Discover Financial ServicesReviews of discover.com

discover has never listened to my complaints about getting mail. they refuse to use their secure message center for anything other than statements. since they merged with capital one, their service has gotten worse. i recently received 2 letters regarding cd's that are not due until dec & feb. i had written in requesting a reason for this and they only stated that "they are required by law to mail these". but, they could not explain WHY i had gotten these 2 letters (for dec & feb) in AUGUST. they blamed it on the 'system' for sending them out. the thing is, i have had these cd's for about 13 years. are they insinuating that i am too stupid to know what a cd is and what to do with it? i will be leaving discover bank now especially since C1 is in the process of completing the merger. for the record, i have proven to them that through Fed Rules & Regs, it does NOT have to be mailed since they have a secure message center. as for the booklet for the cd's, unless there are major changes to the terms & conditions, only the new changes should be listed and sent through the message center. this company/ bank/ financial institution has been talking down to me a lot more lately, which makes me happy to find another online bank that is TRULY online.

Recently tried to dispute some charges from a company I never subscribed to. Couldn't submit any documents because what do you submit to prove absence of something? The company submitted documents that showed the subscribers name, email address, physical address, and phone number; none of which match my information. Yet Discover decided that that was proof the charges aren't fraudulent and closed the cases in their favor. The person is a different gender, lives pretty much as far across the country as possible from me, and the last 4 digits are from an old card that I renewed about a month before the first charge, but apparently they just keep letting charges on the old number linked to my account go through. Guessing they just use AI to "resolve" issues, because no sane human being would look at charges for an account with 0 matching information and decide that they are the same person.

Having been with Discover for years, I expected better. My FICO score has taken a noticeable hit every time they evaluate it, dropping by up to 30 points, which seems excessive and unfair. I reached out to customer service multiple times, but they always direct me to the credit bureau. It feels frustrating when other services don’t affect my score this way. While I appreciate their customer support, the scoring issue has made me seriously reconsider my loyalty to them. I just can’t overlook this anymore.

Due to a Capital One account my account has been closed.

I am filed a complaint against Discover Financial Services regarding the mishandling of a payment made to my Discover credit card account. I have been a Discover cardmember since August 2019, and this is the second time I have experienced this same issue during my membership. On July 6, 2026, I made a payment of $5,045.14 to my Discover credit card from my checking account. The payment cleared my checking account on July 7, 2026, and the funds were successfully withdrawn. Despite the payment clearing my bank account, Discover did not timely apply the payment to my available credit. My Discover account has a $13,000 credit limit, and after my payment, the system showed an outstanding balance of $8,000. However, my available credit was not updated to reflect the cleared payment. As a result, on July 13, 2026, my purchase transaction in the amount of $42.38 was declined because my available credit had not been properly updated, even though the payment had already cleared my checking account six days earlier. The fact that this is the second occurrence of the same issue since I became a Discover cardmember in August 2019 is deeply concerning. It suggests that this is not an isolated incident but a recurring problem that has not been adequately addressed. Equally troubling is that Discover made no attempt to notify me that there was a problem with my payment. I did not receive a phone call, text message, email, or any other timely communication that would have allowed me to resolve the issue before my transaction was declined. Instead, I learned there was a problem only after my purchase was denied, causing unnecessary inconvenience and embarrassment. After contacting Discover regarding the declined transaction, the representative proceeded to tell me that I needed to be on the phone with them to verify the funds for the payment, when the funds had already been drafted from my checking account. I believe it is unreasonable for Discover to withdraw and retain my payment while failing to timely credit my account or make my available credit reflect the cleared payment. Consumers should not have funds withdrawn from their bank accounts while simultaneously being denied access to the available credit those funds should restore. This repeated failure raises serious concerns about Discover's payment processing and customer notification practices. I respectfully request that Discover: • Provide a complete explanation of why my payment, which cleared my checking account on July 7, 2026, was not reflected in my available credit by July 13, 2026. • Explain why my $42.38 purchase was declined despite my payment having cleared my bank account. • Explain why I received no phone call, text message, email, or other notification regarding this issue. • Correct any fees, interest charges, or negative credit reporting related to this incident. • Explain what steps Discover will take to ensure this recurring issue does not happen again.

Do not buy large ticket items w Discover, they have no consumer protection and will side with the merchant even if the wrong color item is shipped. I had no idea they would treat me like this. Be Warned

Discover are thieves . Merchant created a loan in error and said they would refund the money but did not. dispute was placed and merchant said they would refund the money, but Discover denied the refund even though the merchant verbally told Discover that I was owed the money, Discover refused to refund the money that was due to me. not only would they not refund the money for services or products I did not receive they also would not refund the continue interest that they’re charging on the fraudulent charge. Discover are crooks.

★☆☆☆☆ I have been a Discover cardholder since 2010. This review relates to a credit card dispute involving a hosted online publication service that was originally published and later became inaccessible. Documentation was provided showing the original publication, archived copies of the publication while it was live, evidence that the publication later became inaccessible, and evidence of multiple attempts to contact the merchant without response. During the dispute process, questions were raised regarding how a merchant-controlled hosted publication should be evaluated once the publication is no longer accessible and the merchant is non-responsive. Additional documentation was requested and provided. The dispute was ultimately denied. The matter was subsequently reviewed again through Discover's executive review process and through the CFPB complaint process. The final response reaffirmed the original determination. My concern is not limited to the outcome itself. My concern is that the final response did not identify the standards, policies, or criteria used to determine that the service was fully delivered despite the later loss of accessibility, the merchant's non-responsiveness, and the absence of any identified policy governing hosting duration or continued availability of the publication. Consumers may disagree with the outcome of a dispute. However, transparency regarding the standards used to evaluate the dispute is important. In this instance, I did not receive a substantive explanation addressing the primary questions raised during the dispute process.