Discover Mobile
reviews and complaints

iOS is old enough that any large bank, especially an all digital one, should have a decent app experience. This app is definitely decent, and many others I’ve used or seen used are much much worse. So in a way I’m happy, but I think there is room for improvement. There is space to WOW still. That’s one star down.

The other missing star is because there is a period where a scheduled payment has been removed from the scheduled view but the receiver has yet to process it and thus the payment is not in the history view either. I’ve come close in the past and have just now finally messed up by paying someone twice because I wasn’t sure whether the payment had gone through and needed to make sure it did as soon as possible. I nearly overdrafted.

I can see how, from a banking business perspective, improving the user experience in general and also to track the mentioned payment limbo period might not be their responsibility. However, I think common sense and basic digital UX design are at odds with that. Discover should recognize that in 2019 (with respect to checking/debit/savings) they are merely an interface to manage money with and people can and will switch interfaces if the UX is better. Yeah the debit interest is good but there is rounding error level of competition now, and they might have nicer apps. I’ll be looking.

I have other gripes with how they manage authentication but that isn’t app specific and I imagine is somewhat dictated by regulatory bodies stuck in 1960 so I won’t get into that here.

I have been a Discover card member for many years. I have had a number of credit cards from different companies, and none measure up or can be compared to Discover Card!
I have developed such deep respect, gratitude, and devotion to remain a member of this Credit Card Company. I refuse to purposely do anything that will damage my relationship with Discover.
Discover has been with me through my financial struggles, and is the only credit card company that has not lowered my credit limit when I am going through my financial hardship. I only wish that there was a law in place that holds anyone whom the card holder puts on the card as an authorize user.
In the past I put someone on my card as an authorized user with the agreement that he would ‘NOT USE THE CARD.It turns out that this person went behind my back and use the card without my permission, and put my bills out of my comfort zone of repayment capabilities. Consequently, I had to refinance my house pay off credit card bills that he used without my permission.
Discover Card has one of the best credit monitoring system that I have experienced. When someone stole my credit card numbers at a gas station in Miami six years ago, Discover card was able to pick up on the unusual spending pattern, and the unusual purchases rather quickly, and shut that card very quickly before the thief started to make big purchases. For me, that is unforgettable! That is excellent service.That incident alone has elevated this company to the highest level of loyalty that I can have

I’ve been using this application for a few months now, and I’d like to comment on it from the point of view of someone who isn’t much of a “power user” and simply wants to monitor his statement at all times. That’s all I use the app for: to be kept alert of my purchases in real-time. The notification options seem pretty diverse, allowing me to set the app to alert me when I’m within a certain amount of my credit limit, or when I’ve made a purchase above a certain amount. These are common and basic features, but the app handles them elegantly and well. The usage break-down is plenty detailed, and let’s me see date, time, and even location (I might be confusing this with an Apple Pay feature, but I doubt it) of all expenditure. The most important thing, of course, is monitoring my current balance. This app makes is as easy as it can be. It has this “quick view” feature that you can enable to check your balance from a Notification Center widget. It’s also visible by 3d-touching the app icon from the home screen. In addition to this, there’s a companion app for the Apple Watch which also shows balance, though it’s a bit counter-intuitive in that it displayed the credit LEFT in bold numbers, while keeping the credit USED (what most people care about) in a tiny size underneath. I’ll also say that their iMessage app does nothing besides redirect you to the main app, but to be fair, I can’t imagine any reason I’d want an iMessage app for this (unless it allows you to send money to other people, of course). Regardless, it’s an all-around solid and functional application.

I’ve been using Discover for a few years and so far everything has been good. I’m not sure if they have recently been emboldened by their arbitration policy to serve the companies they charge rather than you or I, the customers, but I unfortunately had a bad experience with them recently.

Three years ago I purchased through a vendor online, subscribing for three years with a one time fee. I forgot about the purchase. In the meantime, I replaced my Discover card.

Recently, I got a message from Discover saying that they approved a purchase from the vendor I bought from three years ago. Even though I canceled that credit card. I immediately called Discover to let them know I didn’t authorize the charge, I never chose to renew my subscription with that vendor. They told me to wait until the charge goes through and then open a dispute. Which I did. They then denied the dispute. I authorized charges to my previous credit card, not this new credit card.

Now I feel like I have to watch my back. Is some other company I bought from a long time ago going to charge me years later (even though I canceled my card?) Is the only way to have peace of mind to just close my Discover account completely?

They did tell me to go to recurring charges and make sure I don’t have subscriptions set up. However I found this function to be poorly organized and to contain charges that aren’t really “recurring” (like clothes I bought from H&M or a mattress I bought - I don’t have a mattress subscription).

I wish they did better. Super disappointed and I no longer feel secure using their card.

I made a purchase with the Discover card at Amazon, a ride on children’s car fir our grandson. The expensive item needed assembly. I also purchased assembly from Amazon. The person to assemble the car came to my home and told me that she had assembled cars like this before. She began to assemble the car and then asked if I had some screws. I gave her a large jar of screws. Shortly after she told me that she had finished and showed my the car. When she left I noticed that she took my screw jar with her ! Then I took the car to our grandson’s home and gave it to him for his birthday. He began to drive the car and the right rear wheel fell off. It was not attached per the instructions with the manufacturers supplied parts. We reattached the wheel properly and our grandson went on driving. Then the steering wheel came off Bd our grandson crashed head-on into a cement wall. He was not hurt but scared and refused to drive the car again. I contacted Amazon and they told me that the assembly was given to a third party and to deal with them, Traveling Tools. It was impossible to get in touch with them. Then Amazon told me to deal with my credit card company. I tried to stop the charge with Discover — they had a policy and stopped the charge. Because the charge was made with Amazon, my stop was denied. I spoke with a Discover supervisor I was told that Discover decided because the car was assembled even though not correctly and even though my grandson was out at serious danger, I still had to pay but I could sue. I decided not to sue. Thus, Discover does nothing stand behind their cardholders.

There’s
No way
I would recommend Discover to anyone that’s serious about managing their money. When you have an issue and try to do what Discover says they love you to do and That is Manage your accountsvovet , forget about it.. Discover will throw you out in the street and badger the hell out of you for money. This happened to me , I was doing ok , managing to pay on time by budgeting my payments over a two to three week period so when the due date came I paid the last small amount to meet the required payment on the last day , on time! Not late. For some unannounced reason Discover targeted me and decided to keep me from seeing my account on line. Well this was terrible, I kept trying the app and logging in over and over only to find out they were blocking me from getting to my account which , yes you guessed it, kept me from Paying on line! Why the world would they do this? I tried Chat, worth less crap , they can never help with my issue, then they always block over the lady message they send , with a “ tell us if we helped you yes or no! Well... how am I supposed to answer this question after you blocked me from seeing your summary or epic idea or whatever , I do not understand why you intentionally frustrate people with this ridiculous robot type chat. I don’t get it, I do however expect
To get back on the account or I will not pay another dime on this account. I’ve wasted a lot of time doing these messages , you had best take this one seriously , it’s my last Wasteful moment with Discover. When you gave my account fixed so I can view it, you may email me to let me know.
Martin L Llewellyn

I am 44 years old. I’ve had different credit cards are up my life. There’s a lot of positives and negatives that can come with that. I want up getting a Discover card brochure in the mail. My mom told me I should switch to Discover. That’s what she did and they’re excellent compared to what I was using at the time then I found out my brother and also my father switched over to Discover and nobody talks to each other in my family unfortunately divorce situation, but considering how crappy our family can be towards each other the one thing we have in common, that we are all absolutely thrilledAbout is Discover this credit card company has brought all of us together… The one thing that we have in common is Discover it might sound silly, but that is a positive conversation. When you’re speaking to anybody in my family, Discover brings you together you become a family with Discover they look out for youDiscover keeps you safe from fraud before you even know that it’s happening to you.They have the greatest customer service, representatives, and any department that you speak to. They are such a blessing.Times are rough everybody’s broke everybody’s stressed out Discover has 0% interest rate at the beginning and I cannot tell you the incredible hope that did for me as a single mom inMy house somebody broke my TV I couldn’t afford one, but I also have a teenage daughter I have to have a TV… That’s when Discover showed up in the mailbox I was able to get it 0% interest and I was able to pay it off. What a blessing. Discover is not just a credit card. It’s a family it’s a way of life.And it’s wonderful when everybody looks out for each other

Not excited about service since I made double payment by mistake since just returned from vacation & didn’t see a scheduled payment post pending, so paid balance again! Was told that they would send my extra check back in mail & couldn’t be returned to bank!
Check for $2,900 + & it
Was never received & finally after
June payment was made, was
Told I Would receive $1400+ back for over
Payment! I finally received the check
In my bank in June & thought everything was finished , until I kept getting calls & texts stating that my account was over due & owed $35 late fee & $93 interest charge
Never realized that the second payment was never sent & kept in account for
June payment! Needed that money in bank account to pay bills ~ not for discover to keep for a month! I had never missed a payment before
Since 1995! Finally got a rep that explained what happened & the mistake’. & took off charges & told me just to make
Regular payment in July as usual! In the last 2weeks since we have been on vacation I have received numerous phone calls & texts telling that my account was overdue & needed to be paid immediately ! Not a fun time when with family & had to keep getting calls & texts 6-6 times a day & thought everything was settled & told to pay immediately by different reps! Should
Of checked notes on account ‘. Have sent numerous hours with this problem & should have been sent back double payment in first place when it happened in May’. Just paid July’s payment when I returned last night because I had to switch
Money from savings from another bank to make payment! Not s happy camper since I have been a paying customer for over 20 years !☺️
Jeanie

Back in December brought a Roll of Morgan Silver Dollars that had Carson City Morgan’s on both ends so I am thinking a full roll of them so I was ready to bid big. I won my bid $1,424.99. Well the day it was delivered a Sunday got a text message from USPS saying it was going to be out for delivery. I was surprised to them delivering on a Sunday but, thought hey it’s Christmas time so around 1 O’clock or so text says package delivered Sind for by individual. So I am thinking they must have just dropped it on my front porch but, when I looked out there was no mail truck so I call straight away to my post office told them what had happened no package was delivered to me but, they need to ask the carrier who signed for it I thought they delivered it too the wrong house. There is a house in our neighborhood that has the same numbers just different street. So like I said, called my post office they say there going to look into it. So I get a call from the Post Master General the guy says for me to type up a brief letter about what happened so I did. He came to my house he made me raise my right hand swore me in took my statement. He then said, we know that you did not sign for the item the carrier has admitted lying too you about knocking on your door we are taking full responsibility for your $1,424.99 well it was just another scam so learn you just can not trust the USPS Postal System whole lot of whole bunch of thieves Discover did not refund my money and PayPal would not pay it was fully insured but, because someone signed for like so that was good enough for them man what pile of Crap bet this does not get posted because the truth never does just a candy coating! Sweet Lies

I love this app and company. The app is so user friendly and looks way better than my Navy Federal & Capital One apps. I cannot stand the way Capital One app looks Discover has been my first credit card ever as of February ‘22 and I just recently graduated from a secured card. They gave me a credit line increase from $600 to $2100 My credit has shot up 100 points in 6 months and I’m so grateful that Discover gave me a chance when many other credit cards did not. They’ve definitely gained a lifetime member. Every customer service agent is patient and does their best to help on the call as if it’s just you and them against whatever issue you may have. I have made Discover my main bank and savings account as well. I can see my credit card, checking and savings account all under one log in which is great because I forget passwords way too much and I am too familiar with the forgot password method . Not to mention all of their benefits‼️My favorite is the identity theft protection benefit and that I can add my son (7) to it free of charge. It’s so many fraudsters out there I love that I’m able to not only keep tabs on my information but his as well. This company has everything. This app is everything. What more could you ask for at your fingertips Great job guys over at Discover. You are clearly keeping up with the times and making things intuitive and easy! I am using a 12 Pro Max with the current iOS 16.0.2 (or w.e it is) and the app version 2211 I don’t get all the hate for it I’ve never had the issue some people have been having with it crashing. This app has literally been a dream. I’m pretty sure I open it atleast 10-20 times a day for no reason at all either lol. Just to look

This is a review for the updated iOS 11 version of Discover App. There are a lot of amazing features that work very well but not on older devices like iPhone5/5S/SE. No issues with larger and newer devices version iPhone 6/7/8/S/S+

Issue is saving payment transactions confirmation to photo library. There is a small Save button on the bottom right to press. No matter what you do it will crash or not save this information.

There is not a simple way to go back and find the payment or scheduled payment confirmation.

The password using the fingerprint ID is slow when the device launch. There needs to be improvement on viewing statements that show up as a pdf rendering which errors before the buffer catches up to view. Using the old tap or double tap to zoom in feature doesn’t work correctly. If you try to zoom in with the double tap it will zoom in too close and it is unable to move down or up to find it what’s going on.

Wish there was a way to submit issues on this app. There is not a simple selection that takes you directly to the main home screen with it showing current statement, payment made/pending/due/late. The selections on the left are a bit annoying. When you go to select accounts but it doesn’t show your balance due, statements, due date. This could be such a simple interface but a ton of things were added like it was design by a person first time learning to code.

Please update app to work on old devices with smaller screens. Also, have the ability to use GPS to pay for bills or ATM for cash advance as a feature. Please remember the older devices are not 64bit Processor while the new ones are.

Please fix it from crashing all the time. Have a built in button to send crash report to developers and Apple as a warning if older software was fine to restore that back from App Store

I have been with Discover for years, I have always had nothing but great service until this wk. I had a bank transfer to my personal checking account made for 1000.00 from my Discover card. While looking at my statement on line with Discover it looked like someone was trying to take out 1000.00 from my card, I had no idea that was a bank transfer into my checking account!
Your lousy fraud department told me to cut my card up., issued me a new card then 11/25 too 1000.00 out of my checking account to which they thought that was the fraud money!?!?!? Are you kidding me?

If my checking was hacked I would have called my bank not you. Why take 1,000 out of my checking 2 wks after I thought someone was using my Discover card? Who have you permission to take 1000.00 out of my account without talking to me, causing my account to bounce.

No one from the fraud department notified me of what was going on. I spent 3/4 hours on the phone with my bank and Discover trying to find out what happened.
I have never missed a payment.
I asked when all was said and done if the 1,000 could be put back as this was my own checking account. I was told no, it would have to go into my joint account. So if my husband had his own account you would have transferred the money in his account because he is male but not mine. Then you told me I did not have enough payments using this card, I just got it and you seemed to accept my payment on the other Discover card without a problem with my new card and that was a large amount. I was not happy with our conversation today. Normally I rave about your card, after this experience, how do you think I feel now? I am a college educated professional nurse who has a stable job who was highly mistreated over the past 24 hours.

If I was male this would be a different story.
Melissa Wallach RN, BSN, MSN.

The ABSOLUTE BEST CREDIT CARD EVERRRRR! Whenever you call there’s a “DOWN TO EARTH” “RQQT’N-TQQT’N” COWBOY that casually makes me feel WELCOMED in! Likewise, a “Bob Evan’s” or “Shoney’s” restaurant & a “Motel 6” or “Best Western” (always leaving a light on for ya!)
I can’t wait to talk to someone else from this establishment again! While the may actually be in an office 1,000+ miles away…. The reception is great & the call is VERY, VERY, clear! It sounds likelier that the team on the other end is just around the block! It may be that I’m on a GREATEST of ALL companies “AT&T” but I really wanted to show my support in an “Apple Pay” card but I was declined so, I picked this card & got alternatively what I was looking for in a card!
Astonishing & as patient as (my otherwise favorites in ❤️♿️❤️‍ banking teammates “Chase” “Capitol One” “PayPal” & “Robin’s” “T.J.MAXX” / “Marshall’s” with unique skills towards making the extra effort to understand my speech disability too!
I tell ya… I searched & searched for a reliable source on answering my questions to earning rewards on purchases; & I am soooo excited to try this new method of “Discover”ing a status of virtue of 5% on this first purchase especially! I HIGHLY RECOMMEND this method of earning rewards and if I could give my honest opinionated feedback… “Discover” is the “MacBook” / “iPhone” of technology! It completely compares to the Capabilities in an integrated approach on “EASY” being (4) letters, is to “EZ” with only (2) letters. If you like the BEST store like Walmart… (I don’t actually know if there’s any affiliation between “Capital One” ☝️ & “Discover”) but the formation is a significant similarity together this card is on a principle leveraged basis of the WAYYY an organization needs to be! “VERBATIM” assuming my final-answer of approval! MANY THANKS FRIENDS!
//(*J*) SALUTES (*J*)

Discover card has absolutely no customer loyalty whatsoever. I have had an account with Discover since 2014. That is 5 years of loyalty to discover! Never used the card much except to take advantage of their great balance transfer offers from time to time. I was never much for keeping up with categories when i have other cards that can match their rewards all year around. Still was a good car to have if you can keep up with the reward changes. My US bank card does the same but lets you choose ur 5% categories each quarter! My negative review is of Discover as a company is cause by their recent lowering of my available credit for no justifiable reason. Their excuse was, you are using too much of your available credit. Now grant you my score was in the mid to high 700s when I got the card and now is in the mid to high 600s b/c my credit usage is at 38%, but not one blemish! I have NEVER missed or been late with any of my 25 credit cards in over 5 years! Excellent payment history and overall credit limit on my credit report. The only neg is that my usage was up. So Discover, in my opinion without any reason decides to lower my available credit by 2k! Now did I get a call about this, an email, or a letter? No I got an alert when I went to make a charge and it said I was near my credit limit! To my dismay discover lowered my limit by 2k. Didn't they realize that was going to negatively affect my credit score? And for what? Just b/c my credit usage went up? I don't have anything negative on my report nor have I miss-used my available credit with Discover! I call Discover and was pretty much told Pity! We can't help u we just review accounts from time to time and my lower your limit and negativity affect your credit score! Jeeze! Thx Discover for showing customer appreciation to a loyal long term customer! My advice, stay far away from this company or any of their products! No Customer loyalty what so ever!

Last edit: after almost a year, the app has not been working since May 2022, I try restoring my iPhone from factory. Deleted the app before doing so and just now load the app fresh in my “new phone”. The app crashed as soon as I first tried it. Customer service doesn’t do anything. I texted and called several times and it was a waste of time. I’m not the only one with this issue but I know I’m not going to be heard so there was my experience with this app.
Edit III: after talking to customer service for almost an hour, and several promises made that the app will be fixed, I’m entering my fifth month with an app that crashes right before launching. Worst experience ever with a customer service group. They do not care about their customer. Edit II: two months and I still have a crashing app. No update whatsoever when there are many users reporting an useless app due to crashing on startup. Is Discover ever going to do anything about this or they just don’t care about their users? Edit: almost a month and Discover never put an update on a, now, useless app. I have had no problems with this app for long time until the last update. With it, the app won’t run on an iPhone 12PRO running the last IOS version. The app crashing took me to discover that either I have problems finding the right help, or Discover just doesn’t have a support team that works as expected. Wanted to ask in a chat and I was asked all sort of questions regarding my account instead of concentrating on the app. Gave up on that help immediately. I hope a new update comes soon and takes care of this problem. In the meantime, I have to do anything needed in a browser. WORST APP EVER! I cannot believe that it’s going to be a year very soon this app stopped working. Calls to support aren’t a solution. Updates are a joke because they are done monthly but never addressed this issue. I have tried everything but it is obvious a fix needs to be put in place from Discover so I understand I am out of luck.

I was in a gas station and tried to use my card at the pump and it was declined. In shock I went to the register thinking it was “pump error”. After two tries that were declined I used a different card. I went home and found that for two months Discover was trying to collect payment through a bank account that was legally closed and updated to a new bank account. I went into the app, after updating the new bank information a month ago and made a payment with the same information on file and applying the cash back rewards I earned. While checking on another app, I realized that Discover had reported on my account and dropped me 83 points. While I’m in the process of trying to purchase a home. I called the company and informed them that all the information was properly updated and I even made the latest payment with the same account. I informed them that I hadn’t been informed of the discrepancy and why is that? I know I signed up for paperless billing which translates to all communications via electronically. Mason said, “well we provide the information in your billing statement.” Let be honest, Why would I look at a billing statement if my account is on autopay? I ultimately ended up saying please just fix the credit report. He stated, “because you didn’t look at your billing statement it is my fault!” How? Either way you’ll still be paid with the same account that is still on autopay. His blatant disregard for the discrepancy was just wrong the whole travesty was their fault. All I wanted them to do was fix their mistake of making sure the app is translating updated information to the main system. Since I manually did it before this all began. I ended the call telling them that I needed to calm down before I tried to converse with someone without showing utter disgust. Mason was just doing his job but the way the matter was handled was just disgusting and without any honor. For almost 2 years I maintained a flawless account with them and their inability to compromise has left a nasty taste in my mouth ending in the worst
“(Discover)y!”

Perhaps it’s a different design for those who have Discover for a Checking account, but for use with the Discover Credit Card , it is cluttered and not user friendly. The main interface has too much information that I don’t want to see, and missing plenty information I’d prefer to see.

When I log into the app, all I want to see is my most recent credit card transactions, my minimum payment due and it’s due date, my current statement balance, and the option to freeze and unfreeze my credit card. Everything else is secondary.

Cash back match, cash back bonus, my FICO score, rewards program, etc, all can be hidden. I find myself having to make a hundred clicks to get to basic information like my transactions, while a cash back match that I can’t redeem until the one year anniversary of my card opening is right in my face. Why so backwards?

Discover, I think you have good intentions but by clogging the app’s interface, you make navigating it very tiresome and unfriendly. For example, I know that I am accruing cash back in the background, so leave it in the background until I want to access it. Don’t worry, I won’t forget it is there. Cash back match can only be redeemed once a year — why do I need to see it right now? Thank you for providing me my FICO score, but it changes once a month, why show it to me everyday? Main while, I want to see my most recent transactions so I can tag and categorize them, but then I have to go through a circuitous route to get to them in order to do so. Yeesh!

In addition to Discover, I have credit cards from Bank of America and Citi and out of all three companies, I’d say Citi’s app is the most simplistic and streamlined, while concurrently giving me access to additional account information when I need it. I like my Discover Card and the available features but I don’t necessarily need all those features in front of me all at once.

My current statement balance, my minimum payment due and its due date, my recent transactions, and the option to freeze and unfreeze my credit card is what I need immediately. Everything else should be hidden.

I have no idea what happened with the Discover mobile app, but magically one day the app just started to only allow passcode or login through username and password only. Face ID used to work, but now the feature is essentially broken, every time I hit Face ID to unlock or sign in, it either: does nothing, or does nothing. Within the app itself in settings, I try to enable the Face ID feature to unlock the app, but the feature doesn’t enable, it turns green for a few seconds before scrolling back to the left (grey, as to show disabled) like it was never selected. I have tried deleting the app, reinstalling it, but nothing works. This is frustrating considering I use the app frequently throughout the week and have to use a passcode to login in every time, which is neither safe nor convenient.

Another point of contention: notifications need to be either fixed or looked at concerning loading and real time responses. Every time I am in support chat with customer service within the Discover mobile app, after clicking on a notification which I presume is a “response” for a representative: the chat always fails to load on my end. I try to close the entire app, then head into support chat repeatedly, but the result is always the same: a loading screen that sometimes never loads. As a result, I lose my connection to a staff member and I have to message the super unreliable bot from Discover.

IDEAS:
- add the option to change card designs within App
- DARK MODE, whether through conventional black aesthetic or darkening colors to make the blinding white screen from hurting millions of users retinas! Or some other method to have something close to dark mode for the app.
- Instead of having the quarters for rewards redemptions spread horizontally, position them in a square so as to make it more visible to the average user who might not see it.
- Increase character password length maximums for people who are security prone.
- Cashback bonus icon on activity page should be removed and placed in rewards tab screen or removed altogether. No point, takes up space and looks disorganized.
- Activity tab screen should show as many recent purchases, returns, credits, or other activities as possible.

I am sure the app itself is fine, however, I opened a Cashback Debit account to try something “different” from my traditional bank account. I made a mobile deposit with a paper paycheck from my employer for a small amount-$228. It should be noted that my employer is reputable, been in business for over 15 years and according to the check, their payroll is drawn from a Wells Fargo account. I was informed it would take 10 days for check to clear and be available. I completely understand; my account was new. On the tenth day, I open the app and I am hit with a pop-up stating my account had issues and to call customer service. I had opened the app and logged into my account a day earlier with no issues. So basically it was closed on the day the funds were to become available. No other transactions had been done on this account. I call and find out that my account has been closed by the “system” and no explanation could be given. None at all; I was told that the representative could file a complaint on my behalf in regards to “the system”. I ask about my deposit and the agent says it will take 60-90 days to fully close the account and then they will send a check for the amount. Well, it’s been over 60 days and nothing, so I suppose they feel it necessary to take the whole 3 months to send me a check for $228. Luckily, it was not a large amount and I still had my account at a normal bank. My issue is WHY on the day this initial deposit cleared, my account was closed by “the system”. I will never take a chance again on an online bank. It is much easier to do business with traditional banks; the fees we pay are the cost of convenience and I do not mind paying the fees anymore because at least I can trust that my account won’t be closed at a moment’s notice for reasons unknown. To this day, I still receive notices and emails in regards to this account, so I am assuming the account has not been fully closed yet. When I attempt to login, I am still getting a message that my account is “frozen” and to call customer service. 64 days is not long enough to “fully close” an account and provide a check for the amount left. This bank does not deserve anyone’s business and people should think twice about opening an account here.

Of the three cards I use frequently each month, my favorite credit card is Discover. I use two additional credit cards regularly. Near the beginning of each month I phone in bank transfer payments and then phone in a larger payment to Discover. (Unfortunately, it costs thousands of dollars to pay to heat a modest home at 68 degrees and to have an adequate supply of hot water!")
Consequently, all three credit card payments are never late, and I avoid paying interest by clearing the total credit card balance early each month.
At 84 years old, I have disciplined myself to make these substantial and timely payments in order to maintain a very low credit card balance without having to pay any interest on a small unpaid balance. I also pay $15.00 each month to protect me from any fraudulent activity. (It would be very helpful if Discover alerted me to the possible type and source of any fraudulent activity.)
However, paying by a land line phone opens up a serious problem, making me vulnerable to scammers, which in the last five years have caused me to put freezes on two of my joint checking accounts. I am presently involved with closing one joint checking account and opening a new account at one of their CT branches.
I thought you might be interested in studying the scam by having a customer dial his bank's number and then key in his account number with one number near the end miss dialed. Using the legitimate telephone number for account service, which is available to bank customers, they might discover by dialing in one wrong digit to discover what happens.
The following situation might occur. It is a little tedious, but you may be surprised by the various "propositions" that are revealed. To avoid suspicion, an astute scammer may open up his fraudulent telephone communication with a fake audial of the true bank logo. Once the call is fraudulently rerouted to the scammer's number, the unsuspecting customer may be duped into revealing his bank account number when the scammer says that the honest customer does not have his true account number.. after punching in a single incorrect digit in his account number. I dialed the my bank routing number and account number several times with the same discouraging reply that the account number did not exist. The scammer then put me on hold, listening to some "strange" music for several minutes. I then hung up. I immediately called my bank again using the bank's correct customer service number and put a "freeze" on my checking account and alerted the bank to the scam.

This used to be the best financial app that I have ever used. Now I can’t even login because of ghost accounts that don’t belong to me. Discover is “requiring that all accounts be linked to one login and password.”
First, this is not the best choice for security. If someone hacks one login and password then they have access to all of my accounts. What’s the point of account security if everything is linked together.
Second, the system won’t let me login unless I verify that an account that doesn’t belong to me is mine...There is no way that I am going to take financial responsibility for something that doesn’t belong to me.
Third, customer service, tech support, fraud department, supervisors and managers do not know how to remove these ghost accounts.
Fourth, I have spent literally over 100 hours on the phone trying to be able to login to my accounts over the last 6 months. It’s not my job as a customer to point out and fix the mistakes of a multi billion dollar company.
Back to PAPER STATEMENTS I must go...It’s sad when a company completely messes up and instead of rethinking the problem they just plow ahead.

After dealing with their customer service reps the last few times I hold they all lose their jobs to AI. A number of these idiots have yelled and screamed at me or even hung up the phone. Get a grip! If the job stresses you out that much you need to find a different one. Preferably a job where you don’t deal with people. The bratty ride behavior is unbelievable. Oh and if you try to put a claim against a purchase it takes forever. And every time a new update or correspondence goes through on the claim it goes to another rep. They do not have reps working any one claim. It’s all random. Which means the next person may not understand the whole picture and rule in favor of the wrong party. It’s like playing Russian roulette with your money. I e had this credit card since I was 19 and I’m not 45. Never missed a payment or ran it up too high. I usually have around an 800 credit score. Can you believe I’ve had the same measly credit of $2500. They won’t raise it. That’s fine. I’ll use a different credit card. You screwed yourselves out of money by being the stupid company that you are. A bunch of frauds and idiots work for Discover.

Update 2/23/2023 it’s been at least 6 months since I noticed the app was opening and immediately crashing with iOS 15. It didn’t work in any of the earlier versions of iOS 16, and it does not work with iOS 16.3.1 which I just installed. I’ve talked to customer service about it 3 times. They are always surprised that it’s not working and never have a solution. Until today, they never entered notes about my problem into my record. It’s pretty sad that an organization this big can’t effectively code for one of the most popular phones/operating systems in the world. Sadly, all areas of the company seem to be slipping into “don’t care mode.” My wife needed a replacement card and they said it would arrive in 2-3 days. It’s been 5 days and could take up to 4 days more because they sent it standard delivery. Tip: always specifically ask for expedited delivery if it’s your primary card. I’ve been a member since 1988 and we have used Discover almost exclusively for the past 15 years. We use it to pay for most of our monthly expenses. I guess it’s time for a change. I just gave my wife the USAA Visa and will let Discover sit in the drawer when it gets here.

My Savings Account is frozen, basically once a week. The only way to get money out of it is to request a check or wire. So I opt for the Wire. Discover thinks all wires are fraud. Even though they initially vet the account, they do not just make sure it’s you on the phone with personally identifiable information. They run it as if you are a new customer and I get flagged and frozen every time. I spent all of July on the phone with Discover fixing the issue, which was only the one they created. Now it is November and I tried to do another wire and again it’s frozen. The fraud department has no issue with telling tall tales about the status of the account and banking laws in general. In July, I was told I tried to send money out of the account before the incoming wire placed the money in the account. Really, my bank statement showed the funds and my Fed Ref # proved the funds were there but Customer Service insisted I tried to pull a fast one and the funds were not there. That is not how wires work. Whoever is running Compliance at Discover needs to be replaced. Dumb procedure on top of dumb procedure to ensure job security and accomplish nothing except annoying the customer.

Discover Bank and it's competitors, take note:

This app is the most poorly built app I have ever seen. A junior high school student could built a better functioning Bank app in 2 weeks than this abomination of an app. I'm surprised Apple even approved this mess.

Here is just a short list of what's wrong with it:
1.) The tab bar on the bottom is misaligned.
2.) The app crashes frequently when trying to perform a mobile deposit.
3.) The buttons in every screen of the app respond very slowly and sometimes will not respond. And when they do respond, the UI feedback is also delayed/non-existent.
4.) The app is not a real native app and seems to be built with web views.

This is exactly what happens when you outsource your mobile development to a "IT Services" shop that claims to do everything, but they're not the only ones to blame. The IT Division all the way up to the CIO levels at Discover Bank need a firm kick in the rear: They have set the most asinine of requirements, and also accepted and put something so poor on the App Store, that they have lost a customer. I am closing my Discover Bank account simply because your app shows how poor your commitment is to your customers.

I loved Discover when I first got my card! However, after a few months they suddenly lowered my available credit by about $3,000.00 and gave no real reason except they illegally without my permission ran my credit score again and looked to see how I paid my other creditors. First of all, that should be illegal! I had never missed a payment and I always paid more than the minimum due to DISCOVER! They then started making my minimum payments higher than I could afford, however, I still paid something before my due date! Despite being highly disappointed, I still in good faith paid at least $50.00(what I could afford) and I have ALWAYS paid on time! Yet, it’s telling me I have missed two payments because I did not pay the astronomical minimum due they expected me to pay! I paid what I could, ON TIME! Who lowers someone’s credit availability for no real reason and then raises your minimum due amount beyond what you can afford? DISCOVER, that’s who! Also, they don’t even work with you to help the situation and they report you negatively to the credit bureaus to further screw up your credit and to force those high interest fees on you! It’s like robbing you without a gun!

I’ve been waiting two days for my replacement card. Finally got it this morning, upon activation after spending 45 min on phone setting up new passwords, and security pin for cash withdrawals before I even use the card. I was flagged despite all the redundant measures you employ to prevent Identity fraud! 3 phone calls with your security department the best you could do was ask me to wait for your system to reset. There has to be a way to overcome these protocols over the phone immediately when my identification is confirmed. Depending on computers to do your job is dangerous! Not being able to fix this with a human on the phone is unacceptable. I’m really disappointed. I own a business that depends on me and my mind, experience, and customer service. Remember when that was America! What happened? When did the ability for humans to solve challenges become not enough? Start today one customer at a time . You guys can do this.. You don’t have to solve all your challenges in one day, just break it down one at time. We are capable of so much more than any computer program . We put a man on the moon. Remember that.
Scott Sinclair
CEO Green Harbor Bait and Tackle
Loyal customer of 4 years

I reported a fraudulent charge to their Fraud Dept. from an Online Service Scammer for Redlight Camera Tickets in California. While I only agreed to a one time $99 charge for nothing but preparing the documents to challenge the mailed ticket, which I still have to mail-in myself & prepay all penalty fee as directed. I never agreed to any other charges and certainly did not agree to a monthly renewal charges specially when I was just trying out their service the first time. For those who are curios their Mailed in Defense did not work. Eventually, the penalty was taken by the Traffic Court. So, why will I want to continue a membership fee? Discover Fraud Deparment without giving me proof that I authorized the charges, claim that they are legitimate charges & reversed all the unauthorized charges. Not ONLY DID DISCOVER FRAUD allowed SCAM CHARGES which is a FALSE ADVERTISEMENT that Fraud/Unauthorized charges will not be cardholders responsibility. The worst things is they Kept the GET DISMISSED.COM in my auto renew charge schedule although I already clearly did not want these SCAMMERS service in the first report. Now, 11feb22, I am on hold and being bounced from one Support to another. SUCH A SHAMEFUL SERVICE!

I’m usually not the type to write these sort of reviews as I believe a lot of people’s bad experiences tend to be either user error or outside of the company’s control. But this is just ridiculous.

I was really excited to hear about all of Discover’s benefits for their credit and debit cards and immediately signed up for one of each. However they’ve been proving more trouble than they’re worth.

I’d heard myths about Discover credit cards not being accepted widely. To my surprise, I’d faced no issues with it at all. The debit card on the other hand: nothing works with it. Not Plaid, Klarna, Afterpay, GooglePay—even my other credit cards barely recognized it as a valid account to withdraw funds from. The activation site for the debit card and to link to PayPal doesn’t even work, mind you.

The app itself is much clunkier and slower than other banking apps, but I was fine with it until I was faced with error messages pretty much every time I tried to do anything on the app.

Now I have a debit card that doesn’t work with anything on my phone, and an app that barely works on my phone to control it. Great.

Also the $25 external transfer minimum and the 90 day waiting period for Zelle are just plain annoying.

I’ve had the card a couple of years now and it’s alright, they do well with points and rewards. My main issue has been every time fraud has happened I never get my money back nor does discover give me my money back. I’ve had to fight for my refunds when I’m charged without my consent multiple times while discover always says “money back guarantee” yet not once have they understood me and worked with me when I call. Truly sad because other smaller companies have given me my money back when I call with much less of a hassle. I try to use this card as little as possible and have its information stored nowhere yet my old card number gets a chard and discover sends me an email saying they approve it, then I call discover and all they always do is say “here’s the number to that company so you can call” ridiculous for a company so big to not give a 19.99 refund i didn’t approve. I even showed the evidence as to why I didn’t approve it and was still told “oh well” and had to eat the 20$ loss. Happened a 2nd time with a 150$ loss so now I’m writing a review to let people know the truth because 2 times in 2 years isn’t a lot of “fraud” calling and 170$ isn’t a lot of money to be refunded by a billion dollar corporation.

The app itself is probably the best in its class, offering the option to log in using Face ID over the slightly longer method of entering your username and password every time. When I first installed this app several months ago, I immediately set up my Face ID and opted to log in via Face ID. It worked well for a while— I’d tap the ‘FACE ID’ option and would automatically and swiftly be logged in, that’s it. Then, after a couple of months or so, after tapping the Face ID option to log in, I noticed I started being prompted to actually set up Face ID— every single time. Umm, I’d already set it up and have since set it up many times over. Each time this app is updated, I’m left hoping the apparent Face ID glitch has been resolved, but thus far to no avail. Not a single one of the other credit or debit card apps installed on my phone give me this issue— only the Discover app. When you opt to log in using Face ID, you’re not supposed to have to set up Face ID on each and every log in, it should just be a one and done. Do the engineers and tech team get that? If anyone who works on the Discover app actually took the time to read this, PUHLEEEEASE FIX THIS, I beg of you! Not a good look for the Discover brand.

Works almost never. Random errors about incorrect login information, no Internet connection, etc. FaceID stops working for days/weeks at a time. Incomprehensible that Discover can’t afford to pay for decent app development.

Update months later: FaceID still not working. Does not remember device and requires secondary authentication at EVERY login. SMS codes never arrive requiring a phone call to get a code.

Same story from Discover technical support. We can’t help you, just deal with it. I do: I deal with it by deleting your app and using a different card. Discover take note: my card has a zero balance and will not be used until you can make an app work like everyone else in the world can manage to do.

Update 2020-08-12:
After working correctly for about a month, the app now looses it’s saved FaceID login every few days requiring password re-entry. Not a problem when your password is ‘password123’, but it is when your password is 25 random characters long and stored in a password management app (like yours should be). This malfunction renders the app all but useless. Why Discover can’t manage proper app development is incomprehensible to me; my local bank (with only two locations total) can get it right, along with EVERY OTHER APP on my phone that uses FaceID.

I feel stupid shouting into the void like this - clearly nobody is reading these reviews. I’m sure it’s a slim minority, but it’s easy to see that many of your users are completely unable to open this app.
Specifically, I have had this problem on two different iPhones, iOS 15 and iOS 16 (and all point releases), since early 2022.

Like many reviewers, I have of course deleted and redownloaded many times. I now keep the app tucked away on my phone and check to see if it will work again after updates. I have reset, restarted, cleared, etc. in every way.

The app still works on iPad. But, since I don’t carry an iPad in my pocket, that’s not doing me much good. Discover had been my main card for years, but last year I got so fed up that I opened a new account with Chase to have a functional app. I don’t even carry the Discover card in my wallet anymore.

PLEASE, if anyone with any influence is reading this: submit a ticket, talk to your boss, add it to the project tracker, anything.
But please don’t waste a moment replying with “we’re sorry to hear the app isn’t working for you and we understand your frustration…”

Please just fix this so we can launch the app. Any time being spent on improvements or new features is being wasted for some percentage of your customers because we can’t even open the app.

The app crashes all the time. There’s often times that you try something on the app or web portal and Discover tells you the feature is not working. It could be any random feature such as changing your notification settings or even logging in.

Mostly recently I cannot access my account online due. Support said try again in 24 hours. What kind of banking institution has a 24 hour SLA? That is unacceptable. I asked support if they could email me or call me when the issue was resolved. They offered no method other than to tell me to try again in 24 hours.

Shortly after the login started working with no change on my end. It has been spotty on and off. I have even received intermittent emails saying they do no have any contact information for me when I login despite all my contact information is in the system. When this happens it prompts you to call support and does not allow you to login. This seems to be an intermittent issue because something this pops up and sometimes I am allowed to change the settings on my end.

My impression is they have many technical issues on their end and have an issue with QA as the error messages and issues are intermittent and do not appear to be anything on my end. Good luck Discover bankers, I am not sure I would trust my money somewhere where my funds are not available. Discover’s uptime is woeful.

I use both a large major bank and Discover. I like their banking services and no fee attitude. However, their online and mobile apps are just terrible. The apps for major banks are surprisingly good, easy to use and just works. The Discover app has so many issues.

First, the login screen. It’s terribly slow. Sometimes it doesn’t remember I use faceID so I have to touch the button to use it.
Second, the app itself is just slow. So many spinning loading circles. Not to mention the UI and UX is terrible and makes it hard to use or find what you want.
Next, quickview. This is a nice feature theoretically if it wasn’t so slow that you might as well login.
Fourth, after every update, the app resets and asks me to set up my pin and faceID. I update the app thinking it’ll fix some issues but this happens EVERY SINGLE TIME I UPDATE.
Lastly, the issue that prompted me to write this review, the MFA doesn’t work properly. Trying to schedule a transfer and it asks for a text or voice verification. Whether I input the code manually or automatically, the loading circle spins and nothing happens. Worse is the fact that there is no “next” button! Infuriating and just another example of terrible user experience.

I really hope they redesign the app (and the website) for a better user experience.
I’m using a iPhone 11 Pro in 2020 so it’s not the phone. Other apps run fine.

Worst experience of my life calling in the total of 2 times I have ever had the need to call Discover. My last conversation with supervisor “Lenay” I was guaranteed a phone call back and I gave both my cell and my WORK direct line. I did not receive any call back regarding my claim.

1st phone call given interesting info, changed all my credit card type (assuming this was inflation) as I was calling to lessen my card interest: if I am trying to pay a card off, why change the type to make me spend more? That’s an integrity issue.

2nd call, was so lucky to get “Bob from Delaware” — I manage a team of roughly 40agents for a top 10 national bank. I can say I would never hire Bob for a customer service position ever. He was very displeased I contacted discover and got hi, he offered me a supervisor and thank god I was connected to someone else, as Bob told me I was wrong as a client.

Spoke with Lenay, whom I believe understood where I was coming from. I requested TWO calls be pulled for review, two. She promised this would happen by a “Brittany” manager and I was going to get a call back.

I never received any call, email, message, nothing. Where I of course have all the time to message you about your absurd APR and credit inflation of sales on my credit card, I’d appreciate a cal back as requested now for the second time.

Worst experience of my life. I am disappointed and cannot wait to close my credit card at the earliest convenience.