Discover Financial ServicesReviews of discover.com

I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least $500 a month to Discover instead of the $250 (twice the minimum agreed upon) I've paid on time since the agreement. I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an "open" account I could not use, that they would create some arbitrary deadline to repay the entire balance. When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State. And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is "no credit available" a risk to them?

If your looking for a credit card that will protect your money Discover is not it. They go in favor of the merchant with disputed transactions. At first they said they would credit it and even though I provided documents because they couldn't get a response from the merchant they reversed the credit and had the audacity to report my account as a disputed account. Stay away at all costs!! My sister's credit card (a different company) took care of the dispute for the same illegitimate transaction no questions asked and she didn't even submit proof through documents. Look for a bank that works for you!!

Discover Credit Card offers keeps popping up on websites I have used for years. I finally accept the Discover offer, and Discover Credit Card offers me a chance to use their name if I pay $200 of my own money. I declined the Discover Credit Card offer, because it felt fake. Discover Credit Card offer popped up again, today.

Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money. Funny thing is the call I received from the fraudster was in fact Discover's phone number. The police that took the report said anybody can change their phone to show any called id they want. When I received the call from "Discover" regarding this, the caller ID showed I was actually getting a call from Discover so I had no reason to believe it was anybody else until I saw I had $3.00 in my account. Completely devastating for my family. They are completely uncooperative and are NOT returning our money. PLEASE, PLEASE stay away from Discover. I would hate for anybody to live the same nightmare.

avoid discover personal loans. i verified my address 10 different ways , and they kept telling me it wasn't good enough to verify my address, i kept sending photo after photo with the date and my address on it, but 1 1/2 days applying for a loan with SoFi and i'm already getting my funds sent. discover wasted weeks of my time , and only called me when i was at work and couldn't answer the phone. very unprofessional experience.

Husband applied for a personal loan with a credit score over 800 and 7% credit usage. They asked for a copy of his driver’s license, a copy of his Social Security card, a copy of a bank statement or utility bill, and bank statements for past three months. I thought this was going way overboard for this credit scenario on a $12K loan. It was three days before we logged in without any notification from them to check my application status, where we found out they declined the loan because they could not confirm his identity. What couldn’t they confirm? We supplied all the information they asked for, and they just closed out the application without so much as a phone call or asking any questions. We called, and the representative tried to pass it off as a problem with his credit report. I just pulled the credit reports, where there was nothing unusual. Now, his score dropped eight points because of the hard inquiry. Consequently, this has made it harder to shop for another loan as the quoted rates are now higher. Bogus! Thanks a lot, Discover!

Discover's Cardmember Agreement and business practices are disgusting! It is clear from my payments and activity that I was trying to avoid interest charges. I regret not checking my account earlier to notice the 5 months of interest charges at 23.99% caused because Discover took my final payment to be applied to my 0% $12,000 balance transfer in October 2022 for the final balance of $4,111.05 and applied it to charges other than my $12,000 balance transfer that expired in November 2022, forcing $282.59 in total interest charges to my account. I believed that I could trust Discover since I set responsible automatic monthly payments and made zero purchases. I will never trust this fraudulent company with my finances and will advise others not to either. An ethical company would do better by its customer with facts as clear as mine and refund me their mistake of $282.59 in interest charges that I did everything right to avoid. I spoke to 5 supervisors that promised to resolve the issue and get back to me - none did. I made a claim through the BBB, but Discover didn't respond to my facts. Discover was able to steal my money because of their Card Member Agreement - BEWARE!!!

Within 24 hours of activation of my first credit card with Discover, I had my account frozen pending identity verification. After providing the information and unlocking my card, another department froze my card and sent me a message saying that I needed to provide consent for the IRS to give them my last two years of taxes to prove my identity. When I argued that my taxes shouldn’t be required for verification of my identity, they told me that they could use my last 3 months of bank statements and a notery form as identification verification. I believe that I am being lied to and treated as if I am undereducated. I am willing to bet caucasian customers from larger cities are not treated like this.