Discover Reviews

I was making the minimum payments on my account and the last few times that I paid they returned my money back and shut down my account without any notice. Then get a knock on the door with the sheriff at the door. Summons telling you that Discover is trying to take you to court. Worst credit company I’ve ever had! So stay with Capital One.

Terrible support and bank. Unprofessional agent. Would not recommend this bank. They are the worst. They are unhelpful and terrible to handle or solve the problems. I will plan to not use this bank anymore.

I have had my account for 4 years and have always been very happy with it. I have never been late or missed a payment; they raised my credit limit which was helpful to have available when my dog needed surgery. I purchased a home in June and used more of my credit (of which I have quite a bit) than I had in the past. Most of my open credit is unused and has been so for years. I don't close them because I don't want my score lowered.

Regardless of the evidence and/or documentation submitted regarding a dispute, Discover Card will always side with a fraudulent merchant, especially ** merchants who knowingly and deceptively misrepresent merchandise online.

Recently I had a dispute with a merchant regarding a charge on my Discover card. The merchant sells magazine subscriptions. They claimed that I had authorized automatic subscription renewals (seems to be how companies like that operate with the intention of cheating customers). I did no such thing and asked Discover to open a dispute.

I've had Discover for a very long time but it will be coming to an end. Discover disputes will always go in favor of the company which you purchase from unless you get a statement from them saying they will give you a credit back. How fair is it for me to dispute car labor done incorrectly on my vehicle, with a vehicle check from another company stating repairs are incorrect. Well Discover has rules that they still go with the other company and just squash their customers. I can't wait to pay off and close out this card 2025.

Nasty customer service. Super Higher fees. Dispute department is very bad. And and Apple Application sucks. To be avoided at all cost. Very very nasty people honestly. Do yourself a big favor and back up.

The credit card company Discover, should just be re-named a card shark. Their business practices are to draw you in and then if you get sick and can no longer work, they take you to court over and over again trying to get money out of someone who can't work. They prey on the innocent and show their evil when you are unable to pay it back. Stick to Capital One.

Terrible experience, the atms are not widely available so you have to pay a fee to withdraw money, you can't physically deposit any checks and the credit system is total garbage because they are an unsecured lender. Strongly do not recommend Discover.

Discover can’t follow through with their policies. I did a refer a friend and we never got our bonuses. When we called after three months, they said that we never did the process and they didn’t see any promotions. We were transferred 3 times then the woman said that she would go find help then she hung the phone up. They are low lives who simply cannot do their jobs. Why offer refer a friend, and not follow through. Pathetic customer service.

The worst credit card company I have ever encountered. Closed my account after being a card holder for 9 years due to not being able to verify my information because I was away on vacation when I received the letter and when I returned home it was too late. Also I do update my information on their app every tax season. I have attempted to contact them and they said there is nothing they can do. They have ruined my credit score.

This is a horrible Company to do business with. I filed a claim sometime early October against South Central Wildlife for $2,300 dollars. Discover credit my money back and when this company sent over whatever they had to send and the credit disappeared. I called Discover and they told me that I needed someone to come out and look at the attic and send over what they say I did that and sent them all the paperwork on October 28, 2024 and on October 31, 2024 the credit disappeared of $2,300 credit showed back up like they had received my paperwork.

I started out with $4,000 credit limit and automatically increased to $6,000 in 6 months. I hadn’t used this card in over a year and wanted a little activity on it. I used to pay my balance off, but 2 months ago I started paying the minimum balance and my payments automatically draft of my bank account now. Without any notice or reason, Discover decided that they were gonna drop my limit from $6,000 to $1,600. Dropped my credit score 24 points and I have NEVER made a late payment!!!

I spoke to a sweet lady this morning who was so helpful with every question I had, I wish I had got her name. My father recently passed away so I’ve been going back and forth to Las Vegas and forgot my card. She really made my morning today.

I have been trying to make a payment using a debit card but I either spend an inordinate amount of time in robo call hell, or speak with a representative that has no clue and sent back to robo call hell. Been trying for almost an hour to just pay my bill. Not sure how they stay in business.

We were on an extended vacation. The bill came and did not get paid because we were not there. I called as soon as we returned and because we have been loyal members 35+ years, she said it would be added to our next month's bill with a late charge and fees. I said fine. She checked our record and said it had been more than 10 years since the last late payment. Today we again are traveling and my card was refused. I called again. This time I am told the card can't be used because of the late payment. So here I stand at the hotel desk embarrassed. So being a loyal 35+ year member means nothing. Rules are rules. We will pay the bill when it comes and find a new credit card...Maybe Mastercard.

Their customer service sucks and seems they don't know what they are doing. Don't waste your time when they send offers. My recent experience with their application for personal loans was extremely bad and l have not had such an experience with any credit company. They sent me a letter after qualifying based on the online application and going through all the steps only to send me a letter after 48 hours that doesn't even applies to my situation. Their representatives simply don't know their job. L have advised myself accordingly.

Discover is an okay company to deal with as long as you are a robot. As for humans with real-life experience...RUN! I have (or I guess I should say had) a Discover account that they closed without my knowledge because they sent me a 'verification' that I did not respond to timely. Mind you, during the time period in question, I was in the hospital and incapacitated. I have never been late on a payment, not even during my hospitalization, but their response is "too bad" under no circumstances will my account be re-opened. I am making it my business to ensure know one that I know does business with Discover!

I have had a Discover Card 3 years. I had a company bill my card as an unauthorized charge. Discover agents were horrible, shut off my account, hung up on me. Management had to fix it. After several calls the issue was resolved and my information went to the complaint department

By far the worst credit card to use. They don’t take care of Business. They just keep passing on to someone else. I tried paying money on my daughter’s card so she could use on a trip. They said would be ready in two days. Now it’s been 1 week. She is already headed back from trip and still hasn’t gone through.

I am sooo LIVID right now!!! What I say from here I PRAY some very knowledgeable LAWYER views...This company just tried to charge me OVER 50% interest on my $8 balance!!!! I paid the account down to $10 owed, just because they did some flaky crap earlier, so to ensure they didn't ding my credit on $10..I paid $2...Just so happen to look and they tried to charge me $4.20 INTEREST ON $8!!!!

I opened an online CD with Discover. Their app was not able to facilitate the fund transfer from my bank (Chase). I had to transfer funds through other apps and after I funded the CD they changed the rate (to a significantly lower percentage). Then after being in the phone with a rep for 40 minutes, I was advised I could withdraw the funds for 7 days. When I called back on the 7th day to ask for the funds to be withdrawn and close the CD because they didn’t honor the rate I was offered when opening the CD, I was advised that the rep I originally spoke to had made a mistake and I wasn’t able to withdraw the funds for 61 days. Absolutely despicable business practices!!

Well, I received my statement the other day ending oct 4th. Due date is Nov 1st. Paid $400 on the Oct 10th. Shows pending online. But still shows I owe money on Nov 1st. Called them up. They said, "Oh, you should never send your payments that early and now that will go toward you paying your last statement." WHAT? I made sure it says you owe money by Nov 1st before I sent the money. On any other credit card would say YOU DO NOT OWE ANY MONEY AT THIS TIME. If you are sending it early. TG I checked. I would have been late thinking Nov, 1st was already paid. Also I transferred to the no interest for 18 months. So I would have been screwed by being late because they put this towards My last statement because I paid it within a few days AFTER the end of the cycle. So they told me not even to pay the minimum I owe for Nov. 1st till a week before it is due?? How crazy is that?

Beware of using this card. Of all the cards I have, this is the worst. Unless you are doubling your monthly payment you will notice your balance actually go up with out making purchases. My balance has risen $1,000 over the last 3 or 4 years when I haven't even used it. No other card is this way.

I have had my Discover card for about 15 years and barely used. So the end of 2023 I started using the card because it had 0% for 12 months. In January of 2024, I used my card with a merchant who are crooks feeling that Discover would have my back and get my money back. This process has been stressful and tedious. I will be closing my card soon and going with credit cards I can trust such as Amex. Beware that if you have to dispute something they will not have your back!

I value my relationship ship with any organization that grants me credit. I have previously had an incredible relationship with Discover. That recently changed! I received a preapproved offer for an additional card with miles rewards. I accepted and the card arrived approximately two weeks later. Soon after I started getting request from Discover for access to my Income Tax Records. They already had all my personal information, including employment and all my debts. I declined allowing them access to my Income Tax files as they contain unrelated information that isn’t needed for their credit determination. They closed my new account as failure to comply. I just received a letter telling me that additionally they closed my longtime Discover Cash Back card. I have had it for years with a credit line of $11,000.00. I have never been late, missed a payment or encountered any account issues. There was no warning and zero empathy by when I called to inquire.

On June 22, 2024 I was scammed for an online purchase from China in the amount of $142.70. The merchant fraudulently advertised .22 caliber magnum switch guns for $69.95 each, so I ordered two for a total of $142.70. The merchant had a 30-day money back guarantee if not satisfied. I received the switch guns on July 12, 2024, and come to find out they were overpriced plastic toy guns, so I immediately emailed the merchant requesting a refund. The merchant was only willing to give a 5% refund, which would have been approximately $7 or $8 dollars, nor was the merchant willing to give me a return address for the switch guns.

Discover does not care about their customers and constantly raises their minimum monthly payments while also charging more than a monthly payment in interest, even if you've gone months without using the card. Their only goal is to make more money and put their victims deeper in debt.

Zero Stars – Discover Will Not Stand Behind You. If you have a dispute over a product you purchased with your Discover card, beware. While you can file a dispute, they won’t tell you that you can only win if the merchant doesn’t respond. Discover seems more interested in protecting the merchant than the customer. We had a dispute with a company that provided a defective product. Despite having proof that the company agreed to refund us— including a signed document from the owner—Discover refused it, claiming they couldn't consider it because it was a legal document, and "they're not lawyers." This was ridiculous since the document was meant as proof, not for legal judgment.

Discover Personal Loans has truly lost its way. I've been a loyal Discover customer for over 10 years, never missing a payment on my credit cards, mortgages, and HELOC loans. But over the last 3 years, something has changed, and not for the better. Recently, I applied for a consolidation personal loan to simplify my finances during a temporary setback caused by external factors. With a credit score of 760 and a DTI around 31%, I expected Discover to understand my impeccable history and be willing to work with me. Instead, I had to deal with an underwriter who could barely understand English, which is a huge issue when making a major financial decision. This isn't a criticism of where they're from—it's just a fact that clear communication is crucial in underwriting a loan.

My wife and I and daughters all use Discover cards since 2007 and they had been great with a few hiccups over the years. But just recently I got scammed by a moving company and I used discover card to start this process and the moving company was a scam and discover card did not help me at all. So be aware they are good for small purchases only.

Filed a claim for fraud charges, canceled the account and they allowed charges to still go through and I had to pay it back!!!! Terrible customer service .... No one would explain how charges could still be allowed to go through on closed account.

I have been affected in the hurricane and out of all my credit cards Discover was the only one offered to skip this month pay. They went ahead and helped me right away. Great customer service and card.

Don’t ever dispute a purchase in Discover, they will always be against their client. Fox Rental Car lied to me about what they are charging, when I dispute my deposit back, Discover said was legit. Even when I send all I have to prove it wasn’t, and after a 6-year account without any dispute, next time I will record every single transaction I do for a rental car. And I’m definitely canceling my Discover.

Don't like Discover cause they seem like a scam company. Never missed a payment, but I question one thing and they raised my monthly payment $200.00. I'm on a fixed income and they won't work with me.

I thought Discover Card was great, until they told me the charge for an damaged item, I would have to pay to send it back in order to get a refund. So they agreed with seller that I have to pay to return item, and then seller would refund item...but I am out the shipping charge and Discover Card is ok with that.

I called to pay off my large balance, they offered zero assistance other than taking off the last month's interest. They should have never allow me to have such a large credit limit. The representative I was working with quoted me the incorrect payoff balance. I paid what was told and now owe more because they did the math wrong. When I called back I was again given zero help and was told there is nothing they can do for me. This company does not value the customers, they want your money and will continue to increase your limit to the point it gets out of control. You will end up paying them back until you die and then come after the next in line to get them money.

The worst credit card ever. I made payments on time every month. Went to pay it off and they will not give you any discounts or help. Their only concern is making all the money off you as they can. *Awful people. Greedy. Would never recommend.

They closed my account and never notified me with any documentation. I found out when I called to see why it wasn't working and was told it was closed. If you are going to close an account the account holder should be notified. For this reason, I will never work with them again.

Well I always pay my credit card bill months before it is due and I just sent in a payment. I have excellent credit and they declined my card for three dollars and charged me a late fee of 29.00 dollars. This is second time they have done this to me. Think twice before applying for this card. I will probably keep card but I will be very selective about using it.

Highly not recommend for a credit card to use. Only good to use for transfer, but there are better cards out there. I wouldn't use this card anymore. Walmart screwed me over on my account after I returned a product that was unopened and Walmart now locked my account. I have no access and I contacted Discover to help me dispute the transaction. I provided shipping labels. I even paid for the bag/box that was sent over to Walmart for FedEx to make sure the item was sent correctly. I even took photos at FedEx to make sure because this was a high ticket item.

Discover use to be very good until recent years that fraudsters started running it. I was place in a payment plan to catch up with the high interest rates but yet discover went ahead and kept reporting me to the credit bureau as missed payment. Sad. Rude customer service and unprofessional account managers with no accounting knowledge.

Very rude people. Bias had a legitimate dispute. Discover people don't help at all. Called the seller. Really helpful and solved my issue. Discover is totally useless for me. Very very unprofessional treatment. I got another issue a week ago. Same treatment I got.

If I could give it less than one star I would! Discover card is the worst credit card company there is! They will ask for your tax return close your account if you do not give it to them and god forbid you’re ever a day late….your phone will be ringing off the hook like you stole the whole company! The fact that they are a huge company and cannot process a debit card payment and you have to wait 3-5 days for the money to be withdrawn is absolutely ridiculous! They need to get with the times! No one wants to wait that long for money to be pulled from their account! No one wants to be watching their account like a hawk because this huge company who will blow you up for a day late but yet can’t take your money!

Please stay away from Discover. They have horrible customer service and you will never get a consistent response that will help you with your banking transactions. This organization have shady practices so be careful.

I was initially attracted to the Discover Card because of its claim of "no foreign transaction fees." However, I was disappointed to find that the card charges a much higher foreign exchange rate than what was originally shown at the time of purchase. This effectively cancels out the benefit of not having a foreign transaction fee. I filed a few complaints and provided proof that a much lower rate was shown at the time of purchase. However, online customer service couldn't explain why I was charged a different rate and simply blamed the merchant. After filing a complaint with the CFPB, the CEO's office responded by saying they can charge whatever exchange rate they like per their terms of service. This is definitely the worst bank you can ever deal with. If you're planning to use this card for international purchases, be aware of the hidden costs and lack of accountability.

Awful!! Can't believe how low Discover Card's customer service has sunk. Called customer service on a Saturday morning, was on hold for over an hour, when the rep finally came on the line, it was someone from another country whom I could barely understand. He spoke so fast and so garbled and kept asking if I agreed to what he was saying. After several of these do you agrees, I told him I could not understand what he was saying, and that I was ending the call. My question was quite simple having to do with billing. Why haven't Regulators stepped in to see for themselves how bad this company is operated.

Poor payment portal. Need to be audited. Addressing the issue - lack of service in spite having the US based customer service - customer service offering wrong info in dispute. Not sharing with card member dispute info.

This company has to take a look at their work lower level staff and call center. Rude, Nasty, ALMOST LIKE THEY ARE ASKING US TO CANCEL OUR CARD. Certainly losing business for the company. Their disputes and investigation team are twenty year old kids without a college degree. That's how much this WOKE company cares about its clients and why the reviews are unanimous

If I could offer a -10 I would. Here we had a good relationship, I thought. Until Discover writes me an email demanding that I fill out an authorization for them to peruse through my tax returns. They want access to this! They cut off my 2 cards which I was was using to the tune of about 20K per month with up to date payments (My CS is over 770). To hell with their crap. I am using others now. Discover - you can scratch and I would suggest everyone just cut up your discover cards and watch them fold.

Horribly disappointing experience. I was using Discover card for years and recently had some fraudulent charges that I tried disputing with Discover. I was plainly misinformed by their employees about the steps I should take. This misinformation provided by Discover employees led to my credit score being demolished after years of keeping perfect payment track. They offered an apology and nothing else...

Worst bank on the planet, avoid them! They have 0 to offer and only want you to set up your direct deposit and give them money to use, the cashback is pathetic and most times you must contact them to add it as they conveniently "Forget".

Do NOT use this company, they are an absolute nightmare. I opened an account with them a few days ago and my phone number changed and they ABSOLUTELY refuse to update my account with my new phone number unless I go through a notary process to verify my identity, even though I verified it through their process of answering security questions and uploading my Driver's license and taking a selfie photo through the customer service portal.

After being customers of Discover Credit Card Services for more than 6 years, we just found out our Credit Card was cancelled. We had no help at all on the phone. "Not using as intended." As a customer with very good credit and 100% paying our bills, we should be able to decide how and when/where we use the Credit Card at our own discretion, no? That is at least how one uses cards to shop and purchase services. At least we thought so. Vague statement by agent on the phone: "I have never seen such a remark on anyone's file." We have cut up and destroyed our cards and continue on.

I missed one payment on accident while out on vacation. I make the payment when I get back but am told it wont go through for another 2 business days (usually happens immediately). And that I can't use my card until the week of business after that happens. Effectively, they froze my card for a whole week for being barely late on one payment after years of regular and on-time payments. And the customer service I received when trying to get it resolved was absolutely horrible. Closing my account immediately and getting a new card elsewhere.

I don't know how you still have people working for your company. Your managers can't handle when their reps have questions regarding their quality scores and say they are being argumentative. Even when their scores are great you still criticize them for having perfect scores. When they say they don't know what can be done better you then again criticize them. How do you expect people to stay working for you when all your managers do is criticize and never say hey you got good scores great job. Here's a reward for good work done like other companies do. And then when people quit you can't be bothered to respond to them to get the equipment sent back. How professional is that? What a joke Discover is.

Don’t get this credit card if you can - I have had way too many problems with this company. I never got my rewards either. Their customer service is terrible too. I hope they get better. But my experience was horrible with them.

You end up with a girl who is more interested in taking care of her crying baby than helping you.. Nobody can tell you where and how to post documentation for the problem. Then you get the notice that they sided with the merchant. That is pitiful for the buyer who was scammed out of his money. I am not using the Discover card anymore unless it is a face to face transaction with 5% cash back. I need to be safe. Other credit card companies have way better customer service and they help you, and you can talk to knowledgeable people.

I called to apply for a card only because they do not charge foreign fees and I am traveling. 2 Weeks later the card has not arrived and I am leaving the country. I call and find out they didn't write the right address so the card never arrived to me. I live in a 200 unit building so when the unit # is not on the mail, the mail is left on the floor. They didn't want to spend $1 more to send it priority mail or any way you get a tracking #. Not a serious bank!!!!

I recently faced an issue with Factor75 that has left me extremely dissatisfied. This is the second time I’ve called Discover to dispute a charge, and I was informed that the charge cannot be disputed at the moment due to their 15-day dispute resolution policy. When I requested Discover to block any future charges from this merchant, I was told that they couldn’t do that either. I am definitely planning to close my account with Discover once all this is resolved.

I would not recommended them. They told me if I signed up for auto draft for my minimum payments they would give me a $70 credit. After one month I didn’t see it so I called and they said it would post after two months. Two months later I still didn’t see it and inquired and they said they “didn’t see where I was due a credit to begin with” when I had the previous conversations in writing. Would be great if they do what they say.

Discover is the worst of the worst credit card companies. To keep this short I called in on 06/19/2024 to make a payment and right away when Kenneth heard my voice his demeanor changed, he began to very rude as if he didn't want to take care of me. Asking me tons of questions as if I wasn't the Holder on the account and I asked, "Why are you asking me all these questions?" He stated we all do, I stated no they don't, he stated, "Yes they do, if you don't believe me you can hang up and call back." How ignorant for someone to say such things. I stated no I'm not calling back so go ahead and take my payment Kenneth please. He immediately hung up the phone, wow Discover Card is terrible. Its employees are double to being terrible. One day they will regret their business & employees being so rude, they feel they're too high to be reached. Well let me inform you YOU'RE NOT HIGHER THAN GOD ALMIGHTY!!!!

As a former customer of Discover Credit Card, I am compelled to share my disappointing experience with their abysmal business practices. My account was unceremoniously closed by Discover simply because I did not use the card for a few months. This heavy-handed approach to customer relationships is nothing short of appalling.

I have been a Discover Card user for quite some time now and have had little problems. I have never needed to dispute a charge, until now. I went to stay at a dirty bug-infested hotel and the hotel refused to give me a refund. My last option was contacting Discover. They refused to even open a dispute, stating that the hotel “provided a service” and it was my problem that I was not satisfied with it. Would you be comfortable sleeping in a bedbug-infested room? The hotel still charged my card, even though we did not stay there. I am very disappointed in Discover and their lack of respect for their customers.

On 6/17/24 we contacted the Discover card customer service department and requested a letter stating that we paid off our Discover card. This letter was requested by a bank that we applied for a builder's loan with. When we made the request, the service rep stated “we’ll e-mail that right out to you”. It never came. June 18th we called again in the morning and were told the same thing. The letter never came. We called again at 5:30 and we were told it takes 48 hours. Why does it take so long for a simple letter? There is absolutely no sense of urgency. They don’t care that this was an important request by one of their customers. I might add that 2 other credit card companies sent their letters out immediately. I’m starting to wonder if this is the right credit card for me.

I have been using Discover Card for the last 33 (!) years, and my wife for the last 35 (!) years. They used to be a great credit card company with great customer support ... but not anymore. Discover card DEFINITELY looks out for their merchants, not the cardholder. My wife disputed an airline charge and even had the physical letter from the airline stating that they would refund the charge but they ended up not doing that. Even with the letter, Discover Card refuses the reverse the charge! We are in the process of moving online accounts to a different credit card and will then cancel the card. Customer loyalty used to count for something but not anymore.

I got this card for the 5% cash back on all purchases. It even confirms this on all the forms they sent me but on my app, it says the 5% cashback is not available. So I've been spending a bunch of money on this card, and just now I realizing they lied and I'm getting no cashback. I will be going back to my Capital One card. No issues or lies with them.

My relationship with Discover started out great. I always read and heard the advertisement “You’re never responsible for unauthorized purchases on your discover card.” THAT STATEMENT IS A COMPLETE LIE! I never thought it would apply to me and hoped it never happened. Well, unfortunately it now has happened and as helpful as they seemed and sounded in the beginning, they have now done the exact opposite. Basically saying, "We are done investigating, you are now responsible as we have put charges back on your card from months ago. And if you choose to continue your fight and investigation you will need to do that on your own."

I've had my Discover card for 5 years. I use credit cards because I like the convenience and always pay off at the beginning of the month. After this last debacle won't be using my Discover card. Last month they sent me a notice of late payment. Which is impossible since I pay my balance off each month. When I called support they couldn't explain why I received the notification. They brushed it off by saying since they forgive the first missed payment there was no late charge. So I'm good. (RIGHT!) Truth is Discover should not have flagged me for a late charge in the first place!

Discover does not protect customers from unauthorized purchases. Their customer service puts you off. Even after canceling the card they will allow a charge to go through charging you for services not rendered.

As others have noted, they are a lot less concerned about consumers than they are about their merchants. I tried to cancel a transaction placed with a fake company seconds after I placed it with both the company and Discover before the purchase could have been processed. They held it temporarily then charged me again later when I wasn't paying attention. I just had a plumbing company (Young's Water and Sewer) make an unauthorized charge. I contacted Discover seconds after the company did this and Discover said I had to wait until it went through. I then saw that Young's Water and Sewer had overcharged me for the deposit by $500 (they had my credit card number because I had used it to pay the deposit). I have frozen my account and plan to close it.

I absolutely hate Discover. I have reached a point in which I don’t know what to do. 2 months ago, I applied for an Secured Credit card, in the hopes to improve my credit score. I signed up on Credit Karma and got approved. When signing up, I clicked the button to deposit $100 into the account. I remember clearly there was an option to click:

I had to dispute a purchase and Discover refused to give me my money back/rule in my favor. And when I said to them, I'm the customer and I'm the one with purchase protection. Their response was, "Both you and the merchant are our customers" as if the merchant is paying my interest charges. They are not compassionate to the issues of their customers and in comparison to my other credit cards are down right disgusting.

I used to brag to people how good this credit card was, but I take it back. They closed my account without notice and when I attempted to get ahold of them the guy said "unfortunately not sorry about the misunderstanding"

If you rightfully dispute a charge, Discover will do nothing to help. I no longer trust them. As soon as my CDs mature I am moving my money elsewhere. What is the point in using a credit card if you can't dispute a charge?

The customer service here truly sucks. I don’t know why, but the women here are always hostile. Don’t know what they have going on at home, but they definitely shouldn’t take it out on customers :(. Definitely not professional and it just makes me feel uncomfortable. At this point, I feel like if I have an issue I’ll just figure it out myself rather than calling and asking for help. It’s completely pointless and they make you feel stupid.

So I've had a discover card for years and have always paid on time. I was given a free card upgrade to a new card design. I accepted and my replacement card arrived, when I tried to activate it it told me I had to speak to customer service. I called and they said they closed my account because they sent me an email (that went to my spam folder) to verify my address and phone number hadn't changed. So they closed my account, when asked what do we need to reopen they said, "Nothing. Account is closed." That's it...wow what a piece of crap company that does this to loyal customers...#discoverSUCKS

I have had a couple of Discover Credit Cards for about 8 years. I paid both cards down to "0" balance. I did not use the cards after paying them off and DISCOVER closed one of my cards without even letting me know. I went to use my card and it was declined. I called DISCOVER and they told me they closed the card a couple months ago. I asked them; how can you close my card and not have the professionalism to reach out to the customer and inform them of what your actions are. I ask the Rep how I fix this, and she said, "You have to reapply." I said I do not want to re-apply.

I have a $12,000 limit on my card and use about 50% roughly every month. I have a 700+ credit score. I also pay off this credit card, regularly. When trying to see about getting another card for my business, I was told no. No explanation given, just no, sorry about you. When I called to see what was going on, I was apparently annoying them. I will be closing my acct and never doing business with discover or that SOB's that bought them. Customer service is gone and a thing of the past! They forgot who was paying the bills around there!

Discover has predatory practices and gives large credit limits, then will not negotiate with debt consolidators if they own 70% of the debt. Trapping those with debt with them, to be stuck with them at their extremely high interest rates. This is hostile as many people would benefit from this negotiation.

The absolute worse and most frustrating process I’ve ever dealt with. The entire purpose of opening this account was to build my credit before moving in a couple months. Discord FALSELY approved me let me make a deposit and use the card for a month then closed it without any warning due to “verification”. I went through the verification process 3 times with different customer service agents and I ended up with a closed account after 1 month and dropped my credit by 28 points.

I have been trying to resolve fraud charges placed on my card since October of 2023. They tell me they removed them but they didn't. Every time I called I got a different answer. When I call, they pass me around like a pack of smokes in prison. No one knows what is happening. I keep getting different answers. I sent a certified letter explaining the issue...crickets. No response.

I just stared a new card with Discover and I was reminded why I stopped using them in the first place. Not ONE customer service representative could give the same answer. Every time I called I was given different information. I was told, it's based on credit score, my score is 830. Then they said it was based on my income. Then they said it was based on my payment history. I have not missed one payment on any of my 5 credit cards in over 34 years of credit history. Then I asked to speak to a supervisor. They said they didn't have one available. I was told one would call me back in 24 hours. So 24 hours later I called to be told, "No it's not 24 hours. It's 48 hours." Then 48 hours later I called again to be told no is 72 hours! Get it together people! I did get a call back after 4 days but I couldn't pick it up and it went to voicemail except no one left a message, so I had no idea who I was suppose to call back.

If I could give this credit card company a -0 I would. I have never in my life had a credit card company who did not support their customer when there was a fraudulent charge. In December, we were using a lot of Amazon for Christmas presents and also several different credit cards and I lost my Discover card, and went to make a claim and they put the money back in my account only to have it taken back out again. When I called them, they told me that it was because they had a recording of me changing my story saying that I gave my card to my son to use which was a lie, my son has his own Discover card which is backed off of my card so he wouldn’t need to use mine.

I have been a Discover card member for 24 years. Tried to use my card today and it was declined and I was forced to pay for my $1400 dental bill with my ATM card. I did not know at the time that they put it on “Fraud Alert” without my knowledge. Complained to their customer service department that they gypped me out of $35 in cash back awards. Basically told me they could not do anything which was very disappointing. They really don’t care about their customers or how long they have been with them. I plan to show them the same loyalty they showed me. There are cards out there with better reward programs. They really don’t know how to take care of their loyal customers.

Worst company on the face of the earth. As other reviewers have stated, we had a dispute with a merchant, provided detailed documentation proving our case, I had several Discover representatives tell me Discover should settle in my favor, Discover did not. We took this all the way to arbitration only to learn Discover does in house arbitration. So a non biased third party didn’t look through this case. They looked through it and decided with themselves. They are allowing a merchant to steal $392.08 from my family when we have $16,000 in equity with their bank.

We were charged for a service not provided. Discover just took the merchant word for it and never asked for any kind of verification. At the same time all our reward points disappeared. Discover was very dismissive until we insisted that they listened to the voice recording on file about the rewards points. They agreed that the voice was not ours and said they would restore the points but have not yet. They sent a letter about the charge for the item we never requested or received and said if we didn’t pay it, they would start charging interest. We have been big customers for a long time. Dusting off the Visa card and changing all the auto payments tonight.

I spoke to at least 10 managers and they all treat me like I wasn't a valued customer. They hold my money for more than 90 days and never help me the way they should. I will totally not recommend this company. Totally a horrible service.

This company is really a PIA. They are keeping my money hostage. Keeping my identity locked to a phone number that doesn’t belong to me. I tried several time talking to customer service. My social, birth date, and every other identifying information WAS NOT as important as a phone number.

I've always wanted a Discover card. Well I finally got one and after having it for almost 5 years they are putting me under a review saying the reason is because I haven't filed my taxes since 2021, which is a lie. I believe that they target certain people and although I've turned in all the review paperwork, which required notary (who obviously didn't do it correctly). Now they are threatening to shut my card off. They said it was my responsibility for what the notary put at the bank and that it didn't match my bank statements that were sent (dollar amount for account ending balance). This is not my fault that the notary did not do her job correctly and making me go do It again when I have clearly filed my taxes every year.

I applied for Discover card and was accepted with an $8000 credit limit not long after I received the approval. I also got a request from them in my email asking them for access to my IRS information which I found to be a little bit discerning, but because I wanted the credit card, I went ahead and I gave them access, so then my card was activated no problem so I thought I use my card with the department of motor vehicles at one charge for $654. Then I want to make another charge and was declined so I called Discover to ask why it was declined. I need to go through another verification process. I’ve given them access to my tax return for for a couple of years, I didn’t understand what more information they could possibly need so then I was told to call back in the morning because the department need to talk to was closed when I call back in the morning, I was told that my card was fine no problems. Use as usual and I shouldn’t have any issues.

I am a customer with Discover for form years. So is my wife. Both we have large CC with this company. When business is good and cash flows, Discover is great. They give you plenty of credit. But for heaven's sake, do not have a problem or fraudulent transaction. When I opened a Shopify store I used my Discover card to add the DropShipper Spocket to my apps. For 288 dollars. Which is a fee for 1 year. I then worked on getting this store going, but it did not work the way I wanted. Lucky for me, the renewals for the second year was declined because I did not have enough funds on the card. I then spoke with Spocket and was told, that the payment was declined and I am not a member anymore. I was happy to hear and took of my payment method of the account (Discover) thereafter.

I was shocked when I applied for this balance transfer card with excellent credit to do a balance transfer of $10,000.00 and an income of $118K and they approved a credit limit of $3K. DO NOT waste your time and have a hard hit taken on your credit report!!

which aren’t free (see monthly fee). “Customer Service” doesn’t exist. No live CS representative; no chat line or email address. CS requires on-line log-in, which you CANNOT do without signing up for credit monitoring. I cannot monitor my account for purchases, balance, payments or possible fraudulent use of card. I filed “Bad Business Practice” complaint with Federal Trade Commission.

Had a dispute with a scum company, they said they would investigate it, they didn't, they said they would keep me informed, they didn't. They gave my money to liars and thieves, so what does that make them??

This credit card company lacks professionalism and imposes unexpected charges if daily monitoring is not conducted. Surprisingly, they have the authority to abruptly close accounts without providing any recourse. This particular Discover credit card ranks among the worst I have encountered, and I am grateful to be free from its services. I discarded the card and strongly advise against using Discover credit cards due to their fraudulent practices.

I had my card for three years. I got sick in January of 2024 and fell behind two payments. I willingly entered the Discover "pay off" program as I was anxious to pay off the debt. I paid off the whole full debt within two months. Despite a pay off of less than one year, Discover continues to hold my account under suspension. Recently, I discovered fraudulent activity on my account. Because they removed all control over account management functions, I cannot replace cards, change authorized users, or utilize any other card management features to manage the fraudulent activity. Someone initiated a fraud review and Discover cannot account for that. Someone tried to apply for a credit increase in my name and they can't figure that one out, either. I have spent countless hours passed around customer service/supervisors/fraud and back again with no resolution.

I filed a dispute against a company that refused to refund my money after I canceled my service and returned the equipment within 2 days (which was well within the money back guarantee). Discover automatically sided with the scam merchant without even giving me a chance to provide my evidence! So upset that I closed my card with 10 months to go in my introductory 0% APR period! Buyer beware that Discover lies about the no fraud liability they advertise and automatically sides with scammers!

I recently switched bank accounts. I had a zero balance on my Discover card so hadn't updated my bank information yet on my account. I initiated a balance transfer last week. Your form did not mention the bank it would be going to - if it would have I would have caught my mistake and fixed it. Today I get the email that the $9k posted to my Discover account and that email listed my old bank which is how I learned of my mistake. I (mistakenly) thought I could call Customer Service and get this fixed. NO. So to recap we are at a point now that this could be fixed and I not out money (and Discover not out money as I am **NOT** paying back money I won't get. I will just file bankruptcy.

Beware of Discover's Shocking Lack of Customer Empathy. I recently had the most astonishingly terrible customer service experience with Discover, and I feel compelled to share my story to warn others about the shocking lack of empathy and assistance I encountered. Despite being in the Executive Office of Customer Advocacy, Joseph and the Discover team openly acknowledged their ability to address a late payment issue but callously declared they were "unwilling" to do so. This response, or lack thereof, left me questioning if their role truly encompasses advocating for the consumer. The complete disinterest in resolving my concerns reflected poorly on Discover's commitment to its customers. It is abundantly clear that they have zero regard for their customers as individuals. This has undeniably been the worst customer service experience I have ever encountered.

Reported a stolen card with 2000 in unauthorized charges, they applied a credit then took it back when I refused to contact police myself. This was after 4 call center agents mocked me and hung up without making any notes in the account. Only when I asked for a supervisor did they take any actions. Don't trust them.

I have a Discover credit card. No problems. I have a Discover savings account. No problems. They touted their new cash back debit card. I applied and was sent one in short order...but...problems. I tried to activate the debit card online. Problems. I called a rep and patiently, verbally verified my identity. That wasn't good enough. He wanted me to upload my driver's license (and possibly other docs) but I interrupted him only to say no. I understand that they want to protect themselves, but uploading docs online wouldn't protect me. I told the rep that I was going to cut the debit card into pieces. I did so immediately after the call.

Discover card doesn't care about the customer at all in a dispute. They raise interests a LOT after the first year and if you ever have an issue with anything, you'll find yourself alone. Also surprising number of stores don't accept Discover, maybe they had to deal with them directly, because that's not fun.

I found that my Discover credit card ending with 3589, was getting charged 3 times for the same channel for the same month. I called up both Hulu and Peacock, they told that they were getting money from discover only single time. Unfortunately this have been happening for months.

I had 2 disputes with 2 separate merchants. In both cases Discover sided with the merchant. I spent 2 half days corresponding with Discover and the merchants to fix the errors. Subsequently, I was credited but I should not have had to prove my case 150%. Note to fraudsters. This Company is for you, as the Company doesn’t investigate questionable charges.

Deceptive and total lack of transparency! Don't explain what interest saving balance will be, and no way to have payments go to interest accruing balance. Instead, they apply all the payments to the 0% interest balance transfer. No way to pay off the interest accruing purchases other than pay off the entire balance, including the 0% balance transfer. What is the point of a balance transfer unless you buy nothing? Fine, but they need to explain all of this carefully. The card stinks. Notice the difference in number of stars between this and Chase. I have loved Chase, always very clear and transparent. Never had a problem. Also, Discover has an upfront fee for balance transfers which isn't made explicit until the transaction is completed. As I said, lack of transparency!

I applied for student credit card. Send in my student ID and my ID and my social for verification then I was approved. Then a week later they blocked my credit card and ask me to send in IRS tax documents and three months of my bank statements and get it notarized by the banker so I did that then they said I had it wrong 3 times and I had to send in by fax for the fourth time and I’m on a fix income. I can’t keep doing this. Worst credit card. I don’t like them!!

Tried to claim a charge that had been charged to me twice but since I had "authorized" it over the phone they said it was legit. Asked me for paperwork. The only thing I had was an email statement saying I had purchased the original and that wasn't good enough for them..

On July 10th 2023 I experienced brought on my Discover card. I contacted Discover card and the young lady that I spoke to on the phone stated I would not be responsible for the fraud. I immediately called the police and filed the police report because the fraud also take place on another charge card and on my home equity account at the same time. When I called Discover back to give them the case number I was then told oh that's not fraud.

I had Discover for about 8 years and when I first got them, I loved them! But the longer you're with them the more screwed you become. I had to use my Discover in 2020 after I lost my job… just to be able to eat. And well they took full advantage of that and charged a ton of interest and then as interest rates rose, obviously so did my interest rate to a staggering 29%. I could barely afford the minimum and the interest literally made the minimum I was paying not even scratch the surface of what I owed. Basically, my min was $182, and my interest was $178 each month… so it was going down… by like $4. I tried calling multiple times and saying I’m going through a hardship I need help, I can’t pay this. They froze my account and lowered the min to $100 and the interest to $50 a month for 2 months…. Okay thanks that really helped me.

I placed an order and the company charged me four times the amount. I canceled the order and called Discover. Discover told me to wait 10 days and call back. I did. They refused to understand my problem. I mailed paper documentation which one of their staff members trashed. I refused the product and the company made up lies about their “return” process. Discover told me to refuse. I did and now I don’t have the product and am out a significant amount of money. Avoid Discover at all cost. They are on the side of the merchant, not the customer.

I was the victim of credit card fraud/unauthorized use for nearly two years. I called Discover immediately after noticing suspicious activity. Calling Discover was stressful and not helpful. My calls were transferred and dropped on numerous occasions, and the dispute process was confusing and overwhelming. Some representatives were belittling, and it seemed like they were trying to upset me. One representative even laughed at me. I was also placed on hold for over three hours. It felt like Discover was trying to make it difficult for me to get information and dispute charges.

You guys should be ashamed of yourselves. My Grandma was diagnosed with dementia and unknowingly and in a state she should not be allowed to signed up for a credit card. Then are we shocked that she used it and forgot to make payments. Now she is sitting at $6,500 in interest and has no recollection of even using the card. My Grandparents have nothing to their name and you still expect them to pay the $6,000 to you. Sure you took off the $500 in late fees. But how would you make your $5,000 on interest, disgusting.

I was approved for a Discover Credit Card and had used the card for almost a year. Then all the sudden they wanted to re-verify my identity but there was no threat of identity theft happening at the time. So they submitted this form for me to fill out for tax reasons. Well I don't pay taxes because I am on disability. Well I submitted the ** forms to them anyways and they still closed my account permanently but I still have to pay them back now! Total ** and such a Rip Off! DON'T EVER GO DISCOVER!!!!

I wanted to block all charges to my card because I had an issue with a recurring charge that was canceled and still getting billed to me. When I called in the representative was rude and they explained that even if they suspend the card, recurring charges will still go through and even if I change my card number, they will still go through.

This is the worst credit card ever together with Capital One. They will never help you when you have issues with merchants: they will laugh at me (their customer) and stand by the merchant side even apparently merchants sell fake stuff. Do NOT ever use them. Shame on Discover to support fake sellers.

I made 14 payments in 10 months, every month I paid plus 4 extra. I got charged a late fee last month. Late fee for paying every month and then more? I have to contest this fee? Total corporate fraud.

This is the worst card you can possibly get as an individual with built credit. It offers little to no benefits and is absolute garbage. If you do a balance transfer for a one year zero interest rate payoff, they still charge you interest. If you pay early, you can still incur a late fee. Yes, this is the worst card on the market outside of the Apple Card. Trash. Go with Amex... never waste your time with Discover. Absolute trash. Awful experience.

To be fair to the agent, I could just be stupid and need more things explained since this is my first year opening credit accounts (although I have a pretty good existing credit score at 740, thanks mom!) and I'm ultimately new to this. But it really shouldn't be this hard to get answers even if I need more information than a seasoned credit account holder. I am currently trying to switch from Capital One over to Discover it due to better benefits and the intro 0% APR. Chatted with a guy on their live online chat for 30 mins or more, with it going absolutely nowhere. After 30-45 mins I sort of (?) got my answer on why I was having errors and ultimately was denied. I kept getting an error screen about not being able to retrieve my bank account log so I started a support chat. Initially he said it was the name on my bank info not matching up, which I verified 3 times with him.

I had multiple fraudulent charges and they are making me pay it. They did not believe me that the charges are not mine but there is no way they can prove its mine because I DID NOT DO THEM !! I am still fighting them on this. I have never had this much issue with my other credit cards. I do not recommend ever getting a Discover card after this dispute is over I am defiantly cancelling my card even if it hurts my credit. These people are terrible. The worst credit card company ever

Terrible customer service in terms of dispute. Went back and forth with them about a charge that was supposed to be refunded as Universal told me they would drop the charge and they never did. Kept siding with Universal because they want proof of a refund when Universal said the charge should drop and everything with that agreement was over the phone.

Cancelled my Discover card yesterday. Had card since 1989, but apparently its dispute dept would rather ignore overcharges by Mexico resort instead of helping a loyal customer. It sided with the RIU Resort because I had the audacity of signing the receipt when I got to the resort with my kids and grandchildren. I complained at the resort, but they did nothing. Thought Discover would help me out when I got home as we had no choice but to sign the receipt or else stay on the street. But even though I provided Discover with written proof from RIU of the overcharges, they did nothing and sided with the ripoff resort. Now they no longer have a 34 year loyal card carrier that every month had charges totaling $1500 to $10000. Their loss. The dispute resolution service is worthless, sign the receipt and you have no recourse through Discover whenever a merchant cheats you. BEWARE. Find a credit card that actually will protect you.

This card is crap! Amex fights for your dispute, Discover says, “Sorry, you signed, that’s that”! Under the FCB act it states they are to investigate, Bad services, services not rendered. They don’t care. Don’t make the same mistake as me. Stay FAR away. Go with a free Amex.

Buffoons. Applied for a loan 2 weeks ago. All I get back is invitations to apply again. Buffoons. Absolute moronic institution. You should be investigated and shut down. Buffoons. I am completely stunned that this institution is allowed to continue to exist.

I asked Discover for payment reductions as I was selling my house. We agreed upon a payment reduction that would result in keeping my account activate when I would pay off the entire balance when my house sold. I was compliant and made reduced payments as agreed and paid off the entire balance. When I go to use the card (being a customer since 2009 with a perfect payment history) they said it was suspended and would have to be reviewed to be sure I was in compliance with payments, I said, "I have a zero balance, what do you have to examine!" They insisted it would be a matter of months before they could see if I was staying compliant, even though I cannot use the card!! Ridiculous!!

I ordered a service on March 22, 2023 from NETWKCARE, which is a cloud-based firewall. I validly ordered it and paid $400. The service was not received, or shipped, or given after I purchased it. I opened a dispute. Attempted on 3 to 4 occasions, in May of 2023, to contact the company. No reply, the items was never delivered. I opened a dispute, gave all the documentation to Discover. Initially they credited my account, and then reversed it and put it back on my account because the merchant said they "delivered it." I never received it. Discover then recharged my credit card and said, "there's nothing more we can do."

First time having a Discover card. Hubs put down a deposit on a time share membership while on vacation in another country. The deposit is fully refundable if we decide not to continue and we have an official signed letter to that effect. After unsuccessful calls to the resort to cancel, we started a dispute with Discover. I uploaded all docs online, they credited back monies, and investigation started. 2 months later we find that they found in favor of the resort and "didn't get the refund letter I uploaded". I tried to upload again but their system did not work. They would not accept email, only fax or snail mail. I do not have fax because who does anymore, so I sent it via mail.

I requested to file a dispute charge on my account, however customer service was extremely poor. I filed to open a case through BBB and CFPB, Ryan from the executive of customer advocacy did nothing to solve my dispute. My next step would be filing a legal action against Discover which will go through small claims court.

I applied and was approved for a card a couple months ago. Since my credit is what most consider very good I had no problem getting it. However, I went back and forth about getting another card, but I had a family vacation coming up which was a cruise to the Bahamas. After getting the card I waited to activate it until a couple days before we left. I got on the Discover App and set up an upcoming travel notification and everything I needed to do on my part. Once I got to the city I would be getting on the ship I had to pick up a prescription from a Big Box store pharmacy. When I tried paying the card was declined, mind you I had used it a few times the night before, so I assumed it was either their card reader or a technical issue. After getting onto the ship I initiated a chat just to double check and was asked to call an 800 number.

I had my id stolen. Discover said that they would remove it off my credit if I paid a settlement. $600 later they never removed it and I never got anything in the mail. Just lied to me and stole my money.

I filed a dispute with Discover in January of 2023 because I had purchased a generator from Home Depot that was never delivered. Discover applied a temporary credit and was looking into it (after I had to do legwork with Home Depot and delivery company). After 2 months Discover reversed the credit (without telling me) because Home Depot showed my online order. I never disputed I ordered, but I never received item. I have provided copies of chats with the trucking company stating that the driver never delivered because he couldn't find my address. I submitted a copy of the police report I also filed.

I had ordered a set of led lights (LEDPerf) overseas that never showed up. First mistake on my end was ordering something overseas. But, beside the fact, I opened a dispute as I never received the product and the merchant provided me little to no help in getting me a refund or even providing me shipping details. Month went by and the dispute was completed and Discover ended up siding with the merchant/scammer’s side. I’m not mad about being out the $33.56… I’m just furious that the scam artist WON and they fooled Discover. It is what it is now, but just wanted to provide my experience to whomever it may help.

This was the dumbest thing I've ever experienced from any company in my lifetime. Applied for card, got approved, said they'd withdraw sec dep from my bank acct, sent email saying it was successful and to expect my card in mail. Get card, try to activate it, doesn't work. Call them. Wasted 30 mins of my time being sent from dept to dept. Apparently my account was closed because the transaction from my bank didn't go through. Only solution is to apply for the card again. Except this time, I wasn't approved!! Brilliant stuff. Makes a lot of logical sense. Definitely will never be using them in the future. If the transaction failed, they should contact you and try to find out what went wrong, rather than sending a worthless card that does nothing. MAJOR FAIL.

So I had a Discover card with a great credit limit and 0% interest, COVID causes me to be furloughed from my job so after having an impeccable payment history I was late on 3 payments and ultimately paid my balance in full and did not use my card. Well after months of unemployment I was forced to make budget cuts and eliminating some of my credit cards was part of that, Discover being one of them. Well a few years later, full-time government job, no debt, good credit score, I re-apply for a Discover card due to no interest and high credit limit and I was declined because of the 3 late payments years before. Now I'm sorry but yes the payments were late but the balance was paid and other than those 3 my payment history was perfect but still that does not matter. They only look at the bad, not the good and to me, this prompts me to write this review. So it's a great card and company but don't EVER miss a payment!!

Oh, let me tell you about my wonderful experience with these parasites. My father died on 3 August, 2011. As executor, of course I had to look to settle his finances and estate. Discover Card and their merciless dogs began calling 24 hours after the man died. The calls came at a rate of about 8 per day. They always began with "Sorry for your Loss", and then "You are under no obligation to pay", which was always followed by "Is your checkbook handy?". Every. Single. Day. They would call me while I'm trying to calm down hysterical family. Call me while I'm talking to the estate lawyer. Call me when I'm trying to talk to the coroner. Every day, multiple times per day. All for a lousy 3,400 bucks, which they would have gotten once I'd had the man's finances in order.

The Discover Credit Card folks really need to be taught how to deal with people. Discover employees are rude, arrogant, superior. Unfortunately, people today are incomes are changing with every day. I notified Discover that I'd be late with my payment and some "**" calls me and commence to yell and demand for my payment on this very day. She didn't want to hear about my problem but just wanted the payment. Discover really needs to screen their employees on proper technique on speaking to customers/people in general. I will commence to inform anyone who carries a Discover Card to reconsider going elsewhere for service.

Mostly I've had good experiences with Discover Card, but like most people who come here, I didn't come here to give them kudos. My wife has always liked their customer service and normally I have not had any problems with them either. But one bad experience can really turn a person off and like in my case I just don't trust them anymore. Discover has a policy that says if you didn't receive any goods or services and you are disputing a charge then you are normally (something like that) entitled to a refund. It's important to me that I can trust their word on this. But unfortunately I was ripped off nearly $100 and received absolutely no goods and no services. Zero on either. Zip nada nothing. As a credit card holder one would think that a person in this position would have the option of not paying, stopping payment, getting a refund, whatever.

Discover is racist towards minorities, if you make a large payment on a card with them, from your bank that you have been using to make regular payments from. They will not show that you have paid down the card with the large payment, until up to 8 business days after they review that the payment is the legit. Meanwhile the funds are already out of your bank account. If you want the payment to show quicker and the funds be available on the credit card, you have to three way to your bank with Discover on the phone, so that they can verify the payment came from your account, which is very disrespectful, because they are treating you like a child at that point. They say that normally when you make a payment it takes two business days for funds to be available on the card, but yet if you try to pay off half or all your balance on the card, it takes up to 8 business days for funds to be available after they do research.

Ugh. Discover processed a balance transfer that has not been received by the other credit card despite it being over 10 days. The customer service is absolutely worthless. Once I take advantage of the 18 months interest free - since I foolishly paid a 3% balance transfer fee - I will never use this card. Have screenshots of the worthless waste of time trying to get info from customer service. No wonder folks think Discover is a joke of a company! A card not worth having!

Discover Card Offer of 5% in cashback is not true. Read the fine print. You only get 1% on most of your purchases. You have to jump through hoops to get 5% on very few purchases and this is also capped at $75. Discover Card cashback offer is a SCAM! Don't get this card if you want decent cashback for your spending.

This was the best customer service experience I have ever had. This was so good that it actually made me angry at other companies because of how bad they were in comparison. The automated system transferred me to an agent immediately when I asked. I was routed to the correct department immediately and my concerns were addressed smoothly. I am floored and dreading calls to other companies in the future.

Loyal customer, always paid bill in full before due date. Process of moving ex-roommate used my card for junk removal without my permission. Filed report w/ police. Made claim on card. Investigator called and accused me of lying, slammed my character and was so aggressive and rude! Been going back and forth since September 2022! It’s such a small amount I should just pay to have it over BUT I’m fighting it only for the principle of the matter BUT to prove that investigator wrong! Once over I’m closing account and posting to my social media followers.

Was a loyal customer for 15 years. Made a dispute because a restaurant puts food we cannot eat in their seafood bucket, they admit these details are not mentioned in online ordering, and they don’t do refunds. They won the dispute, Discover said there’s nothing they could do. It’s like poisoning our food and getting away with it. So I closed the account not realizing the dispute chargeback was underway, by the time I realized I was slapped with late fees.

I always have the best customer service with Discover. After moving across country I have dealt with multiple dishonest and unethical companies. Discover has helped me recover money from predatory "moving companies," banks, and mobile/internet companies. I always get through to someone and they are always located in the U.S. which is really helpful. Unlike so many other companies, they still seem to value their customers. I really appreciate them and would recommend working with them.

Ok, I applied for a $500 line of credit on a secured line, I was approved, so I added my wife. After weekly payments to pay my card down to zero every week, I decided we needed a larger limit increase. I was approved for the max of $2500 Secured. I choose to do $1000, bumping our credit limit to $1500 total. November 1st my we deposited the $1000.00, it typically can take up to 8 business days to reflect your account. It's November 18th, no limit increase, I've called 11 times and get the same ** run-around story. The people are very friendly, but management and the secured line department supervisors are absolutely worthless.

Been a reliable company in the past but DISCOVER has really let me down and as I been reading reviews after another reviews on this company just keep getting worse. I have been with DISCOVER for years and they simply refuse to give me a well-deserved credit line increase BUT they refuse and always have different criteria for the refusals and mostly don't even apply to my situation as they have a robot or computer decide if YOU are human enough to be responsible instead of hardcore proof such as never late, always on time and responsible pay history and etc.

My credit card account with Discover was closed due to "not being able to verify my identity". Discover says they have sent me numerous attempts to reach out and verify my information. I have checked all my records (and I don't delete emails or voicemails), and nothing from Discover on the dates they said they've contacted me. There is absolutely no legitimate grounds as to why my account should be closed, let alone not even reopened for consumer satisfaction, based on the reason. I will forever remain away from Discover and will never recommend this company to anyone ever again. I will even go as far as to deter anyone I know from using this company again as well. Posting my reviews online, let people see for themselves.

Received an alert that card was being used in August 2022, called Discover to report it wasn't me. They suspended the card immediately and stated that they'd send a new one, after 2-3 weeks later called to report that I didn't receive it and was told it was due to a payment being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my Transunion account, called Transunion, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called Transunion to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone.

I've discovered after 2 months now that my payments I made over the telephone didn't actually get processed? I find my account has been closed and I call them and they tell me that they've sent me late reminders in email and they have not? In fact their automated system is broken and I have the evidence on my phone of proving I called in and paid my bill?! They reported me to the credit bureaus for their own automated error and refuse to take it off so I refuse to pay them.

Worst customer service I have ever dealt with. Also takes an arm and a leg to get a card set up and running. Took 2+ months to get my account verified including having multiple things notarized and mailed before my card was suddenly shut off before I ever even got to use it because of a bank statement not being verified without any notice in advance. Customer service said this could not be undone but I could open a new account and start the 3 month process all over again. Will never use discover again.

I signed up for credit card so I could finance a mountain bike with intro APR. I was approved for a $12000 limit with an instant line of credit through Apple Pay. I had the bike built but the card was declined, I called CS and they said the account was so new they couldn’t help me in anyway, I politely asked for a reference number for our conversation and was promptly hung up on. No big deal, I’ll put it on another credit card and have Discover fix it all in a couple days.

Discover credit card is phony. Stay away from this company. If you dispute a charge they will side with the seller every time even if you didn't get what you paid for. Closed my account. Had a rewards balance of 59 dollars. They told me I would get a check for my rewards. They shipped me a check for one dollar. Called them. They said that's all I had in rewards. Phony bunch of liars. Stay clear.

I was a Discover Card holder for 9 years from 2001-2010 (among many others). My initial credit limit was $9,000.00 with a APR of 18%. As a rule, I always keep my credit balances low and pay the entire balance off every month and I have never missed a payment (with any of my credit cards). Every 2 years I would call customer service to request a lower interest rate and they denied the request every time. In 2006 my credit monitoring service stated that Discover Card was continually running a credit inquiry on 2 of the 3 credit bureaus every 90 days. Discover service rep explained that the inquiries are for periodic account reviews for the purpose of automatic credit limit increases, that I never received. In 2007 I requested a credit limit increase and was instantly approved for an additional $300.00! One $300 credit limit increase in 9 years with stellar credit (820).

I paid for a hotel through Priceline.com that was cancelled by the hotel and resold. Consumer protection law states that if a product is NOT delivered, delivered damaged, or is not as advertised, then the non-refundable clause is not valid and the customer is entitled to a full refund. However, Discover told me that regardless of the amount of proof provided, they support the merchant unless the merchant agrees to refund the customer, which means that their claims of providing consumer protection are false, and they are forcing their customers to pay, though the law says otherwise.

I have been a customer for over 25 years. Raised my interest rate more than any other credit card I own. I don't want to hear it's because of the Fed. None of my other credit cards raised my rates the way you did!!!! Customer service did not care!!!! Do not choose this credit card!!!!

I’ve had a Discover card on and off for over 25 years customer. I had superb credit, as I’m careful only to spend what I can afford to pay off, usually many times within a month. I had to close/reopen a card due to loss and the old card got $20 charge that hit late. I was completely unaware and due to how they permit online accounts I had no real time online access to the old account. I only received one letter in the mail six months later, and quickly paid it, but they reported it delinquent. My credit score has declined by 70 points.

I've been a DISCOVER card holder since _1989_ (33 YEARS!!!), with never a late payment, never a complaint. I have always paid off my card every month. My credit score is exceptional (839). On Jan. 4, 2022, I ordered premium arch-support sneakers from an online vendor. They arrived Feb. 28, the wrong size (3 sizes too big), mislabeled, made of cheap polyvinyl, no arch support whatsoever. The merchant had presented completely fraudulent ads and reviews. Of course by the time they arrived, it was too late to return them according to the Chinese merchant's 10-day return policy.

I have had a Discover card since 2003. I have never had a late payment and usually don't carry a balance. My credit rating until recently was 850. In April, my statements starting going to an old email address that I don't check anymore. After my payment was more than 30 days late and being reported to the credit reporting agencies, Discover called to alert me. I paid the bill immediately and in full. Now I see that that 1 late payment dropped my score to 752. When I called to inquire why no-one called me until after the payment was >30 days late, customer service said they sent a few emails, (to the email address that I clearly wasn't checking), and that there was nothing they could do except send a request up the chain that they consider starting to call customers when payments are late and they are not responding to emails. My wife and I are cancelling our Discover accounts. We won't do business with a company that treats their clients like this.

So we all know things happen, sometimes it is unforeseen. In 2000 I got a divorce and the X walked away without paying anything he was supposed to leaving me to flounder and attempt to take care of everything. Needless to say that didn't happen. I bring this up because it is 2022 and 22 years later I am still being hounded by Discover card. I have paid in thousands of dollars because they get a garnishment. While I understand it was my responsibility to take care of this I had 2 children, was a single mother and one income. No child support and it wasn't possible. 18 years later I am still being harassed by them because they sued me for breach of contact. So beware if something bad happens in your life and you can't pay them they will hound you forever. So when choosing a card please do yourself a favor and think twice. I wish I had never had this card.

I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it.

As a long time user of Discover, 20+ years, I have noticed a notable drop in customer service since last year. I can no longer pay from my online bank as it takes 2-3 weeks for them to post the payments to my account. Also, there is no online method to contact them, have to wait on phone line and their text messaging is only a bot for answers. I am now searching for a replacement for this credit card.

I disputed a transaction regarding an Amazon charge. When I contacted the merchant about the problem unable to assist me because I don't have an amazon account. When I reached Discover, I was unable to help because the merchant showed proof of delivery. However, the merchant delivered the wrong address. I am closing all my DDA and CC accounts with Discover.

They keep sending checks in the mail which get stolen by thieves and cashed. After several calls to them ending in them saying they would reimburse the money, I gave up. I even sent them video of the thief stealing the check from my mailbox. I am now forced to pay the amount stolen and it was not even my fault. I immediately caught the first transaction of $60 and called them. The security dept. did nothing and the next couple days ANOTHER $500 amount from a check was posted. I instantly froze my card after this and called them. They said the same thing that I would be reimbursed but nothing happened. I was however, able to dispute the $500 charge on the website and it was reimbursed. I contacted them five times with no avail. As far as the remaining $60, all I received from the security dept. were lies, saying the money would be reimburse the next day.

I applied because I needed help with my credit, after I was charged I didn’t get an email or anything for 3 weeks, called confirmed address and they said wait 2 more weeks for it to arrive, after it didn’t called again and they had to confirm the address again because it was wrong. Waited to more weeks and the address hadn’t been updated, asked for it to cancel and they don’t refund directly they send a check which takes 7 to 10 days. Felt like a total waste of time and hopefully it only happens to me, never applying for Discover again.

I just opened an account with them, less than a month ago. They froze my account, I have no idea why because you can't get a person on the phone. Their phone system hangs up on you after 3 hours of waiting. I have been on hold with them for over 15 hours and have yet to get a person. The customer service people just say sorry and there is nothing they can do, you have to speak to the fraud department. They refuse to let you speak to a supervisor and I have received 3 different answers on what the hours are for the fraud department. I found a number to call for the Customer Advocacy Group, I called it, in the middle of the day and guess what, I got a message that said no one was available and to leave a message. I just want to close my account and my money back. DO NOT OPEN AN ACCOUNT AT DISCOVER.

I booked a specific location space, and reservation with a residential company. The company booked me in a location I did not ask for. It is now six months later and Discover did not do its due diligence to get the specific information to resolve the situation. They believed what the merchant said and looked at the documentation, which clearly did not validate the location I booked. The merchant was not cooperative and also did not do their due diligence. I did not have time to do their jobs for them. However it was obvious after three attempts with Discover, they were not going to assist me, their customer.

I had a Discover card and I ran in to some financial hardships. I contacted Discover to let them know and asked if I could get a lower monthly amount due. They were beyond rude and basically told me that it was my problem, not theirs. Because of their unwillingness to work with me I ended up going to one of those debt consolidation companies. I gave them all the information about the company I decided to use several times and they refused to acknowledge them and refused to contact them. The more that I tried to give the information to them the nastier they got!!

They just closed my account for inactivity. They affected my credit score. And they never notified me. This is a horrible company. Get any other kind of card. Not helpful to contact them. Actually useless and a waste of time.

If you prefer to get great rewards and not have your account constantly locked, skip this card and choose Amex or CapitalOne. You won't regret it. I definitely regret giving this company access to my information and having ongoing problems utilizing the credit. Amex is so much easier. Don't settle.

Applied for a, Discover credit, after they sent me the card they needed identity verification, okay, I sent out all the documents they needed by the 4/25/22, they sent me an email to contact them asking me to resend the document 4/27/22. I received an email 5/4/22 asking me to contact Discover again. They need me to resend the bank statements for three months which I’ve submitted several times. I finally told them to cancel the card, I don’t need the runaround, the worst credit card company I’ve ever dealt with.

I recently had a dispute with the Discover card team. The merchant did not deliver the service that I paid for and refused to issue a direct refund. So, I raised the dispute with Discover (the card I used to pay for the service!) I got a temporary credit when I raised the dispute. After 12 weeks, I was so surprised to find the Discover dispute team mentioning: "we found out that the transaction has been found to be valid!" Seriously Discover dispute team?!!! What about the service that I was not provided for the valid transaction I paid for?! I called the dispute team and chatted with them several times. The last supervisor mentioned to me: sorry, the merchant has responded to us and informed us that the transaction was valid and asked me to seek the dispute outside Discover!!!

When I retired, I made the mistake of closing all my credit accounts. Also, I paid off my home so I had no mortgage. The bottom line was, in a few years my credit was gone. Since I saw my income was better than I thought and my payments less than I had anticipated, I needed an item that required credit. But, I had no credit. So, I had to start over. I knew I'd likely have to get a secured card to start with and pay it off monthly.

I applied for a Discover it Chrome card and was approved. I received the card and activated it with no issues. A few short days later I receive notice that my card was temporarily on hold pending verification of my identity. I had to sign some forms to do so. I have been waiting almost 3 weeks with no word. Calling the security department is pointless as I get the same rehearsed speech. I could have spent the entire limit the first few days after activation then they verify? Most backwards procedure ever. My advice stay far away from Discover. Soon as I get this verification cleared I am cancelling the account without ever using it.

Got a new 'miles' card so as to take an overseas flight to Tel Aviv for my grandson's Bar Mitzvah. Have been a customer for over 3 years. And have a credit limit of over $17,000. My FICO score is 799. Discover would not increase the miles card by $1000. to help facilitate our trip. All the phone reps were or so sad that Discover wouldn't increase, but no one was available to override the policy & procedure. FICO SCORE = 799... Other Discover card has a credit limit of $17,100 of which over $15,000 was currently available. I have cancelled both cards immediately and will never, repeat never apply for or accept another Discover card as long as I live. Even the people who answered to phones could not believe it.

I applied for a Discover card on the 20th of March and they approved me and now here it is March 31 and still no credit card. Nothing in my mailbox or anything sent to me saying they sent out my card. I had to cancel that one and order a new card. I was lied to about the new card being in by the next business day. So I would not advise letting Discover pull a credit report on anyone who has perfect credit because you’ll never receive your card.

I got approved for my Discover card a little over a year ago. In February I got a phone call stating I needed to fill out a form for SSA to verify my identity. Why didn't you verify my identity when I applied? Because of me neglecting to do something the company should have done before approval they have now froze my account. I just got the email this morning that they are freezing my account even though they did freeze my card almost a month ago. Screwing me out of the 18 months 0% APR. This is really shady behavior. A big named company like Discover should be verifying people's identity before approving any credit limits. My 18 months would have been up this September. I always paid at least my minimum balance off every month and this is how you treat your customers? You call them with a shady request. Asking for us to print the form out fill it in then take a picture of it to submit.

I have been a member since 2009 (almost 15 years) and kept a balance on the account the entire time until I paid it off about 8 months ago. I always paid on time and never defaulted on the loan. I just received a letter in the mail stating they are canceling the account due to inactivity. I called customer service to see if it was a mistake. No, it was not. They did not care that I was trying to pay down the large balance I accrued during this difficult time of COVID, they only cared that I had not racked up additional charges while trying to pay it off! I even escalated the call to a manager named Robert out of the Utah office and he confirmed. I'll NEVER refer anyone to Discover Credit Card unless they are an enemy!

Been with Discover Card since 2007. In December 2021, Google Play charged my card $84.68 for an Epoch Times android app subscription. I did not make that charge. I provided Discover Card numerous forms of documentation from the Epoch Times proving I did not have an subscription, that I did not own an android, and that Google showed no such subscription under my account. Apparently, Google Play collected money from my Discover Card and pocketed it for themselves.

I have had a Discover card since 2014 (8 yrs) and never carried a balance. Always paid on time. I applied for a different Discover card and was approved for $1000 credit line. Asked to have it increased but denied. Asked to have the credit lines combined (they do it but denied it). They make absolutely no sense. I wanted an increased line of credit which they could take from the other card I have and still can't seem to help. They keep citing the new card is a new account even though I have been with them for 8 yrs already. Thanks, but I will do business with a company that wants to make the purchasing fees with no risk of not being paid in full.

I have always paid my account on time and been a good customer since 2017. They lowered my limit in 2019 and I took that in stride, then they raised my limit in 2020. Last week I received an email stating that they were closing my account because they wanted access to my tax returns. That is a blatant violation of my privacy! They have no right to my tax information at all, I pay my bill on time every month! SCREW Discover and their communist **! This is how they treat disabled Veterans?! I urge all VETERANS to close their accounts and send a clear message to discover. WE DON'T NEED THEM. THEY NEED US as CUSTOMERS. I hope they feel the pain of losing customers!

Less than 10% used credit debt and gave me 800 dollars if I spend 500 dollars in shoes and a good jacket 500 dollars I will used 40% of my credit so my score will go down, yesterday I almost buy a laugagge set for 700 dolars plus tax. My debt goes almost to 90% again. My credit score 40 point less, FBNO or bank of America gave me 20k both cards 0 balance , something wrong with the automated qualifications because I don't believe the underwriter gave me 800 dollars, what's goin on?

I had began paying off a bunch of my debts. Long story short, I paid off my ENTIRE $10,000 balance of my discover card. Not even a month later, they lowered my limit by 80%!!!! This has put me into extraordinary finance distress and nearly another hospital visit for mental reasons. I called Discover about solutions and the first rep I spoke to was completely ignorant and soulless. He was of no help and just constant bad news with no light at the end of the tunnel. I spoke to another rep about possibly closing the card.

The card has been fine and customer service has been good to work with, but Discover has one huge issue—their payments/available credit takes FOREVER to update. With my other cards when I make a payment it adjusts my available credit immediately; with Discover it can take up to eight days. There’s been times where the payment has posted to my bank account and I was still left without available credit. To quicken the process you have to call and have them call your bank to verify funds so it’s a huge unnecessary inconvenience. This may be a deal breaker for me.

I used to be able to recommend Discover until I had 2 incorrect magazine charges on my account for $37 and $40. I called Discover to dispute them and they reversed them. They then talked to the magazine company and put them back on my account. I sent Discover proof of cancelation from the magazine company and the information they sent back to me even showed I was owed a credit on the second page and they missed it. They just got stuck on the initial response the from magazine that I owed it when I didn't. I even called them. Never accepted my proof of cancelation they requested (sent 3 times). Also told me I would have a ding on my credit for reporting a dispute. This was over $77 dollars. I just paid for two magazines I won't get. They are only about protecting the Merchant.

Card is great - good rewards. I would use another card for major transactions that might result in a dispute process. Other credit card companies protect the customer, Discover goes out of their way to protect the seller, no matter what kind of crap they sell....

I have not used my Discover Card for many years since it stopped working with BofA's Bill Pay. Even though, the card recently billed me twice for the total of just under $20. Perhaps, I left a little bit of money unpaid and they turn it into $20 using some usurious interest rates. Yesterday I decided to check if anything changed vis-a-vis BofA and was pleased to discover that the card worked with BofA's Bill Pay. Today I tried to use the card at a grocery store. The card was rejected. I came home and cut the card in half. As far as I am concerned, Discover Card can **.

I don't recommend Discover at all. I have been a faithful customer for 3 years, never missed a payment. I went to apply for another Discover card and was denied. I called to ask why and was told nothing they could do to help. If you want to be treated like a good, faithful customer don't use Discover. I will use them again.

I had a Discover card since 2006. Never had any problems with them and would occasionally use my card, but found less places that took them recently. Logged into my account to find my account had been closed due to inactivity. I was told they mailed me a letter, but I never received anything. The amount of spam they regularly send (even though I unsubscribed) had me filtering all their emails out of my inbox. I exclusively use the Discover website to check everything, pay my bills etc. There was never anything through this main portal to let me know about any pending closure.

I am a student. I applied for the student CC and got approved. I used it and made payments on time. A couple of days after making my first payment my card declined. I called Discover and was told “sorry we forgot to send an email to you requiring you to send verification that you are who you say you are.” I had trouble getting a physical social security card (I haven’t had mine since I was a teenager) because of COVID and appointment times. I told them I could submit my passport or use another method like completing something similar to the system the IRS uses. Discover said there was nothing they could do and closed my account.

I ordered a couch online from a questionable website and it was delivered without the feet, which I was assured were in the package. Nope. I tried to contact the company through the only means provided-chat message online. I messaged over and over and no response whatsoever. I disputed the charge, and Discover decided in my favor.

I disputed two separate purchases and was issued credits on my Discover card...6 months later they reversed the credits and charged me. Discover gives merchants 6 MONTHS to decide what they want to do...and then they side with the merchants. They advertise you are covered for unauthorized charges...and one of my disputes was an unauthorized charge from Amazon. After many years with Discover, I cancelled my card.

I've been a Discover Card member for just over 5 years (September 2016), and up until today my experiences have been good. Earlier this year I paid off a revolving debt with them... basically I got my balance down to $0. You would think that this is good... well it is, sorta. I'm currently working on paying down some other credit card debts on cards that have been canceled. So I forgot about my Discover Card having a zero balance with an available credit line of $2000. At 9:05pm (after business hours) I received an email stating that my account would be closed. They listed 3 possible causes and then gave a number to call.

"Unsubscribe" means nothing to Discover. Got my first Discover card a few months ago and the Spam started right away despite me making sure NOT to check the box to receive promotional emails. I unsubscribed at least 8-10 times and even spoke to customer service who ensured me the annoying emails would stop. They haven't. This should be against the law like soliciting someone after they have clearly said to put them on the Do Not Call list. Discover has no respect for its customers. I will close my account and just use the other cards I have.

I recently received a pre-approved offer from Discover which I acted on. I was approved immediately and informed via email a credit card would be forthcoming in the mail in 3-5 business days. A week later, The day before I was to receive the card I got a spam email from Discover of which I did not open. I called Discover to inquire if this was a valid email. They confirmed it was and that I had to submit tax returns in order to complete the process.

Denied 9 times in 3 years for Credit limit increase while I went from $9000 to $25000 with Navy Federal, $2000 to $13500 with Citi, $3000 to 15000 with Chase and unlimited with Amex. Never went over 5% using of all my credit cards. My credit score is perfect, I’m sick tired of Discover, I’m closing all my accounts.

I have been their customer for over 7 years. Recently they decline my transactions for unknown reasons. When I talked to a rude agent (Joe) on 11-14-21 he wasn’t able to take care of my issues. He just threatened me to close my credit card in next 10 days. Out of all credit cards that I have been worked Discover is the worst. Their customer service is not satisfactory at all. I regret working with this company. Terrible credit card company and have the worst customer service.

Called for assistance about skipping a payment due to Covid, was currently out of work. They said they couldn't help me but wanted a payment ASAP which I didn't have. I will be paying off my card and switching to a different company.

They closed the account after a year and half because they did not get a response from the IRS. The form was filled out 4 times. They are no help and a sorry company. The ATG and BBB along with all the credit reporting companies have been notified and charges will be filed against them. Stay away from them. They are sorry and should not be in business.

If you're erroneously charged. Good luck getting your money back! If the vendor responds at all. And I mean at all. Any false information. Any document that may not even resemble the transaction - they will side with the vendor! They create many consumer barriers for disputes: such as "you have to wait for the disputed amount to post to your account before we can investigate." And/or "this dispute can only be done by phone." And/or "we miscoded your dispute". And or "we can't tell you what evidence we will need in order to side on your dispute".

I paid online to a company to build a website for me, but that company never deliver the website, took the money and no respond. I dispute the charge, first I got a temporary credit back, then later, the charge repost back to account because merchant defend the case by simply saying I approved the transaction, yes and of course, But the key thing about disputing a charge is I don't get the goods or services as agreed or delivered as agreed. Merchant didn't deliver anything that was initially agreed in the proposal. I lost the case. Discover told me to work with the merchant to get refund. Discover credit card doesn't protect card holders. Don't get discover cards. Just don't. You're responsible for anything you paid.