fees, which enhances the interest-earning potential for customers.

Online and Mobile Banking Experience: Discover's online banking interface is intuitive and easy to navigate. The mobile app is reliable, offering features such as mobile check deposit and quick account overview. Online security is a priority, with multiple layers of protection in place to safeguard customer information.

Customer Service: Discover is recognized for its accessible and helpful customer service. Support is available 24/7 through various channels, including phone, email, and live chat. Customer satisfaction ratings are generally high, reflecting the quality of service provided.

Credit Card Offerings: Discover offers a range of credit cards, including those with cashback rewards and travel benefits. Their cards are known for competitive rates and fees, and the Discover it® card, in particular, is popular for its rotating cashback categories.

Loan Products: Personal loans, home equity loans, and student loans are part of Discover's loan portfolio. They offer flexible repayment terms and competitive rates, although their product range may not be as extensive as some larger banks.

Investment Services: While Discover doesn't offer brokerage accounts directly, they do provide retirement planning services and a variety of IRA options to help customers prepare for the future.

Additional Financial Services: Discover also offers services such as debt consolidation and financial planning advice, although these services may not be as comprehensive as those offered by dedicated financial planning firms.

Accessibility: As an online bank, Discover does not have physical branches, but they offer a vast network of ATMs nationwide. Their website and mobile app are designed to be accessible to people with disabilities, adhering to ADA guidelines.

Promotions and Bonuses: Discover frequently runs promotions for new account openings and credit card sign-up offers, including cash bonuses for meeting certain criteria.

Security and Fraud Protection: Discover Bank provides robust security measures, including account monitoring and alerts. They have clear policies to protect customers against unauthorized transactions, offering peace of mind when it comes to account safety.

Pros and Cons: Advantages of banking with Discover include no-fee accounts, high-interest rates, and excellent customer service. Drawbacks may include the lack of physical branches and limited loan product options compared to larger banks.

Comparison with Competitors: Discover holds its own against other online banks with its no-fee policy and high-interest rates. Its credit card rewards programs are also competitive. However, traditional banks may offer more in-person services and a wider range of loan products.

Final Verdict: Discover Bank is a solid choice for those looking for high-yield savings options and no-fee banking. It is particularly well-suited for customers who are comfortable with online banking and do not require in-person services.

User Reviews and Testimonials: Customer reviews often praise Discover for its customer service and user-friendly platforms. The bank has a good reputation for trustworthiness and customer satisfaction.

FAQs: Common questions about Discover Bank services typically revolve around account features, fee structures, and how to navigate their online and mobile banking services.

Conclusion: Discover Bank offers a compelling online banking experience with competitive rates, no-fee accounts, and a strong customer service reputation. While it may not suit those seeking in-person banking relationships, it is an excellent choice for digital-savvy customers looking for a reliable and rewarding online bank.

How to file a complaint about Discover Bank / Discover Financial Services?

Here is a comprehensive guide on how to file a complaint or review about Discover Bank / Discover Financial Services on ComplaintsBoard.com:

1. Log in or Create an Account:
- Start by logging into your ComplaintsBoard.com account. If you don't have an account, create one to proceed.

2. Navigating to the Complaint Form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the Title:
- Summarize the main issue with Discover Bank / Discover Financial Services in the 'Complaint Title' section.

4. Detailing the Experience:
- Provide detailed information about your experience with the company.
- Mention key areas such as transactions, steps taken to resolve the issue, personal impact, and the company's response.

5. Attaching Supporting Documents:
- Attach any relevant supporting documents but avoid including sensitive personal data.

6. Filing Optional Fields:
- Use the 'Claimed Loss' field to state any financial losses.
- Use the 'Desired Outcome' field to specify the resolution you are seeking.

7. Review Before Submission:
- Review your complaint for clarity, accuracy, and completeness before submitting.

8. Submission Process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clear and structured to guide you effectively through the process of filing a complaint or review on ComplaintsBoard.com regarding Discover Bank / Discover Financial Services. Remember to follow these steps when filing your complaint.

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Discover Bank / Discover Financial Services contacts

Phone numbers

+1 (801) 902-3100 +1 (800) 347-7000 More phone numbers

Website

www.discover.com

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