Consumer Complaints and Reviews
BEWARE... Do not do business with Discover! As a loyal customer of 30 plus years and having never had a late or missed payment in my entire life they refused an Apr reduction. It seems their main purpose is to take advantage of their customers rather than reward loyalty! Do not fall into their trap! When I requested instructions to close my acct they sent an email saying they closed it immediately. I will never do business of any sort with Discover again but they should have sent the instructions as I requested rather than close the account because they didn't want to hear from me anymore! And for the record my credit score is "excellent"!!
I have had a Discover card for many years. We have been loyal customers, which I found out only works one way. I called the card company to see if they could give me a better interest rate than 24%. I was told no. 3/4 of my payment was being sucked up in interest. I decided to pay off my **it card and take my business elsewhere. I called the people at Discover and told them to close my account because I had paid the full settlement amount. 20 minutes later I'm still on the phone asking to have my account closed, but Mr ** came then exclaimed the voice on the other end, we can do this and that for you. PLEASE PLEASE PLEASE close my account. They finally agreed. 2 weeks later I received my Discover card bill with 57.00 in interest charges for a account I asked them to close. This soap opera continues. Tune in next week.
Discover sucks! I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for $475. I initially filed the dispute because it was taking the appraisal company too long to send the documentation, even though as I have stated to you that I never needed the appraisal in the 1st place because I already had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way Reliance agreed to cover the costs as stated in the email that I sent. I get a notification from Discover saying that the case is closed and the merchants favor. I get this and call in on the week of 12/19 to reopen the case and it is a hassle to get the case open which I don't really understand. I am advised by your CSR to submit documentation showing that Reliance agreed to pay which I do.
I called in on 12/28 to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that Reliance states in the email uploaded that I am getting cash back. I refuse to reopen the case unless I provide documentation showing it which I have at this point. First and foremost I don't understand why it is such a hassle to put something in dispute in the first place it is nothing like AMX's or other credit card companies' dispute process. I feel like you have to fight to get a dispute opened or reopened. Discover needed adapt AMX's or other credit card companies' dispute process/methodology. This is because it reopened I am not on close my account. I am getting our family attorney involved.
After having a account since 1987 with Discover I must have recently missed 1 payment because I never got it in the mail. Snow or my husband death last month. I have over a 8.5 credit score. I called after receiving the bill today because of a extra $27 added on to a bill I never received. I didn't even know I had a bill. I never got bill or any bill for the last month from Discover. I called and was connected to a person called "Cody". I told this person named Cody I needed to know the charge, date and for what for. My husband died Nov 14, just 4 weeks before.
This customer service agent for discover called "CODY" told me he would take off the $27 charge (BUT I COULD NEVER AGAIN GET A DISCOVER CARD!). I'm sure this kid has not even been born before 1987. I asked to talk to a supervisor at least 4 times. He told me No It's the best he could do! I have a hard time understanding why your business does not value customers. Trust assured I will never or recommend anyone to get a Discover card again. What a joke you are! I have paid your fee online and you will never hear from me again. TRUST ME.
If there was a negative star for Discover, I would give it. After months and months (and MONTHS) of payments at exorbitantly high interest charges (20% +, they said they were "unable" to lower my interest fee), I finally managed to pay off my Discover card. Or so I thought. When I called and talked to an agent (who indeed gave me the hard sell on why keeping the account open was better) I was told they couldn't actually close my account, but merely "deactivate" it. By not actually closing my account, they create a workaround where they can still charge you just for having the account, because it never is actually closed, full stop. They continued to send me emails stating that I owed them $** because of quarterly fees. It took me at least 3 phone calls and 6 emails threatening them with legal action, before they actually stopped sending me notices.
This is not to say that they don't think I still owe them money, it's just that I refuse to do it, and they should grant their customers the right to CLOSE their accounts when they are fully paid off, period. Attached is what was sent to me AFTER I paid off/closed (or tried to) my account in full. What a sh*t way to do business!
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So I was fooled by their $0 fraud liability policy. I was easily approved for their card (Discover it) and had the card for about a year. Suddenly, after 1 year, my card was lost and someone used it to book for a Skydiving adventure in Colorado ($435) with a scam company called RushCube. I live in Pennsylvania. I was promised by Discover that they would take care of it. I thought they were honorable...oh boy I was wrong. After their investigation, that did not include talking with me. They decided to hold me responsible for a fraud I reported on time and was no fault of mine. Because of their recklessness, my FICO has gone down by about 60 points (740-686 now). They still harass me with phone calls every day asking me to pay for the cost of the SkyDiving I did not book nor enjoy. Please be warned, Discover will not protect you. Run away from them as far as possible.
They put an 8 day hold on my card. They have never done that because they are waiting for check to clear. I made payment online, money has been gone for days now, won't release hold. This is a secured card - which means this is MY money I'm using not theirs - even if I sent them a bad check and it didn't clear they still have my deposit and all payments have cleared since having card. Long story short, I might as well get my deposit back from these people because obviously they take your money then take away your access to it and don't care. Support was no help.
Discover card needs to be shut down. I personally suspended my account 15 months ago due high interest rates on the part of Discover card. Obviously Discover card does not want its users to use it. I have had the card for over 20 years. Yet they have treated me like a deadbeat. I have never been late in 20 years. They refuse to release the card 15 months later. Once again I did this on my own. It was supposed to be released back in August. I have not been given a reason for the release after calling and writing the consumer finance bureau. I can only Assume this is discrimination against a single mother! We need to boycott Discover! Disgusting card and disgusting service! A web page for Boycotting Discover card!
Back in 2014 I was ok with having a 8k limit and was able to afford it. Then Discover card took it upon themselves without my consent or signature raised my limit to over 10k. I didn't want to use it but had to due to loss of job and health reasons. Then I had noticed they were charging me 25% on cash advance and 20% plus other undisclosed charges on my account. I had checked the 0% checks for 12 months and had not been even close to the run out time. All I can say I had canceled my account with them. Never was I ever late over 30 days but was a few days late on two payments and now they are calling me to say they want to help me and belittle me into taking a couple percent lower than what I'm paying now. That is a slap in the face when the other cards that I have had for over 10 years never overcharged me and they worked with me to be able to decrease my interest.
So not sure where they come off at saying they're the best and won JD POWERS AWARD FOR THREE YEARS. Anyone can pay off someone to say nice things about them. This company is very crooked. They will cheat you at any time and say it's all your fault. Like I said I have 3 other cards I praise with customer service and was able to work with them and they were not money hungry creditors like Discover is. I brought up all their reviews and of course the good ones are always in front. They know how to manipulate the review systems, but go check out all 510 complaints against Discover and the thousands of bad reviews in the back that they try to hide.
They are a multi billion dollar company that takes advantage of the college students, elderly people, handicap people, and especially people that lost their jobs and have to take lower paying jobs and then they jump on that quickly and call you to tell you their concern and they want to help you by lowering your interest by 3% when Chase and credit unions give you 10% off and actually help you. The people at this company makes anywhere from 80k to 200k managers and the CEO makes 14 million a year or more for just answering calls to get you to sign up for direct deposit. Then if you do they take out whenever they feel like it. People we all must stand up to this giant and make them accountable for over charging interest rates, late fees to people that are suffering from this economy. Please read all the bad reviews and all the complaints and let's all get a petition signed and send it to the attorney general for caps on what they can charge.
Discover chose to close my credit card account because I had not made any purchases on it. Yes, it had been over a year, but they did not even inquire as to whether I was simply choosing not to use it. They just closed it! So beware, if they are not making any money/interest from you, you too may find your account closed FOR YOU.
It has taken us over a year and assistance from the Delaware Banking Commissioner to have Discover Bank release a Certificate of Deposit to my son who is now past the age of majority. False directions on how to do this, changes in requirements at least twice, bureaucratic obstinacy. Watch out for the document people in Utah! Do not know what they are doing. Meanwhile we have spent an inordinate sum of money and time to get money that was actually my son's released.
I saw an ad for a Sample a Wrinkle Cream. The ad stated they were looking for people to sample the product and that only the postage would be charged of a couple dollars. Request a credit card for the postage. When product arrived, I sampled it and believed it was the same as Walmart sells. At the end of the month, I received an invoice for my Discover Credit Card Charges. On it were two charges for $94.97 for the two different moisturizing products. My call to Discover was told they would remove the charges and notify the selling company. I received an email from Discover that the charges were removed.
Following month Discover Credit Card charged the amount back on my credit card. My call to them said they were told by the company that I ordered the product and did not notify them within the limited period that I wanted to cancel. She said if I did not open the sample, I could possibly get a refund. Discover felt that was an offer to credit my card, but obviously if I were sent a product to sample, how could I do that without opening the jar? Discover is a great credit card company for you who wish to perpetrate a fraud upon your customers. I have no choice, but to cancel my credit card with Discover in order to stop this Con as I have no control over how many times they plan to charge my credit card. Stay away from a Discover Credit Card unless you want every purchase you make be charged whenever the supplier requests money for whatever amount they desire and you have no choice in the matter.
I had a merchant DC Pro Movers fraudulently charge me and my fiance's card. They wrote an additional amount under the signed amount, under the line. My fiance had Chase Visa card and they ruled in his favor as did the courts. Discover ruled against me despite clear documentation that there was a manipulated charge receipt where the merchant wrote in an amount UNDERNEATH the amount signed for and underneath the original amount. I lost almost $1000 as a result. You cannot trust this card to protect your interests in a legitimate dispute with an unscrupulous, dishonest merchant. They will automatically take the merchant's side. This is incredibly dangerous because virtually any merchant who uses Discover can manipulate a charge to you and get away with it. I have switched to Chase visa now and one to close their Discover accounts before this happens to you.
I had a Discover Card Promotional 0% rate which expired on 5/27/16. The balance owed was $7010.00 at a 15.24% rate. An additional 0% rate expires 04/17. Once I use a promotional rate, I never use the card again for purchases. I have been paying well above the minimum payment, yet most of the payment has been applied to the Promotional rate, directly contrary to other credit cards (and to Discover Card's stated practice) of applying the minimum rate to the amount with the lowest percentage rate and anything above that to the expired rate. Consequently, I have seen the $7,000 amount rise to $7150.
I have filed a complaint with the Consumer Financial Protection Board and Discover Card responded with a boiler-plate explanation that simply reiterated most of the information I originally provided to the CFPB. I have provided proof that cards with higher rates have been applying amounts above the minimum payment to expired promotions, resulting in a consistent lowering of the interest-bearing principal owed. I believe that Discover Card deliberately applies most of the payment to the Promotional Rate so that when that rate expires, it can be tacked onto the interest-bearing amount, which has been increasing exponentially.
I would be interested in knowing whether anyone else has had a similar experience with Discover Card and if so, whether it was resolved. I will eventually pay off the card, but would caution anyone considering a promotional rate with Discover Card to be aware of what may well be a highly questionable application of payments made to expired principal amounts.
Discover card denied my purchase of gas because I went on a road trip and didn't get their permission first. My credit score is over 800 and I have used Discover card for over 10 years. They let me use the card a couple of times in other states and then at a crucial time of my road trip when I was off my path in a very unsafe area, 9 miles from being out of gas, towing a U-Haul... My credit was DENIED at the pump. I called them, they cleared me after I had to "sign up for travel!" DENIED again! I called back, cleared AGAIN!!! I went back to the pump... DENIED again. This time when she said it was cleared, I kept her on the phone while I used it..."DENIED". So she went in and checked something and came back and confirmed that I can use it ANY PLACE ELSE EXCEPT WHERE I AM STRANDED!!! I can only guess why... We tried too many times and at their fault for that?
I will be paying off my tiny balance and closing this account. I have tolerated the ridiculously high interest rates for far too long anyway. This is UNACCEPTABLE!!! Discover card put my safety in danger by randomly denying my credit for no warranted reason. I was buying gas and food on my trip with the card NOT GUNS AND PORN!!! Everyone there saw that I was stranded and saw me calling Discover for help reading info from the card and saw that I couldn't get my gas to get out of there. I WAS AFRAID FOR MY LIFE!!!! AND THERE SEEMS TO BE NO PLACE TO PUT IN A FORMAL COMPLAINT SO THIS IS IT!!! They will answer any questions I have with automated emails but they cannot fix what they have done to me. I want to go on the news for this! It's reverse discrimination. They are treating the card user like the thief to a point where the user can't use their own card!!! SHAME ON DISCOVER!!!
I was charged cash advance and I right away called customer service and spoke to Erin. I explained to him the situation that I was charged a cash advance fee when I made it as Credit and that I was not aware of the transaction being placed as cash by the merchant. I asked Erin to provide a refund as customer service since I was not aware it was processed that way. He denied my request and told me to call the merchant and have them refund me and repurchase the product again. I told him that was impossible since the transaction was already processed. He denied to offer me a waiver.
I asked to speak to a supervisor and after 5 minutes I was transferred to Michael from Phoenix. I told him the story again and asked if they could refund the $10 as customer service and he denied as well. Michael being a supervisor was not able to make the customer happy over $10 then his position is very questionable. The whole conversation with both of them I didn't feel listened nor serviced. Not my fave card anymore.
I have 7 Credit Cards, different Banks and a Discover card for over 15 months. I recently did a balance transfer into my checking account. After I applied online I got a call from their security department to make sure it was me who did it. The money was deposited in 3 business days. I have always gotten my rewards credited and to tell you the truth never had a problem with Discover or any other credit card companies. I also have my checking through them also. I read these complaints and I honestly do not understand them. I mostly do everything online any hardly have any communications with a real person. They make it so easy.
Repeatedly their online account has totally inaccurate information, charges are added with no notification or reasoning, each rep spoke to (total of 4 now) have a story completely contradictory to previous rep...nothing gets accomplished but wasted time, repeating the same story. DC is a chase-your-tail game with your MONEY. Stay away. Find another credit card. All their advertisements represent the extent of all their lies.
If there was a negative star, I would give it to CheapOair. I purchased a trip to Nairobi in July. When CheapOAir sent the confirmation, the information was all wrong. The ticket was showing that I'm departing from New York and returning to Nairobi. I called CheapOair thinking this was a small fix on their part. I didn't realize I'd be spending the next hour and a half with the most RUDE people on the planet. These guys asked for an additional $800 per ticket (an additional $2,400) so they could issue a return ticket, although I had purchased a return ticket from them. Thankfully, my esteemed bank, Chase, reviewed my case and got my money back from CheapOair.
Unfortunately, a portion of the trip ($165.00) was paid using Discover card. I was not able to get the $165.00 back from Discover because according to Discover card, I signed an electronic agreement when I agreed to purchase the ticket. The rep at Discover said the same thing over and over again- that I agreed to pay for the ticket. That's not the point. The point is that I did not get from CheapOair what I paid for (a return ticket). They wants proof of what I entered on each computer screen when I purchased the ticket from their website. Another 36 minutes wasted with Discover card. Bottom line, CheapOair cheated me out of $165.00. Be warned. If you insist on using CheapOair, be sure to save each screenshot because you will need it. Wishing you a hassle free (not) travel with CheapOair.
I got an offer from Discover for a balance transfer, so I opted for it. In the last week of August I got a confirmation from Discover, saying the amount will be credited to my checking account within 5 to 7 days. It's been more than 3 weeks now. I even got a confirmation email saying the money is deposited in my checking account. When I call Discover they don't have any answer. Until now I didn't have any bad experience with Discover but this incident proved me wrong. I have to reconsider my opinion about Discover. They took the money from me, including the interest but didn't pay me a single penny. Not even a courtesy call on the status.
I borrowed from Discover Student Loans to pay for my off-campus housing. However, because my university, UC Berkeley, has a new policy this year, the loan disbursed to the university and has been sitting idle in their account. As a result, I needed to pay for housing from my own pocket; however, I was then unable to pay for tuition to begin classes, so I was left with no other choice but to drop out of school. Since I am no longer enrolled, I was trying to ensure the funds returned to Discover so that I would not be liable for the loan and interest.
I waited twice from 6:30 am to noon at the UC Berkeley financial aid office and was told that there was nothing I could do to have the loan returned since that's just how their system works. I then contacted a Discover Student loan rep and was told that they promised to personally send a letter to UC Berkeley asking for the funds to be returned. I called back to Discover two weeks later to confirm; however, the rep told me that they cannot send a letter or even contact UC Berkeley to receive the funds.
These Discover reps do not honor their promises. Fortunately I have 120 days before I have to be fully liable for all payments; however, it seems that Discover does not want to receive the funds back. In conclusion, if you do choose to borrow from Discover student loans, beware if there is any problem, you will have to "do-it-yourself" from Discover reps. Also, UC Berkeley said that "there is nothing they could do on their end". So at the end, it seems that the money will be sitting there forever; it has already been sitting there for over one month, hopefully it won't be past 120 days.
I have spent hours of my time trying to access my account information on the Discover website. It won't accept my password, and it is impossible to change the password using their website method. They send me a temporary password, and that is rejected since the password is 8 characters, and only 5 characters are allowed. Their telephone assistance personnel cannot fix the problem nor understand it. Their only solution is to send me a new credit card, which may or not solve the problem. Intolerable.
I have been a customer for a year now and honestly expected an automatic small increase as most banks do. I called when this did not happen. I also asked about the promotion I am in where I am suppose to get a match for the cash back I have earned from using my card and she told me yes I will but in about 3 bill cycles. That is nowhere to be found in terms so a big let down. I escalated multiple times regarding credit limit increase and find it ridiculous they cannot give you corporate contact information and also told me the non increase is to help protect me from over extending even though I have never been late on any payments with any companies and never made anywhere near just minimum payment.
I had the Discover Card. All of a sudden they doubled my minimum payment to "HELP" me reduce my balance. I was doing fine with paying my minimum and called them to question why they doubled it since I was NEVER late. It was to "help" me. If I could have paid "double" I would have. Since they put me in a situation that I could NOT pay, I told them I would have to file bankruptcy. They said "OK. Do it." And that is what I did.
This the second time that I have tried opening a bank account with Discover bank. The first time the security department made fax my information in so they could verify my account then come to find out they closed the account after their employee screw up. They left me on hold for hours and just to tell that they fixed the problem and they really didn't. Now I have the same problem. They are the worse company to deal with. I wouldn't recommended this for anyone.
checking a personal loan quote with this company and I got a credit inquiry. I called them and they said it happened.
I have been a customer and carried a Discover credit card for about 10+ years now. The interest rate was 24.23%. The day I opened an account with them and still to this day it is at 24.23%. Despite numerous calls I have made to ask if they could lower my interest rate and each time the answer was the same "NO!" and "for what reason??" I wouldn't know because they would not give me one. I have maxed out my Discover card at least 3 times with my lowest credit line being $1,500 the first time, $3,000 the second time, and 5,000 this last time. I have paid off this credit card 2 going on 3 times now. I also just made a payment of $3,000 within the last 4 months and close to almost every day. They will call my cell phone and work because I haven't made a payment for the last 2 months.
I figured that since I made such a large payment of $3,000 I would have a couple of months to make a payment without the nonstop harassment and late fees!!! Guess I was wrong! Silly me! I will be reporting them to The Better Business Bureau within a couple of days and will never ever again hold a Discover card and I have and will continue to tell every single person I know to never carry their card also. I have never in my life experienced such HORRIBLE customer service in my life!!! I assume that I am not the only person to experience this awful customer service with Discover. It is very disturbing to think and know that such a big company treat their customers like complete garbage!!!
Discover card seems to be allowing outside 3rd parties in IL to badly handle Credit card fraud investigations. Without handling or crediting the FOUND FRAUD back to me. I literally sent full documented packages into their Security division (NOT KIDDING) at least 9 separate times with 17 copied documents to prove the account tampering and False billing and false statements received. I also made Inspector general complaints w/ the US postal inspector and found that 40 percent of these bills were coming from unrecognizable address on PREPAID envelopes that were NOT associated with DISCOVER.
No amount of calling in, emailing or WRITING with proper documentation EVER got them to resolve this matter and to this date I HAVE NO CREDIT CARD. Cause they CHOSE not to close the account to see if the perps used it again. THEY DID and DISCOVER had Alzheimer's disease about it and refused to issue me a new card w/ a new number. I even had credit protection insurance. NOBODY at their corporate level ever replied back with any explanation or REISSUED My card. I was a customer over 25 years in EXCELLENT STANDING.
If you are applying for a personal loan and have an excellent credit score but you have an accent do not waste your time. They will make loose score point and then they will deny you application. When you apply online they will tell you will be approved with excellent rate but you need to call them and then base on the person you talk to your loan will be approved or not. If you have an accent forget it. My score is 772 and 85k income. All my payment are on time, customer with Discover for almost 3 years, credit line 70k from other banks, and when I applied is just to shop for lower rate for my loan. I am not in a financial hardship and I told the agent that upfront. I applied for this only because they were bombarding my mailbox with offers. My advice stay away from this unfair discriminating bank. Yeah I also asked the agent what's the reason he asked me to hold on 3 minutes and then he was saying I will receive details in a letter.
I use my cards heavily for mostly business reasons. 68k limits across 21 accounts, and almost NEVER carry a balance unless it's some kind of a promotional offer or when I bought my Harley with my Amex that offered no interest for a yr, and like in this case... On vacation, May 1016, 8.2k in pendings across 7 accounts, (14 accounts zeroed) ALL perfect 10+ yr history, between 12-18% usage, Discover sent me an invite based on my regular iT card for the miles card. Discover gave me 5k miles card to start, June 2016, 22 revolving accounts, (new iT miles card) $6.3k balances across 5 accounts (17 accounts zeroed). One of those 5 accounts was the new iT card that had slightly over 1k usage first month, paid in full about a week after statement date as the others, but as I mentioned, my accounts are used for business reasons.
I then use the iT card to pay for prebooked flights mid July 2016 for a vacation to Greece, $2.8k balance and I decided to take my debit, and ONLY the iT card with me to Greece on vacation as a back up 7/16 to 9/16, to establish a usage and payment history, not my Amex Gold, Delta SkyMiles, Cap One or Citi Visa. Combined totals of over 37k in credit, not including the gold that doesn't have a preset limit. They did a soft inquiry and lowered my limit slightly above the current balance while I was on vacation effectively putting my usage at 97% on this account and worse off, leaving me in another country with no credit card. After a 37 min international call at $2.35 a minute, they can't help cause the account is less than 3 months old. Irony is, they claim their system saw balance to limits were too high.
I currently owe $5.7k across 6 accounts including the 2.8k on their account, so 8.2k = 7 cards when approved, 8.5k = 6 cards when they killed my limit. Their own account posted on my report 2 days after statement date, NOT due date, STATEMENT date, and they lowered my limit for that additional $300. Statement date every 9th, due date following 8th. They lowered the limit the 4th and then reported 97% usage the 11th, go figure.
Amex and Cap One overnighted me cards and I closed both my Discover accounts, but for what it's worth... their customer svc team tried as best they could to save face and work around that 3 month thing to help save me some grief, including asking me to email them my reports to show balances, limits and have the account over written by an actual person instead of a computer. They even contacted corporate, to no avail. Even the reps were making comments like "ludacris", "crazy" "must be some mistake" "must be something we can do" "Let's try this", and "I'll transfer you to this dept". They tried but the damage is done, Discover is dead to me. They could offer me an unlimited card/interest free for life I wouldn't take it. The trust is gone!! I'll stick with Cap One, Amex and Citi cards (in that order) that I KNOW I can rely on when I need them.
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Discover Company Profile
- Company Name:
- Discover Card
- Year Founded:
- 502 E. Market Street
- Postal Code:
- United States