Discover Financial ServicesReviews of discover.com

I have had a credit card with them for exactly 10 years, and always paid on time. I paid off my credit card back in August 2025. The remaining amount was interest fees ($31), so I assumed that this was finally paid off, so I removed my auto pay because they will take money out of your account even if there is no balance owed. I checked my account today (January 2026) and they have been charging me a late fee with NO NOTICE, which was $200 in late fees - I have not received any emails, any notifications in my mail, NOTHING about this. I called asking for a one time courtesy to remove these fees and I'd be happy to pay off my balance immediately, and unfortunately they will not waive fees. Shame on you Discover. I have now closed my account as I can't stomach giving this company any more of my money as I am sure they have already made thousands off me throughout the years, they should give customers a one time courtesy on this, especially when there is no notification. Very sly and disgusting. My mother is also cancelling her card here as well because of this.

I was charged on my credit card without activating it. After disputing it with Discover, they sided with the vendor. It seems that Discover tends to side with their vendors over their customers they have had 10+ years over a few hundred dollars.

This is not an exaggeration - I have had to verify my identity with my passport probably 20 times now. Just making the account was miserable. Doing anything with this bank feels like rocket science because it's all so difficult.

I charged an expensive auto repair to my Discover card. The repair was done wrong, a total waste. I tried to file a dispute with Discover. They labeled the dispute as fraud, as though on my part, and immediately canceled my card, though it had never been out of my possession and was no risk. Two different Discover "account managers" were unhelpful. One said she did not know how to help then suddenly her earpiece failed. The second had the first rep's notes but tried to claim he didnt. End result...no help.

Jan. 15, 2026. Customer service phone rep. Marissa did a excellent job of walking me through the bank app(discover bank) & helping me find whatever I needed!

Customer Service is The Worst...After of months trying to correct the errors made by Discover I sent the below email recently to the Executive Team (I use Executive Team Because that is what they "pretend" to be) Email goes like this...."OK...it is truly sad that I have to keep addressing this unfair situation but this needs to be said ...Discover showed zero compassion during a serious medical crisis. Discover showed minimal understanding towards me....THE CUSTOMER. Discover Loans demonstrates a Total Lack of Empathy and a complete disregard for Customer Service. This experience with Discover has left me deeply disappointed. It is unfortunate that Discover Loans prioritizes financial gain over the well-being and health of its customers. Discover clearly puts money and profits over real customer service. I deserve a much needed refund!!! I left my number for the CEO many times and he does not have the goodness in his soul to return emails, letters, phone messages. Multiple emails were all ignored by the CEO. Guess he is too important to interact with the customers that made him very wealthy. Embarrassing and Shameful behavior to say the least...Shame on you Discover!!!!

I had done a blanace transfer through Discover before and then accepted a 0% interest rate offer again. This time the rules changed and they are charging interest on any purchases beyond the balance transfer - what?! Rep said they apply the funds to lowest interest rate now - again, what??? I'm transferring all autopays off and cancelling card as soon as it's paid off. Talk about predatory!!

If you get scammed by a fake company, they do not care if you have the proof and they will not refund you because you “authorized that payment”. They will also not allow you to close your account, even if you have one penny in your account. They will have to mail you a check for one penny. Absolutely ridiculous and I do not recommend banking with Discover.