Discover Bank Reviews

I have been banking with Discover for over 4 years, they decided to close my account on a Saturday evening without telling me. Then they went ahead and froze my money. For a “business decision”. I then call to find out where my money is at and they can’t even tell me that. This bank is conducting some sort of scheme and needs to be reviewed by the FTC.

I was a 10+ year customer who had impeccable credit. I processed automatic and online payments on time or ahead of time during that time. Thinking my account was on auto pay as I set up, a payment was not processed for 2 months. I should have checked. Discover refused to remove my 60-day late charge even after I wrote a letter. The call center employees are pleasant but have not authority to assist with problems. Do better Discover.

My online account was disabled a week ago, and I was given no notice. I called Discover, was put on hold for a long while, I requested the rep to have a supervisor call me back. I never got called back. I called again, was transferred to another department and was disconnected. I sent an email to the CEO Michael Shepard, and got no reply. I will be filing a complaint with Banking Authorities soon.

Hands down the worst bank I have ever dealt with. I've been with them for 4 weeks and have had fraud on my account every single week. When addressing needing a new debit card, they refused to send me a new one even though the one they sent 3 days ago was compromised from having my identity stolen. They tried to tell me to link my bank account with an unsecure third party for two weeks while I awaited my new debit card's arrival which is not doable by any means.

I've been a customer of Discover Bank for several years, and have always been very happy with them. UNTIL NOW, since they've been purchased by Capital One. A new policy has been stated that when we deposit checks (via the mobile app? The only way I to deposit since there are no branches) that Discover will make $250 of my deposit available immediately, and I've got to wait for the rest of my money. This is a problem when you deposit multiple checks, since they don't disclose how much is being held back. In addition, I recently deposited a check smaller than the $250, and the entire amount of that check is listed online as "available within the next 30 days". THE ENTIRE AMOUNT SHOULD BE IN MY ACCOUNT RIGHT NOW.

I submitted an application online for a personal loan to cancel debts from my credit cards. Had to call a phone number to finalize the application. A lady requested personal information and the numbers of the credit cards they were going to pay off. They even asked for my bank account number to deposit the remaining balance of the money they were lending since I did not have the info one of the credit cards. After recollecting all this personal info, she told me they could not approve the loan. This is outrageous, how can she tell me that after spending 40 minutes on the phone and make me believe they were processing the payment of my credit cards. THIS SHOULD BE ILLEGAL. I can not think otherwise that they can use my personal financial information for other purposes.

I was offered a 9 month CD at 5.1% interest and signed up immediately. After receiving the acceptance letter, I funded the account by sending my $75,000 inheritance check via a letter that reiterated the terms (interest rate included). Discover took my check and sent me a letter detailing a lower interest rate. When I called to complain, I spoke with an inept rep and asked for a manager. The manager told me Discover was not bound by the offered terms or my letter outlining them. Said the “Discover on-line agreement” stated this. So I guess I was supposed to locate an on-line agreement and read it carefully rather than take the terms offered as true. Now I am locked in. Classic bait and switch fraud. BEWARE!!!

As a member of Discover card for over 20 year, their quality has really gone downhill. I usually have no problem disputing with discover, (last time I dispute with them was 7 year ago), this year I got scam by a furniture vendor where I received furniture that did not look the same from their website AKA false advertising and several defects on all my other furniture, after trying to contact to vendor for 4 month, vendor ignored all my text and phone call,

I have multiple on line savings accounts/CD's as well as IRA's. I find Discover's interest rates very competitive. I have linked my Discover accounts with my credit union and can easliy switch money back and forth. CD's renewals are a breeze. The few times I have conatcted customer support they have been very helpful. I am surprosed to see so many megative reviews.

This is the worst bank I've ever dealt with. They constantly threaten their customers without any legitimate reason, sending negative reports to credit bureaus. The staff is not only rude but also highly incompetent, showing a complete lack of understanding of their own processes. Every interaction with them feels frustrating and unprofessional. They seem to have no regard for customer service, making it clear that they do not prioritize the needs or concerns of their clients. I would strongly advise anyone to avoid banking with them.

I was looking for a good debit card to use for online purchases only. I ordered the card and BEFORE I got the card, I received 3 emails (different days) about putting money on the card, which was a red flag for me. When the card finally arrived, I received 1 more email about adding money (2 days after it came) and then 5 days later, another email about they were cancelling the card because I haven't added money yet. A lot of red flags for me and after reading these reviews, I'm glad I didn't.

Discover reported my late payment of less than $10 due to an auto pay error to the credit agencies and won't remove it, damaging my credit score. There are other banking institutions that are more flexible on this. Discover says they won't remove a credit reporting unless it's an error from Discover (a LIE). I updated my banking information for Discover's auto pay. But I don't use Discover credit card that often, so was about two billing cycles in before I had a balance on my account.

This company is not to be trusted with your money!!!! Closed my account with no reason. They destroyed my credit score in the process of doing this. This bank is to not be trusted, customer service also sucks!!!

Might want to think about banking somewhere else. Apparently Discover does not support fraudulent charges and will not help consumers with such issues. They are not even smart enough to suggest that if a charge is suspected to be fraudulent that maybe they should at least issue a new debit card. It's funny because Chase has no problem supporting their customers.

Avoid. Avoid. Avoid. Please, avoid Discover for any business. I have had a credit and bank account with them for over a month and have not received any card. Customer service is an absolute joke and the managers are even worse! I have no access to my money from either Discover account and was cussed at by a "manager" for asking if anything could be expedited. I was told no, that FedEx will not ship cards; all they can do is cancel the FOUR cards (2 credit 2 checking) and send them again. It would be here in 7-10 business days. The customer service is filled with barking dogs, kids screaming, and the most rude, petty, and unempathetic people I have ever had to work with. Cancelled and closed it all. Good Riddance!!

Stay Away from Discover Bank and never use their services. They are a fraud. They refused to take payment for my credit card not once, but twice, taking my account to delinquency and reporting that to credit bureaus. Tory, a supervisor did not even share her last name telling me for security reasons she couldn't do that. The customer service is petty and I would not recommend anyone dealing with this bank. My credit score has been affected dramatically as my auto pay bank was changed, I tried to update my auto pay, it wouldn't go through, I made online payment, it wouldn't let me, I called on May 6th, the agent said she couldn't take payment over the phone either, because Discover wanted me to wait to be past due and have another charge waiting for my bank to refuse the auto pay, her own words. This is ridiculous. What a shame.

My mother passed away and Discover Bank has made closing her accounts and getting her money transferred to her estate a nightmare. We submitted the documents they asked for, but they keep asking for more, or changes in what was sent. It has been months with no cooperation. Did not have these issues with any of the other banks and credit union accounts she had. Even selling her condo was easier than dealing with these people.

A few years ago Discover Bank made a decision to suspend customers' ability to use Zelle. They then claimed to have reinstated Zelle but I have not been able to use Zelle through Discover while having access through all other financial institutions I use. Discover has been the bank I use for my direct deposit. I lost my debit card and attempted to transfer funds via Zelle to another account so I could have access to cash and to purchase vital items, like food. Lo and Behold, no Zelle is available. Not only that their customer service reps don't seem to know or acknowledge that it was Discover NOT Zelle that created this issue. The rep kept saying that Zelle has "secret" criteria, even when I stated I use Zelle with other banks. I then say, hey I need to move $$ because you don't have physical branches, and he suggests I do an ACH transfer which takes 2 to 4 days, in 2024 I am supposed to wait 2 to 4 days for $$.

I have a single late payment on my Discover card that I have had for years due to me being in the hospital, they won't help me remove this and now my score has dropped and can't get my house, if I wasn't relying on my cards to hold up my score I would close this out. BAD COMPANY

They will keep charging closed account as long as you will tolerate it. This bank is a total loser. Capital One bought it, but they are going to keep the Discover credit cards separately. Completely understand. Their credit cards is a mess. I transferred the balance, paid off whatever left and closed the account. Now, received $25.13 bill to pay the interest. Which one? everything was paid off a month ago and the credit card was shredded. To my great sadness, they don't remove my name from their database and they don't remove my account online. I called and asked the agent to make a note that if one more time I receive any charge taken from the ceiling, I will report them.

A merchant made a fraudulent charge on my card and Discover did nothing about it except for Doct me for that amount. After multiple communication with supporting documents, discover charge me for the amount versus taking it from a big box retailer.

There was a misunderstanding with my account on my end and I apologize the review that was made previously.

Over the course of a year, I have used Discover Bank for four CDs. During this time, two have come up for renewal. Their online renewal procedure is confusing; and ultimately, I was forced to use secure messaging to handle the situation. I received two responses that were contradictory. Given I was doing the exact same thing for both CDs, the action should have been the same. I was forced to call. I had to speak with three different people until I thought the situation was handled. When the actual renewal date arrived, nothing was happening, so I called again. I was told it would be expedited. I thought everything was fine, until I realized several weeks later that a duplicate action had taken place. I was forced to call again.

Discover chooses to use their own definition of fraud and not the official one you will find in a dictionary. Beware...They will not cover you as they term it a billing dispute and not fraud. Commercials and all are basically selling you a lie. Marketing scam. In fact they told me that a scam is not considered fraud within Discover...Hmm. Then what is that classified as and what sort of recourse do consumers have if this is not considered fraud. In essence Discover is participating in fraud themselves by telling their consumers and potential consumers that they will be covered when in fact they won't. Interesting that that is exactly the definition of fraud. Way to go Discover, nice job. Will be closing my account and going somewhere that do not scam their cardholders. Too bad. Folks beware.

I opened a Cd and the bank mistakenly issued two CDs. When I wanted to redeem them, they tried to charge me two transfer fees! I objected since it was the bank’s error. They agreed to one. The wire transfer was initiated with help from a Discover bank associate. My confirmation numbers were useless! The wire transfer did not take place. MORE ERRORS. Three days later I still did not have my money. I called back, cancelled the wire transfer and asked Discover to mail me two checks. I asked for expedited delivery. Checks did not come. I called again- no tracking number! Finally, the checks arrived! Horrible SYSTEM. Best to pick another bank if you want to buy a CD.

I've had a Discover card for 20 plus years. It's never been a problem. It was one of the first cards I ever had. Recently I opened an online savings account. At the time they offered the highest interest rate in the nation. U.S. based Customer service has always been available around the clock. Recently I got a personalized cash back offer tailored to my purchasing. Bonus. Their automated voice response customer service has got to be the absolute best in the industry. It didn't throw back my question saying I don't understand and give me options. It answered my questions every time. Very impressive. Also recently I was able to choose and design my own credit card at no charge. They have a number of services available in the way of banking and credit card purchasing and protection. Zero complaints here. It's always been top notch for me. Thank you Discover.

I often find myself feeling unsatisfied with a lot of customer service experiences from companies…but every-time I’ve contacted Discover I’ve had an amazing experience, always so helpful and nice I love it. I always feel understood and valued everytime I call and they seem like they genuinely care about their customers rather than just being there to solve your problem and hang up.

I filed a dispute when a merchant failed to complete work. Discover said required a letter from the business saying the work was incomplete or documents saying they agreed to complete the job. Discover Card doesn't protect the consumer from business fraud.

I opened a high yield savings account. Somehow my birth year was wrong. After over 3 weeks, and calling them 3 times, and each time being told I needed to do something else, I decided to just close the account. I sent my driver's license, but apparently they still could not update my birth year, unless I sent the back too. I sent all of this when I applied for the account, but they couldn’t access it, because it goes to a different area. Since they apparently did not want my money, I found a bank that did! The other bank allowed me to deposit my money right away. Not worth the trouble!

The longer one is with this company, the more they take advantage. Balance transfers might have 0% interest for a period of time, however the minimum payment will be 3% or more of that balance transfer. Yes, a lot of fine print - but they will not tell you this outright. Your minimum payment becomes huge. I had to get another credit card and transfer my balance, transfer so I have 0 balance. I will never use my Discover card for any large purchase or balance transfer again. They are corrupt, crooks who do not care what they take from you, even if your minimum becomes three to four times higher than another card with reasonable rates. Disgusting!!!! Do not give this company your business!!!