Discover Financial ServicesReviews of discover.com

95% of the time I am unable to login to my online account. Don't believe tech support when you are told that it is due to a VPN service. I am able to login to my account through my IPhone and IPad - both of which have strict VPN services. Take my advice do not apply for a Discover credit card. You will have issues after issues after issues! Save your sanity!

This has been the most disappointing experience I have ever encountered. I purchased a lifetime subscription, and after being charged, I discovered that the service provided did not match the description advertised. The quality of the service was extremely poor, which was the opposite of what was promised at the time of purchase. When I attempted to dispute the transaction, the dispute team informed me that they could not assist because the merchant had provided terms and conditions that I had agreed to during sign-up. However, there were no terms or conditions stating that I would be required to pay for services that did not match the advertised description. This experience was truly frustrating, as I have never previously been denied a chargeback by other banks when the quality of a purchase failed to meet reasonable expectations. This will be my last interaction with this organization. If you value your consumer rights and expect fair treatment, I strongly recommend considering a different bank for your financial needs.

A primary reason for my establishment of a bank account with Discover was to utilize Zelle. I consistently receive a message stating my account is ineligible for Zelle because it’s less than 90 days old or for some reason that is confidential. Zelle has been contacted and relates no issues on their side and that Discover is the only one of their 2000+ customers that utilizes these business practices. Discover seems to be keeping some esoteric information inaccessible to customers which denies them access to this service and email exchanges with their customer service personnel ended with them saying they were sorry but they couldn't share why I couldn't use Zelle inside their account. What an insane business decision based on some obscure and unaccountable matrix! Maybe the new bosses at Capitol One will "discover" the policies and make the necessary changes.

If I can write 0 in review, I am ready to do that. Worst experience with discover loan. Uncompetent staff, bad communication and never remember service.

‼️ ALERT!‼️ If I can give a zero. We reported a fraudulent use of our credit card DISCOVER the same day that happens, for over $4,000 US dollars but the fraud department believed the scammers and gave our money to them. They didn’t want to take out the transactions, now we have to pay from our package this amount bcs DISCOVER don’t have any protection to the customers. They rather like to get the benefits to the scammers. PLEASE DONT USE THIS CREDIT CARD COMPANY IF YOU DONT WANT TO REGRET LATER.

Two years ago, we secured a home equity loan from Discover Financial Services. There were some wonky things that happened getting the loan, which should have been my first red flag. The major contract I was working on ended and for a year as I've rebuilt my business, there has been no income. I was proactive about the cash flow decrease and called to set up arrangements for forbearance or some kind of reduced payment plan. I don't have the patience to write all the repetitive times I had to submit the SAME information, or the lack of communication or response from them. The people who field the calls at loss mitigation save for one, have been great, and helpful with information. But the loan processing side doesn't communicate what's going on, what stage of the process you're in, or even do the basics of responding to an email. We made the trial payments arranged while they are restructuring the loan, and were told after those payments, they would send us the new payment plan. We did not make May's payment because we had no direction on how much to pay. No plan, no communication. THEN, we got a bill for $1224 with an overdue amount of $444. I'm no math major, but NONE of these numbers added up. The loss mitigation dept. had no record of this communication or those amounts. Apparently, that letter came from collections. But I was told that collections doesn't talk to loss mitigation. WHAT?! The statement does not reflect the partial payments or that a plan is even in place. Ridiculous. Here's what is blatantly obvious: There is NO cross -communication between departments, their system doesn't show the front-line workers what's happening real-time with the account and the right hand simply doesn't know what the left hand is doing. AND unless it's the original payment, you cannot pay online - payment must be snail-mailed or by phone. This company has provided me with the WORST customer experience EVER! As a comparison, when I called Wells Fargo about arrangements, they set me up on an 18-month forbearance within minutes. On the phone. No paperwork. DONE. The Discover Card experience is 180 degrees different from the home loan division. Quick, helpful customer service, easy repayment plans, pay online. By the way - they really don't care about the feedback, because if you check how they use Trust Pilot, they haven't claimed the company, and in a 12 month period, have never responded to ANY reviews. It validates the negative reviews they've received! As for Discover Home Loans...RUN, FORREST, RUN!!!

Re: Discover Savings account: I wanted a high yield savings account because my banks interest rate was lousy, and I wanted my money to work for me. Shortly after opening my Discover Savings account, I noticed my SSI disability money had disappeared. I need this money to pay my rent! After some desperate investigation, I found out my money got transferred into my Discover Savings account without my consent. Obviously, some automatic transfer must have been set up accidentally. I certainly would never have done this to myself. I called their customer service line, and the agent fixed the error. Or so I thought. Last month (April 2025- Can't recall the exact date), the same mistake was made, putting my bank account in the red. Thank goodness my husband was able to transfer me the $5 I needed to correct my balance. After this SECOND oversight was made, I did the right thing to protect my money and my mental health by transferring my money from my Discover Savings account back to my bank. I won't be earning any spectacular interest, but at least it's somewhere safe until I can find another high-yield savings account. Unfortunately, this horrible experience makes me reluctant to do so again- understandably so. I'm not going to bother saying how this company could improve their service. They KNOW what they need to do. But will they implement those changes? THAT is how they can demonstrate that they care about their present and future customers.

I wish I had read the reviews on trustpilot.com before doing business these lower financial life forms! They reported to the credit bureaus that I closed the account and omitted the fact that they wouldn't let me use the card they were going to give me. They also held my Security deposit 42 billing cycles even though the car was never activated. Steer. clear this place