Discover Personal Loans Reviews

I was approved for a personal loan and at the end when I received an email to accept the loan I noticed that will mail the funds by check at my fiscal address. When I told them that we do not receive mail at the fiscal address, that needed to be send by direct deposit to my bank account or to a PO box their answer was that they do not do direct deposit or PO box. I find it to be discriminating. First they will not take my application in any other language but English and now I am being discriminated for not receiving mail at my fiscal address and I do pay the post office $280 a year for a box.

Applied for and was approved for a personal loan. I have been a Discover Credit Card customer for at least 20 years. Discover sent me a so-called personal Invitation ID number for bill consolidation loan which is supposed to streamline the process. In addition to verifying my Loan ID number and the special code number on the back of my Discover Credit Card, they wanted me to scan their app and send copies of the front and back of my driver's license and a current photo of myself. After having accounts hacked in the past, I do not use apps on my cell phone. I called Discover and the rep said, get a friend or relative to do this for me. So, I applied with Lending Club and was approved without having to utilize my cell phone.

I am so angry and it really is sad that Discover Loans would treat a fully disabled customer that suffered a Traumatic Brain Injury and spent the last 4 years in 8 hospitals. I spoke with a woman in Utah and she confirmed that the bills were being returned due to them using an old address and marked by USPS as undeliverable. Yes....she confirmed that on multiple occasions. Now I get a letter from Rich ** and there it is again...THE WRONG ADDRESS. I was charged 20 $39 late fees and never got a bill....Please remember I was in 8 hospitals with a life threatening Brain Injury and never even received a simple phone call about the many returned mail pieces.... Where is the Customer Service...

I was told I had the loan. Signed all the documents. Then was told they could only deposit $1000. And I had to send $500 back using Zelle. Then the other $4000 would be deposited. I did all that now can't get a hold of anyone to get my money. I wanted a loan to pay off some bills. Now my phones and electric is going to be turned off.

I went through the loan approval process and, after jumping through all the hoops, was finally approved with no issues—until the very end. They sent me a link asking for the AX number from the bottom of my Discover card. I explained over the phone that I didn’t have the card on me at the moment, and was told to "Click other options" to verify my identity. As soon as I clicked that, my loan was automatically DENIED for failure to verify my identity.

I’m writing this review just to warn people ahead of time not to go with Discover Personal Loans just because of the poor experience that I had working with these people and I had to sit here and deal with these people for a week and a half just for them to turn around and keep telling me the same thing over and over on the phone after I’ve talked to many representatives and still got nowhere and I finally just gave up on it and just told him to forget it and at I will just go and get a loan through somebody else. I have a Discover card which quite honestly I’m gonna pay off and then not even deal with these with this company anymore. Just a forewarning to anybody that’s looking to try and get a loan through these people go through somebody else!

I have had personal loans from Discover for several years. In 2022, I took additional funds and consolidated my loan. A few months later, I decided it was better for my finances to change my payment date from the 27th of the month to the 2nd of the month. I made the change myself online, which turned out to be a huge mistake. Over a year passed and my regular monthly payment was deducted on the 2nd of the month from my bank account. I'm a 70 year old retiree, and I was not in the habit of logging onto the Discover website to monitor the account. Later, I was shocked to find out that Discover was charging me a $39 late fee each month since I changed the payment date! This is even though my monthly payments were paid automatically to Discover every 30 days. I was informed that the due date can only be changed by Discover, although the customer is free to change the automatic payment date online. So I racked up late fees of over $600!

If I could leave zero stars I would. Discover Personal Loans are ridiculous. My husband and I applied for a loan for $10,000.00. We submitted all documentation and there was one step left before we’d be approved. The representative was on the phone with us and stated that she needed to verify our phone number and we’d be all set. She put us on hold to call us. We both had our phones at the ready to answer. Nothing. The representative came back on the line and stated that since she could not verify our phone number our loan was declined. Whoa, whoa, whoa! What?

I was doing well, had a great credit score, great job. Then everything snowballed. I moved, had a job.. got laid off, nearly 2 months later I still haven't received my unemployment, and I ended up evicted. You CANNOT set up any type of payment plan through the app - that's just a ridiculous way for them to waste your time. So, I called. The guy the I talked to had to transfer me to someone in their "finance" department. She insisted on a payment that day but for some reason, I'd have to call back at a later date to discuss a possible lower payment plan. I don't understand why? It's just giving me the runaround. All the while, I've been getting multiple calls from multiple numbers about this account. I'm talking at least 5 calls a day, all hours of the day, 7 days a week. I'm going to report them. I'm not going to keep calling them back and getting nowhere, it's ridiculous.

I applied for Discover personal loan 2 days ago. I was excited I would get approved. I firstly got my pre-approval online without a hard pull. Then went ahead to continue with my application which is a hard pull. I was told I needed to speak with an agent to move forward. I immediately called the number provided online. Spoke to this lady who was pleasant and told me I have to send in my driver’s license front/back, social security card front, utility bill or bank statement showing current address and 3 months bank statement showing cash flow. Mind you I have an excellent credit of 830, have been a loyal Discover cardholder for 7 year with 0 balance monthly and a credit limit of $16,900. I was too confident there won't be any hiccup.