Discover Reviews

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.

Do not ever get injured or have part of your foot amputated to where you can’t work. Discover will still try to screw you and they have no care in the world at all that you’re injured or hurt. All they care about is their money so I would suggest never getting a Discover card..

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.

Discover discover discover! You suck! I’ve had discover for about 12 yrs now… It WAS my go to card? WAS! I noticed just by chance that my purchase apr. was over 28%!! That’s cash advance apr???? So I called and they were not even interested in entertaining an interest rate decrease! These people are thieves and shouldn’t be allowed to do business! But TOO BIG TO FAIL IS REAL!! I have/had 2 discover, one just over 24% and the other just under loan sharking at 28.7%. So why is one low and the other high! But then I’m told they can’t lower!! Haha bullshit! You guys no longer have a place in my wallet! Btw capital one and discover merged last year. So capital one is now discover! Be aware of your interest rates with them too!!

DISCOVER has been absolutely worthless in helping us in our struggle against fraud charges. In April 2025, we paid in full our monthly statement. Then in June 2025, we were recharged over four thousand dollars for a trip booked through a co-booking agent. For over five months we were told, yes you have been double charged but DISCOVER does not have a fraud department. From October 2025 until April 2026, they have reviewed our case. Not once were we informed of the outcome.

I always paid my bills on time and most of the times in full. However, after reporting some fraud charges, Discover completely turned against me and held me responsible for fraudulent transactions on my card. I caught Bryn from Discover's executive office lying to me on a recorded line, and when I confronted her, she retaliated by blocking me from calling every single department at Discover. I am happy to say that I closed my account.

Discover sided with a fraudulent company posing as Huda Beauty (this website had a non working email listed in their site I noticed after I never received a confirmation). I never received a product - but this company sent Discover a fake tracking number from the USPS. Discover wanted me to call the post office to inquire about the “package” - but I cancelled instead. I was a card member for 7 years, but $42 is why I closed my account. I can't trust Discover ever again.

We have had a very bad experience accepting Discover card payments. The level of fraud and dispute handling is extremely concerning. Most of our transactions are low value (around $10), but when a dispute is raised, we are charged additional fees of around $15. If we win the dispute, the amount comes back, but if we lose, we lose the original payment plus extra charges. This makes small transactions completely unprofitable. What is worse is that many disputes are marked as “fraudulent” by customers, and even after submitting proper evidence, the decision is often in favor of the cardholder. This encourages misuse and creates a high-risk environment for merchants.

I have had a Discover credit card since 1993. I receive my bill yesterday it had a previous balance of $54.95 with a late fee $30.00. So I called customer service, and explained that we never receive the previous bill in the mail and asked as a courtesy if they waiver the late fee? They said we didn't have any credits to apply the request waiver. Then I asked why didn't we have credits? She didn't know. I then spoke to a supervisor and his response was the same. I found that very strange. We then decided to close the account because we felt they did not appreciate us as a customer after 33 years of never having an late fee applied to my account. Pathetic customer service.

I was disappointed to learn that a "one-off" missed statement for a small $21 charge resulted in accumulating interest charges from Discover. Given their lack of flexibility compared to other financial institutions, I chose to close my account. Discover has zero grace for long-time customers, prioritizing interest and fees over satisfaction. A quick exit was the only logical choice. Good riddance!

Ordered a $200 gift card from WalMart.com. Since the delivery was timed right after a snow storm, FedEx left the envelope under a Chunk of ice beside the road AS THEY DOCUMENTED IN THEIR DELIVERY PHOTO. They listed the delivery location as Front Porch, but the photo they took clearly has my mailbox in the background. My mailbox is 1000ft from my house. SURPRISE- I never got it but some lucky duck driving by did. Despite my detailed documents, Discover overturned my dispute TWICE based only on Walmart providing basic order details. Discover abandoned me after 16 years of perfect payment history, using my Discover for everything. I won't be using my Discover for anything except the bare minimum to keep it active for my credit.

I have had Discover Card for many years and due to an unauthorized charge on my account I have decided to cancel my account. They keep sending me bills with a new bogus late charge every month. Now they are calling me 3 or 4 times daily just to harass me. Is this the way a honest or ethical company does business? They seemed to have been taken over by scammers. Do yourself a favor and cancel your card immediately at **.

I was a Discover customer for FIFTY YEARS. But based on how they do business now I am canceling my card. My dispute was rejected even though the merchant has tons of complaints for not delivering their services, but Discover sided with the merchant without giving me any reasons why. I appealed to their corporate office and received the same response. Appeal denied with NO explanation. Requested a courtesy credit. Denied. Bye Bye Discover. No wonder why you had to sell out to Capital One. Your customer service sucks.

Closed account without appropriate notice. Claimed they sent one letter (if they did it was misdelivered). Before closing an account, better communication should be used. They wanted me to open a new account which I will not be doing.

7 years with them and the one time I have a dispute they handle it like garbage. If they don't have my back then I won't be using them anymore.

Had my card for 9 years and they lowered my credit limit by 5,000 and I never missed a payment! Highly don’t recommend! My other cards did not do this! Stay away from this card!

I've had a Discover card for years & liked it with the rewards. But this last week I haven't been able to get onto my activities bill site. I called & talked to an agent & he tried to help me but to no avail. I talked to a supervisor & she tried to help me and supposedly walk me through with a new password, scan the QR code & to no avail. If I can't check my activity on a daily basis to check for fraud then I don't need that credit card! I told her that if I can't see the transactions on my account then I close out the account. She did unceremoniously and said I could never have another Discover card. I guess all of those years that I paid my bill did't mean anything to the Discover Card Company! Oh well!

I had a Discover Credit card. Years ago. I owed 3,400 dollars and paid extra always But my bill kept increasing. With no new charges!! It went up to 10,000 dollars! I finally had to mortgage my home to pay it off ! The men I talked to were very rude!!! Can you believe paying all that money!!!! Later I heard there was a class action law suit. I never got a penny!!!

My monthly payment is 3% of balance with Discover card, yet 5 other banks where I have balance only charges 1% of bal, leaving me with more flexibility to pay more throughout the month that strapping me with 3% makes it tight & demanding. Need more flexibility and uniformity. Also 5% 1x fee is abnormally high when other banks charge 3% for balance transfers..

I have been a Discover customer for 14 years. I currently have a 741 FICO score and have never, ever missed a payment. I recently applied for a $5000 debt consolidation personal loan with Discover and was declined. I am beyond angry with them. I intend to pay off my account as soon as possible and close my account. I wish I could give them a big fat zero star.

2nd time I gave Discover a chance, but I am moving all my money out of their account and cancelling my CC with Discover for the last time. Cust Service is of no help in preventing or stopping the fraud, granted only a $49 charge, but even after presenting the evidence, they would not put a block on this merchant, and I did not order this subscription to CCleaner and they did nothing to help. Be forewarned, customer service favors their merchants and not their customers and don't deserve my CC business or my savings account.

I applied for a secured Discover credit card, providing $2,500.00 as collateral, which was deducted from my personal checking account. Following approval, I received a request from Discover to sign a document through Equifax related to the Social Security Administration office; however, I was apprehensive about signing it. Despite my apprehension, I signed it since they had already taken my funds and mailed the credit card to me. On Saturday, March 21, 2026, I received an email indicating that I had a message when accessing the app or website. The message instructed me to contact Discover at 1-800-DISCOVER.

I have been a loyal customer for many years. The one time I had trouble with a fraudulent claim, they refused to help me remedy it. Going forward, I will not renew my card. I will no longer use Discover either.

Believe all the bad reviews on DISCOVER. Terrible customer service. I have great credit and AMX, Citibank and Capital One, all great cards. If you have a dispute, DISCOVER IS TERRIBLE IN RESOLVING. BELIEVE THE BAD REVIEWS AND DON'T USE DISCOVER!! Anyone of the cards I mentioned are great. DISCOVER IS THE BOTTOM OF THE BARREL!