Discover Financial ServicesReviews of discover.com

Received an alert that card was being used in August 2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after 2-3 weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my Transunion account, called Transunion, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called Transunion to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called Transunion on home phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with Transunion and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a Manager on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.

I wish i could rate them lower, They've sat with my wife's secure card deposit for over a year and been spinning stories of returning the same. Wish collection agencies could bite their masters. The reason we needed a secure card in the first place was we mover from another country for work which meant no credit history. But these unethical practices will catch up to you in the long run.

A disgrace of a company. I wanted a loan of 2000. The hassle I have got. Keep asking for more money. Scam artist

Prior to leaving for basic training, my husband contacted Discover to open a checking account. This would be the account his funds would go into for the 3 months while he was away. The funds that would pay all of his bills as well as half of our joint bills. He intended to make the account a joint account, but was told they were unable to do so, but could not disclose why. I was informed later on that the reason was because I already have an active checking account and can’t have 2. Had this been mentioned, I could have closed my account as it hardly gets used. It was then suggested he make me an authorized user. The only difference between the two is I would not have a debit card, which was fine for us because I’d have his account access where I could transfer funds from his account to mine via the app. Discover completely disregarded his request. Never gave me access. Never mentioned to him that even I I did have access, it would be very limited and temporary. Never mentioned power of attorney paperwork he’d have to sign so I could be given access. I’ve spent several hours contacting them numerous times and kept hearing how sorry they were for the “inconvenience”. Numerous times I was told to have my husband contact them. My husband has no outside contact for 3 months while in basic. My husband now has funds transferring to this account for his/our bills that I have no access to. Bills that could potentially make us homeless, without vehicles or means of necessities. We have two young children together. Because their employee didn’t do their job as it was requested when the account was opened, they’ve put my family’s livelihood at jeopardy and all they’re sorry for is the “inconvenience”. 0/10 would not recommend wasting your time.

I've had a Cashback Debit and Online Savings accounts with Discover for a couple of years now. I've had no problems, and I left my previous bank because of problems. Discover has the best 24/7 customer support ever. I had some personal information stolen and they immediately changed my account numbers (closed the account, opened a new one with everything carried over) so the theives couldn't access my money. I get interest on my savings and automatic deposits of my cashback into my savings account every month. They give you free checks. They let you freeze your debit card indefinitely. I keep mine frozen all the time and unfreeze only when I use it. That prevents nearly all possible fraudulent use. I pay my bills through their online bill pay. It has worked great, no problems. It's extremely convenient. I like it a lot better than having checks constantly in the mail. There is still a couple of days lag between doing an online payment and having it posted to your account. You still need to keep records of all your spending to match against the bank's records. That is how you 1. know how much money you really have (the lag causes the bank's total to be temporarily inaccurate), and 2. spot problems. I'm not sure why so many other people are having problems with them. I live in the US if that makes a difference. I don't know how much it matters, but to prove my identity I have my mother's maiden name listed as something pretty obviously not her maiden name, so who knows what I told them other than me? People who know my mother's actual maiden name will give the wrong answer. I also have a security phrase/word. Not sure exactly what they call it. These two measures were put in place after someone stole some private identifying information from me. They always ask for these two bits of informatioin when I call. Also, our cell phones have become crazy important. They can always send a code to your cell phone for identity confirmation. Nobody else has access to the texts on my cell phone. Makes me scared of losing my phone or changing my number. I have learned that you do need to tell them when you travel out of state. They will refuse charges from out of state if you don't tell them. That is a security feature. I called them while checking out at walmart out of state because the payment wouldn't go through and they fixed it in a few minutes, the payment went through. I don't have their credit cards but the credit cards I have, I pay off in full every month and don't have problems with those companies either. Your credit is important, you should treat it like it's important. Protect it from fraud. Only spend what you can pay off every month, paying interest is a waste of your money and the work you did to earn that money. Credit cards do two things for you, if you use them well: 1. protect you from fraud because you can file disputes, and 2. give you benefits like cashback. Cashback is free money, or I sometimes think of it as a discount on what I'm buying. If you want to finance a new boat you should not use a credit card, you should use a savings account. I have had a great experience with Discover bank and highly recommend them to everyone.

My payment is due on the 12th. I made and ACH payment on the 5th and check mobile app daily till the 12th to confirm paid. On the 13th i check mobile app again to consider making an extra payment, but the mobile app was asking me to pay the 12th payment on the 13th. So i called and the response i received was the check was returned the same day insufficient funds and that the system does not allow to see those transactions until the 13th along with a 29 NSF fee charge. I have filed a BBB complaint. BEWARE

I got approved for 5000 and initially over the course of the year spend 3500 out of the 5000 and they too the 1500 dollars which made it look like my account is maxed out but i can see if i was late on payments etc why give somebody credit then take it away then make there account look like there maxed there credit card out now this have effected my credit because now there saying I’m using 95 percent of the card when they took the rest of the credit away and i can see if i was late and not paying on time they were my favorite card now i hate Them now after I’m done paying my balance it sad I’m closing the account

I have been locked out of my account twice now, and I am again unable to access my funds. I appreciate and expect rigorous security verification. At discover though, there is a pattern of mismanagement of the process. As a customer, I expect to may have to do this once, but not twice in a few months.