Discover Financial ServicesReviews of discover.com

So I used my Discover card for a few months when I first got it, but paid it off like a good person. I went to go try and use it and they had canceled my card. I eventually did find the email, but they never even sent me a letter and when I called them, the manager said they will NOT even consider re-opening it. WOW All because I hadn't used it in a while. They could have at least sent an email or a letter saying they would cancel it if I didn't use it within X months, but they didn't. I spoke to a friend who said the following: "they cancel accounts that have not been used in over one year. Happened to me. No warning, no appeal, nothing. I also know they downgraded my son’s credit card limit because they thought his utilization rate on OTHER accounts was too high. Again, no warning, his card just gets declined when he thought he had ample available credit." They used to be so nice to me and now this. TERRIBLE experience now.

I’ve had great service from Discover. Been a cardholder for years. No issues. Got a personal loan from them a few months ago. Everything has gone seamlessly. Funds in my account in less than 48 hours. Their app is definitely one of the best out there!

RIDICULOUS HIKE IN INTEREST RATE after being a customer OVER 20 YEARS!!!! CUSTOMER SERVICE COMPLETELY UNRESPONSIVE! DONE!!!!

I applied for a personal debt consolidation loan through Discover. I was approved for the amount I had requested. I didn't know until I was filling out the final steps of the application that Discover bank wants a list of your creditors and they will pay the bills you want to consolidate. If there are any funds left, those get deposited into your bank account. My opinion is that if I am responsible enough to maintain a good credit score in order to be approved for the loan, then I can certainly pay the bills I want to consolidate. It made me feel like I couldn't be trusted to use the funds in which they were intended, so I am not going to proceed with the loan process. Don't use their credit cards either. I had one to use for emergencies, and since I didn't use it enough, they closed my account. Lastly I read several bad reviews from other customers who used consolidation loans and say that Discover did not pay their creditors or give them any funds that were left over still charging them interest fees.

Do not get a Discover Card... If you already have one NEVER EVER use it for recurring payments. I signed up for a monthly service with no term obligation. The service was no longer available to me but the merchant kept billing the card. I opened a dispute with Discover who gave me an itial credit but then charged it to my account again saying that since I once authorized the merchant they cannot block the charge or credit me for the charge where I did not receive service. This happened again the following month and Discover agent told me the only way I can stop paying these charges is to close my discover account. I had to do it which will have a negative impact on my credit rating. There is nothing you can't get from some Visa or AMEX cards that you get from Discover... NEVER get this card. And if you have one NEVER EVER use it for a recurring purchase.

I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it. It is not benefiting them at all to hold it that long, meanwhile I'm the one suffering without my money.

I was subject to an online scam booking a hotel room using my Discover Card. I recognized the fraud immediately in part because as soon as I hit the complete reservation button I received a Discover Card alert that my transaction threshold had been exceeded. This alerted me my card had been charged for more than I expected and including unauthorized charges. So I called Discover and they said they couldn’t do anything until the charges post. They sent me a transaction alert then said they couldn’t do anything about it, very amusing - so what’s the point of the alert. So I called the merchant to cancel the transaction and the customer service number was to an offshore call center who canceled the hotel reservation, but said it was non-refundable because I needed to cancel by yesterday. And I said I couldn’t cancel yesterday because I booked today. Note part of the merchant scam was not disclosing the bogus cancellation policy or the 50% “service charge” until after the “”complete your reservation” button was entered. So Discover didn’t even buy that an egregious charge disclosed after a transaction was “approved” was authorized by the card holder. I disputed the transaction with Discover 3 consecutive times and every single time the merchant sent in documentation that I did cancel on time so they denied the dispute. In meantime I had rebooked the hotel directly with the hotel so I am out quite a bit for this scam. The last conversation with Discover they agreed this was a scam, but said a scam is not fraud as covered in the user agreement. So they will not remove the charge because they said I authorized it. Even though they acknowledge it looks like a scam. I asked for the merchant documentation to review and they two two weeks to send it. They would not provide me with information about the merchant and the phone numbers they had for the merchant (CCI Hotels) we’re not working numbers. The internet is littered with complaints about true merchants business practices yet Discover has decided this is not their problem, it’s mine. In the short term this is my problem, but I. The long run this problem is Discover Cards. There should be consequences for enabling fraudulent merchant behavior and mistreating customers. Please thumbs up if you agree.

I just had my home equity loan thru discover and I couldn't be more satisfied by the experience. their processing time was shorter and faster than what I was expecting, they communicated clearly thru every step, every time I called I was able to speak to someone right the way. I highly recommend it.