Discover Bank Reviews

I can’t believe the low rating for Discover Bank. I’ve had their credit card since 2006 and never had an issue. So several years ago I saw a 200 dollar bonus for opening a regular high interest savings account. I decided to give it a try. I was with one of the big and awful banks and was getting next to nothing in interest for any of my accounts and TERRIBLE customer service. So I decided to try the checking account also. I have never been happier with a bank.

Discover is an online bank, and assured me that they can complete all banking transactions and needs online. I have a check that was written to me and my fiancé, and we do not have a joint account. We agreed that I would deposit the check into my account as it was a refund on a security deposit I had paid. Discover Bank rejected the mobile deposit, saying we do not have a joint account and he did not endorse the check. They refused to have him endorse it and send it again via mobile deposit, saying I had to either request a new check and have us both sign or mail it to them as once a check is rejected once on mobile deposit, they will not let you re-submit. They provided no reasoning behind this, just saying it is their "policy."

Having a relationship with Discover card, thought that moving my savings to their bank branch was a good move. WRONG! What a mess - agent taking app made an error on address, and could not open our account without address proof. We provided proof, received confirmation online of that submission and promised a reply in 10 days or less. 17 days later, no response. I called twice on days 13 and 16, and got hung up on as they transferred me from department to department. And they had enough of my info to call me back, but never did. I called again on day 17 and after 3 department transfers, was told I had to provide additional proofs besides driver's licenses - which were correct to address, but they said not. And they won't tell you what is in error, and proof they asked for additionally was not possible.

I opened an account with to test and see how it went before doing direct deposit. A couple of online transactions with the debit card went fine. Then, as I was standing in a store, paying for some groceries, the card declined, even though there were enough funds in the account to cover the charge. I had to pay with a different card/account. That was embarrassing. Got home and logged into my account and they had pulled the money from my account as if the transaction had gone through. I called them and they were nice and told me they were opening an investigation. A couple weeks later I get a letter saying they were denying my claim. So they basically stole my money. Stay far, far away from this shady bank.

I actually worried that I was dealing with a fraud. I set up an account with Discover high interest savings. A test occurred between my bank and Discover. Three days later I transferred $100. Today 1/16/25, I tried to transfer $400 and got a message indicating I could not complete transaction. I was given three alternatives, go to my bank, make the transfer through their app, or use snail mail. I contacted customer support.

Nearly everything they advertise about the cash back account is false. There are ATMs fees, no place to make deposits, and not accepted at as many places that take Visa and Mastercard. They continually put a 10 day hold on my deposits. The cashback I earned disappeared. I asked what happened to it and they said I didn't redeem it, so it was forfeited. Customer service is even worst. The representative answer, but they just read a script over and over. They don't really know about your account, but will try to small talk you out of what you are asking for. I asked for a supervisor and was told none are available for the same day. You have to leave a message, they tell the supervisor you need help the next day and they the supervisor has 24-48 hours to call you back. When you put money in it is immediate, but when you want your money back it takes 7 to 10 business days. Not worth the hassle.

When you file a dispute for a charge they do not go in your favor whether you have an unauthorized charge or never got your items. They are going to make you pay the charge. Use a different credit card online and they will back you up when you have a problem. Also you do not talk to a live person. You talk to a computer which tells you more or less where to go.

Savings and checking accounts. Verification on credit card equals a nightmare. From enhanced notary to 4506-C, the hurdles are ridiculous. Do not use Discover Bank. No person should be abused like this.

They closed my account with no notice. Which now drastically affected my credit score and caused other banks to lower my limit which again affected my credit score. Never pay anything late, but get punished for being responsible and not running up debt. What a lousy company policy and I called the customer service and was told there's nothing that can be done once in the count is closed. I will not be reopening an account with them or ever recommend anyone go with them. No other bank has ever done this to me.

I wish that I put zero star for Discover Bank. They have a horrible mobile app. They hired a very horrible software engineer whoever wrote the software that’s is very stupid. For example, if Discover Bank allows you to have only $5000 maximal deposits, if you deposited a check of $2000 but the check could not go through but the mobile app still considered you already deposited $2000 and only allows you to deposit $3000 more.

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.