Discover Reviews

I’ve been with Discover 20+ years and then they married to Capital one! I went to make a payment to both my cards and I had it set up already to come out of my checking account but they took it out of a checking account that I share with my husband and that checking account was insufficient funds. So then the my bank charged me $50 for insufficient funds and so I was fed up with that. When I called Discover card, a young girl answered. She had nothing to say, no apology. I decided I was going to take a 0% balance transfer offer that I received through another card and I paid off the complete balances on both my Discover cards. I occasionally monitored my account for three weeks to make sure that my accounts still continued to say 0 balance and on August 21st I get a notification, That on one of my Discover/capital one cards there’s a balance of $38.00. This is credit card rip off!!!!!

I bought a World cup ticket from Stubhub and never received it. Called them several times for a refund and was told they will investigate and get back to be within 3 days. I called again 12 days later and was told the same. Disputed the charge with Discover with all evidence provided and they still sided with Stubhub. Do not rely on them to be your advocate in these kinds of situations. A terrible credit card indeed.

Never had an issue in my 10 years with Discover, and on the first dispute when the merchandise took my phone and never gave me my service, they immediately stand with the merchandise, never going to use them again!

Discover continues to harass me with "prequalified" offers that I get denied for every single time I apply, despite my credit score being well over 700, and making close to $100k a year with a low debt-to-income ratio. I have completed the credit bureau opt out form on a different website but wanted this complaint to be documented here. The bait and switch of sending offers to women of color, only to quickly deny their application and damage their credit in the process is insidious and likely sponsored by someone named Thiel or Ellison.

I have been a customer of Discover for over 20+ years; with balances in excess of $20.000 at times; always paid prompt & well over the minimum payment. I made 1 chargeback for trip insurance; whereas I have cancer & was required to undergo treatment. This is clearly an acceptable reason for trip insurance. Unfortunately the travel agent I used was extremely unprofessional & unhelpful. I was at my wits' end, so I filed a dispute. My dispute was denied. If this is the way you support your long time good customers, I’ll gladly take my business elsewhere

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 subscriber's 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.

Now that Discover Card is now Capital One Bank. I will stop using the Discovery card. I am not a fan of Capital One for good reasons. I have had issues that caused me pull away from them. I have two Chase Cards, and I will continue to use them.

I had a dispute with a car rental company, sent all the receipts and info to them twice, they sided with the car company. I owe them $130 dollars. I am paying them off and closing the account; never again.

This review is actually about Capital One. I have been a Discover cardholder since 1986. I loved that all of their customer service reps are US-based, and even give their location when you call. I have a lot of my bills auto-pay to my Discover card. I have benefited greatly from the cash-back rewards. I was glad to have my Discover card in my wallet and used it for almost everything. It was the only card I took with me when I traveled. Recently I learned that Discover has been acquired by Capital One. If I had wanted a Capital One card I would have applied for one. When I contacted Capital One I was told they cannot guarantee the customer service centers will continue to be US-based. I am not confident they will continue to give me 1% cash back, and 5% quarterly cash back. Discover took care of my charging needs for 40 years. Now, I need to find another card, because I don’t want to give my business to Capital One.

I've been with Discover for 15 years, never missed a payment. Or ever been close to being maxed out. My credit limit went up to $14k. I’ve even borrowed $50k from their loans and repaid it back with no problem. Here recently, I understand, went a shoulder surgery and was really needing my card to help get me through, and since I had such a great relationship with them, I applied for another low-interest card with them and not only was I not approved, which was fine, but they cut my credit limit on my 15-year account. So much for appreciating my 15-year commitment. They don’t value their customers, so don’t waste your time with this company. I will be leaving them regardless of how it affects my credit, and I will make damn sure everyone knows how unreliable this company is.

Discover are crooks. They do not protect the account holder. I was charged in error by merchant, and the merchant went on the phone with me to Discover to say that the amount needed to be refunded, but discover not only refused to refund the charge for which I received no services or merchandise, but they also declined to refund any of the interest for this disputed amount. Discover is holding me liable for something that I should never even been charged for. And again, the merchant was trying to refund it to me, but Discover would not allow it. They’re more interested in the interest in fees and don’t care that what they’re doing is unethical.

Discover card is fraud company. They over bill and when we have merchant (flying solo) dispute they send letters saying the dispute was settled in merchant's favor who never signed any contract, never gave any services. The project was due on October 2026 but services were already cancelled in May of 2026 itself, I sent disocver proof showing the contract was never signed by either of parties hence money should be returned but they told me they gave the money to Flying Solo and even argued with me and told me there I nothing they can do about it,

When Discover was presented an opportunity to have my back as their customer and a responsible consumer, they instead sided with a fraudulent company during a transaction dispute.

My bank replaced my ATM card with a debit card from Discover. This was done without my permission or my knowledge. I didn't want a debit card, so I asked the bank to set the spending limit to zero. Some months later I received notice from Discover that my card # was used in an attempted act of fraud. I had my bank shred the card. Before my bank did this I had never received any promotional mail from Discover. After, and continuing today, I get mail from Discover at least once per week. I will NEVER deal with Discover again.

I’ve been using Discover for a long time, and then one day they suddenly decided to lower my credit limit for no reason at all! I’ve spent years making on-time payments and using less than 30% of the card's limit, yet without any warning, they decided to cut my limit by over $10,000! I wouldn't recommend them at all! Customer service doesn't even help you! They treat their customers very poorly!

I found this site after looking into other customer experiences with Discover. I had a terrible interaction with them a few days ago and after researching found that it has to do with the Capital One merger. Heartless company. I was a faithful Discover customer for 12 years. After the merger, my card was suspended as I was only making the minimum payments for several months due to some financial hardships. I went on a payment plan and wanted to pay the card off so refinanced my home to pay down debt and paid off the Discover card. My card remained unusable and the rep told me a few months ago that because I am considered a risk, they will “see about reinstating me” but either way I “will have to reapply”. I told them I had been a customer for 12 years with a spotless record until recently. The rep could care less and seemed trained to read a script and kept repeating the mantra. I called back and cancelled the card. Good riddance.

Discover has gotten terrible since capital one take over. The agents are given a script to read when you call in with problems, or so it seems. They use a 3rd party to send codes to verify log in info. They have a phone # that I have not used in over 25 yrs which is a landline. Both bank & card sides have verified that one 1 (mobile) is in their files, so whoever is this 3rd party is, is pulling from who knows where. I have been with the card for more than 35 yrs and am now leaving; bank side not quite as long, but still leaving. Cap1 has no clue about how discover processed payments, etc. but is trying to make it theirs. If you have discover - get out while you can.

They get 1 star because I have to give 1. They are a fraud company These ** sued my mother because my dad died and she could not pay his card. Mind you it was his not theirs his after he died and her income was cut in half. They demand 209 a month. Now she has no money for food. Thanks Discover now 3 people will starve because of your greed. Funny thing is though when she starves to death you get no more money. You could have easily dismissed it, but know you prey on old ladies you heartless selfish **.

I received a credit card from Discover approximately a year ago. I kept it for emergency purposes only. I was never made aware that if you do not use the card yearly it will be canceled which affects your credit score and it did mine. Second, if you want to reopen your account, you have to reapply and again, we'll take another hit to your credit score. I do not appreciate this fraudulent act on my credit report. Due to I'm in process of trying to purchase a house. I will not be sure you to discover and I'll be making sure that all my friends and family are aware of this fraudulent act

I was scammed by a T Mobile e mail I received. Had $412.00 charged to my Discover card. Discover has done nothing to help me stating I gave the scam my card. I am cancelling my card after over 40 years. Discover should be ashamed of their company!

I have been a Discover customer since they started in 1985. All those years, they were a great company to deal with till Capital One bought them out! They are now Horrible. It used to be that if you called them, there was never a wait. Now you can wait for long hold times to get to a person. I had a dispute, and they told me what they wanted, and I did it. Then they said it wasn't enough. I asked them if they reached out to the company that I had the dispute with, and was told NO! I said wouldn't that be a good idea and was told maybe, but we're not doing it. So I am out over $500 without a resolution.

Discover advertises “Cashback Rewards” but when you try to redeem your rewards for cash you are denied. They will offer you a statement credit or gift card but not actual cash or an electronic deposit in your bank account. It’s a shame that they can falsely advertise this in every commercial but not have to follow through on their promise.

I am so disgusted right now with Discover. I wanted to pay my bill with the automated system and apply my cash back to my bill. Come to find out it's not applied yo my current bill, not applied to next month's bill...it won't be applied for 2 months!!! And of course, they wouldn't reverse it either. Why would they do that?! Horrible customer service! This is the second complaint I've had with this company and customer service. 😡😡😡

We have had a very, very poor experience with the Discover fraud department. We were scammed out of $3,000+ at a business in Cozumel, MX. Our Discover card was presented to purchase some cigars, but the business said the card was declined. Nothing was purchased or signed for using our Discover card. We were on a Disney cruise and already back on the ship when we received a notification that $3,000+ had been charged to our card. We disputed it immediately, but could not return to the business as the ship has already left Cozumel. We did report to the ship’s security department.

Discover allowed PlayStation to continually charge me $88 for at least 3 years, off an expired card number. I had recently activated text notifications for my card, and was alerted to the newest charge. I contacted Discover to let them know, this was not me, I haven't had used a Playstation account in 3 years, and they said they had to let the charge go through before disputing. I only disputed the newest $88 charge, however Discover decided I needed to prove to them I no longer had an account. And to trust that NEXT year, they'll disallow the charge. Member since 2010, never doing business with them again.

I wanted to give a huge shoutout to Francis from Arizona for being absolutely amazing! She was incredibly helpful, knowledgeable, and genuinely so fun to talk to. From the moment we got on the phone, I felt like she really listened to my needs and made sure everything was taken care of. She was patient, informative, and clearly knows exactly what she’s doing. Honestly, the phone call was not only helpful, but super enjoyable too! Francis made the whole experience easy and positive, and I truly felt taken care of. She deserves all the recognition (and honestly a raise!) for how wonderful she is at what she does.

After my elderly mother's card was spoofed or cloned or copied or whatever the term is, I had to empty my savings into her account to cover the expense because customer service was no help at all. This happened about 3 years ago, and I am still recoiling and recovering from their failure as a company to honor their promised anti-fraud agreements. When they did agree to refund part of the expense, they mailed a check--a paper check--which took time to clear the bank! They sucked the money out of her account INSTANTLY but, when it came to returning a portion of the funds, they mailed a PAPER CHECK with FULL KNOWLEDGE that was going to be an inconvenience. Talking to customer service was a nightmare. First, every person I spoke to was a woman which, in itself, is not a bad thing. But none of them really seemed to be able to follow what I was telling them:

They offer to their customers $$ if they refer someone. Received the money BUT they signed me up for the wrong card. Even though it's their mistake they want me to apply for another credit card and hit my credit record! Each time you call you get the nice, sweet, kind, etc person BUT different answers! Very disappointed in them and can see (of course) it's all about the money, don't care about YOUR credit record.

They refused my dispute and refused to send back my money. I proved to them the product was returned and had money back guarantee. It we mailed back certified mail. It was returned timely.

Terrible company whose buggy website made me waste all my cashback. Should have stuck to points cards and not given them my business. Will be cancelling. They don't value their customers and will do nothing to help you if there's a problem. Give your money to better companies.

This CC company is horrible! If you get scammed by a company they will allow it with zero proof. Avis car rental charged my card 344.00 saying I damaged the car and Discover sided with Avis. I don’t trust this CC company to charge anything anymore period! When I turned in the car it was inspected and I was given my deposit back then about a month later I got charged for bogus damages! I was in disbelief that discover sided with this type of fraud!

I am writing concerning a complaint about one of your customer representatives, CLAUDIA. I called 5/13/26@ 9:15 am. I have been a member for years and love Discover and have ALWAYS had wonderful service except for today. CLAUDIA was very SHORT, RUDE and very unprofessional. It is evident she does not like her job!!!!! She got VERY IRRITATED when I asked a few questions. These type of incidences with reps are what drive customers away!!!!!

Just minutes ago at circa 10: 15 A.M. PST I phoned 800 347-2683. The purpose? To obtain a Re: Re: Aiming to obtain easily money from one's extant cash back balance. Today, 5-9-26, I phoned customer service and first I asked that a check in that amount be posted to me (at my mailing address of record). After being put on hold for several minutes, I was told Discover "no longer does that." Even though previously when I had a Capital One (which bought Discover earlier) credit card account I was mailed a check for cash back monies owed to me.

I fell behind on my payments and discover offered me three options to get my payments back on track, but if none of them worked for me, they gave me the option to reach out to customer service via messaging to see what other options they had. I unfortunately was connected to Robert, who never offered me any payment plans.

Made a large purchase for haircare services. The merchant absolutely destroyed my hair and refused to refund me and I couldn't even rely on Discover to support me. Never making important/large spends on my Discover ever again and considering closing the account just because of the terrible customer service.

Terrible customer service. There was fraudulent activity on my card and Discover denied my dispute. The activity took place over too long of a period for them to say it was fraud even though the charges weren't authorized.

For disputes, they favor in side with the merchant and not their loyal customer. They told me that as long as the company has a “no refund” policy, they can’t do anything to help me with a dispute because they have to follow the merchant's policy. Even if the product is not what I ordered and they scammed me out of money. So much for them protecting me against scams. I will never use Discover again and I just lost out on a lot of money because of their lack of customer protection.

I had part of my foot amputated and Discover was actually willing to help lower my bill.

I just signed up for the Discover card 4 months ago. The billing cycle is exhausting. The billing statement and the payment date are 4 weeks apart. So I pay my bill and get another bill 3 days later! This results in always having a full month of charges on my card balance at all times. That results in basically having half of my credit limit always used. I cannot pay the full account balance with auto pay and I cannot pay the Statement balance the day of the statement.

Customer since 2011. I had an offer for zero interest on a balance transfer, which I used and stupidly did not finish paying it off before the offer expired, which in turn cued up a 28% interest rate. I paid the balance off and noticed I had a small amount of rewards to cash in, so I chose the cash deposit to my bank account option.