Business Profile

Credit Cards and Plans

Discover Financial Services

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

3,139 total complaints in the last 3 years.
953 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The 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:07/23/2025
Type:Customer Service Issues
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.
Does not have no way to contact customer service only by calling which I am not doing or live chat which is not helpful, please stop all stuff from this company for ***** ****** **************************************** which no longer lives here and ****** have not way ro contact when you send marketing mail back that says no longer lives here
Business Response
Date: 07/28/2025
Please see attached
Customer Answer
Date: 07/28/2025

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,

***** Back
Initial Complaint
Date:07/21/2025
Type:Service or Repair Issues
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.
06/01/2025 Discover Card closed without notifying me. I talked to a representative about the merger of the company with ***********. They ensured me that there was nothing that had to be done. Now three weeks later my account was closed. There was no pending balance and no pending authorizations. The account was in good standings and always paid on time. When i Called Discover they said it was due to account use" Not used enough" and closed it without any warning. This has effected my credit score and credit limit. This is un acceptable especially from a company that was just merged.
Business Response
Date: 07/25/2025
Please see attachment
Initial Complaint
Date:07/20/2025
Type:Order Issues
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 not liable for this debt with Discover card. I do not have a contract with Discover card. They did not provide me with the original contract as requested.
Business Response
Date: 07/30/2025
please see attachment
Customer Answer
Date: 07/30/2025

Complaint: 23626283

I am rejecting this response because: Discover has yet again failed to provide me with proof that I ever had a contract w them or an obligation to repay them. They are required to provide proof within ************************ they violate FCRA, FDCPA, and CFPB regs. They can delete this from my record IMMEDIATELY or they will be sued in court for wilful noncompliance identify theft, defamation. Etc. They will be sued in a venue local to me. ******************** are *********** stamped n therefore confirm their continual wilful misconduct and violation of federal law. They can immediately delete this from my file permanently, or send me a certified check in the amount of $5000 or I'll be stopping by the courthouse to file appropriate lawsuit paperwork 1st thing Monday morning. They have 48 hours to comply.
Thank you for your efforts

Sincerely,

******* Deal
Business Response
Date: 08/01/2025
Please see attachment
Customer Answer
Date: 08/01/2025

Complaint: 23626283

I am rejecting this response because: they have violated federal law and continue to blatantly disregard my request for validation of debt. This fact concerns me deeply and suggest further wilfull noncompliance om their part. I demand deletion of this account from my credit reprts immediately. Additionaly, as a result of their continued violation of federal law and willful noncompliance, as well as, the fact that they continue to operate outside of goodfaith, i demand compensation in the amount of $5000 immediately. On monday morning when i goto file paperwork w the courts, i will be requestimg $10k compemsation. They are out of compliance, out of order and out of time, resulting in me being out of patience.

Sincerely,

******* Deal
Initial Complaint
Date:07/19/2025
Type:Billing Issues
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.
Discover reported late payments on my account during [months/year], when I was experiencing a severe [medical/mental health/financial] crisis. Ive provided proof of my hardship (attached) and maintained perfect payments since, yet Discover refuses to remove these marks, which are now harming my creditworthiness.Violations:While Discover is legally allowed to report accurate information, the Fair Credit Reporting Act (FCRA) permits goodwill adjustments for extenuating circumstances.Their refusal contradicts industry practices for customers with documented hardships.
Business Response
Date: 07/21/2025
Please see attached.
Initial Complaint
Date:07/16/2025
Type:Product Issues
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 received a email stating I qualified for a bonus if I put in new money, which I did. I deposited $25,000 of new money so I could receive the $200 bonus. However, a payment that I had scheduled before had hit right after the $25,000 went in. I believe the day after. I was under the impression that the new money would take 2-3 days to transfer however it went in right away. Because of this 'technicality,' I was told that I was not eligible for the $200 bonus. This is not fair. I did hold up my end of the bargain and kept that money in there despite a payment coming out right around the same time. I have been with Discover Card services since 1996 and with Discover Bank for a few years now that this bonus should have still gone through. I'm hoping customer service will do the right thing and honor the $200 bonus.
Business Response
Date: 07/28/2025
Please see attached.
Customer Answer
Date: 07/29/2025

Complaint: 23609019

I am rejecting this response because: I did fulfill the terms.
I will be going through the process of shutting down my account.

Sincerely,

****** ******
Business Response
Date: 07/29/2025
Please see attached.
Customer Answer
Date: 07/30/2025

Complaint: 23609019

I am rejecting this response because: they did not resolve my issue. I will be shutting down my account

Sincerely,

****** ******
Initial Complaint
Date:07/16/2025
Type:Service or Repair Issues
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.
This has been a year's long concern. Discover Card has been reporting that my email address, *******************, is invalid and/has been bounced back by Protonmail's servers.I have used Discover Card's online Chat function and called **************** and Technical Support but to no avail; except that a Discover Tech. did admit that it was Discover Card's server that was doing the bounce back, and not Protonmail's. I submitted several helps requests to Protonmail about this and they reported that none of their server logs showed that there were any emails in my name sent by Discover Card. Further they reported that Discover Card had Customers who used Protonmail who NO issues whatsoever.Protonmail requested that Discover Card send them proof of the bounced back emails.I have requested this proof from Discover Card over the past years and again today. Discover Card has said that they have no proof(data) send or else they are refusing to do so. Discover did once say that they did have logs of this issue and the bounced back emails; therefore, there should be some sort of data that Protomail might be able to review. It seems to me that Discover Card is unwilling to make the effort to get things corrected. They wanted me to change my email provider and email address, which is a completely incorrect solution. My email address is part of the login for dozens of online accounts now and works for all other businesses that I deal with.
Business Response
Date: 07/31/2025
Please see attached
Customer Answer
Date: 07/31/2025

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 went to my Discover Card Online Account and contacted Chat Support. After a brief discussion, they sent an email to my listed email address and it came through just fine.

Sincerely,

***** ******
Initial Complaint
Date:07/15/2025
Type:Product Issues
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 had an issue with a purchase that was made with my discover bank debit card. They made me aware even through the seller was be fraudulent with their listing and I had receipts, they were refusing to assist with disputing the charge. I had all documentation needed but they did not want to help.
Business Response
Date: 07/23/2025
Please see attached.
Initial Complaint
Date:07/15/2025
Type:Billing Issues
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 had a series of fraudulent charges on my Discover Card. I did not notice it for almost two years. It is a charge by ******. I called ****** and confirmed that this is a fraudulent charge made by someone using a name I did not recognize. I called Discover Card and explained the situation. The representative accepted the case and they refunded my accounts with credits for the all the charges of the ****** purchase. But then, I received letters and voicemails from Discover ************** asking me to call them back. I did. I talked to a representative in the ************** and explained everything again. The representative told me that he was happy with the information and everything is fine. Today I received a letter from Consumer Protection Services, Discover Card. Not only they claim that it is not a fraud and I need to pay back all the refunded credits but also they reported to credit agencies that my account is under dispute. I called them to find out. I was transferred 4 times before I finally reached the right person. The representative simply told me that because I did not catch the charges early and paid them for a long time, it is not a fraud. It seems to me that this representative did not know anything I reported previously to Discover. They made their decision without referencing my information. And they reported to credit agencies without notifying me before hand which may hurt my credit score. I think the Discover Card **************** does not care about customers at all!
Business Response
Date: 07/22/2025
Please see attached
Initial Complaint
Date:07/15/2025
Type:Billing Issues
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 filing this complaint because Discover Card has reinserted an account onto my credit report (Acct: ************* after previously sending me a letter stating it was deleted. This reinsertion occurred without proper notice or disclosure, violating FCRA 611(a)(5)(B). I received no notification within five business days explaining the reinsertion or identifying the verifying source.This is misleading and damaging to my credit. I am requesting the immediate and permanent deletion of this account and written confirmation. If not resolved, I will pursue further legal recourse through the ***** FTC, and private action under FCRA ******. Permanent deletion of the account from all credit bureaus and a formal written apology/confirmation of removal.
Customer Answer
Date: 07/15/2025
I am filing this complaint because Discover Card has reinserted an account onto my credit report (Acct: ************* after previously sending me a letter stating it was deleted. This reinsertion occurred without proper notice or disclosure, violating many consumer laws. This is misleading and damaging to my credit. I am requesting the immediate and permanent deletion of this account and written confirmation. I couldn't attach or resubmit my complaint.
Business Response
Date: 07/23/2025
Please see attached.
Customer Answer
Date: 07/23/2025

Complaint: 23601987

I am rejecting this response because: Discover was previously removed from my credit report. Im rejecting their explanation for the following reasons:
1. Discover already deleted this account from my credit file, which suggests the account was inaccurate . The fact that it was removed means there was a reason it shouldn't have been there in the first place.
2. Discover has now been bought out by *********** has now reinserted the account after acquiring the portfolio. According to the Fair Credit Reporting Act (FCRA), if a deleted account is reinserted, the furnisher ************ in this case) is supposed to certify that the information is accurate. Plus, the credit bureaus are required to notify me in writing within five business days of the reinsertion. I have not received any such notice, which is a clear violation FCRA 611(a)(5)(B).
3. A change in ownership doesnt give them the right to reinsert an account that was previously deleted. Just because *********** bought the portfolio doesnt mean they can re-report something that was already removed.
Im asking the BBB to request that ************ Discover remove this account from all three of my credit reports and stop reporting it altogether. I also want them to provide documents proving that they deleted this account and proof that I was notified within 5 days of reinsertion.
Business Response
Date: 07/25/2025
See our response attached.
Customer Answer
Date: 07/28/2025

Complaint: 23601987

I am rejecting this response because: they are not addressing the fact that the acct has been removed and reinserted. Many violations. .

Sincerely,

******* ****
Initial Complaint
Date:07/15/2025
Type:Billing Issues
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 writing to express my deep concern regarding my accounts with **********************. I was recently hospitalized for over a week and discharged late Monday afternoon. Upon returning home, I found notices indicating that my accounts were overdrawn (which have since been rectified), as well as threats of account closures and demands for immediate contact due to unusual *********** a financial institution, you are obligated to reach out to me directly via phone, which has not been done. Furthermore, despite these concerns, you allowed the usual transactions to continue, which led to my account being frozen. It is worth noting that fraudulent activity has been occurring for months, and despite my repeated requests, you have not taken appropriate action, such as changing my account numbers. To make matters worse, my accounts are no longer in overdraft status, yet I have been locked out of my online banking account with no clear explanation or resolution. Instead of freezing my accounts, they blocked me for having any online access all while unauthorized tractions are still occurring. I get the same answer that its pending closure, but its been under status since the end of my; it beyond unconscionable As I have been recovering from sepsis and pneumonia, my accounts are my sole source of funds. I am also a victim of domestic violence, and there is a court order in place for my safety my partner RUINED MY CREDIT to the point no other fighting constitution even mother giving me an opportunity to open an account with them because of the The level damage this individual formed using my SSN that goes beyond; I had EVERYTHING TAKEN FROM Me, its triggering to
Business Response
Date: 07/22/2025

Please see response attached. (Due to limited upload capacity all letters referenced in response have been sent to ******* **** via *******)

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Discover Financial Services is BBB Accredited.