Discover Bank Reviews

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!!!

I opened account recently with Discover Bank, as their savings account returns are good. They allowed me to deposit money and to transfer money out it is not working. All it states is try again later. Contacted 5 people so far and they don't know what the issue is. I give 1 star for this bank. generally I don't leave any feedback, but it is so frustrating. Just want to warn others before they chose this bank.

I've been with this bank for a little over 3 months and it's been the worst bank I've been with. My tap works when it wants to. Got the card replaced and still does the same thing. 12/09/2023 they were doing maintenance and I had 0 access to do anything. Zelle was not available and when I called in they advised me they can't see anything and could not access my account. I like the fact that I get paid early, but other than that I would not recommend this bank to anyone. Everything needs to be verified and it's a pain. I will going back to my old bank.

The company withdrew funds for my Discover card account on 12/5 then withdrew more funds on the same day for a total of $109. I signed an agreement to pay $45 for 6 mo. then $37 after that. So, what do they do... keep what is technically due, $64, instead of the contract amount of $45. This company just screwed me out of $19. Don't ever trust a credit card company! ever! This company refunded the $45, but that is not the main complaint. My main issue is "Don't steal from me!" Don't waste your time and effort on this company, they just might steal out of your pocket, too.

My Checking account was hacked back in August. Updated my info on Discover card with a new checking account. They "decide" to cancel the autopay that I have set up for years without my knowledge. They never informed us and then they sent our info to the credit bureaus for late payments. Ridiculous! If you acknowledge cancelling someone’s auto pay without informing them that is a deceitful practice. All this time we thought the payments were up to date. 60 days later come to find out that my credit score dropped over 100 points because of Discover card's fraudulent activity. Do not work with this company.

Discover promised to give bonus $150 if I put $15,000 to my saving for a month. I put for 2 months, but discover did not give me the bonus. I was all out selling investments and borrowed money from my neighbors so that I can join the promotion. When I called, all the bankers gave different answers, round and round in order not to pay the bonus. I was stupid I trust this bank, since I got the feeling that they are all liars. Discover use the promotion to pay for its debt, using poor and stupid customer like me as a tool to cover its debt. Never ever join this bank, very tricky and manipulative.

I've been a loyal customer for over 10 plus years and I never thought I would run into any issues until recently I made a purchase from Saks and uploaded proof of delivery instructions and business hours. All details was confirmed but not followed. The package was stolen and Discover refused to investigate and hold them accountable. Now I'm stuck with the balance and no item. This is the worst credit card company in the world. They don't have your back and don't care at all. Lesson learned.

Discover has no intention in providing the consumer/customer any assistance when needed. They are only looking after their own best interest which is just profiting off others' misfortunes. Corporate fraud...disgusting.

No one wants Discover CC in Europe and few have ever heard of it. With the monthly ever changing cash back benefits rings as a scam. Your local Credit Union will beat them any time. Discover Bank? Who cares.

This card is cumbersome to activate for use. Takes ADDITIONAL 2 to 3 weeks AFTER receiving approved card for EXTENDED verification of personal info. Card is NOT good for use until done. Don't need it!!

I applied for a cashback Discover card and was instantly approved online. I created my account, signed all of the necessary documents, and was given a digital version to use immediately, so I attached the card to my PayPal and Amazon accounts. A few days later, when I went to use the card, it was declined, I contacted them and was told that I had to give them full access to my IRS records before I could use the card. For a 500$ credit limit?!? What a joke. I guess they ultimately did me a favor. Don't waste your time with this company..

They close my account more than 1 year ago. I still waiting for the $ was in my account. Thanks to this bank my health it's bad. I am at the hospital 4 months ago and they can't said when they going to send me funds.

Lack empathy and support for unique situation that present from a domestic violence victim standpoint. They only follow specific guidelines and if you don't fit the guide you can't get a bank acct. When you have to live in a constant state of fear due to your hx of violence received. I don't think you would want to put your real address out there. You don't want to expose yourself and lead your abuser to come and find you. Yes, cyber risk is possible. I think Discover and the Federal Bank Regulation Administration should consider making some changes reference to these unique situations with victims of violence. Not all people that do not present a real address but only a PO box are not money laundering.

I am reaching out to you as I have some serious complaints against Discover Bank. (a) I had a Discover CD account with Discover bank. (b) This CD matured on Aug 21 and I had placed phone instructions to close my CD and move funds to a savings account sometime in early August via phone call. (c) I noticed in September and saw the account was not closed so wanted to close the CD. I called discover bank to check if they can locate my maturity instructions and they said it will take them few days to do so. I also asked if I closed the account that day on Sept 14, I would incur an early withdrawal penalty of $24. Even if I waited few more days for the decision to come through, the early withdrawal penalty would be few more cents only. They said they would call me on Tue.

Have been extremely disappointed with Discover. I have never missed one single payment with them. On time over 2 years. I added a big charge on a mechanical repair that was unavoidable. I made payment arrangements with them monthly for a specified amount, and paid more than what we agreed to. They in turn did not keep their agreement. Be wary of Discover. They will reel you in and then cheat you. Posting.

Getting your money out when you need it is a most basic function of a bank. Discover bank makes it incredibly difficult if not impossible. They limit how much money they release perhaps because they are short of cash. I’m out as soon as I can be. Their lack of physical branches is an epic failure. 5 phone people and a full hour and they still could not identify why atm access is failing. Pathetic.

Please do not waste your time with this bank. They have vindictive customer service reps who will get back at you by sending your card to fraud suspect. I have American Express, Citi bank, Capital One, Wells Fargo, Bank of America experiences and none like this Discover card. They treat you like a criminal to have their card. They ask me to send a picture of me and a copy of my Driver's license. If I don't send it in to them they threatened to close the account. They can close it because I have not had to do this with any other bank I have applied for a credit card online. Totally a racist bank practice.

I viewed my account online and saw that some unknown party stole over one hundred thousand out of my online savings account. No one appears concerned. This was my liquid money to live on. All this money is gone. They just let a criminal via ACH online transfer access my account and take my money. They just transferred my money out to some bank I never heard of to a stranger? They are unable to provide a statement for the Police? Beware, your money is not safe there.

Received an unsolicited offer from Discover 5% Rewards Cash Back w/0% Interest for 15 months. Within 45 min after receiving online approval, I discovered a 3% balance transfer fee, I called customer service and requested a stop to the transfer. Discover said they couldn’t do that YET BECAUSE IT WAS A NEW ACCOUNT. Called back in 3 days said they still couldn’t do it because I wasn’t in their system. 7 Days later, they went through with what I asked them not to do. Cost me $120.00 and I cut up the card, paid them and full and bow to haunt them with negative reviews until the day I die… SCUMBAGSOBS!!! From a US Marine

Discover Card is the least customer friendly and least customer focused company I have ever dealt with in 70 years. If you expect to be treated as anything other than a criminal, run from Discover as fast as you can. How Discover has managed to remain in business is beyond comprehension. Go elsewhere as fast as you can! After Discover solicits your business, they treat you as a criminal and demand all kinds of documentation to prove who you are a month after they issue you a credit card. They never have a supervisor available to deal with their canned response, abusive call center representatives. If you are an embezzler or a convict, Discover is the card for you.

The worst bank I’ve ever seen. If you plan to open an account with this bank, first read this: 3 months ago I ordered a credit card from the Discovery Bank, and I was interested in the fact that they quickly approve the credit limit, the card quickly approved me, delivered in 14 days, but I could only use it for one month. Then I got a message that I had to confirm my identity with a notary within two weeks, or they’d block my account. I got technical support and tried to explain the situation that I work 6 days a week and I do not physically have time to find a notary (Generally with such a request from the bank in the first).

I had the Discover card for over a year and a half (unsecured) and despite NEVER maxing out let alone going near the limit, paying the balance off early each month, and keeping my debt: limit ratio under 30%, THEY CLOSED MY ACCOUNT! It was completely unexpected therefor I contacted them immediately asking what happened.

The worse worse banking company ever!!! 100 interest!! A month when you are paying your credit line is excellent and raise your credit line when you didn’t ask them to!!! But charge absolutely insane rate!! HATE HATE DISCOVER!!! And fake advertising about your card being accepted everywhere!! They refused it in France, they refused it in Japan!! Awful and customer service is despicable! Never ever again.

Made an online purchase and merchant had put down wrong bill to address. Item was shipped to unknown location that was the same address they put wrong as billing address and never received product. Discover 4 month dispute denied.

I have been banking with Discover Bank for over a month now, and honestly it's been a pleasant experience so far. Customer care is really helpful and very nice to speak to when I need to call in, the mobile is well-organized, and beautifully designed as well. The checking and savings accounts are FANTASTIC! No fees at all and they offer so many products and great features for everyone. I have not encountered any issues this far, and don't see me having any issues in the future. Discover Bank has been absolutely phenomenal to bank with and I would highly recommend them.

I took out a Discover Card in mid-May, 2023 to transfer a $4,000 Credit Care balance so that I wouldn't have to incur 27% interest on the full Care Credit balance of $11,000. I have until July 15, 2023 to pay Care Credit or else I get hit with this hefty rate. When I submitted the balance transfer through Discover around May 20, I gave them the wrong credit card number because for some reason Care Credit issued me two, but I didn't know that. I received an email from Discover on May 31, 2023 that the balance transfer was complete. I decided to check my Care Credit account and guess what? There's still a balance!

Account Frozen due to an error on their end. Bill payment submitted for ConEd was mailed to my home instead of the business. When I called to ask what I should do, they froze my account with the reason "cannot verify identity". I was transferred to the fraud department, where I was asked to upload documentation. I explained this put me in a tough spot, I was asked to call an hour after upload. A day later, the account is still frozen bc there is an issue with my enhanced driver license issued 2 years ago and no additional explanation other than, one must wait a minimum of 2 days for the coach to review it.

I used to trust this company, though I never had many issues to show they would take care of the customer. I've been fighting with them for six months to dispute a charge for a Kirby. Originally they refunded me until Kirby finally came to pick up the item (five months after I requested them to) and they recharged me. Now for four months, I have been asking them to refund me since I no longer have the merchandise. They only will if Kirby authorizes it, doesn't that define why I need the dispute? This goes against the FTC's cooling-off rule. The company has their equipment and their money and Discover did everything they could to help them out. I can't wait to cancel this card after 15 years of business. You simply can't trust they will follow the rules. I will be submitting Discover to FTC.