discoverbank.com Reviews 

Extremely Disappointed with Discover Bank – Poor Dispute Resolution

On October 20, I went to the ATM located inside CVS to withdraw $40 from my account. The ATM malfunctioned and never dispensed my money.

I immediately brought the issue to the attention of the CVS store manager, who acknowledged that the malfunction had occurred. In fact, the manager confirmed that the incident was captured on the store’s surveillance video. The manager even shut down the ATM and placed a sign on it warning customers that the machine was out of service.

I filed a dispute with Discover, only to be told that I had no proof. Based on that, Discover closed my dispute without resolving the issue.

I then went back to CVS, obtained the supporting evidence, and submitted it to Discover. Now, 19 days later, I am STILL waiting for my $40 to be refunded.

What concerns me most is not just the $40. It’s the principle and the way Discover handled this situation. What if this had been a $500 withdrawal? Would I have been treated the same way? Would I have been expected to simply accept losing my money despite evidence that the ATM malfunctioned?

I’ve been a Discover customer for several years, and this experience has completely changed how I view the company. A bank should stand behind its customers, investigate legitimate disputes, and take responsibility when something goes wrong.

As soon as I receive my $40 back, I intend to close my Discover account. After several years as a customer, it’s disappointing that something as basic as resolving an ATM withdrawal error has brought me to this point.

Discover, this isn’t just about $40. It’s about accountability, customer service, and trust.

I stayed with this bank over 12 years and used their credit card daily. After 12 years I got scammed with a service online and that company charged me 3 extra charges with no reason, service or merchandise I got. I called the scam company first and emailed them which they denied extra charges and send me screenshots for my account with with only one charge. I called discover and disputes the other charges and uploaded over 5 files on proofs for no extra charges and the emails the scam company has sent me saying they have not charge me. All that with many phone calls ended up immediately standing with the merchant with no proof that i got service, even the merchandise saying that they have not charge me discover decided that I should be charged. Ano know at Customer service said, even If i froze my card or change it if the merchandise decide to continue using my card they can charge me and my only option is to cancel my credit card and apply on a new one. I am upset because after all these years with zero late pay or zero dispute on the first time I needed them with 100% legit dispute with many many proofs agains scam company mistakenly used before they stood with them and literally said they can keep charge u what ever you do. I buy a lot of stuff and merchandise domestic and international and use credit cards a lot and I am telling you I have sed other credit cards and got some kind not delivered merchandise and those bank immediately open a legit investigation and did their job, asked about files and proofs and they stand with me when I gave all the proofs. With discover literally they will do any of this and whatever you do or call will stand with the merchandise .

I was a customer with Discover for more than 17 years. My Discover IRA to AXOS Bank transition in September 2026 was the worst I have ever experienced. Discover failed to process the paperwork. So they moved me to AXOS without my permission. I contacted multiple Discover supervisors. Zero help. I closed all of my Discover accounts and my Discover credit card. I contacted OCC, FTC and CFPB.

Horrible company, will not allow me to withdraw funds with my debit card at at atm or allow me to increase my atm withdraw limit on an alternative debit card, I spoke with management and was promised a call back from a higher up and this never happened

Most annoying bank if you plan to use Zelle. It was great for over a year but for the last 6 months or so it makes me verify identity EVERY time I use Zelle. By verify I mean go through the time wasting hassle of photographing the front and then the back of my ID, then a selfie before I can send Zelle. Even if I send another Zelle an hour or so later I have to do it ALL AGAIN!!! SO frustrating that I’m switching everything over to another bank that I use where this doesn’t happen. When I call customer service, they tell me there’s nothing they can do about it, and they try to say it’s Zelle, but I use Zelle at a Wells Fargo account at a Chase account, and even a credit union, and it doesn’t happen at any of those banks. Only Discover.

I was hacked and had to wait days to get a new checking account number. If you use the app, it blocks your ability to monitor your own account. I do not understand that since the app is used from my phone. I have to call and ask how much is in my account. Also using my debit card. Is a major pain. was told my debit card was safe to use, but I have to call ahead of time to make purchases. When you’re waiting in line to check out , the wait time to get a customer service representative to unfreeze the account is inconvenient and realistically stupid. Do better Discover. By the way, I’m closing my account.

Was a great bank when I started using them several years ago, then unfortunately they got acquired by capital one and now everything that made Discover great is gone.They used to offer free online privacy protection, but now they don't. They also are pausing a lot of their features while migrating the systems currently, so that's annoying. Just generally have gotten worse the last year or so. Really sad to see them go.

Horrible company. They close my account because they couldn't verify my information after I went through the headache of doing it through the Equifax IRS website they wanted me to do.

They don't ask me for more information they just close my account. I never ever had issues with any company or verifying my information before.

Horrible communication and don't recommend them. Only signed up for the new customer bonus. I can see why they have to give one out because their company is awful and unreliable.

Discover Bank used to be a decent bank, but not anymore. The Capitol One merger was a huge business mistake! The customer service is now non existent, the employees are clueless, they are putting holds on a deposit of a local cashiers check for a customer who has done business with Discover Bank for many years unnecessarily that is under $5k and I have a secure pension direct deposited there monthly and have worked in government and commercial and investment banking most of my life, they are obviously putting these week long holds on peoples money just to misuse their power and to fraudulently create higher available balances to use to make loans, which tells me they are crooks and getting ready to go under! There are thousands of people complaining online about the same! Which is a good sign for all to move their accounts or buy a home safe to put their money in! All should also start filing complaints with the CFPB, FDIC, Federal Reserve, and OCC for every issue, but also open an account elsewhere and purchase a safe to move your money. They are running out of money to give away and the next thing will be banks stealing it from the people for themselves or to give away and using these holds to shore up money to pay their bills out if depositors funds , just as the government has been doing for years and getting away with it under the name of “fraudulent activity” which totals billions and never gets clawed back or accounted for, like the billions the State of IL IDES gave out of business taxes from the UI Fund under Pritzker! The banks have been scamming people for hundreds of years, now claiming a 60% fraud rate, that sounds more than suspicious to me!!!

Although I rated this bank (after CapitalOne took them over), they really deserve a -0. Since they eliminated or sold their IRA business to Axos bank (who??), I have since moved my accounts to another bank. Am now as of this writing, sitting on my phone to speak with a rep. almost 35 minutes. They must be on a Friday hiatus! And good luck getting a response "within 24" hours ... that is total BS. Eliminated CapitalOne years ago and now am getting rid of Discover. Terrible business and customer service (what customer service????)

If it were possible to rate zero stars, that would be my rating; Discover Bank is the worst. Rather than relay my entire experience in an attempt to transfer an IRA account from Discover to another bank, I will state simply that I have never dealt with a more unprofessional, non customer-friendly, less helpful bank than Discover. What should have been handled in several days is now in its third week - without resolution. Trying to deal with a human being is an exercise in futility: wait times on hold to reach a customer service agent range from 45 minutes to an hour. I am so grateful to know that once my transfer transaction is complete, I will never have to deal with Discover Bank again. Whether things will be better with Capital One remains to be seen; all I know is that they could not be any worse! Discover has to be one of the worst companies in the U.S.

I have been with discoverbank.com for a long long time and found it to be completely perfect in every way. Regretfully since capital one has taken them over everything has changed and like many people I am leaving. There is no way I would do business with capital one it is with great sadness that I leave discover bank.com and I'm also quitting using my Discover card as a protest for capital one taking them over. To the previous employees of Discover.: you have been complete perfection in every way, and I have felt gratitude for Superior customer service that has been attentive, responsive, and English as a first language. The rates through the years have been fabulous. Seriously it has been perfect.! THANK YOU discover staff for being a model of Superior, Customer Service and fabulous rates. To capital one: no way I'm gonna be forced to bank online. No way I want to deal with a company like you. .. I am gone gone gone gone! Thanks again discover you have truly been the best! The BEST of any bank I have done business with for decades. I am sad that we have lost you. Capital one is now ruining your carefully built and outstanding reputation. To those now using Discover/capital one: just know it USED TO BE perfect and that Capital One single-handedly destroyed Discover. So the crappy service you are now getting is not the Discover base.. .

When a credit card company refuse to delete or deactivate a card by forcing you to keep the card active just to access your account and pay your monthly agreed payment they're forcing you to pay for what you never agreed to or what you truly owe. When the case of indentity theft occurs they still will not deactivate the card even when there are ongoing charges made against the card. They pay to cause lawsuits with no proof of the victims having ever asked or received the card. If you can be randomly targeted to pay while they don't have to provide evidence that it's your debt this is a dangerous company that has paid off your own government to forge your signature to use as how they are stealing bank accounts and illegslly garnishing wages. This company should be sued and shut down forever.

My parent has done business with Discover Bank for more many years and despite hiccups was able to manage her account without help her self. Recently she had a CD come due and wanted basic information on balance terms and current rate. When she call she can't even get general information like what is a 12 month CD rate for anyone. She is passed to someone who refers lies and says they will personally help her get her information. All they do is refer us to a mobile notary who she has now twice failed to achieve access. First attempt received a message of success which turned out to be a lie. Second attempt the AI biometric picture taken failed to identity. Discover Bank hides behind manipulative language to protect them. Do not do business with Discover Bank unless you are prepared to waste a lot of time.

I’ve been using Discover for a long time, and then one day they suddenly decided to lower my credit limit for no reason at all! I’ve spent years making on-time payments and using less than 30% of the card's limit, yet without any warning, they decided to cut my limit by over $10,000! I wouldn't recommend them at all! Customer service doesn't even help you! They treat their customers very poorly!

Never will be dealing with Discover. CD accounts website is designed on purpose with no option to withdraw your money upon maturity. You have to call, which takes on average 30 min, than if you wish to get your money via wire transfer, you are switched to "wire transfer" person, who gives you 10 minutes lecture explaining that wire transfer will not be possible. Than you switched to "check in mail" person, and so on and so on....

As of today I still have a positive experience with Discover Bank Customer Service. My former bank was Capitol One and a horrible experience that I swith to Discover Bank. Well before the merger was in the works. Now that these companies has merged. My continued future with Discovery Bank is up for pending. I find it difficult to believe that Discover Bank will continue to main the positive Customer Service with Capital One merger.
The negative experience I started notice is the call center AI. I had to make six (6) repeatedly calls to be connected to the right department to ask a simple question.
Again, my future continued with Discover Bank is up for debate.

These people are horrible. Every time I call its "We are still reviewing your documents". "Call back in 2-3 business days". They are happy to take your money - good luck getting it back without pulling teeth. Capital One owns Discover Bank. "What's in my wallet"? Nothing! I can't get my money out of the bank.

10+ Years as a customer. Done wrong repeatedly. Customer service has gone down hill. They have no loyalty to their customers. Moving all accounts to BofA. I do not recommend Discover at all. Customer beware!

I just had the worst experience with Discover's customer service. I've encountered persistent issues with international purchases using my card, while domestic transactions work fine. I've reached out to Discover multiple times for assistance, yet they didnt care.

The representatives I spoke with lacked basic customer service skills and failed to provide any meaningful help. After several attempts, my call was transferrd to a supervisor, but unfortunately, the interaction only worsened. Instead of addressing my issue, she quickly dismissed my concerns, attributing the problem to the websites I was using without even inquiring about the specifics.

I explained that I had tried purchasing from three different sites, each I’ve used reliably in the past but her insistence on blaming the websites showed a clear lack of empathy and an unwillingness to help. She offered no alternatives or suggestions for resolution, nor did she take the time to review my situation more thoroughly.

When I requested to speak with an executive or a higher-level manager, her response was discouraging. She made it clear that she cant promose they will call. Whats that even mean? Are you stating that I am banking with you and you dont care enough to talk to your customers?? It’s extremely corcerning to think that a bank could provide such poor customer service.