Discover Bank / Discover Financial Services
reviews and complaints

This company is cutting off credit cards because you won't go in debt during a pandemic. What type of devil company does that? They should be commending people for being responsible but they are punishing you by turning your card off! Who does that? It's evil!

DiscoverCard has filed with a collection company Weltman, Weinberg & Reis, against me, Chris P Longobucco. I am filing a complaint with the state of Deleware, the FTC, and BBB, as this is a fraudulent claim as I closed my account after paid in full in 2014. My identity was stolen in early 2015 as I know now and somehow they re-opened my thought closed DiscoverCard.
I have filed a lawsuit in Deleware against DiscoverCard for you to drop the collection through the aforementioned collection firm, who by the way, phishes for consumer information and files fraudulent claims against consumers.

You should respond to me asap by calling [protected] or mail: 2744 Maitland Drive, Ann Arbor, MI 48105!

Applied for discover as my first credit card and got approved immediately. Started using it the day I recieved. Within a week they put a hold on my account saying that they need to verify my account. Alright, i did send them the copy of my license, social and a form SSA-89 which needed to be filled and sign. After everything, i just recieved an email today saying that my account has been closed since since they couldn't verify my identity. Are you kidding me? This just destroyed my credit score. Very unreliable.. non professional people. I wish I had listen to everyone that told me not to get this credit card. Never ever going to go back to discover ever.

This credit card company FAILED on there part to RED FLAG my account on a dispute of 10.40 due to what they say was a cash withdraw on a CREDIT BALANCE of 123.03 from a returned item my sister sent back to the Bradford Exchange. I had a ZERO balance with Discover before this credit was applied to my account. I called our local Discover card bank and spoke to customer service on what was the fastest way to get this money so that i could send it back to my sister. I was told to go to the nearest bank ATM to withdraw the money and that bank would charge 3.00 for my doing so. I did withdraw 120.00 from the ATM. The bank did charge a fee of 3.00 to do so. BUT, at no time during the phone conversation did that person tell me that Discover would charge me a Cash Withdraw fee of 10.40 at a 27.47 intrest rate. I disputed this when i received a statement from them and they failed to RED FLAG the account while it was in dispute. Because of this so-called policy of there's, my credit fico score droped from a 728 down to a 638 in three months thanks to their error. As of this date, the error was corrected and i now had a creit balance on my account of 8.60 - BUT - my credit fico score hasn't been corected by them at all. Now, it is a blame game between Discover and equifax to correct this issue and because of this, my credit is hurting something bad thanks to them. Horrible company and Rotten people to deal with. Never late on payments and always paid more that what was requested. Went from a 4000 line of credit to a 7800 line of credit in 15 months time with them. So, really think about this - a 10.40 dispute and a failed to RED FLAG an account can RUIN your credit all thanks to ther stupid policies.

Hi i had just opened up an account with discover bank online banking and i work for a company that pays good money and my company had deposit money in to my accoubt 1500 and discover closed my account for what reason? When i called they told me they could not tell me why my account got closed ! I am pissed u guys can not be doing that to people . close someone account and then keep the money that was deposited from another that is my hard working money i want it back im going to call the higher up someone thats higher then just a complaint site and im going to tell them what u guys are doing

Not only has discover closed my accounts without any reason whatsoever, they also took my initial down payment and refuse to give it back, as well as not a single reason of why they closed my accounts in the first place! Supervisor by the name of Tanner said that he did not have to give any reason, and if I wAnted I could speak to the funding manager, and know that it was a Higher Buisness decision that was made for my accounts closing for no legitimate purpose or violation whatsoever! I advised them not only will I be suing, but they will be being audited for any and all suspicious accounts that have been treated and flagged like mine! I also will be advising the IRS of their deceitful mispractices, as those type of discriminatory issues of credit being given then closed, usually is for the upper management to levy and or pau deferred taxes on certain accounts that. Are still being established or are in binance for the bank itself! Especially qualifying Money Market Wealth Management Accounts!
Vickie Thomas
Dissatisfied Client, above arbitration resolvement!
[protected]

Discover claims they notified me that they were closing my card because I didn't use it enough. They didn't. They also didn't send me any kind of electronic communication stating that they would be closing my account.

By doing so, they caused a SEVERE drop in my credit score. I have had this card for YEARS and I have never had this issue. It is a backup emergency card that I use WHEN NEEDED.

Apparently, Discover isn't interested in my business since I'm not in credit card debt and I know how to pay my balances in full.

They're not making any money off me so they don't want me to have an account with them. PRETTY CONVENIENT! Oh wait, no... not convenient at all. What good is a card if it can't be used in an emergency?

STICK WITH YOUR LOCAL CREDIT UNION AND DON'T BOTHER DOING BUSINESS WITH THIS FRAUDULENT COMPANY.

I just got notice from credit karma that my discover IT card with a $12000 line of credit was cancelled and account closed just because I didn't use it within a year. I called Discover and ask if they could restore the account and I was denied. I can't believe that a financial institution such as this wouldn't want to get another account opened so that they can collect high interest if I used the card. Their loss, I have plenty of cards that have lower interest and don't cancel or close account for not using them.
It's just irritating because my credit score went down because of my debt available and % used effect on my credit report made it lower and I had other accounts lower my available credit line because of the % of available credit used went up and that also lowered my score. I just don't understand!

My name is Phyllis Cornish account ending in 4404. On January 2, 2019, I called client services and spoke Gary Johnson in reference to a return that was sent back from Quicken loans. He spoke to someone name Angel and she said that she did see the refund and they would post it on my account. I ask could that be posted for January payment and I was told that they could do that. So I thought everything was fine unto I received a statement saying I was past due. I called and spoke to Charles who say that was impossible because that was a transaction not a payment, which I said why could we not post that as a payment for February since the money was returned to my account. So we went back and forth and I ask to speak to his supervisor. He wanted to know why I wanted to speak to his supervisor and I told him because I disagree with what he said. So he got his supervisor which her first name was Alana, I think the last name was Wallace. So she was a little confused, she called it a transaction, then she said a payment. Because I was told this information, I ask why she could not apply it as a payment. This was not my fault. She started getting irritated and told me she has my banking information to make a payment. I never told her to get my banking information and then she said she wanted to take two payments out because I was due for December. I inform her that January's payment is past due and the other 91.00 is due February 1. She told me I can take a payment out of your account today and take another one out on February 1. I let her know that she was really making me angry, that she was unprofessional and when a customer already is upset because of bad info from your company, you don't mistreat them. Then she get smart, so when are you going to make the payment. I was going to make it but her attitude, I told her do not touch my account. Now I am going to have to watch my account to make sure she does not do anything. This is pure harassment. I hope she doesn't take it upon herself to take money out of my account. This is the worst treatment I had in a long time. Please call me at [protected]. I will keep my eyes on my checking account, this is so sad.
Phyllis Cornish email [protected]@verizon.net

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

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!

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.

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

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.

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

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

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.

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.