Discover Financial ServicesReviews of discover.com

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.

Discover sent me two emails: the first, saying I'd get my card within 3-9 business days. The second, saying I'd get my card within 1-5 business days. It is now 9:48 pm on the 10th business day since the first one was sent, or 6 business days since the second one was sent. I called customer service on Friday (the 9th or 5th business day, depending on which email you base the time off) and was told that if it wasn't here by the end of tonight, to call customer service again. I called customer service again, they told me that I should have received a cardmember agreement in the mail and only AFTER I signed that, would the card ship out. They said that since that has not arrived, I'm still within the time frame. So, they originally promised I'd get the *card* within 9 business days, and yet I haven't even received the precursor *before* the card within 10. I live in a very safe neighborhood, where not a single instance of porch thievery has happened to me or my neighbors since we moved here 5 years ago. I also double-checked with three different customer service representatives that my address is correct. If I were told 3-11 business days, this wouldn't be an issue, but the false promise makes me distrustful of this company. Since the card was approved but not activated yet, I may just apply to a different bank that I can trust more than this.

Our horse had an emergency vet bill so we used my wifes Discover card for the charges and it triggered something. The very next day we received a phone call from discover questioning our finances and identity. We've never had a missed payment even though our business was destroyed by hurricane Hellene. And we got no help from FEMA or the SBA, or anybody..... They told us we needed to send them notorized copies of our bank statements of they will close her account. I don't think we need to kiss a credit card companies ass to have their card. So I let them close it. Then A week later Capital one bought them. I can see a lot folks on here talking about retaliation and I can believe it. So I canceled my card and I will no longer accept Discover at my business. You treat customers like the enemy, eventually you run out of customers.

good credit card rates

‼️ 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.