Discover Financial Services Recensioni 322

So I used my Discover card for a few months when I first got it, but paid it off like a good person.

I went to go try and use it and they had canceled my card.

I eventually did find the email, but they never even sent me a letter and when I called them, the manager said they will NOT even consider re-opening it. WOW

All because I hadn't used it in a while. They could have at least sent an email or a letter saying they would cancel it if I didn't use it within X months, but they didn't.

I spoke to a friend who said the following: "they cancel accounts that have not been used in over one year. Happened to me. No warning, no appeal, nothing. I also know they downgraded my son’s credit card limit because they thought his utilization rate on OTHER accounts was too high. Again, no warning, his card just gets declined when he thought he had ample available credit."

They used to be so nice to me and now this. TERRIBLE experience now.

I’ve had great service from Discover. Been a cardholder for years. No issues. Got a personal loan from them a few months ago. Everything has gone seamlessly. Funds in my account in less than 48 hours. Their app is definitely one of the best out there!

RIDICULOUS HIKE IN INTEREST RATE after being a customer OVER 20 YEARS!!!! CUSTOMER SERVICE COMPLETELY UNRESPONSIVE! DONE!!!!

I applied for a personal debt consolidation loan through Discover. I was approved for the amount I had requested. I didn't know until I was filling out the final steps of the application that Discover bank wants a list of your creditors and they will pay the bills you want to consolidate. If there are any funds left, those get deposited into your bank account. My opinion is that if I am responsible enough to maintain a good credit score in order to be approved for the loan, then I can certainly pay the bills I want to consolidate. It made me feel like I couldn't be trusted to use the funds in which they were intended, so I am not going to proceed with the loan process.
Don't use their credit cards either. I had one to use for emergencies, and since I didn't use it enough, they closed my account. Lastly I read several bad reviews from other customers who used consolidation loans and say that Discover did not pay their creditors or give them any funds that were left over still charging them interest fees.

Do not get a Discover Card...
If you already have one NEVER EVER use it for recurring payments.

I signed up for a monthly service with no term obligation. The service was no longer available to me but the merchant kept billing the card.

I opened a dispute with Discover who gave me an itial credit but then charged it to my account again saying that since I once authorized the merchant they cannot block the charge or credit me for the charge where I did not receive service. This happened again the following month and Discover agent told me the only way I can stop paying these charges is to close my discover account.

I had to do it which will have a negative impact on my credit rating.

There is nothing you can't get from some Visa or AMEX cards that you get from Discover... NEVER get this card. And if you have one NEVER EVER use it for a recurring purchase.

I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it.
It is not benefiting them at all to hold it that long, meanwhile I'm the one suffering without my money.

I was subject to an online scam booking a hotel room using my Discover Card. I recognized the fraud immediately in part because as soon as I hit the complete reservation button I received a Discover Card alert that my transaction threshold had been exceeded. This alerted me my card had been charged for more than I expected and including unauthorized charges. So I called Discover and they said they couldn’t do anything until the charges post. They sent me a transaction alert then said they couldn’t do anything about it, very amusing - so what’s the point of the alert. So I called the merchant to cancel the transaction and the customer service number was to an offshore call center who canceled the hotel reservation, but said it was non-refundable because I needed to cancel by yesterday. And I said I couldn’t cancel yesterday because I booked today. Note part of the merchant scam was not disclosing the bogus cancellation policy or the 50% “service charge” until after the “”complete your reservation” button was entered. So Discover didn’t even buy that an egregious charge disclosed after a transaction was “approved” was authorized by the card holder. I disputed the transaction with Discover 3 consecutive times and every single time the merchant sent in documentation that I did cancel on time so they denied the dispute. In meantime I had rebooked the hotel directly with the hotel so I am out quite a bit for this scam. The last conversation with Discover they agreed this was a scam, but said a scam is not fraud as covered in the user agreement. So they will not remove the charge because they said I authorized it. Even though they acknowledge it looks like a scam. I asked for the merchant documentation to review and they two two weeks to send it. They would not provide me with information about the merchant and the phone numbers they had for the merchant (CCI Hotels) we’re not working numbers. The internet is littered with complaints about true merchants business practices yet Discover has decided this is not their problem, it’s mine. In the short term this is my problem, but I. The long run this problem is Discover Cards. There should be consequences for enabling fraudulent merchant behavior and mistreating customers. Please thumbs up if you agree.

I just had my home equity loan thru discover and I couldn't be more satisfied by the experience. their processing time was shorter and faster than what I was expecting, they communicated clearly thru every step, every time I called I was able to speak to someone right the way. I highly recommend it.

Horrible. They work with the merchant and not the customer

Horrible customer service. After recommending friends and family I will never do so again. After making a purchase where Discover denied my dispute even though the merchant who not comply. This shows they do not protect your purchase or care about their customers whatsoever. I did submit all documents they requested to back my dispute.

My first guess would be that Discover is going bankrupt, or struggling to stay solvent. They send a fishy email claiming that they need an IRS form completed, but when you call customer service to ask about this email, they tell you it is a pfishing scam, and that it did NOT come from Discover, and to disregard those emails. But then later they freeze your account, and have stripped all forms of customer support to non-existent levels. I have held 2 discover accounts for years, and have a perfect history with them. No other credit card company has done this to me.

Worst company. Be warned, finally closed out my loan.
Usery, theft. Dishonest.

Really I dont know what is going on with Discover but to reach the security department there is a waiting time of 2 to 3 hours... and good luck if they not disconnect you after all... Looks like Discover being hacked and they keep quiet about it...

I had a Discover card for about 5 years. They sent me an offer, that if I got someone to sign up, they would give us each $100. I talked my girlfriend into applying for a Discover It card. Knowing her credit score is over 800! She is a half owner of our house, bought a brand new Toyota, etc. Didn't think they'd turn her down! She called in a credit application, and they refused her a card. When I called to inquire they got nasty with me. When her denial letter came back it showed an 815 score for her, but they claimed not enough income! Needless to say after 5years I cancelled my Discover account with a 0 balance!

So June 22 2022 @2:30am I received an email about unusual activity. So I attempted to reach out to Discover to see what the issue was and to my surprise there is a 2-3 hour wait time to speak with someone?! so I hung up. I have a very busy life on top of being a mother of 3 small children.2-3 hours is not reasonable for me.. I barely have an hour to myself let alone 2-3. Here we are today July 2022 & my account is still frozen.. the wait time is still 2-3 hours to speak with some. Like what the hell is going on here?? I just want Discover close my account and send me my balance to my address on file. The audacity of you people to freeze my account and be impossible to get ahold of?! I don't recommend anyone bank with Discover they're very unprofessional unreasonable and all around ridiculous! At this point I don't want to talk to anyone. I want my account closed and my money in my checking account sent to me! NOW! ENOUGH OF THE GAMES! They can not do this to people! I think that there should be a class action lawsuit against these people for disrupting our lives with there bs security team. I was forced to cancel summer camp for kids because of this! That's not fair! Something has to be done!
Let's start the class action lawsuit!!

On hold for 4 days now!! I've been locked out of my checking acct./debit card for 4 days now and have to talk to the "fraud department".......but I've never actually talked to anybody in the fraud department. Called at 8 am on hold still at 9 pm for 4 days now!!! The piano music is driving me crazy. They hang up on me at 3 hours 2 minutes.....this has to be illegal??? What is going on??? I can't even close my account as only the "fraud department" can deal with the account now!
STAY AWAY FROM THIS COMPANY! IT FEELS LIKE IM NEVER GOING TO GET MY MONEY. Can't buy food, going to have to cancel 4th of July vacation because I CAN'T ACCESS MY OWN MONEY! I HATE THIS COMPANY FOR RUINING MY SUMMER. I literally can't even buy groceries ----- something must be done! This has to be illegal, they're stealing my money! I am so sad that I'm missing out on a vacation I've looked forward to all year because of how unprofessional and disgusting Discover is.

SOMEBODY PLEASE HELP!!

tried to open, online, a checking account....for a retired expat, here in Mx.....they knew we are in Mx....and wanted a noterized id....which we got, from a local notary.....and after much fanfare declined because it was not done...the notery, at an embasy.....as if the local notary were not .....international.....and all, of this was necessary because Wells Fargo....shut down all of their prepaid debit cards.....

Discover locked me out of my account - can’t log in, can’t use debit card, nothing. Customer service won’t even tell me why. I have to talk to the “Security Department.” I’ve been on hold for a combined 12 hours over the last 48 hours trying to talk to someone in the “Security Department”. No one answers. Calls drop after about 3 hours and then I have to start all over. Meanwhile, I can’t access any money to pay bills or buy groceries. They are literally holding my money hostage and I have no idea why because I just sit on hold! The worst experience I have ever had with customer service from any type of business because THERE IS NO CUSTOMER SERVICE! Just a 30 second long piano loop that plays over and over for hours.

OMG on hold with Fraud for 2 hours 50 minuets listening to the same piano music repeated over and over then to get cut off.
So I am now calling back and been on hold for 1 hour 10 minuets
I called the main number but after 40 minuets trying to reason with the lady and no supervisor is willing to speak to me I am told I just have to speak to the fraud dept
BUT IF THEY DONT PICK UP HOW DO I TALK TO THE FRAUD DEPT?
"Sorry there is nothing I can do you have to talk to the fraud dept".
She then tells me she has had reports of people on hold for FOUR HOURS!
Well go figure Discover if you have that much fraud maybe you need to employ more agents?

It is unfathomable a bank with over $112 billion in assists has no one handling fraud cases.

Now on hold for 1 hour 15 minuets.
I would never bank with these clowns I sincerely hope they read this and try to.........I don't know answer the bloody phone.

I wish I could give zero stars. I applied for a discover personal loan on 6/23 and was told I was prequalified for the loan. I accepted the loan and provided them with what I needed to pay off and direct deposit information. Was told they will pay it off and then transfer the balance to my checking account to pay off other cards. Checking the Status a few hours later it’s saying they couldn’t approve the loan. I called and was told it was a glitch and give it 24-48 hours and call again; I have been calling since with all these incompetent reps telling me something different. They cancelled the old application and did a new one and now I’m being told it’s under review. Review for what? No one can answer and they cannot provide a time frame. So I’m guessing a review can take one year? 5 years? I’m confused. Discover loans is ridiculous and I would not advise on it. I needed the loan to consolidate my CC’s and they are making it so difficult. If anyone from discover is seeing this please do better!