Complaints
This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 3,270 total complaints in the last 3 years.
- 967 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:05/05/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was signed up for Discover Payment Protection without my knowledge. I have tried to contact Discover in an attempt to cancel this however y I u can't speak to anyone They put you on hold for 20 minutes then they hang up on you. They have done this to me 3 times. Now I just want to close the account as soon as my card is paid off next week.
Business Response
Date: 05/16/2022
Please see attachedCustomer Answer
Date: 05/18/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
I have spoke with them and have resolved the issues.
Sincerely,
***********************Initial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Account Name: DISCOVERBANK Account Number: ***********I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize BBB to give copies or any information on the form to anyone deemed advisable.Business Response
Date: 05/12/2022
Please see attached.Initial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I never opened a discover credit card account in June 2016 I have a learning disability and I can't afford a credit card, someone stole my identity and used it to open a fraudulent credit card account and charged up over $2000.00 I had no knowledge of this until I received a **** for it and threating calls and emails from discover. I'm not making any payments for this account ever again I stupidly made payments because the threats scared me . But I'm no longer praying for a fraudulent credit card that is not mine and if they keep it up I'm taking discover to court for discrimination and fraud.Business Response
Date: 05/18/2022
Please see attachmentsCustomer Answer
Date: 05/19/2022
I never opened this account with discover and I'm not paying another ***** to discover and you need to stop harrassing me I'm hiring a discrimination attorney to *** you for discrimination . You better f****** clear these charges or else .
*************************Business Response
Date: 06/01/2022
Please see attachmentInitial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In a few weeks I will be purchasing a new vehicle and wanted to increase my Discover line of credit. I was rejected because I had not spent enough money and made enough purchases with my Discover card. Even though I have exceptional credit with a credit score of above average, I have been a customer of ********************** since 2008, AND, I ALWAYS pay off my monthly credit card ****. I NEVER just make payments.I find this a denial of my rights. They are discriminating against me for NOT charging enough. REALLY?This is unacceptable behavior in my opinion.Business Response
Date: 05/12/2022
Please see attached.Customer Answer
Date: 05/13/2022
Complaint: 17144908
I am rejecting this response because:
Sincerely,
**** HopeInitial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This complain is due to the negative marks made by your company on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. So let it be known that I am requesting full validation of this debt. I demand that you take action to this matter because it is causing me a lot of stress lately. Please remove this negative account in my credit report. The value of my credit worthiness is at stake.Business Response
Date: 05/06/2022
AttachedCustomer Answer
Date: 05/09/2022
Complaint: 17144810
I am rejecting this response because:After reviewing the information you sent me, I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the ***** and as required, that this alleged debt is accurate and mine. Aside from that you also attempt to collect additional information to verify a debt and that is unacceptable!!!
You DID NOT SEND the following information I needed:
1.Complete payment history, including but not limited to, verification by line item (with an explanation of each item) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by *************************** ****-02-C-0072
2.Proof of my identity
3.Proof that DISCOVERY FINANCIAL SERVICES owns this debt or the Contract giving you power to collect
4.Proof that this debt has not been written off as a tax liability
5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.
.As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away.
Sincerely,
*******************************Business Response
Date: 05/19/2022
AttachedInitial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT ***** YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE (OR JUST SAY "CERTIFICATE") EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.Business Response
Date: 05/24/2022
Please see attached.Initial Complaint
Date:05/05/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I do not own a discover card but yet they have debit my checking account $1200 and $5000 and will not give me any information. I have filed disputes but this keeps happening i cant keep living my life wondering if there going take money from me someone should be able to tell me somethingBusiness Response
Date: 05/06/2022
Please see attachedInitial Complaint
Date:05/04/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Applied for a card with a balance transfer. Card approved and docs were received. No information provided about balance transfer as original request was more than the approved credit limit. Card received and activated. No evidence of balance transfer among being changed out authorized in docs received. As there was nothing on my aim showing this, I used the card. Now a week later there is a balance transfer, maxing my card. I reach out to the business and ask they can say is they candy do anything and contact the other card for your money back. This is very shady and their practices need to be reviewed. I was also told that I was provided my credit limit. Yes I was provided it, but the balance transfer information change was never communicated so how was I supposed to know?Business Response
Date: 05/13/2022
Please see attachedInitial Complaint
Date:05/03/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I requested discover card to assist me with obtaining a refund from expedia for the the amount of $ ******* that was charged for a stay at the *************** in **************** from January 6 2022 to January 10 2022. Due to an emergency I was unable to travel. I contacted expedia on January 2 requesting that the dates be changed. I understood the policy of no cancellations after December 16 2021 which is why I only requested a change of dates. Expedia agreed to contact the resort to request the change of dates.I was told I would be contacted by expedia with a response from the resort. I contacted expedia the next day January 3 and was told that they would contact me with a response from the resort I was never contacted by expedia. I called expedia again on January 6 to confirm that the dates had been changed. Expedia explained to me that they would contact the resort. I called expedia on January 10, I was told that the resort could not change the dates due to the fact that I was marked as a no show in their records. I called the resort they told me that they responded on January 3 to the email sent by expedia on January 2 requesting the change of dates in order for the resort to resale the room before January 6 however expedia did not respond to the resort until January 7 even though I was calling expedia every day for an update. The resort has sent me an email which I have uploaded as a supporting document. Due to the negligence of expedia the resort was unable to change the dates. I have contacted expedia several times however I have not received a resolution to this problem. I contacted discover card to assist me and they only stated that expedia would not give a refund with no explanation even though I sent them the proof from the resort that is attached to this complaint. Discover card did not help me resolve this issue and has continually charged interest on this charge even though the charge is in dispute. I am requesting a refund of $ *******Business Response
Date: 05/13/2022
AttachedCustomer Answer
Date: 05/13/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*******************************Initial Complaint
Date:05/03/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have not used my Discover credit card for at least the last six months. My minimum payment crept up $1 or $2 over that period of time. I understand that due to a fluctuating market, that could happen. It has been the same with other major credit cards that I have. However, this month with Discover, my minimum payment went up $16, substantially higher than the increase of my other credit cards that also have a variable rate. I attempted to get this resolved by contacting Discover by phone, to no avail.Business Response
Date: 05/10/2022
Attached
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