Discover Financial Services レビュー 322

I uploaded documents that they said they didn't see even though they were visible to me on their website. I called FOUR TIMES about a Dispute but little changed and their help was minimal. They refused to tell me when at the very outside the dispute would be resolved. I regret opening a Discover card and will cancel it as soon as my balance is paid.

Do yourself a favor and stay away from Discover CC. They won't be there for you if and when you need them for a dispute. They almost always favor with the merchant. No matter how much everyone you have showing fraud, they still take the merchants side.

In January of this year I spoke with a Discover representative to lower my monthly payments. During this call, I was not informed that these payments would be automatically charged. I’ve had auto-payments off for about a year now, so this should’ve been made clear.
I made a payment on Thursday of this week for $66.50, as that’s what the app was displaying for March’s payment amount. The app also stated that my next payment was not until April. I assumed the payment for March had been made.
This morning (Saturday), Discover charged me $110 for March’s payment. I contacted customer service and explained that I have auto-payments off and I’d already made a payment. The rep then explained the auto-payment policy with discounted monthly rates.
I was not properly informed of this policy and would have made a different decision if I was. This is textbook bad customer service.
The cherry on top was the rep thanking me for making double payments. Seriously.
Once this card is paid off, I’m going somewhere else!

I applied for a secured Discover credit card, providing $2,500.00 as collateral, which was deducted from my personal checking account. Following approval, I received a request from Discover to sign a document through Equifax related to the Social Security Administration office; however, I was apprehensive about signing it. Despite my apprehension, I signed it since they had already taken my funds and mailed the credit card to me. On Saturday, March 21, 2026, I received an email indicating that I had a message when accessing the app or website. The message instructed me to contact Discover at 1-800-DISCOVER. Upon contacting Discover, I was informed that they had closed my account, and I would need to wait two billing cycles and ten business days to receive my $2,500.00 security deposit refund. Notably, I never utilized the card. As an Army veteran, American citizen, and individual with a disability, I find Discover's actions to be egregious. I am aware that Capital One acquired Discover. I requested that they expedite the return of my security deposit, considering I never used the card, but they declined.

30 years as a loyal Discover customer, and I’m in the process of closing my Discover accounts and those of my 3 college age children. Our son's card was compromised and was used to charge $800+ at a few retailers in the area where he goes to school. He reported the charges to Discover as soon as we questioned a couple of the charges, but the retailers said a physical card was used to make the disputed charges. I suspect a card copier was used to create a fake card, unfortunately not uncommon at all. It's unlikely that the retailers verified ID or any other identifying details at the time of purchase, and Discover's investigative process does not include an attempt to verify if IDs were used at purchase either. A quick google search of recent credit card fraud activity in the city where my son goes to school shows that we're not the only ones who have faced losses due to credit cards being copied. Bottom line -- we'll work with local police but we're stuck with the fraud. We're done with Discover and I suggest you look at one of many of the other options too.

Discover bank seems to want to charge regardless of what you do. I tried doing a good thing by getting ahead of my payments and paying about half the balance on my card. I was asked BY THE APP for my account and routing information (which is the same one they use for my automatic payments) and not a few days later I get a return check FEE because they couldn't process the payment because their completely outdated and ridiculous system somehow defaulted to an account I haven't used in more than 6 months. Not only that but it seems the representatives on the phone don't even want to help even when explained the issue and when I was passed along to web help the lady who took my call was this completely indifferent individual who didn't actually care for help and simply made note of my fragrant language (I cuss and that tends to happen when people are being aggravated by this heinous banking/credit card system) instead of actually trying to help. She claimed my "complaint" was being put in and openly admitted that no one was ever going to give me a call back about it or even address it on their end. Garbage banking, garbage credit cards, and especially garbage customer support I would tell you all who see this review to stay the HELL AWAY from discover bank in any way you absolutely can. DO NOT BANK with these people they will charge you a breathing fee if they could.

I’ve been a Discover card client for maybe three years now. Originally it was a necessary evil. But once I paid the balance in full I decided to use the credit card again. This time the experience has been AWFUL! My apr is incredibly HIGH. A payment of mine was rejected and although they send me weekly emails, they failed to notify me so I received a 30 day delinquency. No one in Customer Service cared. I was left stranded at a retail store having just made a $300.00 payment 8 hours prior to arriving. Please do yourself a favor and do NOT get this credit card! Choose a credit Union instead.

Vary poor customer service when they hang up on you. The fraud department will be the end of people using their card.

Discover Card has no support to their customers but just hearing the side of the merchant and will just respond to my complaint that the transaction is valid and dispute has been resolved! First time I encountered this kind of response from the credit card company. I requested that the investigation be re-evaluated on and sent my supporting documents on 2/3/26. I got a response from Discover 2/3/26, that the dispute is resolved and the transaction is valid! I know that the transaction was valid, I agree with that but I did not get my order! It was not delivered to my address! There was no help from discover at all. Very disappointed.

I have had a credit card with them for exactly 10 years, and always paid on time. I paid off my credit card back in August 2025. The remaining amount was interest fees ($31), so I assumed that this was finally paid off, so I removed my auto pay because they will take money out of your account even if there is no balance owed. I checked my account today (January 2026) and they have been charging me a late fee with NO NOTICE, which was $200 in late fees - I have not received any emails, any notifications in my mail, NOTHING about this. I called asking for a one time courtesy to remove these fees and I'd be happy to pay off my balance immediately, and unfortunately they will not waive fees. Shame on you Discover. I have now closed my account as I can't stomach giving this company any more of my money as I am sure they have already made thousands off me throughout the years, they should give customers a one time courtesy on this, especially when there is no notification. Very sly and disgusting. My mother is also cancelling her card here as well because of this.

I was charged on my credit card without activating it. After disputing it with Discover, they sided with the vendor. It seems that Discover tends to side with their vendors over their customers they have had 10+ years over a few hundred dollars.

This is not an exaggeration - I have had to verify my identity with my passport probably 20 times now. Just making the account was miserable. Doing anything with this bank feels like rocket science because it's all so difficult.

I charged an expensive auto repair to my Discover card. The repair was done wrong, a total waste. I tried to file a dispute with Discover. They labeled the dispute as fraud, as though on my part, and immediately canceled my card, though it had never been out of my possession and was no risk. Two different Discover "account managers" were unhelpful. One said she did not know how to help then suddenly her earpiece failed. The second had the first rep's notes but tried to claim he didnt. End result...no help.

Jan. 15, 2026. Customer service phone rep. Marissa did a excellent job of walking me through the bank app(discover bank) & helping me find whatever I needed!

Customer Service is The Worst...After of months trying to correct the errors made by Discover I sent the below email recently to the Executive Team (I use Executive Team Because that is what they "pretend" to be)
Email goes like this...."OK...it is truly sad that I have to keep addressing this unfair situation but this needs to be said ...Discover showed zero compassion during a serious medical crisis. Discover showed minimal understanding towards me....THE CUSTOMER. Discover Loans demonstrates a Total Lack of Empathy and a complete disregard for Customer Service. This experience with Discover has left me deeply disappointed. It is unfortunate that Discover Loans prioritizes financial gain over the well-being and health of its customers. Discover clearly puts money and profits over real customer service. I deserve a much needed refund!!! I left my number for the CEO many times and he does not have the goodness in his soul to return emails, letters, phone messages. Multiple emails were all ignored by the CEO. Guess he is too important to interact with the customers that made him very wealthy. Embarrassing and Shameful behavior to say the least...Shame on you Discover!!!!

I had done a blanace transfer through Discover before and then accepted a 0% interest rate offer again. This time the rules changed and they are charging interest on any purchases beyond the balance transfer - what?! Rep said they apply the funds to lowest interest rate now - again, what??? I'm transferring all autopays off and cancelling card as soon as it's paid off. Talk about predatory!!

If you get scammed by a fake company, they do not care if you have the proof and they will not refund you because you “authorized that payment”. They will also not allow you to close your account, even if you have one penny in your account. They will have to mail you a check for one penny. Absolutely ridiculous and I do not recommend banking with Discover.

Ivy has a very pleasant phone voice, excellent customer service skills, and handled my needs in a timely and professional manner. She was extremely knowledgeable and made me feel like a valued customer. This was truly one of my best customer service experiences ever.

God forbid you change phone numbers and can’t remember your password to access online banking. I have literally had to call 10 times and speak to every department just to update my number and I still can’t access my online account. It’s been a week and a half. I have never experienced anything like this with a company. Now I’m being told it takes 5 business days for your number to update and be reflected in the 2FA that wants to send a code to your phone number so you can set a new password. Tickets have supposedly been created and nothing has changed. It feels like I am just being given the run around. Ridiculous.

After beginning my federal career in the early 1990s, I opened my Discover Card account in 1991. For 34 years, I remained a loyal customer — until today, when I finally decided to close my account.

The decline in Discover’s customer service didn’t start today; it began about a decade ago. Around ten years back, I requested a credit limit increase, and the agent, after a brief glance at my name, flatly denied it without consideration or explanation. That was my first glimpse of how Discover’s customer service had shifted — from supportive to dismissive and prejudiced.

Today’s experience confirmed that nothing has changed. I called to request that late fees and interest charges be waived for a single missed payment — a payment I missed only because I was furloughed. The representative, ID 10113310, rejected my request immediately, without any empathy or willingness to help.

After decades of loyalty, I expected basic courtesy and understanding. Instead, I was met with indifference and cold professionalism that perfectly reflects how Discover now treats long-term customers.

Ten years ago, when Discover turned me down for that credit increase, I opened an American Express card — and I’ve never regretted it. Now, as I cut ties with Discover after 34 years, I feel nothing but relief.

Thank you, Discover, for reminding me — through your poor, heartless customer service — that loyalty means nothing to you.