Discover Financial ServicesReviews of discover.com

Extremely difficult to have access to your own money, unable to transfer to my bank, only option was mailed check which I haven’t received 10 days later and supervisors very unhelpful

I hit rock bottom and my almost ten years of no missed payments history was crushed. Thank you SoFi. Thank you Discover personal loans. Thank you Experian. I appreciate all of your help. My goal was to consolidate my debt, I said "almost ten years with no missed payments, someone is ought to notice the effort it takes to hold on tight that many years." Right, think again. Discover was my first credit card out of high school and almost made it ten years without a missed payment. Still, turned me down when I needed to consolidate my debt. Crushed.

Overall, it's an ok card but the representatives at the call centers do not know how to do basic math when they calculate your transactions. It's really funny because I know what's on my statement and the correct charge while they do it wrong. I asked them when the pending charges will fall off because it's been pending for 5 days and the lady said months. Imagine waiting months for a charge to fall off. That's hilarious. You're better off just doing your own math.

Applied for a personal loan. I have no debt except a reasonable car payment - and a credit score of 827. I was turned down for a loan and their reasons were completely ridiculous. The process took DAYS. not next day as they advertise. Multiple calls from people who apparently have no idea what they are doing. Now I have a hard credit pull from this scam of a company. DO NOT do business with them. *update - I got a Lightstream loan almost instantly - much better choice.

Closed my account without warning. Support staff is worse than useless and apparently "one of the harder cards to get" - Darla. If you're able to get approved by any other provider do that, Discover offers the worst perks and should be used as a last resort.

This bank is withholding my funds, and ask for unreasonable proof of identity while I am in Europe on vacation - like a picture of my birth certificate, SS card or IRS document with the SS# on it - who goes on vacation with these documents? Their debit card doesn't work outside the US, so all I saved up in that account is inaccessible to me in Europe. After passing all security challenges I put in place when I opened the account years ago, they now want a Photo ID with a selfie. They don't send the verification SMS to Europe, with the login code when entering the account online. I spent an hour calling from Europe and they simply froze my account. I request they close the account and transfer the balance to another US bank account I had for 30 years, and on file with Discover - no they can't do that, I was told. When I asked how would I have all the detailed and security information if I’m not the account owner, I was told that fraudsters have their way. I wonder now if they are liquidity issues? I suggest that if someone has an account with Discover with a balance of more than a couple of thousand, withdraw it asap, who knows what’s really going on with their finances.

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!!