Discover Financial Services Reviews 

Applied for a personal loan. I have no debt except a reasonable car payment - and a credit score of 827. I was turned down for a loan and their reasons were completely ridiculous. The process took DAYS. not next day as they advertise. Multiple calls from people who apparently have no idea what they are doing. Now I have a hard credit pull from this scam of a company. DO NOT do business with them. *update - I got a Lightstream loan almost instantly - much better choice.

Closed my account without warning. Support staff is worse than useless and apparently "one of the harder cards to get" - Darla. If you're able to get approved by any other provider do that, Discover offers the worst perks and should be used as a last resort.

This bank is withholding my funds, and ask for unreasonable proof of identity while I am in Europe on vacation - like a picture of my birth certificate, SS card or IRS document with the SS# on it - who goes on vacation with these documents? Their debit card doesn't work outside the US, so all I saved up in that account is inaccessible to me in Europe. After passing all security challenges I put in place when I opened the account years ago, they now want a Photo ID with a selfie. They don't send the verification SMS to Europe, with the login code when entering the account online. I spent an hour calling from Europe and they simply froze my account. I request they close the account and transfer the balance to another US bank account I had for 30 years, and on file with Discover - no they can't do that, I was told. When I asked how would I have all the detailed and security information if I’m not the account owner, I was told that fraudsters have their way. I wonder now if they are liquidity issues? I suggest that if someone has an account with Discover with a balance of more than a couple of thousand, withdraw it asap, who knows what’s really going on with their finances.

I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least $500 a month to Discover instead of the $250 (twice the minimum agreed upon) I've paid on time since the agreement.

I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an "open" account I could not use, that they would create some arbitrary deadline to repay the entire balance.

When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State.

And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is "no credit available" a risk to them?

If your looking for a credit card that will protect your money Discover is not it. They go in favor of the merchant with disputed transactions. At first they said they would credit it and even though I provided documents because they couldn't get a response from the merchant they reversed the credit and had the audacity to report my account as a disputed account. Stay away at all costs!! My sister's credit card (a different company) took care of the dispute for the same illegitimate transaction no questions asked and she didn't even submit proof through documents. Look for a bank that works for you!!

I love this bank. No fees and their cashback debit card is awesome. Would highly recommend as an online bank.

Discover Credit Card offers keeps popping up on websites I have used for years. I finally accept the Discover offer, and Discover Credit Card offers me a chance to use their name if I pay $200 of my own money. I declined the Discover Credit Card offer, because it felt fake. Discover Credit Card offer popped up again, today.

Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money. Funny thing is the call I received from the fraudster was in fact Discover's phone number. The police that took the report said anybody can change their phone to show any called id they want. When I received the call from "Discover" regarding this, the caller ID showed I was actually getting a call from Discover so I had no reason to believe it was anybody else until I saw I had $3.00 in my account. Completely devastating for my family. They are completely uncooperative and are NOT returning our money. PLEASE, PLEASE stay away from Discover. I would hate for anybody to live the same nightmare.

avoid discover personal loans. i verified my address 10 different ways , and they kept telling me it wasn't good enough to verify my address, i kept sending photo after photo with the date and my address on it, but 1 1/2 days applying for a loan with SoFi and i'm already getting my funds sent. discover wasted weeks of my time , and only called me when i was at work and couldn't answer the phone. very unprofessional experience.

Nothing but positive reviews for Discover.
Their cash back incentives and customer service are excellent. Discover has top of the industry security and ease of use.

Husband applied for a personal loan with a credit score over 800 and 7% credit usage. They asked for a copy of his driver’s license, a copy of his Social Security card, a copy of a bank statement or utility bill, and bank statements for past three months. I thought this was going way overboard for this credit scenario on a $12K loan. It was three days before we logged in without any notification from them to check my application status, where we found out they declined the loan because they could not confirm his identity. What couldn’t they confirm? We supplied all the information they asked for, and they just closed out the application without so much as a phone call or asking any questions. We called, and the representative tried to pass it off as a problem with his credit report. I just pulled the credit reports, where there was nothing unusual. Now, his score dropped eight points because of the hard inquiry. Consequently, this has made it harder to shop for another loan as the quoted rates are now higher. Bogus! Thanks a lot, Discover!

Discover's Cardmember Agreement and business practices are disgusting! It is clear from my payments and activity that I was trying to avoid interest charges. I regret not checking my account earlier to notice the 5 months of interest charges at 23.99% caused because Discover took my final payment to be applied to my 0% $12,000 balance transfer in October 2022 for the final balance of $4,111.05 and applied it to charges other than my $12,000 balance transfer that expired in November 2022, forcing $282.59 in total interest charges to my account. I believed that I could
trust Discover since I set responsible automatic monthly payments and made zero purchases. I will never trust this fraudulent company with my finances and will advise others not to either. An ethical company would do better by its customer with facts as clear as mine and refund me their mistake of $282.59 in interest charges that I did everything right to avoid. I spoke to 5 supervisors that promised to resolve the issue and get back to me - none did. I made a claim through the BBB, but Discover didn't respond to my facts. Discover was able to steal my money because of their Card Member Agreement - BEWARE!!!

Discover will always have international students hearts. I needed to start building my credit, went to TD Bank, my bank for almost 2 years with no single bad record. I was denied twice, reached out to a friend who sent me a link to discover, it took almost a month to be verified but they came through. Needed an urgent card and Anthony from Chicago ( should be given a raise), made sure I got a new card the next day. Thank you for helping international student, your company is amazing. I recommend 100%

Within 24 hours of activation of my first credit card with Discover, I had my account frozen pending identity verification. After providing the information and unlocking my card, another department froze my card and sent me a message saying that I needed to provide consent for the IRS to give them my last two years of taxes to prove my identity. When I argued that my taxes shouldn’t be required for verification of my identity, they told me that they could use my last 3 months of bank statements and a notery form as identification verification. I believe that I am being lied to and treated as if I am undereducated. I am willing to bet caucasian customers from larger cities are not treated like this.

Discover scammed me with Coleman furniture. Coleman furniture is well known for scamming its customers by all means necessary. just look up pissed consumer online. Long story short Coleman furniture wants me to pay restocking fees for furniture that NEVER made it to my door step. Discover initially gave me back my money and said the decision was final. Then went back and credited me for a whole lot less. I have all of my proper documentation showing I'm telling the God honest truth concerning this matter. The thing is yhe delivery company lied to coleman and sided with them. I'm NOT paying for furniture I've never received or was notified of. I never got a notification of anything until I filed my dispute. Discover went along with Coleman furnitures lies and I'm I refuse to pay for something I didn't receive. If discover wants to make this issue right they need to do the right thing on my behalf. If not that's fine too. Again we're living in bad times. Folks aren't paying for things they've never received. Does discover think I've got fool written across my forehead???? Try again slicksters. What goes around comes around.

To be real I kind of blame myself for putting so much faith into an online bank. I have a separate bank checking account and I transfer my savings into discover so I can receive the interest benefits discover promises in action. That held truthful, but when it came TIME to withdraw the savings I learned that I can’t. Wtaf it’s my money and I can’t have it? Apparently you can only withdraw from your credit but my cash advance limit (how much I can withdraw) is SIGNIFICANTLY lower than my savings amount. So basically I put in 1.6k into this mf and can’t even pull half of that through my credit 🙃 I’m closing my savings account.

they say cards for students no credit needed and once you fill out the application form you get a hard inquiry. its ridiculous

Compared to most companies in the sector, Discover as a company has always been very customer friendly to me. My experience using their rewards program is above average. Discover is pretty much accepted everywhere that accepts a CC, and more than Amex. I have several CC's, so I usually take advantage of the 5% quarterly offers with my Discover card. That's over double what other cards offer (except initially, sometimes). Pretty solid.

I asked for an increase in my line of credit from 10K to 20K. I was offered 3K more. I have no missed/late payments, FICO score of 810, a healthy balance in my Discover Bank account and no debt. The astounding thing is they would not give me a clear explanation of why I was denied and that I would be sent a letter explaining the rejection. Changes coming!

STAY AWAY , do you understand these two words? I applied for a credit balance transfer card. I didn’t like the credit line, and I didn’t agree to the terms. The same minute I called and canceled the application. Two weeks later, they went forward with the balance transfer and now asking my money. They investigating like 3 months but nothing; they running around . STAY AWAYYYY