Discover Financial ServicesReviews of discover.com

Consumers, be prepared to have enough patience to self-advocate. I made a purchase and the merchant gave in writing, one FULL YEAR (365 days) no questions asked 100% Money Back Guaranteed if it turned out to be of NO VALUE at ANYTIME within that time frame, and all that's needed is to send an email requesting refund (with several months left, I was nowhere close to a full year) After trying the product, I discovered several issues that made it didn't work for me. I contacted the Merchant first but because there was no response, I called Discover and opened a dispute. I fully explained the entire situation and said I'm not disputing the charge-its just that I"ve not heard from the Seller regarding the Full refund. Discover claimed they'll launch an investigation. However, they reversed the credit in Merchant's favor, stating the Merchant wasn't required to submit documents. Yet they sided with the Merchant and gave me a very difficult time requesting PROOF even though Merchant already wrote PROOF in Subject Line of correspondence that mattered. (PS: see more detailed explanation about documents in proceeding paragraphs: I was confused because I was told if they needed docs from me, they'll call me if it's necessary. Needless to say, I was not called and by the time I saw update, the credit was already reversed. I called immediately and was told I can upload docs and they'll reopen case. I uploaded 6-7 documents (PROOF of email from Merchant regarding refund, correspondence, receipt, etc) YET that wasn't enough for Discover. I wasted so much of my time and energy on the phone with them, as I was at a loss about the additional docs they were asking for. I was told they need: Document from the Merchant that he promised a Refund, What date should I receive the refund and to which account it should be credited. This requests was ridiculous because they already had PROOF -the very detailed 3 page email that Merchant sent as "PROOF" in Subject Line which laid out the policies for FULL REFUND at anytime For a FULL YEAR 100% money Back Guarantee-No questions asked. I kept saying the refund/credit is to be placed back to the method of payment from which the purchase was made (ie. Discover Card) it was beyond frustrating to deal with customer service reps-as nothing they were saying made sense--they initially credited the amount to the Discover card-the card I used to make the purchase before reversing it, but now they needed info from Merchant to state where should purchase be credited??? Make that make sense. The hardest thing was hearing them say without these things, I'll not receive the credit-but I can contact the local government and file complaint, or the FTC etc. My energy was so depleted after dealing with Discover reps that I decided to give up on following up. It was evident to me that I was getting nowhere with them, and the entire process began to sap my energy. Discover NEVER assisted me with the dispute-instead they conjured all sorts of additional conditions, despite the fact that legally those conditions were already met. I'm still beyond discombobulated and distraught as a result of my experience throughout this process. It made me realize there's lack of care for customers with honest disputes and the dispute process with Discover will frustrate you to the very end. In the end, it was the Merchant who created the solution but I had to painstakingly send multiple emails to merchant. Discover did nothing to assist me in this matter; had it not been for the Merchant honoring the very email that I sent Discover as PROOF regarding the promised Refund, the dispute would be a lost cause. At this point it's useless for me to notify Discover of this complaint, I spent so much time on the phone repeatedly explaining the unfairness and confusion regarding their requests and it fell on deaf ears. It's unfair for me to have spent time feeling like despite evidence already provided, they insisted on things that were not necessary. The fact that a merchant was not required by them to present documents during the dispute but they sided with the merchant surprised me. Then it happens that it was the Merchant (after several emails between Merchant and myself), who issued a full refund as promised in evidence.

Discover is one of the worst card provider I have ever seen. I had them since I arrived in US 3 years ago. I have never missed a payment too. A few days ago, they threatened to close my account if I don't provide them permissions to look at my irs tax returns. Worst lender. They disabled my card without any notice. Stay away from them. They are not trustworthy people

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 asked you to extend that time from two weeks to four weeks, to what did the cheerleaders say, "Okay, four weeks is the maximum we can give you." What do you think? My card was blocked two weeks after I sent them all the paperwork. When asked why they blocked it, they said I filled out my paperwork at the wrong notary, I only needed a bank notary. After a couple of days (My card is still blocked) I went to the bank where I asked the notary to fill out the correct document, everything looked okay and I sent it. 10 days later I called the bank and asked if they reviewed my documents, they replied that yes, but can not accept them, as the notary did not fill in the field "Notary Commission/Identefication numbder" One reservation, I live in New Hampshire, here do not use this number. I have only one question, how a notary who checks my documents may not know this, because the document says that the notary has confirmed them in NH. I asked them to talk to the manager of their department, and they told me he wasn’t there, but he could call me back in two days (it was 10:00 AM at the time) but I still had to go back to the bank and ask the notary to fill out my form. So I did, the whole story, in the column "Notary Commission/Identefication numbder" Write "N/A in New Hampshier", send, 14 days, no answer, I call the bank, and they tell me that my date of birth is not readable in the document. (At that point I just felt like I was in a circus) 3 times I sent the document, and 3 times I faced incompetence of employees. I asked the support guy, "Can you read my birthday?" And he said to me, "Yes sir, I can see here *Calls my date of birth*, but the notary’s department said it’s unreadable, so I can’t help it. He added that if I didn’t confirm my identity in two days my account would be completely blocked. I asked you to talk to the manager, and I was told that he wasn’t there as usual, but he could call me back. SPOILER: The manager hasn’t called me once. At the end, I was told that if I didn’t confirm my identity in two days, my account would be permanently blocked. I did all the same waiting 14 days, and I got a message that my account had been blocked. I’m dialling the bank to find out what’s wrong again. Why this time they could not confirm the document. The support person says, "I see the comment that we called the notary once, he didn’t pick up, so we couldn’t confirm your identity. We cannot recreate your account because it is blocked, you can try to create a new one. Here’s what I can tell you. No company or bank has sucked as much nerve as Discovery Bank. I think if there’s a bank in Hell, it’s called Discovery Bank. As a result, I used a card for 1 month, spent 64 dollars out of 1000, (I paid it before state) And then 2 months met with employees of the Discovery Bank who are either not so interested in their work that would Google that NH could have other laws, The libor is so not motivated to provide quality service that even after two requests to contact the manager, the manager can call you back only in a dream. Either Discovery Bank decided to recruit Or the Discovery Bank decided to recruit people who can’t parse complex numbers, like dates of birth. I don’t know, you’ll deduce for yourself. But I assure you, if you have the opportunity to open an account with another bank, in any case, TD Bank, American Bank, Chase Bank, open there, avoid Discovery, such experience that was with them, I would not even wish the enemy.

Extremely difficult to have access to your own money, unable to transfer to my bank, only option was mailed check which I haven’t received 10 days later and supervisors very unhelpful

I hit rock bottom and my almost ten years of no missed payments history was crushed. Thank you SoFi. Thank you Discover personal loans. Thank you Experian. I appreciate all of your help. My goal was to consolidate my debt, I said "almost ten years with no missed payments, someone is ought to notice the effort it takes to hold on tight that many years." Right, think again. Discover was my first credit card out of high school and almost made it ten years without a missed payment. Still, turned me down when I needed to consolidate my debt. Crushed.

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.