Discover Financial ServicesReviews of discover.com

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.

I rarely write reviews, but my recent experience with Discover Bank was unnecessarily stressful and disappointing. I’m a Registered Nurse working in the U.S. and a Canadian resident as well. I already have accounts with other U.S. banks, so I thought opening a Discover account especially for savings, would be straightforward. Unfortunately, that was not the case. I started the process on Friday and by Monday, after several verification steps and “security processes,” I found the entire process hectic, repetitive, and confusing. After going through all their identity verification and security checks, I was finally given an account number, but when I tried to activate it, the system required an authentication code that could not be sent to my number just because it’s a Canadian-based number. What makes this even more frustrating is that my phone plan fully supports both U.S. and Canadian networks, I even pay extra for that. Yet, Discover’s system automatically disqualified me after everything was completed, with the response that I “cannot have a Discover account.” That makes absolutely no sense. I live, work, and bank in the U.S., and all my information was verified. To be denied access only because of the type of phone number, after hours of effort and sharing sensitive personal details, shows how outdated and inflexible Discover’s system is. Discover Bank really needs to modernize its security process and support cross-border professionals who legally live and work in both countries. Other U.S. banks handle this without issue, so there’s no excuse. I won’t recommend Discover to anyone who lives or works across Canada and the U.S. The experience was disappointing and a waste of time.

Discover failed to protect me in a clear case of overcharging. The vendor delivered fewer items, some damaged, and still charged me for unavailable products — yet Discover sided with them. Very disappointing customer protection. Discover does not protect customers in disputes — don’t go for it!!

If I were able to give this card a negative star I would. I have had this Discover Miles card for long over 3 years and I had thought I paid in full and deactivated, but it seems that some purchases were still pending and now I have to pay more than double of what my personal purchase total was on fees. I tried to see if I could get some of the charges revoked but it seems they say there is nothing that can be done. Even through hardships that I mentioned such as being unable to work and not making money and on top of that on getting my car totaled, it seems as they cant do anything and aren't helpful at all. They suggest a payment plan where you do a minimum payment, however extra fees will keep piling up afterwards. They do not care for loyalty or their customers at all.

95% of the time I am unable to login to my online account. Don't believe tech support when you are told that it is due to a VPN service. I am able to login to my account through my IPhone and IPad - both of which have strict VPN services. Take my advice do not apply for a Discover credit card. You will have issues after issues after issues! Save your sanity!

This has been the most disappointing experience I have ever encountered. I purchased a lifetime subscription, and after being charged, I discovered that the service provided did not match the description advertised. The quality of the service was extremely poor, which was the opposite of what was promised at the time of purchase. When I attempted to dispute the transaction, the dispute team informed me that they could not assist because the merchant had provided terms and conditions that I had agreed to during sign-up. However, there were no terms or conditions stating that I would be required to pay for services that did not match the advertised description. This experience was truly frustrating, as I have never previously been denied a chargeback by other banks when the quality of a purchase failed to meet reasonable expectations. This will be my last interaction with this organization. If you value your consumer rights and expect fair treatment, I strongly recommend considering a different bank for your financial needs.