Discover Financial ServicesReviews of discover.com

If I could give zero stars I would. Discover does not care about their customers, even if their life and the lives of their family members may be in danger. Someone started stalking me and my family members and while I was dealing with the police, the lawyers, etc. I missed a payment. I wrote to Discover about the situation and to ask for a Goodwill Adjustment so the late payment wouldn't show up on my credit and even included evidence like the police report, letters and invoices from my lawyer, etc. What I got back was a disappointing and insulting letter that only contained four sentences, " We cannot make the requested courtesy adjustment to our reporting on your account. We are obligated to report accurate account related information to the major credit reporting agencies. If you believe that the information we reported is inaccurate or incomplete, please write us. We're glad you're our Customer and we want to make sure you have the most rewarding relationship with Discover." For starters no concern or empathy was expressed about my situation. Second of all, if they did a simple google search they'd see that credit card companies can make courtesy adjustments and telling me it's something they cannot do is an insult to my intelligence. They can do it, they just don’t want to. Considering I also missed a payment due to a life threatening situation I feel like what they reported doesn't accurately represent what was going on at the time. I wrote to Discover and told them that and, again, got the same letter with the same four sentences in return. Word for word. Don't feel like they even looked at all the evidence I provided in the first place, or the second letter I wrote, and they just automatically said no without even looking at it. I do not plan on continuing my "rewarding" relationship with Discover and I suggest that anyone thinking about getting a credit card through them reconsider. They don't care about anyone but themselves and they sure as hell won't do anything to help their customers. Prior to this I had not missed any payments.

I have used the Discover cc for years, decades , actually and have never been so disappointed as I have been since they let Capitol One take over. I do not like, have never liked will not sue Capitol One. If I cancel the card boom my over 800 consistent credit score will be affected even though I do not maintain a balance. The card is going into the file cabinet drawer never to be used again. Capitol One is a horrid company!

I finished the payment on my personal loan on October 2nd. I immediately called for my overpayment of $1340.52, and I was told that I would receive it in 10 days. Today, October 15th, I called to find out about my overpayment, and they told me that I would have to wait another 12 business days on top of the 13 calendar days that I already waited. I find this unacceptable because they have already made enough interest on the personal loan. I will never again take a personal loan from Discover, and I won't recommend them to any friends or family. members.

My experience with Discover Financial Services has been extremely disappointing, particularly in how they have handled a payment arrangement I entered into with them. I entered into a payment arrangement at a reduced interest rate with a fixed monthly payment and set the account up for automatic payments from my checking account. I have made every payment for more than six years without missing a single one. Here is what I find particularly disturbing: the original balance was approximately $9,000. In more than six years, I have paid Discover over $12,000 in interest, yet I still owe approximately $7,800 on the account. I have paid more than the original principal in interest and have barely reduced the balance. Because the card was no longer active, I no longer had access to my previous statements through my account. I also believed I was complying with the terms of the payment arrangement I had entered into, so I did not have reason to believe there was a problem. I certainly had no reason to believe that making the agreed-upon payments would result in a $9,000 balance taking decades to repay. When I raised this issue with Discover and asked them to consider a reasonable adjustment to the interest I have already paid, their response was essentially to point me to what they refer to as the generic “minimum payment warning” on the statements. That response was not only dismissive of the circumstances I repeatedly explained, but felt remarkably condescending--particularly given that I no longer even had access to those statements. I was not simply making minimum payments on an active credit card. I was making payments under a payment arrangement that Discover had established with me, at a reduced interest rate, and I faithfully complied with that arrangement for more than six years. At this point, I consider the outcome of this arrangement predatory. Paying more than $12,000 in interest on an approximately $9,000 balance while still owing nearly $7,800 after six years is, in my opinion, an unacceptable outcome for a consumer who has never missed a payment. I am not asking Discover to forgive the principal balance. I am asking for a reasonable adjustment to the substantial interest I have already paid so that I can pay the remaining balance in full and resolve the matter. Instead, I have been passed through the complaint process only to be met with condescending responses, and left without any meaningful resolution. The experience has left me with serious concerns about Discover’s treatment of customers who enter payment arrangements, the lack of transparency surrounding the ultimate cost of those arrangements, and what I believe may be an abusive use of lending practices. Based on my experience, I would not recommend Discover Financial Services. I expected considerably better from a major financial institution.

Discover has no compassion for the customer who's struggling with health issues and couldn't make the payment on time. Nope they've got to have their late fee besides the payment never dealt with such a greedy company for their late fees. Charging ridiculous interest rates not enough for them they got to be greedy and ask for more. I'll pay their late fee but I hope they choke on every penny of it. Greedy corporations are the problem in financial world. Company policies are excuses for showing no compassion for the customer.

DISCOVER CARD UNFAIR BUSINESS PRACTICES I am being harassed by Discover Card, which after finally finding a dispute in my favor and sending me a check, has reversed its position yet again—this is the fifth time—and debited my CLOSED account for the amount of the purchase. The merchant had originally misrepresented the product with outdated photos on his website, deceived me into returning the product for a refund, then later claimed to Discover that he had a "no refund" policy, and lied to Discover about having issued a credit, which he did not and which I would not have accepted in any case. The issue is no longer the merchant, but the Discover Dispute Team, which after months of waffling, continues to send me unwanted statements, now showing a balance due of approximately $113 that amounts to Discover colluding with this merchant in the commission of fraud. The only reason Discover has offered for again finding in the merchant’s favor is that the merchant has a “no refund” policy on his website, which is irrelevant to the dispute. No policy is a license to defraud. When questioned on this unjustifiable decision and the back-and-forth over the course of these many months, they claim the case is “in review.” At this point, I regard Discover Financial's continuing to send statements, illegitimate claim of a chargeback to my closed account, and constant reversals of its dispute decision in this matter as harassment, a serious and ongoing violation of my consumer rights, and an appalling failure to protect me against fraud and respect its own dispute decisions at my expense. They need to restore my closed account to its rightful zero balance, mark the dispute case as (finally) closed, and stop sending me statements or any other communication.

My wife and I have held this card for 15 years and kept a decent payment history where Discover kept increasing our limit $17,000. We actually maxed out the card last year and paid it off this year a few months ago. I just called to request a rate reduction from our 27% rate. We were told "There is no interest rate reduction available for your account. We must send you a rate reduction offer. You can no longer request a rate reduction, but Discover will reach out when one is available." We won't be holding our breath. WHUAT!!?? We have been customers for 15 years and paid off $17k in debt and we are not worthy of a rate reduction from 27%!!! Terrible customer service, horrible policy on working with long time card holders (no loyalty for loyalty) and the interest rate at 27% is highway robbery. DO NOT RECOMMEND THIS CARD OR COMPANY.

I have had two terrible experiences with Discover. The first happened in June of 2023 - I returned an item to Ace Hardware and Discover ruled in their favor even though I am a professional with many years of credit history with Discover and impeccable credit. Long story short, the Ace Hardware closed due to terrible customer service/management and I lost $657.05. In April of this year, Discover charged me interest even though my balance was paid in full with two credits and a payment. This company is horrible - I can't believe Capital One (I am also a long time cardholder with them) bought this horrible credit card provider. User beware - they clearly don't value their customers over fly by night business owners did not apply a credit as a payment even though I paid the original charge!!!