Discover Financial Services Recensioni 322

Replying to this review: the exact SAME thing happened to me. I opened the card to build credit and it ended up ruining my credit because they of course close and report it. They sent me the notice that they needed a different address on the SAME DAY of the deadline which didn't even give me time to provide the information they needed. I cannot believe credit card companies are allowed to do this.

Another corrupt credit card company.
Another corrupt credit card company. I opened an account and had it for about 1 year. I never had a missed payment. I then received a letter in the mail from the IRS, stating I needed to verify my identity. I completed the form in it's entirety with current information, next thing I know the account is closed and reported to the credit bureaus. I called about it, and because I provided my current address and not the address that was on file in the previous tax year, the account was closed with no option to re-open yet of course I still owe the entire balance, etc.

Just opened new savings account to start off my 2024 goals, love the interest rate, 4.35% blow chase away

Another corrupt credit card company. I opened an account and had it for about 1 year. I never had a missed payment. I then received a letter in the mail from the IRS, stating I needed to verify my identity. I completed the form in it's entirety with current information, next thing I know the account is closed and reported to the credit bureaus. I called about it, and because I provided my current address and not the address that was on file in the previous tax year, the account was closed with no option to re-open yet of course I still owe the entire balance, etc.

If you ever need to borrow money, seek local credit agencies. Do NOT, and I want to repeat, DO NOT EVER use these big credit card companies as the way the conduct their business is in a manner that benefits them solely with minimal consideration for their clients in any way. Go local, boycott big business like this, it is your responsibility as a rational and moral human to do so.

please do not get the discover card secured card, big waste of your time and money! they will screw you over! they will never refund your deposit! big warning!!!

They did three things:
1. They promised to set up an auto payment, but never did it and never notified me. Because of this, I missed several payments.
2. I then complained to them, but their customer service leaked my and their other customer's information.
3. They enrolled me in a program that will suspend my account, but without letting me know.

Cancelled auto pay without notifying and then sent to credit bureau’s
December 8th, 2023
Recently had my checking account hacked so had to open new account and set up new payment methods.
Discover decided to cancel autopay without notifying me. Then reported me to all 4 credit agencies for missed payments totaling around $70. The whole time I thought that I was still set up for autopay. My credit score dropped over 100 points. How can you do this kind of thing to a loyal customer who has never missed a payment? How about you make an effort to let your customers know when you cancel autopay? What do you think is going to happen if you cancel autopay without telling someone?

I made the decision to open a checking account with Discover about 2 years ago and I couldn't be happier. It is not a brick and mortar bank, but there are zero fees for having an account with this bank. No minimum balance required and no overdraft fines (I've only been over one time). There are tons of ATM's that you can use with no ATM fees, you just open your account online and put in your zip code and it will populate a list. The customer service is outstanding and if you lose your ATM card they will express ship you anew one free of charge. The icing on the cake is you get back 1% of your ATM purchases just like the Discover credit card, only the credit card gives you 3%, I think. Still I get back about $4 to $10 a month that I have transferred to my checking account when I am running low. Sometimes I save it up for a couple of months before cashing it in. You can deposit money from checks through participating ATM's and put cash in your account at Walmart stores financial hub. I am disabled so i receive a check monthly from SSDI and Discover makes those funds available to me three days early. I have absolutely no complaints with this bank. I highly recommend opening a checking account with them. I also get free checks which I use one a month to pay my rent. Great bank, something I never thought I would say,

I got the Discover It card with hopes of improving my credit score. I paid the deposit with promise of getting it returned after making six on time payments. Several months ago they sent me a message that I only needed one more on time payment to get my deposit back. Well, I’ve made six plus on time payments and nothing. I go to customer service chat and Diane from Salt Lake City, UT told me that they start to consider giving you back your deposit at six months. That’s not what the message you sent me said. I can read. I’m canceling this waste of time and better get my deposit back. Don’t bother as you can see by the many 1 star reviews. Over 70%. That’s shameful.

If the biggest bank in the country which is Chase Bank does not accept your credit card, so what’s the point of you bargaining about yourself that you are a great financial platform? But I think you’re doing it on purpose so a lot of people with Chase and they may want to use your platform to pay their credit, so what do you do is to get a lot of money behind that is to charge for balance transfer 3% of the entire credit!WOW.SCAM

Discover Bank robbery x2
Robbed me twice, courtesy of Discover Bank. Online accounts were hacked/compromised. Found unauthorized transactions on my checking debit card. Called & went through fraud protection, filed a police report, & asked for ALL of my accounts to be locked. This request was also recorded by Discover. 2 hours later an unauthorized transfer of 7k was taken from my savings account. Notified Discover, filed police report, etc. Discover now says they couldn't retrieve the UNAUTHORIZED transfer so tough s**t. Are they not FDIC insured as they claim? Is their online security so bad they cannot prevent this? Are their online reps so confused that my last call was transferred to (7) different people with no resolution? If you have any hope of KEEPING your hard earned money do NOT, repeat DO NOT, put it in any Discover Bank accounts!!! Please learn from experience, dont be a victim like Discover has made me!

I noticed a discrepancy on my statement. I called and the first lady from Illinois helped me go through each transaction with me & also noticed a discrepancy so she transferred me to billing. I reached Taylor at billing who was very rude at assisting me. She started out with an attitude and kept sighing as if I was annoying her. I asked her if she can go through each transaction with me so I can see where I went wrong but instead she kept saying “it all adds up, I’m using a pen and paper and it all adds up and you can’t even do it with your calculator”. I kept asking her if she can just go through it with me but then she sped read through my transactions and kept saying it all adds up. Seems like she really didn’t like her job, my peers overheard the call since she was on loud speaker and there were also disappointed with the way she spoke to me. I asked her to transfer me and I had a very nice lady, Evelyn who kindly went through the transactions with me and showed me where I went wrong. I’ve been working customer service for almost 10 years and I’m always kind to people at their jobs. But Taylor didn’t want to help me at all and she made me feel really bad about myself. Discover should hire more people like the other two ladies than pieces of work like Taylor.

Always been responsive via customer service at all hours and works well for all credit card and banking needs.

Be aware that bank transfers to this account take way too long to become available (I've had waits of a week just to be able to spend my money).

I have had to loans from this company easy process and a fair rate.

Discover notified me when someone tried to make a fraudulent purchase on my card. I'm so thankful for that notice cuz I didn't make the purchase & Discover did help me close out old card, get new one & I didn't have to pay for all the help. I can't thank them enough for taking care of me. Eternally grateful! I so appreciate what they did.

Discover has truly disappointed me. After being a loyal customer for over a decade, I recently discovered that my credit card limit was slashed without any prior notification. My once substantial $25,000 credit limit has now been reduced to a mere $8,000. This sudden change not only left me shocked but also caused my credit card utilization to skyrocket and consequently, my credit score took a significant hit. It's disheartening to see how Discover can stab its long-term customers in the back without any justification or warning.

Terrible inadequate people working at Discover. They let a fraudster steal thousands of dollars from my account. They don’t care about the consumer. They are not doing anything about spoofing numbers pretending to be from Discover. I truly hate for one moment I trusted them with my money. This is not the end!!!

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