Discover Reviews

Discover's dispute policy doesn't favor its clients. I closed my account with Discover after 3-4 years because of a dispute claim where Discover ruled five times in favor of a company I was scammed by. I proved through receipts, phone and email records, and legal documents sent by the scam company that I was owed a refund, and Discover still refused to rule in my favor. Not to mention its automatic rewards never went through, and I couldn't transfer my cashback to my bank account (pictured). Overall, horrible experience dealing with this company. It's apparent they want their money at whatever cost (despite Discover Financial Services making a net income of $4.5 billion in 2024).

Worse company that I ever had a card with. I had a false recurring charges from one company. I filed a dispute and was told that we will wait for 1 month for the company to provide a proof and if they are unable to provide us with any proof then these charges will be reversed permanently. Yesterday I saw those charges came back, so I called Discover and now they are telling me that the merchant never got back to us or provided us any proof but we didn't get any proof from you. I asked what kind of proof you want from me when I never signed up or bought anything from this merchant, so how could I have any proof. She kept on repeating herself that if both parties do not provide any proof we put those charges back on our customer card. I never heard anything more stupid than this. I have other cards and never had such a bad experience. I will be closing my cards with Discover and will be advising everyone to be careful with this scam company.

By far the worst company I’ve banked with. I think this company should be advertised for teenagers because all of the restrictions that it has. They stay doing maintenance on their site and maintenance causes you to not be able to use your funds because they lock everything. They have a low limit cap on the money you can send. And they restrict you from different websites and places you want to shop in store. This is by far the worst company I’ve had and I expressed that every time I call them I asked to leave a customer complaint.

Absolute worst credit card in the world. Do not use!!! After 20 years of being a equal client paying my bill every single month for 20 years and then ultimately completely paying it off over a year ago. Properly contacting me and making sure that I was aware that they were gonna close my account for inactivity after 20 years. They hurt my credit by closing the account and then when I found out within 90 days would not reinstate the account or have anything or offer me anything to actually deal with what they’ve done to my credit and me as a customer. Mess up your credit! Work with the Discover card. Totally terrible business practices. There should be laws to protect us against them hurting our credit report, especially if you’ve paid your bill a month for 20 years. Absolutely unacceptable I will take every opportunity to speak poorly of Discover card every opportunity and every chance I get for the rest of my life..

By mistake I OVERPAID Discover by $10,000! I asked them to refund my money TO my BANK! They said they would! After waiting about 5 business days, I still saw no credit to my bank! I this time chatted with them and was told they had ZERO records of my call or report!!! Are you kidding me? So now they show a huge credit! Oh yes they like that don't they!!! Shame on this company! Oh and in the meantime I did also have scammers try to use my card and charge stuff! I'm so depressed! I'm not a spring chicken here!

Discover is the worst. Don't do it. I have had their card for almost 7 years. I have 2 interest rates at the same time. They won't take one off or even convert them together. I pay about $10 more than minimum and the whole payment gets eaten up by the interest charges so the amount owed never goes down. They refuse to put a hold on charging interest so I can pay down the amount owed.

Slow customer service with poor response time even to chat. Website difficult to navigate when setting up card for the first time. Did not get bonus or rewards. Why do I have to keep writing more just to post this review. Downgrading to one star just because of that.

For some reason the app isn’t reflecting the accurate current balance. I feel like the internal software is cheating the customers with miscalculation. Something is very wrong! It is definitely overcharging me $40! Ridiculous!

We're living in 2026, however Discover is living in 2006. As they are resource less when it comes to common billing requests like managing billing cycle dates and/or having their digital app remove the current balance at the end of every month. Poor service and reliability!

I received multiple letters from Discover (pre-approved) trying to get me to apply for a card. After receiving one telling me that I was ‘approved’ and to just activate my account, I decided to do it. Not only did they immediately tell me that I was not approved, they also caused a 67-point drop on my credit score. Calls to Discover were pointless. Do like I should have done and shred any offer you get. It is a hard lesson learned.

Dispute Resolution Department does absolutely nothing to help resolve fraud. Discover says that they support card members 100%, but that is definitely not true. Me as well as many other ex card holders report difficulty with the fraud department and failed attempts to resolve disputed transactions. Beware!!

I hate using Discover. I especially hate that Capital One has switched over to discover. I plan to pay off my card and cancel my credit card with them and switch banks because the payments take FOREVER to process. It should not take that long. I can’t keep paying other bills and deducting what should be taken out already. It’s annoying plus they have random charges. It makes no sense.

My name is Charles **. I been with Discover for years. I paid them almost 2k to pay my balance off. I called customer service to find out why I still had a balance and the lady was so rude. I ended up closing my account. She was very fast to close it without asking or even trying to resolve the issue. They lost a good customer over a lady who answers the phone.

As an account holder, I receive emails offering me as a "valued customer" expedient loan rates with fast approval. Beware! When you respond to an already approved offer, and don't react then but respond later a "do not lend" is put in your credit rating data just for looking and then later actually apply. That flags your credit profile as multiple seeking and then your "approved loan" response is cancelled. And automatically rejects your application elsewhere. No matter one's FICO score is almost 800. The fact you compared offers from competing sources results in being barred from loans all over.

It's hard to assess my online account. Every time I call customer service they hang up on me. I won't use my Discover card any longer due to customer service's fraud department and uncaring customer service.

I paid off my Discover credit card in full several months ago and believed my account had a zero balance. An unauthorized charge was made in October 2025, but because my account was paperless and I received no alerts, I was completely unaware of the charge or that payments were due despite Discover having my contact information.

Discover is absolutely insane. The customer service agents are rude and insist they cannot help with the simplest matters. Zelle payments do not go through instantly (even though they advertise as an instant service- both zelle and discover). I have had a discover account for 3 years and they still have insanely low deposit limits/withdrawal limits and essentially hold my money hostage. They lied to my face about a limit having been set by zelle instead of them, and then when I 3-way called with zelle back, they admitted it was a limit set by them and refused to remove it. Bank with LITERALLY ANYONE ELSE.

Let me preface this by saying I've been a loyal Discover user since 2017, I've never once missed a payment, and that I did previously have an account closed years ago for fraudulent activity after I lost my wallet. Fast forward to the beginning of 2025, I ran up my credit card in December of 2024. Naturally, my monthly payments were higher because I didn't pay everything off right away. I don't thoroughly check my account regularly. I sign in, pay the monthly payment each month and then move on. Come October of 2025, I notice that my balance has gone significantly up. I figured maybe it was the interest payments, but then I started looking through my history.

My wife and I have been Discover Card users for over 20 years and we don’t feel as a valued card user at all! We have really good credit and we are so tired of the high interest rates!!!! Even the President recognizes how the people of this country (USA) are being taken advantage of!!!

I am very disappointed in how Discover helped with a dispute I had with a company called Vitality. I supplied them with multiple messages showing that I have been trying to get a refund since December 8th and have just been put off. I even included the return policy. There are multiple reviews showing others have had issues getting a return label and refund. Very disappointed that Discover found the dispute in their favor. Why are you allowing scam companies to take advantage of your customers? So at this point, all I can do is use the money and keep this defective product. Then they report me to the credit bureau for doing a dispute. Something wrong with this picture???

For a while I was very happy with the Discover credit card. Then I had to cancel my card and asked for e new one. Got the new card and used it. The problem is I can't log in onto the website. Actually, I can log in, except I can see only my old credit card. I called support several times and every time they make me log in to my new card but van not without calling support. I was asking to remove my useless old card but was always told it's got stay. Isn't this weird? It's very common that your credit card expires and you get a new one. I think the support just doesn't know how to do it.

I have had a credit card with them for 10 years, and always paid on time. I paid off my credit card back in August 2025. The remaining amount was interest fees, so I assumed that this was finally paid off, so I removed my auto pay because they will take money out of your account even if there is no balance owed. I checked my account today (January 2026) and they have been charging me a late fee with NO NOTICE, which was $200 in late fees - I have not received any emails, any notifications in my mail, NOTHING about this.

They scammed me bad. I had nearly a 800 credit score and their incident dropped me to 650. So in September they asked for extra ID, I was sick so I said no. They cut me off of the card, never sent statements and 3 months later I owe $200 extra. They scammed me.

Horrible company, horrible service. Sent all the documentation proving a false charge and the company provided literally nothing and Discover did nothing!! Horrible. I can’t trust them with my money after 15-20 years being a loyal customer. This was my main credit card and it no longer will be. I did everything I needed to, screenshots galore of all proof and they are as worst as the scammers.

Over and over again Discover allowed fraudulent charges to go through on old account numbers that had already been closed because of fraud.. They then transferred the fraudulent charges to my new account number. The last time they refused to reimburse me for what I unwittingly paid on the fraudulent charges. I closed the account and will never go back to Discover.

I just got my January statement and see that I have an overdue balance, $30.00 late charge and accrued interest. I looked back on my paper statement and see that I paid online 12-23. I always pay off my entire balance every month so I went to check my bank to see if the payment had cleared. Nope. So I call customer service hoping that since I've been a loyal pay-on-time customer since 1992 and never had a problem that they would find the problem and hopefully refund me the $30.00 late charge. My FICO score hovers around 825-845! I have no idea why it fluctuates as I am a rare breed with my credit history. I am told NO they will will not credit back the late charge!!! I was floored! Here I am again, 23rd and paying January bill so I have no idea what happened in Dec but I will start to write down the confirmation number they provide when making a payment.

Had a Roku account that I tried to cancel by phone one day too late. Roku only had AI customer service. Contacted Discover 4 times concerning the Roku billing. Obviously, no interest in helping me with this problem. I have frozen my account with Discover, they are not interested in helping in account resolution!

I have been in good standings with my Discover Card for years and am never late in my payments and always try to pay more than the minimum payment but recently I have had several large medical bill payouts and was late once and discussed this with them as I have an excellent payment history so I paid $381 in December which should have brought me current but now my account states I am over my credit limit by $162 which is not correct and I know that there has been multiple lawsuits against Discover Card and I am starting to see how they screw their cardholders in one way or another so my goal is to pay this account off and cut up the card.

I booked a flight to Europe with extra legroom. The company Lufthansa downgraded my seat at check-in. When I returned back home I filed a dispute. Discover said the airline said seat was not refundable due to operational changes. However Lufthansa own website says it's fully refundable but Discover keeps siding with the airline no matter how much evidence I send them showing from Lufthansa Airlines' own website. Discover is a garbage and company and has no loyalty to it customers. Only to the merchant.

I would rate them a negative 20, -20, if at all possible. It is gravely apparent that the head doesn't know what the tail is doing; customer service will give a set of directions for transaction processing; but, the back end will completely ignore the directive and refuse to correctly process the traction.. Appalling customer service!! Run-- do NOT bank with Discover or Capital One!!!

I’ll be the first one to admit that I’ve made foolish, naive, irresponsible decisions with my credit card when I was a newer holder and I was more financially ignorant. I’ve certainly learned my lesson, but it doesn’t really matter at this point because paying it off with my only means to make money right now being DoorDash feels absolutely impossible thanks to their unreasonable interest rate. Mark my words, I’m getting it paid off one way or another and then I’m never (if I can help it) letting Discover or any other credit card company do this to me ever again.

Difficulty resolving transaction disputes, unhelpful or rude customer service, high interest rates after promotional periods, account closures due to inactivity or policy, never use Discover again, they allowed non approved auto charges and would not stop them from reoccurring.

I’ve used Discover for years and have always had a pleasant experience. I recently applied for a personal loan to consolidate debt and I have to say, I have never experienced such exceptional customer service! I spoke with a representative named Noah and he was kind, patient, and truly went the extra mile to help me find what was best for me and my financial goals. A process like this could easily turn into a headache, and he made it seamless and worry free. The excitement he had around helping me meet my financial goals truly showed how much he cares. I appreciate how genuine and personable he was, it’s hard to find customer service like this! Thank you, Noah!

How does a company rise to the highest possible levels?! Duh, by caring for your customers. Unfortunately, as soon as this is the case, a greedy company buys you out and your experience is forever changed.

If you have a 0% APR charge and you happen to have a late fee, they'll treat it as a purchase under different terms and charge a high APR on the fee itself to charge interest on it. Any attempts to get customer service to assist you with waiving the fee or paying of the interest carrying balance will result in endless run around without the actual solution so they can continue making money off of you. When asked directly for a quote what it would take to pay this high interest charge as of today, they give evasive and misleading answers even though the answer is pretty simple. They're horrible and preying on people in the ugliest way possible, do not bank with them.

I've had a card for about 5 years and have been very happy with it. When I lost my card, they Fed-Exed me a new one in less than 24 hours, free of charge. Customer service has always been easy and friendly.

Have been a loyal Discover card customer for years, which makes this experience especially disappointing. When fraudulent charges appeared on my account, I did not feel supported or protected. The response I received was unhelpful and left me feeling unheard. I expected stronger advocacy and clearer communication during a fraud dispute. Credit card companies should stand with their customers in situations like this, and unfortunately, that did not happen here. After this experience, I am reconsidering whether Discover is the right company for me long term.

Great service recovering my account and sending me a new card to my new address asap within 10 min of calling. Shout out to Anthony from Illinois and Joanna. Automated service beforehand was responsive and just as well.

As a loyal customer, I am completely shocked by the treatment at Discover. Annually, I use Discover to the tune of $40K - $50K per year plus kids' student loans. I attended an MLB game several months ago and noticed that an imposter parking attendant ran my card for a $3,000.00 charge. This was determined when a second (legit) attendant asked for $30 for payment no less than one minute later. I checked the Discover app and sure enough, noticed an unknown merchant for a $3,000 charge. I immediately froze the account and called the 800 number on the back of the Discover card to report it. They instructed me to file a police report and send documentation to Discover.

I was staying overnight for work purposes with a big snow storm in the forecast. The hotel I booked turned out to be a disgusting, dirty, moldy, roach motel. Was in the room for an hour. 5 roaches, drug deals outside, couldn’t breathe due to mold and dirty air being recycled by the filthy heater. I checked out…hotel wouldn’t refund and neither would Booking.com. surely DISCOVER will help…NOPE! They claim because I was there an hour the hotel provided a service and they will not dispute. Discover has always been great to me but since the take over I notice a difference.

I have had my Discover card for over 15 years. Once my wallet was stolen with my card in it and recently my card information was stolen. Both times I received excellent service. I was able to speak with someone right away that I could understand. They were efficient and very helpful. I have never had an issue of being responsible for bogus charges in either of these cases and my new card was sent out right away. The first time when my card was actually stolen from my wallet, the representative suggested some very useful tools that I could use to monitor my card’s activity such as text alerts on charges coming through. They also showed me how I could freeze my card through their app. The Discover card app is very user-friendly and I am always able to login easily unlike another credit card I have from a different vendor. I am very happy with Discover.

Discover customer service agents who spoke to me was so rude even when I requested to speak with the manager, the Manager was so horrible as the first speaker not listening to my concern but quick to get off the phone. I will never encourage anyone using this credit card. They will decline your purchases each time you use their card to purchase anything more than a thousand. Horrible and racist credit card department.

Rude customer service. I asked for a lower rate because I have been with them a long time. Wouldn’t even hear me out. Then she typed out when they have a promotion followed by DEBRAA. That is shouting at someone. I would never recommend this company again. Smaller bank give better interest rates than these big corps.

Discover has been sending me a preapproved offers for a very long time so I finally decided to get one and after they did a hard draw on my credit, they could not approve my application because all of my forms with my physical address they wouldn’t approve any of them. They accept none of my proofs of physical address in a rural area of Alaska. They already did the hard draw in credit which they will not reverse and they won’t give me an extended amount of time to get the proper documentation so I will not be able to get the card.

Discover is now under management of Capital One after it is bought by Capital One. Before, it used to be so anxious to keep cardholders with it that in previous 5 years, if my credit card was sitting empty for 3, 4 months and I have no Balance transfer offer, I will pick up phone and 100 % my call goes to an operator who happened to be ethnically Philippine descent. She will give the balance transfer within seconds. When Capital One was taking over, a year ahead, it went to American-speaking customer service then to replies No Offer. My card is sitting empty for a year and called 5 times but no offer. Contacted Capital One Chairman, no offer. Capital One is known for looking bad credit or poor credit people so they can get them for 30% interest game, not me who paid off 5 times and have 700 plus SCORE.

My husband and I opened a Discover card in 2020 to help build our credit. We started with an unsecured card and, after a year of making every payment early, we were upgraded and given a small credit increase of $200. Unfortunately, in 2025, our business was affected by the economy and we fell behind on payments. We contacted Discover to explain our temporary financial hardship, but instead of working with us, they immediately suspended our card. Despite this, we paid the balance off in full within two months.

Ivy has a very pleasant phone voice, excellent customer service skills, and handled my needs in a timely and professional manner. She was extremely knowledgeable and made me feel like a valued customer. This was truly one of my best customer service experiences ever.

Just because you guys have commercials all through Stranger Things doesn't make you a great credit card. Acting like people are idiots and need to see only your commercial through the whole thing is ridiculous!!!! I will never get a Discover card and will tell anyone who listens to not get one either!!!

I've had a Discover Credit Card for many years. Recently, due to illness, I was charged $35 for being late on my bill by 4 days. The representation stated that adjusting late fees are not part of their policy and so I CLOSED my account and want to have NOTHING ever to do with Discover. Shredding their card makes for good medicine.

I fell for the initial promises of cash back and friendly service, but all I found was a predatory system designed to keep customers trapped in endless debt cycles. The benefits and perks they advertise? They are complete BS when stacked against the reality of their operations.

I used Discover as a credit card for business. Then Covid hit and I was unable to pay my bills. I was able to get a home equity line of credit to pay off my business debts. I tried to settle with discover 6 years ago with what cash I had to pay my debt. They would not take the money, they proceeded to file a judgement against me and when I got a 9 to 5 job so I could pay my responsibilities they proceed to garnish my wages 60 days at a time 3 times a year. To the point I am borrowing more money to just pay my monthly obligations like a mortgage and food. Supposedly this is disposable income that I make and when I call to tell them I am a sole provider they said they do not care if I live under a bridge or eat they want their money. Which by the way is not that much. But they charge me 40 percent interest and whatever they take from my checks is not paying down the card.

I was a loyal customer for years. I had a number of unverified charges and customer service could not identify what/who the charges were from. I attempted a fraud claim and customer service was difficult to work. Needless to say, I immediately shut down my account and I will never use them again.

I have a savings account and a secured credit card, the app was fine and satisfactory until I got my credit card, to activate the credit card it made me register a separate account despite opening the credit card from my original account. There are no ways to merge the accounts so you have to deal with logging in and out for each card/account you have, even if you open a new card directly from your account, you will need to register a second account and log in to that one to see your new card.

I was a customer of Discover for over 30 years. I got scammed & they didn’t cover like they said they do. Gave all information & they did nothing. Gave phone numbers & everything I had. I CLOSED MY ACCOUNT!!!

BEWARE of this company—I was scammed by a company that I had dealt with for years. They were going out of business--I did not realize that this once-reputable company was purchased by private equity and was in bankruptcy, also cheating vendors, and consumers. The company was Sundance Living—look them up on the Better Business Bureau. I was sent one out of five items in an order. Sundance Living sent "data"—basically a printout of my order. In spite of a mountain of evidence proving my case, the company sided with Sundance Living because of "data" that was meaningless. Every individual I spoke with at Discover apologized and said they would feel as I do—but that company policy is about dollars, not people. My Williams-Sonoma card, my Discover card, and my Capital One Savings and CD accounts are now CLOSED. There are much better companies. Do not make my mistake.

Terrible experience with this card. I originally had a $7,000 credit limit, and after using only $2,500, they suddenly reduced it to $3,000 with no explanation. I called customer service, and they claimed they sent a letter—but I still haven’t received anything. Very disappointing and unprofessional. This card gets a zero rating from me.

My wife and I were defrauded by a roofing company. We paid up front for the entire cost of the roof on 3 credit cards including 2 Discover cards, 1 in my wife's name and 1 in mine. After the charges initially went through, the roofer stopped communicating with us. For an entire month, we were not able to get a hold of the roofer. We discovered the roofing company had a really bad reputation. We initially panicked but reached out to the credit card companies and informed them we had been defrauded. Even the salesman who worked for the company reached out to us and provided documentation that the owner of the company was a fraud. We provided this information to Discover card on both my wife's and my account. For some reason, we won the dispute for my wife. But with the exact same documentation was denied for my account. How on earth are you going to have this type of inconsistency? Discover card is horrible!!!

These people are one of the worst credit card companies ever. Don’t ever trust anything they say. I ran into a problem and contacted them and they made me think everything was okay but then they stabbed me in my back and lowered my credit limit and in three years I’ve never been late or missed a payment. My advice to anyone looking for credit. This isn’t the company you want to deal with!

After beginning my federal career in the early 1990s, I opened my Discover Card account in 1991. For 34 years, I remained a loyal customer — until today, when I finally decided to close my account. The decline in Discover’s customer service didn’t start today; it began about a decade ago. Around ten years back, I requested a credit limit increase, and the agent, after a brief glance at my name, flatly denied it without consideration or explanation. That was my first glimpse of how Discover’s customer service had shifted — from supportive to dismissive and prejudiced. Today’s experience confirmed that nothing has changed. I called to request that late fees and interest charges be waived for a single missed payment — a payment I missed only because I was furloughed. The representative, ID 10113310, rejected my request immediately, without any empathy or willingness to help.

My account was closed because I always paid my balance a day before the statement closed, which meant Discover couldn’t charge interest and didn’t earn money from my account. Their system flagged this as “improper usage,” even though I always paid on time. Now it’s being reported as “Closed by Credit Grantor,” and my security deposit is still being held.

The Executive Office of Customer Advocacy has terrible customer service. They do not care about the customer. This is the worst credit card company in the industry! I have written several letters with proper documentations - that means nothing to the Executive office of customer advocacy.

We were denied on a personal loan, and when we called we spoke to "someone" named Amber, after she repeated the exact same thing multiple times, we asked if she was a human in which she assured us she was.... She ABSOLUTELY was not! Asked to be transferred to a supervisor, who was real, but still relied on false information from the internet to verify us and told us the denial had nothing to do with credit worthiness or income, but was because of security, but could not confirm which information was wrong.... WHATEVER HAPPENED TO CUSTOMER SERVICE and how can DISCOVER Advertise that when you call you get a real human every time! Absolutely FALSE.

The money grubbing capitalist pigs went from Mastercard to Discover so they can make more money to fill their pockets and float around on yachts while the rest of us are unable to make purchases because most places don't accept discover, STILL.

Worst credit card experience ever. For years I have paid all the bills. This is the only bill that my husband has had to pay. I was added to the account but they will not allow me to pay the bill, they will only let me charge! I have stopped using this card and there is only one bill being paid on here. I am an authorized user and account manager but that did not resolve our issue. They started sending me credit card offers but my time was wasted by Discover. They do not value their customers or they would have resolved our issues.

They are both 1 star: How the account operates and 5 star: 24-hour customer service, 1% cash back, high yield savings and IRA accounts. 1 star: They force high amount holds at gas stations making some block your card use there as they don't want to hassle with the difficulties of how a Discover account operates. They hold your money in pending for more than a week after a credit was issued, not the normal 2-3 business days like all other major banks do. They are really upsetting me right now with that last part these days. I have $147.20 tied up with them since last Friday, a week and a day ago, and Amazon confirms they did a refund exactly one week ago.

I hate this card! Customer service is horrendous. I make several payments a month as my balance is high? I only use it for DoorDash..Odd occasion..I had it on Google Pay and played Royal Kingdom for about a month. "Scam"...I had several duplicate amounts..They got back $19.99. That's it ..I have paid close to $1,000 in October and now wish I had taken it to the FTC as my balance is still $500??? Their statements do not show individual transactions. Which is very odd .. I am a widow and I feel my money has been taken. I have frozen my account ..Will pay it off and close it. Something is not right and it's a huge red flag!

New user. Was pulled in by what seemed to be great offers and wonderful %s on the credit cards and checking. Then I found out they separated the online accounts for credit cards and normal checking. The departments don't seem to talk to each other, so the online banking CS was insistent that they can be "merged" while the checking department sounded done with the call and just say they don't do that anymore'. Would've been good to know.... Beforehand. Online payments don't reflect right away like other banks do, so who knows if my payments show up as being paid on time. Overall shiny bow but sham show.

I called to waive an interest fee that I was charged a few months back. The agent seemed very annoyed and she did manage to waive it but was saying things like "I'm going over my time" and "Oh god" under her breath every time I asked her a question. I am convinced they pick people off of the streets and pay below minimum wage to do these jobs. I have a 770 credit score and never have I ever had such an experience with them or any other CC. I just found out about the merger. I guess that explains it. Good bye Discover.

If I could 10 negative stars I would. I had some fraud charges on my card. Everything got resolved, BUT every other month these charges keep reappearing on my new account, everybody you speak to there doesn't have a clue. OH They say it's all settled, then it's not months later, almost a year of this. C'mon get your act together. Run as far away as you can.

Discover has many things to address. One of them is the Dispute process and resolution. They care less about the Customer and side with the merchant. I would not trust these folks with your money. They don't know what the hell they're doing. I called several times, and each person I spoke to had a different version of my disputes. One said they were all closed. The other one said there were two of them on the second stage. The other one said that the merchant didn't respond to 3 of the disputes, and therefore, they closed the case, but if the merchant provides information, they will reopen the case. I just paid my balance, and once that card is on $0.00, you can take a hike.

They locked my mothers card over one late payment! My 79 year old mother who has NEVER paid late in over 20 years as a customer…and when ends up in the hospital and misses her payment…it’s was blocked and she was unable to use it. I advised them the payment (in full ever month for 20 years) was in the mail, provided a check number and they still refused to unblock the card until payment is received. Unacceptable.

Just opened an account, it’s been a fight to get my card, they keep saying I’ll have it by a certain day and then when I don’t get it and call back they tell me it’ll be there on a different day. All my money is moved over already and I have stuff I need but now I’m screwed because they suck and don’t know how to send things on time. Worst experience with a bank with punctuality. Do not recommend and I will be closing my accounts as soon as I can pull my money back out and plan to move to another bank.

I’ve been a Discover cardholder for 11 years, but after dealing with their Dispute Resolution department, I have closed my account. They say they will protect their customers…THAT IS A LIE. Their team is either severely understaffed or completely incompetent. They don’t investigate properly, they ignore clear documentation, and their communication is terrible. When you file a dispute, you expect fair handling and follow-up — But with Discover, you get misled, missed deadlines, and useless responses that make it obvious no one actually cares about your case. It feels like they exist just to check a box, not to actually help their customers. I used to recommend Discover for their customer service, but that reputation clearly doesn’t extend to the Dispute department. Extremely disappointing and frustrating experience.

I will never recommend anyone I know to use Discover It Credit Cards. At least in my family and children, children’s children. I hope they will remember what I would tell them. Discover does not help the consumer win disputes in claiming redunds which never happened in all of my other card issuers. Getting the pain both emotional and physical (headache) is not worth any of the benefits they offer. I strongly recommend using others cards over Discover! They did leave me high and dry!

I lost a card and they have terrible customer service. I tried to use the chat to get a new card, they said they would send one. Never did. They gave me a link to request a new card. It didn't work. Finally got ahold of them to send me a new card, once it did it was returned to them before it ever got to me. When I called them to request another card to be sent, they told me I would have to call back in 2 days to get the new card. Worst customer service ever. And the interest rate is extremely high too.

I’ve had my Discover card since 2018. I have never been late on a payment and haven’t used the card in several months. I got an email yesterday that my account had been closed due to inactivity and it could not be re-opened. They closed it on 10/12 and notified me on 10/16. Some people have credit cards for emergencies and don’t use them all of the time and Discover wants to penalize you for doing just that.

I have had Discover since 2004. I received an email from my email company that my quarterly payment of $15 was declined. I called Discover and couldn't pass the IVR because I didn't know the last 4 numbers on mt card... This was new. I was able to talk with a rep by doing other verifications with her. She told me it was declined for non-payment. I had just paid $5000 off and I had forgotten about the $15 being billed quarterly. I said I would just pay it now. Then she wants me to verify my checking account number, which I didn't have with me. I told her the name of my bank...No not good enough. She had no common sense. When I called to make my payment, I didn't see a late charge applied. She lost a customer over $16.

I have been banking with Discover and got my first Discover card at the beginning of the year (2025). I am impressed with the customer service and as promised, they upgraded my secured card to a non-secured card, raised my limit, AND gave me a gift of 12 months no interest! I could not be happier with Discover and am very happy to be a customer.

I have been a discover IT card customer since 2014. I have been responsible with payments up until 2024- when I experienced hardship. I respectfully paid each month. I just talked to ED at the collections department and he declined allowing me to pay less than agreed. All of my family members and friend are customers with Discover. I’m very distressed over the the fact that ED declined escalating the call to help me today. We will NEVER ever bank with discover again. And spread the word on social media. Good night and good luck.

I have had Discover for 9 years. I had to file a dispute for the first time since the company claimed I received my package when they used the wrong photo. I was receiving 3 items, 2 in a joint shipment and then a third item. I never received the third item. I followed the dispute and provided photos, Discover still decided to side with the company instead of its customer. I have never made a dispute in years and this is the first time I ever made a dispute. I work in customer service and I understand the customer can lie, but that dress was supposed to be for my rehearsal dinner and now I have to quickly rush and find another one. Very disappointed in the customer service and not siding with the customer. I see other reviews where they have not sided with the customer.

I purchased off of eBay and got scammed by merchant from china and they sided with them on goods that were not even right and they wanted me to pay for shipping on item that I did and they still sided with merchant because it was so called used but it don’t fit or get installed on my machine. I wrote a bad review on eBay for the seller/merchant.

I am absolutely disgusted with the lack of cardholder protection provided by Discover Card. I purchased a $200 Macy's Gift Card for a friend at an HEB store on 8/19/2025, only to discover the card was defective—the PIN code was damaged and completely inaccessible, rendering the card worthless. What followed was weeks of frustration: HEB (the retailer) refused to exchange the card, forcing me into a blame game with Macy's, who confirmed the exchange had to be handled by HEB as the point of sale. I was passed back and forth, holding a receipt for a useless piece of plastic. When the merchant refused to resolve the issue, I filed a dispute with Discover citing Defective Merchandise. Shockingly, Discover denied my legitimate claim.

Do not get sick or injured and have to miss work and a payment or 2 because Discover doesn't care. They will take your money without permission even if you're not on auto refill. They won't try and contact you first.. Thankfully my other credit card companies was able to work with me. Discover shame on you!!!!

I have been a Discover card customer for almost 10 years, and I am very disappointed with the way they handled my recent dispute. I submitted all the documents and proof they requested, but after waiting a long time, they told me they would not take my dispute because the amount was “too big.” This is completely unfair and unprofessional. A credit card company should protect its customers no matter the size of the dispute. I trusted Discover for many years, but this experience has made me lose confidence in their customer service. If you are considering getting a Discover card, please be aware that when it comes to large disputes, they may not stand by you as a customer.

Discover is by far the worst credit card company I’ve ever dealt with. They stuck me with a $42.78 Walmart charge that Walmart confirmed never happened. I even made a three-way call with Walmart, Discover, and myself on the line, where Walmart told Discover directly there was no transaction — yet Discover is still denying this and refusing to remove the charge. They promised to fix it, remove the fees, and refund my money, but then went back on their word. This is blatant dishonesty and bullying toward their own customer. On top of that, instead of removing, they added late fees and interest charges, and the balance became $120 from $42.78. If you want a card company that stands by you, avoid Discover at all costs. No charges in my purchase history from may 24th from Walmart.

Just got off the phone with these people and they can't seem to help or have any emotions for their customers. I was begging on the phone for help because I'm in the middle of buy a home and thought that my card was on autopay, but I guess it wasn't and was mark late payment on my credit report. Now I'm scared that it may not go through. Thanks, Discover for being non-helpful and not caring for your customer.

I paid Algotels (Trivago's crooked reservation affiliate) for a room at SureStay Plus in Kearney, MO for the evening of August 23, 2025, but there was no reservation when I arrived. I paid for the room AGAIN on my Discover card. After Algotels refused to refund me, I submitted a dispute with Discover and provided BOTH receipts for the same night for the same hotel, the hotel's charge a little less, since Algotels rounds up to the next dollar. Discover ALSO has the charges (Algotel's and both the forfeited room deposit and additional charge to make up the difference), but they've denied my dispute TWICE, even after filing a complaint with the Consumer Fraud Protection Bureau (CFPB). My next step is filing a complaint with the Federal Trade Commission (FTC) and you can bet I'm going to do it. (I just left a voicemail for "Josh" at Discover's "Executive Office of Customer Advocacy" - what a joke - who denied me by letter.)

They are crooks who want you to remain in debt forever!!! They charge a LOT of interest (28.24%), and it's almost impossible to pay them off. I had to speak to a supervisor to find out that you have to pay the balance the day after the statement closes to have no interest. I tried to find out earlier how to pay off my balance so as not to accrue interest, and no one could tell me. They do not explain things well. UGH!!!!

Over 20 years with Discover because they said the best fraud security always take care of customers, rates were ok. Then their rates went up, even with high credit score, I had fraudulent charges on TikTok!!! They sided with TikTok!! I recently CANCELED AGAIN, useless ExpressVPN current receipt below SAYS CANCELED, THEY STILL CHARGED MY CARD!!! AGAIN DISCOVER SIDES WITH ExpressVPN!!! I called Discover. Three transfers later, the last girl said she had my account up I asked what were the charges. She said one moment, then just 2-3 minutes of heavily breathing like prank call. I asked again, she said one moment (she was texting!!!) Would not help me at all!!! Discover DEI hires anyone. They can’t be trusted. Most places won’t take Discover. I will never go with Discover again!! After over 20 years, I canceled card. DISCOVER SUCKS!!! Way too many games “sign up for cash back,” why not just make it so.

There should be a negative scale. Discover rating a -5 ( minus 5). Worst credit card and/or bank around. Their customer service is pathetic. Discover refuses to help their customers when they are in a bind.

So disgusted. I discover I no longer use my card!!!! Had fraudulent charges on my card. They handled it so poorly and the best reason they came up with was my charges were legit because they had my mail address & zip!!! Really discover??! No shit if they didn’t have that information I wouldn’t have fraudulent charges in mg cc right??? Not only did I veg stuck paying hundreds of fraudulent charges buy as I'm paying them I found out they reported my card as disputed ruining my credit score. So now I cancel my automated payments & cut my cc up.

I had automatic payment setup and they just stopped it for no reason after a few months and then charged me for missed payments. The supervisor can't refund the extra charges as "their system doesn't allow it. We can't contact credit ratings because that is automatic."

0/10 I would not recommend Discover Credit Card. My 6 year old got a hold of my phone and purchased $1300 worth of digital Pokemon coins through Google Play in 10 minutes. Discover NEVER sent me a notification. They are not reimbursing me the money although it is obvious that this was not a consensual purchase. I am a single mom who is a teacher and there is no path for recourse. Google play has also rejected my request for a refund. There needs to be more structures and policies in place to protect the consumer when accidents like this happen. I cancelled my card with Discover after years of being a faithful client because of this incident. Discover: Do better.

Taking advantage of a 96 year old woman!!! My Mom was in the hospital when her bill was due. I paid it 2 days late. I explained to the rep mom was in the hospital & asked if she could waive the late fee.... I even paid the interest. It was never noted on the account! They keep adding late fees & interest on the late fees.... now up to almost $300. I tried calling several times but since I was not on the account they couldn't do anything. After 10 months mom was available to speak to them. They still won't do anything to remove those charges.

I have been a Discover Credit Card holder for over 13 years and recently forgot a payment. I contacted Discover since the late fee was 100% of my balance (only $25 but still the principle). The customer service agent was extremely snarky and rude who I contacted and demeaning. Being on time for YEARS of payments to be met as a loyal customer with such rude customer service and zero willingness to waive the late fee has me assuming that if you had larger credit issues you would be in major trouble with this company. They claimed that I had a previous waive of payment but when I went through all statements it is shown nowhere.

Purchased woman's parfum for my spouse online at ** for $78.99 USD months ago. Never received the product, never shipped. Open a dispute case online with Discover Card Services. Discover claimed that they "received" supporting documents however, not sharing the so-called valid information. I sent multiple screenshots as files of proof into the case however, I was still charged the full amount by Discover.

This company does not even deserve one star!! Reps make stuff up and do not empathize at all. They are keeping my security deposit for 2 months in case any charges show up. THERE ARE NO CHARGES COZ THE UNPROFESSIONALS BLOCKED MY CARD THE MINUTE I ACTIVATED IT. I never got to use it so there will be no charges for my security deposit to cover. After I sent my deposit in and accepted me- they want my ID. It's MY money and I lost my ID.

I made a payment 2 days late and paid the minimum amount to get out of the negatives just to turn around a week later after not using the card at all and it's almost $200 in the negatives again from the late fee (which I'm fine paying) and interest of $170! I can't catch a break and customer service was no help.

Repeatedly, my purchases are declined for no explained reason. The ATM card fails, and I can't use the funds in my account. The Discover support team is full of apologies (with a South Asian accent), but has ZERO resolutions or fixes other than: "just don't use your card". Seriously!?!? The service is a failure!

This company isn’t good at all, hard to deal with, don’t send no statements for the credit card, only receipts. When you pay the mobile app won’t let you log in all the time. It’s just horrible and I’m young and it’s just horrible! Be aware please before you get a credit card

Do not get sick, or have a medical situation or emergency. Kind of difficult to talk on the phone when the cardholder is in a coma. They do not care, would not recommend, worst experience, future cardholder choose a different company.

Disgusted with Discover after learning - just today - that my $4100 credit limit has been reduced to $1300. There was no notice of this reduction, which was apparently made in the last couple of days since checking my account. Although my actual balance is low, they went ahead with this action and I'm now seriously considering getting rid of this card altogether.

Discover is unprofessional business team, they don't offer customers satisfactory resolutions, they have no sympathy if you experience any problems using your debit card far as not described items you purchased online, I'm really thinking about getting rid of Discover card. It's not worth the stress.

They do not have your back. In the pandemic 2019 my identity was stolen. Of course my bank stopped payment on until they can verify me. Which I did not know at the time I had set up auto pay for the last 25 years. Never missed a payment. Because my bank froze my account until further verification. My payment was late till this day. My credit score suffers for missing that one payment. They were unwilling to work with me a customer for over 25 years after I explained the situation and gave them a police report.

Completely disappointed, had an $90.00 unauthorized, provided all the documentation and basically was told to go **** myself. My only suggestion is to just avoid Discover Banking completely, AVOID. AVOID. YOU HAVE BEEN WARNED!!!

I fully understand why Discover Card has such a low rating!!! I've had the card for 5 years and have always taken care of my payments. I had a massive medical emergency that put me out of work for 6 months. I made the payments but after 3 months of medical bills and no work, I had to stop. I fell behind 3 months. I got back on my feet and just about wiped out my balance but Discover suspended my privileges, even though I paid off all but $29 and my credit score went up over 70 points but STILL they wouldn't release the suspension. None of my other credit cards have treated me with such disrespect and none of them suspended my privileges. Don't waste your time with Discover!! They don't care ANYTHING about you and if something happens to you and you fall behind, they will treat you like dirt. There's a reason for such a low rating!!

My mother's health declined to the point she has dementia and is now at a memory care center. She had a recurring monthly donation with DVNF. After trying to contact DVNF for several months and never being able to reach anyone I thought I could contact Discover to cancel that on my mother's behalf. After talking to three separate employees, I was told the same thing, that only my mother, who can't even remember her own name, would be the only one who could cancel the payment. I even told them I had power of attorney to act on my mother's behalf. Nope, Power of Attorney has no power when dealing with Discover. Of course I also don't have the power to cancel her credit card. So until she dies, there will always be this recurring payment. Seems highly unethical to me and will never do business with Discover Card again and would highly encourage others to do the same. ANY credit card is better than Discover!

Filed dispute on a purchased product I got, didn't work. Informed Discover of the problem, said they would work on helping me get it made right. Discover turned around and have the dealer the money without getting it fixed. Sorry card, I'm done with Discover, they don't care if u get screwed so Bye, Discover. I'm out 900.00 dollars over it.

I've been customer with Discover 1999. Today I call about dispute, they charged me on the July 31st and I supposed to have charge on the August 1st. I spoke with the Merchant and they told me they suggested to don't get charged I need call to discover for dispute. Representative Rachel, she was mean on the end of our conversation, I was very surprised because before they were very polite, there was excellent service, not anymore. I am spending thousands of dollars with Discover card, this month the bill is $11,000 and I will pay on time, this is the appreciation?! No more discover card!! Goodbye

Highly do not recommend Discover. They'll close your account two days early before they give you time to add any money to it to cover your negative balance before your account is fully suspended. They wouldn't let me go to Walmart to add $8 to my balance to not have it closed. They close my stuff 2 days early. Three employees told me that my account close on the 2nd. Today's the 31st and now it's suspended so y'all do what y'all will with that information but I will not get discover, y'all better off getting Chime® or something at this point. Customer service is well but they just need to rearrange their policies a little better

At first my chip wouldn't work at the gas stations, but the card would read at retailers. Then my card wouldn't work any place. I called them, and the service representative (SR) checked my numbers and assured me my card would work. It didn't. I contacted Discover a few more times but got nowhere and nothing. Finally, I asked for a replacement card, but the SR said that she couldn't issue me a replacement because there was a fraud alert. I told her I hadn't been notified of a fraud alert by e-mail like I usually am. After a few more days talking to SR's who hadn't been properly trained, I finally talked to an SR who said the fraud alert wasn't a Discover fraud alert but what she called an "external fraud alert" meaning that it was a fraud alert by one of the three major credit companies. (Why did it take so long to find someone who would recognize an "external fraud alert"?)

I am a small business owner and had a client. Pay me with a Discover card. I kept up my end of the bargain. And then fraudulently reported to Discover that he never authorized the transaction. I've called Discover 45 weeks. Nobody seems to know anything and I'm out fifty two hundred dollars. I learned recently that Capital One is part of them, and I've had 2 Capital 1 cards for 10 years or more. I'm going to cancel anything to do with that crappy company. I will no longer accept Discover or Capital One because it's a clown show. I provided proper documentation to substantiate. Even text messages from the client, making fun of me. For what he did now, my next step is to file a police report and I'm seeing an attorney tomorrow to sue the hell out of them. Stay away from Discover and now I don't trust Capital One either.

I've been a Discover card member for years and like many of the features. Recently, my card was stolen and Discover's response was slow and unfriendly. It took them over a week to respond because they used USPS to send a card. My new card was sent to another person's mailbox. I had to call and them have them FedEx another card. More wasted time. This seems like an antiquated way to respond to a good customer who has never missed a payment ever!!

Worst credit card I have ever had. Their customer service consists of remote works on a call center hub, You get Chi, Phx, etc. Ask for a supervisor you get transferred to another remote person who says they are the last line. There is no corporate offices to contact, just call center remote workers. I here for two months and four calls, it takes ten days. I can't wait to clear up their screw up, pay it off and shred the card.

Discover - I did dispute of over 2500.00 where I showed Discover the person that actually did the work. The disputed company Rolling Sound Jacksonville DID NOT and lied, they said multiple times they were only paper based, meaning they did no work, I closed the 30k credit limit 0% card over this poor illegal immoral and unethical treatment. I SHOWED DISCOVER who actually did the work, they refused my dispute. Do not do business with this company as they treat disputes and you like a turd. I hope they all were fired when Capital One who bought them and is not any better. These people all deserve the worst life has to offer for their lack of compassion, lies and care.

I have been a loyal Discover card customer for 35 years! I am so upset with this company. I disputed a charge and the merchant said they would work with me and to retract my dispute. I trusted this merchant but they ghosted me after that and never provided the service I paid for. I called Discover 5 different times and was told yes they can help, then the next time no they can't. Yet they kept telling me to load supporting documents only to be told the next time sorry they can't help. Now I am out $800 and have to sue the merchant if I want my money back.

I am giving -0- stars to this Discover. I have been an exemplary customer for 10 years never late with payment in full. They suspended my account with no cause or reason. I called them idiots idiotic and drooled my account. While suspending my account they increased my credit limit. The right hand doesn’t know what the left hand is doing. I refuse to do business with Discover for their stupidity. Had I been a bad client I would have understood. After spending time on phone they did not give any reason or notice to their unprofessional behavior. They should be held accountable for their poor judgement and word to the wise…. DO NOT USE DISCOVER DUE TO POOR COMMUNICATIONS AND BAD BUSINESS PRACTICES. MPH

AVOID AVOID AVOID. I have been a Discover customer for a long time. Since they have been bought out by Capital One they are HORRIBLE. They cancelled my auto pay, didn't tell me then charged me a late fee. When I asked for a fee waiver they refused and said the "system" wouldn't allow it. The thing that made Discover great was its customer service and it's completely gone since the merger. I'm going to be paying my balance off and no longer using them. Unacceptable.

No customer protection! A company submitted a $17,000 check they were not authorized to cash, and Discover just gave them my money. Discover's Fraud Unit keeps citing Regulation E as to why they would not help me recover my funds or even just investigate. Three weeks later, I'm still out $17,000. They are very happy to receive my funds but can't even provide me with the specific rule that they say applies to my case, so they can't help me at all! Goodbye Discover, there are plenty of other online banks!

I once cherished Discover as my go-to financial partner, holding three credit cards and a personal loan with them, thanks to their outstanding customer service and reliability. Sadly, since the Capital One acquisition, that excellence has evaporated into frustration and inefficiency. After today's abysmal customer service experience—marked by long hold times, unhelpful representatives, and unresolved issues. I've paid off all three cards and the loan, leaving just one inactive card that I'll soon close. It's heartbreaking to watch a once-respected company erode under new ownership, showing blatant disregard for loyal customers through convoluted processes and indifferent support. A firm hard pass—avoid at all costs. Instead, I wholeheartedly recommend USAA or Navy Federal Credit Union, where customer appreciation and seamless service still thrive.

I have an 800 credit score and maintain a low credit card balance of a few thousand to maintain it in which I can pay off at any time. For a year they have sent offers on a personal loan up to $40,000 multiple times. I applied and was denied. Why did they bother sending me this crap mail knowing they would deny me. If they denied me, they deny everyone.

I started a personal loan with this company. I was told I can make additional principal payments only. Well, I sent 2 additional payments. They took all of it for Interest. Now they say you can Not pay principal, any extra money goes to interest only. Do not use these guys. They will rob you blind and take your money.

I had been a customer for many years. I bought, on line, 1 bottle of ED pills. The company sent me 6 bottles and charged me $294.00. I immediately called Discover and told them what happened and to put a stop payment on the order. They said they could not stop payment until it posted in 10 days. I told Discover this company was a scam, but they didn't seem to care. I immediately sent back the 6 bottles to the place that shipped them to me. But because I did not have the return address, I was still charged the full amount. So, I not only had to pay for the product I sent back, but I got no refund or product.

They keep crediting my "Bonus $$$ " to my bill at the end of the month. I never authorized this and I've called customer service 3 times and none of them will change it to just leaving those dollars there to accumulate. What's the point of offering something if Discover is going to decide how it's used? Absolutely the worst service of any credit card... Can't wait to pay it off and dump it!

I had never had a problem with Discover until this month, when I was penalized for paying early. I had a small balance in April, which I paid on May 2, 2025. Made a couple of purchases at Lowe's and Amazon. Since I had already paid my statement for May, I paid another payment for the upcoming statement, which came on July 2, 2025. However, when I looked at it, I was assessed a $30 late fee for missing the June payment. When I tried to get them to apply the payment properly, they did not. At this point, I became so enraged with them and what they'd done, I paid my balance and closed the account.

I applied for a Discover Card since someone else I knew who had one, was very happy with it with no complaints. I even liked that you can change the design to your liking and it even offered 15 months of "no interests" to boot...and with my credit score of 835, I was instantly approved! However, I waited 2 weeks and the card never came. In addition, I had to submit either a Driver's License or Passport and a photo for account verification before using the card. At this point, it's off to a bad start and I don't need this card when other CC's such as Chase, BoA, Amex, Citi, don't give me a hard time and give me a much higher credit line. I would avoid this at all cost!!!!

I have had a good relationship with Discover for many years and if I could give them a lower star rating I would since this merger with Capital One, crazy interest rates with no notice, problems with auto pay which was never before. I hated greedy Capital One years ago, which is why I found and stayed with discover. I feel sold out and extremely disappointed at this point and hope I can find a better credit card company out there again.

Discover Bank and Discover Card customer service is once of the worst I have ever experienced when it comes to the Disputes Department when it comes to having documented information REMOVED. THEY WILL BLAME THE ACCOUNT HOLDER, over doing the research necessary. I would go to another bank. Tired of the lies, hangups, inaccuracies, bad management and not being accountable!

What happened? This was my favorite card because of the customer service! I've called 4x the last year. Every time I call, agents transfer me at least 3x. I am paying this piece of ** card and not using it anymore. I'll put it next to Capital One. Terrible customer service. Screw Discover and their agents.

Customer service was not very helpful. I explained I lost my job at the time they had me in the hardship program. Now I have another one and pay what I can, but I can’t afford to pay if I’m making payments and the interest is 3 times the amount of my payment… I’m trying to pay. I only can pay what I can afford… The customer service woman told me nothing they can do and when I have the money to pay, call them back… I reached out for help and that was y'all response so I’m no longer paying in this account. I’ll never get it down.

Just don't do it, do not get a Discover card. They are not going to back you as a customer. If you get scammed or anything gets stolen it's a hundred percent on you. They could care less about their customers. I had all the proof they were able to contact the company that showed me. I was being scammed and that my charges were not real and Discover did not care and did not remove any charges and told me I was just going to have to eat it, because they could not get a hold of the merchant that scammed me and could not get their side of the story. Yeah, you can't reach them because they don't exist! They are not going to take care of you or care about you. As a customer, please get a better credit card. Go with Citibank!

I purchased tickets through the Just Fly website with my Discover Card in June of 2024. I received an email that said I had tickets pending. I never received an email with actual tickets. I called the Just Fly company's CS number and was on hold over an hour, I emailed them and never received an answer until after I disputed the tickets, then they emailed me back saying they sent tickets and why did I dispute them. I told Just Fly I didn't have actual tickets with useful confirmation numbers. I went back and forth with emails with the Just Fly company and they NEVER sent me working tickets. Since I Disputed the tickets with my discover card I provided proof of all the emails I exchanged.

Been a customer for a few years. Just found out for the first time that I couldn’t use my miles for statement credit because I hadn’t use my card for travel purchases? Never heard that before! I’ve use my miles for statement credit in the past without travel purchases. Looks like I won’t be using this card for any purchases in the future! They can reduce my line of credit or cancel the card! Disappointed.

My name is Maha A. I have dealed with a manipulative, cheating merchant. I have disputed the transaction with Discover credit card. They refused the dispute, and stand with merchant instead of me. This credit card is the worst.

Discover never good. Now worst merger with Capital One. Complete disaster. Both banks abusive customers and high fees. Both racist companies. Again don't get this services cards with higher fees and not good to you.

‼️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 because DISCOVER don’t have any protection to the customers. They rather like to get the benefits to the scammers. PLEASE DON'T USE THIS CREDIT CARD COMPANY IF YOU DON'T WANT TO REGRET LATER.

Lousy customer support. Their phone access and website access are over automated and thus one cannot get assistance in fixing a simple problem like in my experience, as a registered user.. a card holder... Their website will not me allow to log in.. even to make a payment on balance due. Their website frustrates any attempt to seek a resolution to my problem. It appears that Discover's business model is based upon "for every customer we lose, we get 5 new ones so why bother" thus Discover's revenue stream must be intact without customers like me... With a high credit score, I am not a valued customer.

I have found that Discover's customer service is great. They have an American based customer service and they have been open whenever I have needed them. They can speak clearly. It has always been a good experience.

Terrible credit card company that lacks communication that lacks basic common sense and common courtesy. I opened my Discover card back in 2021. The benefits were okay. Nothing to brag about. I paid my balance off and kept the card for emergencies. Haven't used it and today, I got an alert from Credit Karma that the account was closed. Called customer service, he was ghetto and not customer focused in his dealings with me. He claimed that they sent me something via email back in February. Lies. There was nothing sent alerting me of them potentially closing my account. This company is a FRAUD. Do yourself a favor and pick another card from a better company.

I am very disappointed with Discover, after being a loyal member since 2019 and never having a late payment they closed my account due to inactivity and never sent a warning notice to give me a chance to use the card. When I called to complain or get my card reopened, there was nothing they can do and not helpful at all. Very disappointed as this affects my credit.

Having been a loyal customer for over 40 years I was appalled by the way customer service treated me. I sent in two payments and they only credited one. Next month said I was late. Charged me a late fee. Right away I called to straighten it out only to find I could NOT talk to customer service until collections got money out of me. I had already mailed the payment, but they treated me like a liar..only wanting to get more money from me. Was told I could NOT speak to customer service till I paid a bill I already paid.... What happened to Discover???

Discover was once the best card there was. I am saddened to write what a horrible, automated product designed solely to rip you off that Discover has become. I was literally robbed by a camera store who took my card, made a 4.99 transaction $499. This camera store, in SF Chinatown has a long history of this and I called the police and pressed charges. This was successful. Discover refused to reverse the $499 charge. It turns out they NEVER side with the customer now. Always the merchant. They have also had internal problems that have resulted in canceling my card 3x over the past 5 years.

Do NOT sign up for an online CD unless you know ALL the facts WHICH THEY DON"T TELL YOU. When the CD matures, you can't have an ACH transfer done lol. This is a joke. You either have to have the money wired (WHICH COSTS YOU $30!) OR you can have a check sent to you in 5-7 business days... how absurd! Either way they make money. I decided on the wire but you have to call them up, go thru the form, then use THEIR company to take a picture of both you and your driver's license or passport. Well, after 10 minutes, I couldn't do it. It wouldn't take my pic. So I said, forget it and send me the check.

We used to be so happy with Discover customer service. My wife sang their praises for years and years - until tonight. My parents call me by my middle name and always have given me checks using that name. I also receive checks using my initials and using my full name (especially from insurance and the government). Discover never has had a problem depositing these checks. I have plenty of evidence of that - checks deposited for many years. (I always endorse them the same way.) All of a sudden, Discover has decided they won't deposit checks that don't match my name exactly as it appears on the account - like somehow I can control how checks are issued. That is beyond stupid.

Worst credit card to exist. Takes forever to process a payment. Cash backs are horrible deals. Even just simply looking back to a transaction history is impossible. Wish I never opened a card with them. Absolutely terrible.

I was ripped off by Sears Home Repair. I had to pay a tech to diagnose my repair which would be applied to the repair labor. Well, Sears kept setting 4 hour window appointments and never showed up. After 4 of those, I found another local company to install the parts I paid for. Sears refused to refund my deposit so I reported it to Discover. Discover took the side of Sears. I had a Discover card for 40 years and canceled it over $120 dispute. I'll never respect or apply for Discover. Visa and Mastercard take the side of the consumer.

My dispute case with Cap Cana hotel at DR was totally over looked despite of me providing at least 24 pages of detailed conversation with hotel personnel and the hotel corporate office and how I did not get what I was promised the service for. Discover staff was not helpful, rude, does not seem like they know how to handle or process the dispute case and it seems like they were more backing up the merchandise and making all kind of excuses for them as versus helping me as their customer. I still do not understand it.

I deposited my payroll check this past Friday and here on Monday none of my payroll is acceptable. Discover holds your check in this case for 4 days at which time I still have no funds available. I was told on Friday I would receive at least $250.00 of my deposit within minutes and 4 days later it's still not done. Discover Card simply holds your funds until they feel like applying it to your account. They do not understand most people get paid on Friday but they refuse to allow you to receive the funds until they see fit. DO NOT use their photo deposit for your payroll check as you will not see those funds for days!!

I would never recommend the Discover Secured Card to anyone. I put my own money on the card, but when I made a payment to replenish the funds I spent, I was told I have to wait 8 days before I can use the card again. That’s absolutely ridiculous—it's my money, and yet I can't access it. To make matters worse, customer service was rude and dismissive. I filed a complaint, and they told me they don’t even know if anyone will reach out to update me. It’s clear they don’t care about their customers at all. This has been a terrible experience from start to finish. I will be canceling this card as soon as possible and will never use Discover again.

They hold my money for their own benefit. In the meantime my bills don't go through because of that!!!! And the customer service acted like she don't hear me at all!!!! You guys are horrible!!! I will change my bank!!!! Good luck to you!

When I first got my Discover credit card, everything seemed fantastic. They offered me a high limit and attractive rewards. However, things started to decline after that. My biggest frustration is that they don’t allow you to lock your card, which means recurring charges automatically go through. This became a significant issue for me as a business owner. After closing my business, I lost access to the email and information tied to that account, making it impossible to cancel those recurring payments. I ended up paying $75 just to close my Discover card.

Discover has no caring for long-term customers. Been a member since 2008-17 years of lots money transactions, never a late payment, never any issues at all. Paid off my $21,000 balance about 5 months back. Had a zero balance since (kept the card for emergencies), went to use it yesterday for a small transaction, declined! Made me look like a fool- I had no idea that anything was wrong.

I spoke with Discover’s customer service over a year ago to get help managing my credit card. They enrolled me in a program that required me to make consistent payments to bring my balance below the minimum due. I stuck with it, paid every month for over a year, and successfully brought the account below the threshold they told me was required. They promised that once I completed the program, my card would be reactivated. I held up my end of the deal — but even after completing the program and continuing to pay on time, my card is still suspended. They refuse to reactivate it, despite everything. Bottom line: Do NOT trust Discover Card’s recovery programs. You’re better off going through a credit card settlement or debt recovery service that can negotiate a lower payoff, rather than wasting time and money working directly with Discover. They’ll screw you over, just like they did me.

Discover card has turned into a third world business not caring for those accounts that have been well established for numerous years. The Discover personnel do not in any way help or assist with disputes even with an abundance of evidence sent in the form of documents. Discover card has grown progressively worse over the years culminating into a company that is untrustworthy and hires people who cannot comprehend English as some cannot even speak the English language.

Remain away. I created an account with them, but they deleted it without explanation after just six months, claiming that there was suspicious payment activity. WTH? When I checked my account, I saw that there was a fraud alert on it. When I contacted, the representative informed me that my bank had returned a payment, but they had received it the second which is why they had canceled the account. No missed payments just canceled the account, never sent me notice. Worst ever .. Caused my credit score to drop for no reason. Such a scam...

Stay away from this credit card! I have been Discover customer since 2010, never late w/payments, and my credit score has been above 800 yet when I was scammed by the crook with his on - line offer and never received the item I paid for, the credit card dispute "specialists" paired with the scammer, and I never received my money back. They also make closing the account a lengthily process. As all other woke companies, I am sure it will soon go broke.

I will ensure to never use Discover again. I have canceled my account. It couldn't be more obvious that I was scammed. The website I made a purchase from didn't exist soon after the purchase and I never received the package, yet Discover says I did. I tried to tell them to go to the website they had recorded in the dispute results but they didn't.

I've had this card since 1998. This used to be a great company with great customer service. I don't know what's happened in the last few years, but they've been rapidly declining. I recently filed a slam-dunk merchant dispute and uploaded a mountain of paperwork to support it. Discover quickly rejected it. I don't think they even looked at it. I'll be switching to American Express.

Awful. They closed my account after sending me ONE email about some signature they needed for the IRS (I have never filed taxes. I am a student and applied under Discover's student card). They sent that singular email after I had received and activated the card, and had closed the account a month after while I was already using the card. And I only found out after trying to do a transaction and got pinged for a 'suspected fraud'. I've even tried applying for another card after being jumped around on the phone and it says I'm not approved even though none of my information has changed. Would give 0 stars if possible.

The cashback debit card is awful in every way, they push through transactions when your card is locked, they have tried to tell me that I cannot file a dispute on an unauthorized charge before only for them to file the dispute when I called them back at a later date. They have tried to gaslight me on the phone with contradictory statements which are proven incorrect via the recorded line, and once they realize I work in financial services and I start recording the calls their behavior changes dramatically. There are better options. You cannot even pull money from your savings account from an atm, the atms you can use are limited even in high traffic internationally hubs like the atlanta area by the hartsfield airport etc. When I first got my card it wasn’t this bad. Something has changed and I don’t recommend them at all. It's truly sad to see that a company who actually hires in the usa instead of overseas is dropping the ball, it's so embarrassing.

I was charged a $30 fee for a returned ACH payment. A payment was mailed to Discover and more than two weeks passed without the payment being credited to my account. I contacted Discover customer service and they advised they had not received the payment. I contacted my financial institution and requested that they stop payment on the post check. I then immediately I’m submitted an online payment, and Discover acknowledged the payment. Fast forward to the current statement cycle and I was charged $30 fee for a “returned ACH payment”. Called Discover “Customer Service” cIassic NJ in Phoenix and he would not waive this fee dispute my having reissued payment to them and paying off the account in full. I have closed my Discover account and will never do business with them again. Horrible customer service. May they reap what they sow.

Applied for a Discover credit card solely to do a balance transfer & pay off my debt quicker. Called to inquire about the offer, applied & was approved. Nothing was ever said about the amount I could transfer. Once I got the card, logged into my account & tried to transfer it would only allow me to transfer 970 at a time because the credit limit was 1,000. Tried to get a credit increase, denied. Why would I apply for a balance transfer if the transfer amount is so little? This would have been nice to know before wasting my time & having another hard inquiry on my credit report. I’m not going to transfer $970 when my credit limit is $1000, which would make my credit utilization high & credit go down. I wanted to transfer about $6000 to pay off in 18 months 0% APR. The offer is misleading.

I am frustrated, upset, and angry because of Discover Card. I attempted to make a large purchase. It was within my credit limit. I received a text from Discover necessary to proceed. The transaction was declined. I responded to a text message and an email that asked if it was me trying to make the purchase. I answered yes. I was instructed to try again. I tried a second time. I received the text confirmation number, entered it, and was declined a second time. I called. I was told it looked suspicious, but they would allow it to go through if I tried again.

I'm cancelling my Discover card. I've learned last year Merchants sued in a class action saying Discover was somehow acting against them, the Discover CEO was ousted and now they have swung way on the side of merchants against cardholders. I've attempted to get a charge reversed for a merchant who hasn't delivered and Discover didn't do a thing to represent me - as I enjoy with American Express and Master Card when vendors don't deliver. Discover isn't worth the headache, the fees, the somewhat eye raising billing timelines. Not a good card company.

Discover’s practice of charging return fees on payments that were already posted and cleared is unacceptable. They’re stealing people’s money by applying unfair charges after the fact. I had two payments from 12/15 and 1/15 that were cleared, yet they still charged me return fees. This is not how a legitimate bank should operate. Avoid Discover if you want to protect your money from questionable practices.

On March 3rd my account was hacked into. $1200 was taken from my savings. Discover insists that I took the money out and refuses to even investigate unless I can prove I didn't. How do I prove a negative? They won't tell me. This was all the money I had but they don't care. My account was compromised a year ago and the hacker changed my profile info to his own, so it's obvious it's possible.

Worse BANK EVER. Lost my wallet with my debit card. My card was used in a transaction in a large amount. Bank did not want to give me my money back. Said I have to get more information showing it wasn’t me who used it in order to have money put back. Sad. Do not go with this bank if you’re looking for a new bank.

Discover Secured card is Horrible customer service and they hold your money for TWO MONTHS after you close the account!!! Don't give them your money! Never even activated the card, they made me wait a month for the card and them changed the rules on me so they will have had my money for THREE MONTHS. What a RIP OFF!

This is the home of bad customer service. This is the home of a credit card that will lower your credit limit without your notice. This is a credit card company you should avoid. Bad customer service is the biggest problem. And they also lower your credit limit.

I have been a customer for over 30 years and have never been so irritated at Discover. They've charged me retro-active interest rate fees for signing up for promotions and now, a few years later, when the balances are not paid off in full due to them charging me these extra rates, they say that they can't do anything to help me. They say that I signed up for these promotions and therefore, I agreed to the terms. Yes, I agreed to a promotional term but not to paying whatever interest rates they want for an unspecified amount of time. They are ripping me off with charging these crazy interest rates and then acting like it's my fault that the balance is not paid off. I have never had a credit card company do this and am not sure how Discover can do this to a long time customer. Stay away from Discover!

I have automatic payments set up but apparently Discover thought it was cool to be like "Automatic payments + minimum due" so I ended up paying $242 instead of $130 which was what I scheduled. I have payments set up according to my budget. This really screws me over and caused my bank to overdraft. I managed to find out how to fix it but I am really mad about Discover doing this to me so when I pay off my balance I am closing the account.

Discover is a real scam, I am canceling my card. For years they take money that I never allowed the transactions. They have a strategy: the balance in the application is never updated so I get surprised with amounts to pay that I have no idea where they came from. It’s late so you can’t track. Also, the dispute is never an option. They make you tired. I called to say DO NOT ALLOW ANY MORE TRANSACTIONS. They said, "It’s not at our level." They reported wrong Information to Experian bureau credit and they said I have to call the bureau directly Experian to escalate. They are AGAINST their customers and not working in their favors.

Discover's dispute resolution process is awful. One of the main reasons to give your business to a credit card is to ensure that in the event you have an unauthorized or problematic transaction, the credit card company has your back. Discover does not have your (the consumer's) back. I initiated a dispute because a merchant failed to provide goods that I had paid for. I spoke to a Discovery agent, explained what happened, and the agent agree I had been wronged. The charge was reversed.

Discover advertises that you are not responsible for fraudulent charges. I have been a card holder for close to twenty years. Every billing dispute (about 4 now) has been denied by Discover. This company is "in bed" with merchants and puts their interests over their cardholders. I am still getting charged by a merchant after I put a freeze on my card and canceled my card! My experience has been a never ending nightmare.

Beware!!! Discover offered me a secured card. I gave them my account information and allowed them to take 1000.00 from me. They took the money from my bank and mailed me a card. I activated it and set it all up. A few days later I tried to use it and couldn't. When I called they said I needed to wait for an email because they needed to confirm my information. The email didn't come. I called again and was told this time that I need to complete tax documentation so they could verify my tax information as to my earnings. I cancelled my card which was not useable and was told that I have to wait for 2 billing cycles plus 7 days to get the funds back and the funds would be in the form of a check.

Terrible. Passwords don't work, and they do not apply payments to principal on credit card balance. All goes to interest which went up every month and balance never went down. Discover later tried to sue us out of spite for debt collection. Stay away!!

I sent two separate ACH contributions to my Roth IRA. Immediately after submitting the contributions, I discovered that I was not legally able to submit any funds to my Roth IRA for 2024 and 2025 and contacted Discover to see if the transactions could be stopped but was told that they couldn't. I advised Discover that these payments were considered excess contributions and was told by a Discover agent to submit two separate "IRA Distribution Form for Traditional, Roth, and SIMPLE IRAs" forms and to complete the "Correction of Excess Contribution for Tax Year" section of the form for 2024 and 2025.

Discover card customer service does not know anything that the customer are requesting, customer service agents need to be more trained in customer care instead of saying "sorry for that". I was on the phone with various agents and none can answer my direct questions,.

Stay away from Discover. I fell on hard times after being laid off and had to resort to a debt consolidation agency to pay my bills. Apparently Discover does not work with them and decided to send my account to collections and then proceed to take me to court for it. I was not informed of a court date or anything about it. Now they put a garnishment on my bank account that doesn't leave me enough money to pay my rent or get food for my kids. I have tried calling them and asked if we could work this out through payments but never got an answer. I am also a disabled veteran. They are a horrible company and they do not care about anyone, they just care about money.

This is the worst bank!!! Do you notice they do not have even reviews on Google???? They closed my account stating that they sent email to verify account - not a single email was sent. Customer protection department is a joke! They are never on the side of the customer!!!! Very are rude!!!! Terrible, never back again!

I've been a long time Discover customer--15 plus years. I saw an ad for DiscoverIT card with intro offer of zero interest rates and an especially great transfer offer of zero percent interest rate for 18 months. I applied and immediately approved. I read the terms and conditions very carefully before activating my new card and there is NOTHING, I repeat NOTHING about transfers between Discover products. I tried to transfer my balance from long term Discover card to my new Discover IT card and was told NO, NO, NO. I asked where to find "fine print" where it states that I cannot transfer balances between Discover products and customer service reached a road block. I will close all Discover products and take my fantastic credit to Chase or another bank that appreciates my business. I AM DONE WITH DISCOVER!!!!

I recently "discovered" that Discover Card is not pro-customer. If you have a dispute about a charge, don't bother disputing it. The Boston Globe charged me for a renewal before the renewal date deadline, so I disputed it because I planned on canceling. I wasted time disputing the charge and, somehow, Discover sided with the Boston Globe. They gave me zero insight about why they decided to side with them. In fact, in their denial statement, they actually said, "We also attempted to obtain transaction records from the Boston Globe," but were unable to do so. Why that is my fault, I have no idea. And this is from a loyal customer who has had a Discover Card for nearly twenty years. I would never get a credit card through them again, and you shouldn't either.

Discover will do a thing where you pay "x" amount of money to stay within your credit utilization range. They will then say they've gotten your payment (while keeping the right amount of money until it processes) and then you'll have to wait for an extended amount of days for things to catch up on record (balance & available credit update). Then suddenly, they will send all your money back and also say you owe more money than before. This will immediately impact your credit score within 3-5 days; but remember you must wait "x" amount of business days for it to reprocess. Then when you try and pay it off it will say you're not allowed to pay it off unless you risk eating your credit line. When you call customer service they tell you all the things you'd like to hear as a concerned customer, but they give vague solutions and nothing actually gets done.

Beware! Do not use Discover! I have had to make several disputes and they are absolutely horrible to deal with. If you have any issues they will not refund your money. I always thought I was protected by them but I was not. Do NOT use discover. Very scary to not be protected.

Very nice customer service. I liked the rewards. However, after three months of having a card, they asked for my tax transcripts from the IRS for two years, under the guise of identity verification. To make matters worse, they want me to release my tax returns to Equifax! Shameful. My tax returns have all my businesses' information and my children's SS#. What the heck. That is a crazy invasion of privacy. And they said the government requires them to verify my identity so they use tax transcripts. Discover, there are other ways to verify my identity other than asking for my tax transcripts months into having a card with you. Keep in mind they also asked for my driver's license, which I gladly shared. Disgrace excuse to data mine.

I would give zero stars if I could. I should know better with Discover. I should’ve taken a screenshot of the one time payment I made. They ended up just taking it out of the wrong account and said that I made the error. No coz that account doesn’t have that type of money in it. I’m done with discover. Paying the card off and closing the card. They always blame the customer whenever they make mistakes!!!!

They don't fix their technical problems. I filed a dispute for $317.98, and closed it days later when I finally got refunded. But there are STILL 2 credits on my account. It's ridiculous. No one seems to know what to do. No knowledge, no nothing.

Dealing with Discover has been nothing short of a nightmare. Calls not returned, advice varied depending on who answers your call. No one available to assist especially on weekends. Discover is a company that lacks caring about their customers and works with third parties that leave people abandoned. I would strongly advise anyone to seek any other company that knows what customer support is all about and Discover is a company not worth your time and/or energy.

Let me start by saying I have had the Discover credit card for 17yr. I made a purchase that was over 2000.00. I contacted the seller 1 day after the purchase and said I wanted to return the product and understand there was a 14 day return policy. There was nothing on the receipt that stated the policy it was a question I asked at the time of purchase. The vendor provided his return address, and I shipped it back requiring a signature. I waited 2 weeks and heard nothing back when I made 2 attempts to contact the vendor. I then submitted a dispute. Ultimately, discover found the vendor in favor because they produced a "no return policy". I was told this is my issue to work it out with the vendor. No product and No money! GO WITH AMERICAN EXPRESS, THEY HAVE YOUR BACK NOT DISCOVER.

I have a Discover card. A merchant used it without my knowledge or permission. I am trying to contest it but no one will listen or help me. I spent hours writing letters and speaking on the phone with no solution.

Discover engages in deceptive marketing practices using 3rd party websites like motley fool, where they offer you sub par terms for the same cards they have on their website. So if you’re like me and you do a month of research on cards, select the one you want and when you decide to open the card you Google the card you want (Discover It Card in my case), the third-party offer comes first. When I called to rectify it I was bounced between departments for over a month, with promised callbacks to no avail. No person ever responded to me, not a supervisor, acquisitions or customer service.

Did it ever happened to you that you believed you get what you ordered and paid with your credit card? Well, Discover Card does not protect customers against unauthorized or wrong merchandise and charges to your account. It always will decide in favor of the merchant because you gave the credit card information.

NEVER AGAIN cutting up my card. Nasty people to deal with. They actually had the nerve when they owed me a refund 1497.00 from I return. They kept portion of it to pay down my balances without my permission and I DID NOT owe a payment to them. They didn't give a crap and got nasty. I told them that's fraud. I don't owe you anything except the minimum payment and not for 24 more days. They sent the rest of the money owed to me in a form of a check and 15 days later I open up the envelope from them and NO CHECK! They never put it in the envelope so I still don't have my money. Called them and again got nasty and said, "Are you sure you don't have it?" Really, letter said "1 of 4 pages" enclosed is your refund. No check and 3 pages of whatever is missing. Still no refund!!

This is the worst bank account I've ever had. Not only have I been with them for over 8 months, I can't Zella, and Venmo doesn't accept Discover. It takes over 3 days for a direct deposit to be cleared. Don't do it, worst online bank..

Buyers Beware! We have had a relationship with Discover for 35 years. We have used our credit card for most of our household expenses totaling around $3500 to $4000 per month. Our account has been in good standing the entire time BUT when asked to support us, Discover totally let us down. On 28 Oct 24 I telephoned Blue Host and spoke to a Joyce regarding my desire to transfer my web hosting of a nonprofit from I-Page to Blue Host. I gave her my email address and my Discover card number to charge $149.99 for a set-up fee and $466.20 for 3 years of service. She stated she sent me an email with a secret code to get started only the email did not come in. After several attempts my wife asked her to read the email address to us—yep, she had entered an incorrect email address. She said she could not change the address- even though she had just entered it a few minutes earlier.

Had a concert cancel on me, so they refunded the amount, once I've received the full refund of $440.00, Discover decided to reclaim 3 dollars of my Cashback bonus. Which I never received any Cashback for the original concert purchase, they took it from what I had earned this month from multiple different purchases.

I had a fraud transaction on my card. Bluesnap.com and shopklix.net. This place never credited my card for 159.95 they stole and Discover didn’t help me at all. Needless to say, discover USED to be good about fraud on my card. They are awful now. I will be closing this card.

Discover does not protect your credit card from scammers. They are not out for you and do not protect your money. My card got scammed. Unbeknownst to me, a total of $150 was taken from my bank account after a one time payment of $0.99 for what was supposed to be a fun online test (apparently a "subscription" was attached)).

Discover is not reliable. They have not returned my refund for $600 overpayment despite weekly call and follow up. We paid our loan after a month of taking it because of the high interest. When the check was mailed it was few days after payment date so the ACH payment was taken out. There was an over payment of $600, they took daily interest for about $500 in total for 15 days. A month after, my refund has not been delivered, they said post office lost it. I requested for ACH refund and they said, it is not an option. I requested for expedited check mailing and it is not an option as well. This bank needs to be penalized for its predatory practice. If consumer will be late for payment interest is imposed on us, if they failed to return the consumer's money, no interest is given, they can't even expedite nor ACH the refund. It is absurd, my payment is ACH. They expedite credit card delivery!!!

I had a mix up with one payment on my Discover personal loan and they immediately froze my credit card and reduced my limit by half. Very bad customer service. I am current on my payments and my accounts are still froze. Do not recommend Discover credit card.