Complaints

This profile includes complaints for Discover Financial Services's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Discover Financial Services

  2500 Lake Cook Rd Riverwoods, IL 60015

  
• 

  Discover Business Services

  P.O. Box 52145 Phoenix, AZ 85072

• 

  Discover Card

  P.O. Box 15156 Wilmington, DE 19886-1001

• 

  Discover Card

  P.O. Box 15162 Wilmington, DE 19886-1001

• 

  Discover Card

  P.O. Box 15163 Wilmington, DE 19886-1001

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/02/2022

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Have made repeated attempts with Discover card to resolve dispute with a vendor MBenzGram located in ************** *************). In July 20, 2021 ordered an car exhaust system from Mbenzgram. Once the order lead time passed, I contacted the Company to inquire about the order and was told it wasnt shipping until 12/23/21. When the item wasnt received by that date, I contacted them again and told it will be a few more weeks. Reached out again, and the Company now claimed it would not ship out until June or July 2022. At which point I cancelled the order in February and was told the order would be refunded in 5-7 business days. Refund was not received and reached out again on 3/1/22, to which they stated someone from accounting would reach out but no call was ever received. Email sent again on 3/5/21 inquiring about the refund and received the same reply that the accounting team would reach out - no response. A dispute was then filed with Discover on 3/8/22. Discover closed the dispute on 4/8/22 determine the charge was valid and not enough supporting evidence. Discover never reached out about the dispute. When Discover notification was received, I contacted Discover on 16 different occasions through 5/2/22. Numerous times told a supervisor would call back and only did on one occasion. I submitted all required documentation requested by Discover to evaluate the claim. On each of the calls, Discover required more documentation which has been submitted and also attached to this complaint, included an email from the vendor indicating the money was refunded to Discover. Discover had no record of the refund. Final call to Discover, before filing this complaint was on 5/2 and a supervisor could not be reached. Discover has provided multiple different reasons on why the charge will not be refunded. Discover refuses to do anymore with this claim and the vendor states they have refunded the Discover account. The charge in question is for $1305.59.

  

  Business Response

  Date: 05/11/2022

  Attached

  Customer Answer

  Date: 05/15/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:05/02/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Discover is charging me for a cash advance using a check number that I didnt use on April 14, 2022.

  

  Business Response

  Date: 05/24/2022

  Please see attached

• Initial Complaint

  Date:05/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. ***************************** $365.00 Acct # ************

  

  Business Response

  Date: 05/05/2022

  Attached

• Initial Complaint

  Date:05/01/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is *****************************. Six (6) Months ago I opened a secured "Discover It" Credit card #******************* I have a total of $2,000. cash on deposit with Discover to secure the same credit line. I was promised that after (6) months of payments my deposit would be returned and I would be"Graduated" to a non-secured card. Yesterday I was informed I have to wait a additional (6) months minimal for possible consideration.*Note* I never have been late or missed a Discover card payment. I believe Discover is running a systematic FRAUD to collect high interest payments to enrich themselves from people such as myself who deposit cash with Discover in good faith with a false promise to deliver whats was advertised. Additionally yesterday during a phone call with discover I was encouraged to close my Discover account by a management member when I expressed my frustration. I Did Not Close it knowing the long term credit damage that would occur to my credit score. I can only can conclude that Discover is playing the old carrot in-front of the donkey FRAUD at the very expensive cost of the public.

  

  Business Response

  Date: 05/11/2022

  Please see attached

• Initial Complaint

  Date:05/01/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a member of Discover card since ****. I have an excellent credit rating. My Discover payments have been on automatic payments for well over four years. I received the usuals confirmation email on March 2022 that my payment had been received on March 1 in the amount of ******. I did not receive any communication informing me otherwise. On March 11, I began receiving emails stating my payment was overdue. I was not concerned since I had confirmation that payment was received. I thought it might be a scam from someone trying to convince me to make another payment. After continued emails and telephone messages I did contact Discover. The agent I spoke with kept insisting payment was not made but was not forthcoming about why. I reviewed my bank account information with him (which was correct). He then began asking about an account with ******************** I informed him that I never had an account with ******************** Apparently a Discover employee charged an old bank account my husband had over 10 years ago. The agent then wanted me to take responsibility for this!!!!! They had my correct information on file and it is not the customers responsibility to pay late fees and be penalized for the banks error. They said they would credit my interest as payment but continue sending correspondence that I am late on my payments. This is a prime example of an unlawful and unethical business practice. I have made my April andMay payments but will not be held responsible for Discovers error and subsequent (attempted) cover up.

  

  Business Response

  Date: 05/05/2022

  Attached

  Customer Answer

  Date: 05/09/2022

   
  Complaint: 17129583
  
  I am rejecting this response because: I received a message from Discover **************** on May 3, 2022 from ********. I returned the call but I was connected to voicemail and left a message for her to return my call. I called back again on Friday morning (May 6,2022) and spoke with someone other than ********. She placed me on hold and when she came back to the line, she did not seem to be well informed of what my situation was and I ended the call. Discover continues to charge me late fees on my credit card and also the Personal loan I took out in February. At the time I had accepted the terms of the loan I agreed to automatic payments for the 5th of every month. Discover in March, tried to charge a bank account from ******************** which is not my account and never has been. I am being forced to pay late fees and have my credit ruined because they are not charging the bank account information I gave them for AUTOMATIC PAYMENTS. How and why should I be penalized if they incorrectly charged another bank account??? Im not sure where the First National banking account numbers came from since I have never had a checking or savings account there. Every single time I call Discover card or Discover personal loans, I am met with a single minded attitude from its employees who have been brainwashed to collect money at all costs and do not use common sense! This has been one of the worst customer service I have ever experienced. I refuse to take or pay for Discovers error. They need to research why this bank account was charged instead of the correct account that they had the information for. 
  
  Sincerely,
  
  ***********************************

  

  Business Response

  Date: 05/16/2022

  Attached

  Customer Answer

  Date: 05/22/2022

   
  Complaint: 17129583
  
  I am rejecting this response because: Discover continues to make errors with my billing. This month on card # **** I was charged twice for a monthly payment. I contacted my bank and a charge dispute was filed and found valid by ***********************.  I then received a letter from Discover cancelling my auto pay. Again, penalizing the customer for a billing error on **********************'s end. Please see attached billing for March 2021 for Personal Laon #****.  It clearly states that Personal Loan # **** is on automatic payments. When I secured this Personal Loan, I finalized the agreement over the phone with an agent. The agent was given and repeated back the numbers for my checking account which was correctly on file. Discover failed to properly **** the account then discontinued my automatic payments and is now harassing me for a late payment????? REALLY???? How can a payment be late if it is automatic and you have the correct billing information???????? Account #**** was incorrectly billed in March 2021, even though the *********************** information was on file . Discover billed a account for ******************* which I do not have or have never had an account with. I have been a Discover customer since **** with an excellent payment history and credit rating. I refuse to pay fees and have my credit ruined due to Discover's incompetence. As far as speaking to "********" on the telephone on May 4, the letter fails to say that as I began to tell her the information listed above that we conveniently became disconnected on ********** end. Can you imagine????? I know...........it was probably my fault, right ********?  
  
  Sincerely,
  
  ***********************************