Discover

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 180 historical complaints about Discover, published between 2000 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Consumer ReportPublished Jun 26, 2013 · Historical consumer allegation
• Consumer ReportPublished Jun 10, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 8, 2013 · Historical consumer allegation
• It Does Not Pay To Discover - Discover CardPublished Dec 7, 2012 · Historical consumer allegation
• Elavon Dispute Resolution Discover Card will not pay us for a legitimate charge made on their card $1,850Published Nov 30, 2012 · Historical consumer allegation
• "Cash Back" is only 0.25% on EVERY Year's 1st $3000.00, THEN goes to 1%Published Nov 8, 2012 · Historical consumer allegation
• Did not honor initial offer on my credit card of a 100 dollars reward upon a 1000 dollar purchasePublished Sep 17, 2012 · Historical consumer allegation
• No consumer protection - disover prefers merchants with F& better business ratings over customers! InternetPublished May 30, 2012 · Historical consumer allegation
• Discover financial services discover card, customer service, financial servicesPublished Jan 28, 2012 · Historical consumer allegation
• Unknown chargesPublished Jan 22, 2012 · Historical consumer allegation
• Discover Financial Services Payment Protection Interest Scam and Endless Phone PromptsPublished Jan 10, 2012 · Historical consumer allegation
• Consumer ReportPublished Jan 4, 2012 · Historical consumer allegation
• Terms and conditions do not match what they are charging customePublished Dec 25, 2011 · Historical consumer allegation
• Payment plan ripoffPublished Nov 21, 2011 · Historical consumer allegation
• Refuses to Obey the LawPublished Nov 8, 2011 · Historical consumer allegation
• Consumer ReportPublished Oct 18, 2011 · Historical consumer allegation
• Consumer ReportPublished Oct 9, 2011 · Historical consumer allegation
• False advertsing and solicitationsPublished Sep 29, 2011 · Historical consumer allegation
• Unwanted CallsPublished Sep 16, 2011 · Historical consumer allegation
• Customer ServicePublished Aug 22, 2011 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Discover credit card website (Capital One page): https://www.discover.com/
• Discover customer service, 24/7 (1-800-DISCOVER): 1-800-347-2683 63 complaints mention this number
• Discover customer service, outside the U.S.: 1-224-888-7777
• Capital One feedback and complaints line (includes Discover cards): 1-844-348-8660
• Capital One page: Discover card FAQs (the move to Capital One): https://www.capitalone.com/updates/discover/card-faqs/
• Capital One complaints and feedback page: https://www.capitalone.com/help-center/contact-us/feedback/
• BBB-listed: Executive Office of Customer Advocacy: [email protected]

Locations

Discover disputes, complaints and the move to Capital One: what the company's own pages say (checked October 7, 2026)

Discover's own pages, opened on October 7, 2026, say that Discover is now part of Capital One. The routes below are the ones those pages publish today. Most archive posts about Discover on this site are dated 2000 to 2013, so they describe the practices and terms of those years, not today's.

Who to contact. Discover's Contact Us page says: “Discover is now a part of Capital One. For questions related to an account that has moved to Capital One, login to capitalone.com or the Capital One mobile app.” It lists 1-800-DISCOVER (1-800-347-2683) with “live customer service agents” available “24/7” (certain specialized agents may not be), 1-224-888-7777 from outside the U.S., and a general-inquiries mailing address, Capital One, PO Box 71083, Charlotte, NC 28272-1083. Capital One's Feedback & complaints page says: “Call Capital One customer support at 1-844-348-8660. (Includes “Discover, by Capital One” Card Accts)”.

Disputing a charge or billing error. Start with the issuer and address printed on your current statement, because the route depends on whether the account has moved to Capital One. Accounts still managed at Discover: Discover's “Your Billing Rights” notice (a PDF hosted on discover.com whose footer reads “©2016 Discover Bank ... Billing_Rights_0916”) says to write to Discover, PO Box 30421, Salt Lake City, UT 84130-0421, or use the web form it names, with your name and account number, the dollar amount and a description. It says you must contact Discover “within 60 days after the error appeared on your statement” and by 5:00 P.M. ET on the date an automated payment is scheduled if you want to stop that payment; that Discover must acknowledge within 30 days and, “within 90 days,” correct the error or explain why it believes the bill is correct; and that it cannot try to collect the disputed amount or report it as delinquent while it investigates. For purchases you are dissatisfied with, the notice gives a separate address, PO Box 30945, Salt Lake City, UT 84130-0945. Accounts that have moved to Capital One: Capital One's dispute page (opened October 7, 2026) says to select the transaction, “Choose the option to report a problem” and answer questions about the charge in the app or on the website, or to call the number on the back of the card, or to mail its dispute form to Capital One Disputes, P.O. Box 30279, Salt Lake City, UT 84130-0279. It recommends filing “within 60 days of the statement date” but says it may be able to assist after that, says the process “may take up to 90 days,” and says that if you are not satisfied, the message you receive “will explain how to appeal the decision.”

Credit report disputes are a separate route. For an item on your credit report, Capital One's “Filing a credit bureau dispute” page (opened October 7, 2026) gives this address for credit card related issues: Capital One, P.O. Box 31293, Salt Lake City, UT, 84131-1293, and says it responds within 30 days of receiving the dispute. That is a different route from a dispute about a transaction.

What changes when an account moves to Capital One. Discover's Contact Us page (opened October 7, 2026) says Discover card accounts “will move to Capital One throughout 2026 and early 2027,” that “all accounts will be moved to Capital One by early 2027,” and that a cardholder who has not received an email or letter should “keep managing your account as usual.” Capital One's Card FAQs (opened October 6, 2026) say the account moves in stages, that “you may not move at the same time” for multiple accounts, that primary cardholders keep their card (“The Discover brand and network are not going away”), that authorized users and joint account holders receive new cards with their own numbers, that the account opening date will not change and the change “won't be reported as a new account,” and that credit bureau entries will carry the name “Discover by Capital One” or “Capital One.” It says the Discover card has no annual fee and tells you to read the Account Terms you receive for your APR and minimum payment, because those vary by cardholder.

Escalating and filing outside complaints. BBB's Discover listing says that Discover Financial Services “has requested that before filing a BBB inquiry, consumers contact the Executive Office of Customer Advocacy,” at [email protected] or 15000 Capital One Dr, Richmond, VA 23238 (BBB-listed contact). Complaints about credit cards can also be submitted to the CFPB at consumerfinance.gov/complaint; the CFPB database lists Discover under the company name “DISCOVER BANK.” The CFPB's complaint-process page (opened October 7, 2026) says that after a complaint is routed to the company, “Companies generally respond in 15 days,” that in some cases the company provides a final response in 60 days, and that the consumer then has 60 days to give feedback on the response.

Student loans. Discover's 2024 annual report says it stopped accepting new private student loan applications on February 1, 2024 and completed the sale of its private student loan portfolio in the fourth quarter of 2024, with servicing transferred to a third-party servicer (company statement). Discover student loan borrowers should use the servicer named on their current statements.

Discover regulator actions: FDIC, CFPB and Federal Reserve orders

The orders below are addressed to Discover Bank or Discover Financial Services. Each is summarized from the order or the agency's own page; the companies consented to the orders in the manner each document states. They are allegations and findings by agencies as stated in those documents, not court judgments. Capital One's 2025 annual report says that Discover merged into Capital One on May 18, 2025, and that Capital One now has obligations under the student loan and Federal Reserve orders.

September 24, 2012: FDIC and CFPB joint consent order on card add-on products (File No. 2012-CFPB-0005). The CFPB's page says the action “concerned deceptive telemarketing and sales tactics used by Discover to mislead consumers into paying for various credit card ‘add-on products’ – payment protection, credit score tracking, identity theft protection, and wallet protection.” The order states that, for December 1, 2007 through August 31, 2011, Discover sold one or more of these products to approximately 4.7 million cardmembers (a finding Discover neither admitted nor denied). It required restitution of at least $200 million and a $14 million civil money penalty. The order recites that Discover consented “without admitting or denying the findings of fact, conclusions of law, or any violations of law.” The 4.7 million figure counts cardmembers to whom products were sold; the CFPB and FDIC announcement of the order separately says Discover would pay approximately $200 million in restitution to “more than 3.5 million consumers” who were charged for one or more of the products. These are two different populations. On July 20, 2015 the CFPB terminated the order, saying that Discover had “fulfilled its obligations,” including providing at least $200 million in redress and paying the $14 million penalty.

July 22, 2015: CFPB consent order on private student loan servicing (File No. 2015-CFPB-0016). The CFPB's press release says it found that Discover “overstated the minimum amounts due on billing statements and denied consumers information they needed to obtain federal income tax benefits,” and engaged in debt collection practices that included calling consumers early in the morning and late at night. The order required at least $16 million in redress and a $2.5 million civil money penalty; Discover consented without admitting or denying the findings (other than jurisdiction). The CFPB page lists the status as “Expired/Terminated/Dismissed.”

December 22, 2020: CFPB consent order against Discover Bank, The Student Loan Corporation and Discover Products, Inc. (File No. 2020-BCFP-0026). The CFPB says it found that Discover violated the 2015 order, withdrew payments from consumers' accounts “without valid authorization,” cancelled or did not withdraw payments without notifying consumers, and misrepresented minimum payments and interest paid. The order requires redress of not less than $10 million (which it says includes about $7.7 million already provided) and a $25 million civil money penalty. Discover consented without admitting or denying the findings other than jurisdiction. The CFPB page lists the status as “Post Order/Post Judgment,” and Capital One's 2025 annual report says the order remains in effect until December 2030 for issues that occurred before the sale and transfer of student loan servicing.

April 2025: FDIC orders against Discover Bank on card classification and compliance (FDIC-23-0014b, FDIC-24-0103b, FDIC-24-0102k). The FDIC's press release of April 18, 2025 says it issued an Amended and Restated Consent Order, an Order for Restitution “to distribute at least $1.225 billion to adversely affected merchants, merchant acquirers, and other intermediaries,” and an Order to Pay assessing a $150 million civil money penalty. The FDIC says that for about 17 years the bank “misclassified millions of consumer credit cards as commercial, resulting in higher interchange fees,” and that merchants were overcharged over $1 billion. The order (issued April 16, 2025) restates a September 25, 2023 consent order and says the Bank “neither admits or denies” the FDIC's determinations, which include failures in the compliance management system and unfair practices in classifying card accounts into the highest merchant and merchant-acquirer pricing tier, as well as violations of the Truth in Lending Act, the Servicemembers Civil Relief Act and the E-SIGN Act. The overcharged parties were merchants, not cardholders.

April 18, 2025: Federal Reserve consent order and $100 million penalty against Discover Financial Services and DFS Services LLC. The Board's press release says it “entered into a consent order with Discover and assessed a fine of $100 million for overcharging certain interchange fees from 2007 through 2023,” that Discover “has since terminated these practices and is repaying those fees,” and that Capital One committed to comply with the order as a condition of the Board's approval of the merger. The order is issued upon consent. It defines “Merchant Customers” as the merchant acquirers and individual merchants that accepted Discover cards and paid interchange fees, and recites that DFS and Discover Network agreed to provide support “to enable Discover Bank and the Firm to provide full and complete restitution to Merchant Customers”; the harmed parties named are merchants, not cardholders. Capital One's June 30, 2026 Form 10-Q says “Capital One and CONA have committed to satisfy the obligations of the Federal Reserve Order.” Capital One's annual report says the penalty was paid before the merger closed. Capital One's June 30, 2026 Form 10-Q says: “Discover was also subject to an SEC investigation into the Discover Card Product Misclassification matter. We are cooperating with the investigation.” The filing does not state any finding by the SEC.

Sources checked for this section on October 6, 2026: the CFPB enforcement actions page filtered for “discover,” the FDIC and Federal Reserve press releases and orders, and Capital One's SEC annual and quarterly reports. This is not a search of every federal or state agency. Press reports describe state settlements over the 2007–2011 add-on products; those state documents were not opened for this page.

About Discover Financial Services, Discover Bank and the Capital One merger

Who Discover is. Discover Financial Services was a Delaware corporation (“incorporated in Delaware in 1960,” company statement) with principal executive offices at 2500 Lake Cook Road, Riverwoods, Illinois before the merger (the BBB listing still shows that address), and described itself in its 2024 annual report as “a digital banking and payment services company.” It was a bank holding company; its bank, Discover Bank, was a Delaware-chartered institution in Greenwood, Delaware, and its subsidiary DFS Services LLC operated the Discover payment network. Its stock traded on the NYSE under DFS.

The Capital One merger. Capital One's 2025 annual report says that on May 18, 2025 it closed the acquisition: a merger subsidiary merged into Discover, Discover “merged with and into Capital One,” and Discover Bank, “a Delaware-chartered and wholly owned subsidiary of Discover, merged with and into CONA” (Capital One, National Association). The same report says Capital One acquired personal loans and the Discover Network, the PULSE Network and Diners Club International. Capital One lists Discover Online Savings, Cashback Debit (checking), CDs, Money Market and IRA accounts on its Discover information page. Discover Bank no longer survives as a separate entity (it merged into CONA), and Capital One Financial Corporation is the successor to Discover Financial Services. The Discover profile of the company is therefore historical for the corporate entity; the Discover brand, cards and network continue under Capital One (see the Capital One profile on this site for Capital One's own complaint routes, actions and settlements).

Related names. BBB lists the alternate names Discover Bank, Discover Products, Discover Financial Services (Inc.) and Discover Card. Archive posts also name “Discover Card Services” and “Discover Financial Services.” Posts about companies that only share the word “Discover” (for example telemarketers calling themselves “Discover Enterprises,” a moving company, an RV dealer, a staffing agency and a U.K. loan firm) are a different business and are not linked to this profile. The Sam's Club and Walmart Discover cards named in some archive posts were issued by a different bank and are also not linked.

Discover complaint record: BBB, Trustpilot, CFPB database and this site's archive

Review sites and the CFPB database, as displayed on October 7, 2026 (BBB, CFPB) and October 6, 2026 (Trustpilot). The figures come from three different sources and are not added together.

• BBB profile for Discover Financial Services, Riverwoods, IL: rating A+; BBB Accredited (the page data gives November 13, 1989 as the accreditation date, May 3, 1994 as the business start and incorporation date and February 27, 2001 as the date the BBB file was opened); “16,978 total complaints in the last 3 years” and “4,599 complaints closed in the last 12 months”; “Average of 2,110 Customer Reviews,” shown as 1.14 out of 5 (BBB says customer reviews are not used in the letter grade). The same listing displayed 16,991, 4,628 and 2,115 on October 6, 2026; these counts change from day to day. On October 6, 2026 the complaint and review figures and the listing's “About this business” text were identical to those on BBB's Capital One, McLean, VA listing (not re-opened on October 7), and the text describes Capital One, so they should be read as Capital One figures, not as Discover-only counts. A second BBB listing for Discover Financial Services (Miami, FL) was not used.
• Trustpilot, “Discover Financial Services” (discover.com), an unclaimed profile, as displayed on October 6, 2026: 1.3 out of 5 from 355 reviews, 61 of them in the last 12 months; 80 percent of ratings are 1-star and 15 percent 5-star as displayed. Trustpilot shows the notice that the company “hasn't invited their customers, so reviews may not be representative.”
• CFPB Consumer Complaint Database, company “DISCOVER BANK”: 44,503 complaints received between December 1, 2011 and March 25, 2026, and 3,467 since October 7, 2025. By product, the database showed on October 6, 2026 (all dates, total unchanged on October 7) 11,046 for “Credit card,” 8,527 for “Credit reporting or other personal consumer reports,” 8,396 for “Credit card or prepaid card,” 5,669 for “Credit reporting, credit repair services, or other personal consumer reports,” 5,382 for “Debt collection” and 2,131 for “Checking or savings account”. Company responses overall: closed with explanation 31,767; closed with non-monetary relief 9,697; closed with monetary relief 2,720; closed without relief 205; timely response 44,488 yes and 15 no. These are complaints submitted to the CFPB and the company's recorded responses, not findings by the CFPB. The most recent complaint filed under this company name is dated March 25, 2026; the database lists Capital One under separate company names.

This site's own archive. The archive holds 180 approved posts that name Discover Card, Discover Financial Services or Discover Bank as the company complained about, dated 2000 to 2013 (peak years 2008 with 33 posts and 2009 with 28). They are consumer allegations that this site has not verified, and they describe the terms and practices of those years. The complaint themes listed on this page are keyword counts over those posts; a post can match several themes. Posts that were machine-rewritten, duplicated or contained no complaint were removed from the site and are not counted.

Discover court cases: merchant interchange settlement and shareholder suit

The first two court matters below concern Discover's interchange classification (card product misclassification) and are described from the court docket, the settlement website and Capital One's SEC reports; neither is a consumer-cardholder class action. A third entry is an individual credit-reporting case, and an employee settlement is noted at the end. Administrative orders (CFPB, FDIC, Federal Reserve) are listed under regulator actions, not here.

Merchant class settlement. The settlement website for the Northern District of Illinois case (No. 1:23-cv-4676) says three related class actions allege that, beginning in 2007, Discover misclassified certain consumer credit cards as commercial cards, so that merchants and others incurred excessive interchange fees. It says the claim deadline of May 18, 2026 has passed, that the court held the final approval hearing on May 20, 2026 and granted final approval, and that the administrator is processing claims. Capital One's June 30, 2026 Form 10-Q says Discover reserved $1.2 billion and that the settlement is the primary means of paying restitution to affected merchants, merchant acquirers and intermediaries.

Shareholder securities case. Capital One's 10-Q says Discover was named in a putative shareholder class action alleging securities claims over the misclassification; the court dismissed it without prejudice on March 31, 2025, granted leave to amend on March 13, 2026, and Capital One filed a motion to dismiss the amended complaint on April 30, 2026. The Northern District of Illinois docket KBC Asset Management NV v. Discover Financial Services (No. 1:23-cv-06788, nature of suit: securities) lists, in a minute entry dated July 28, 2026, oral argument on defendants' motion to dismiss set for November 12, 2026 at 11:00 a.m.; the newest docket entry seen on October 7, 2026 is an order of September 18, 2026 on a motion to withdraw as attorney.

Tunne v. Discover Financial Services, Inc. et al. (S.D.N.Y. No. 22-cv-5288). An individual case filed June 22, 2022 against Discover and three credit bureaus; Justia lists the cause of action as 15 U.S.C. § 1681 (Fair Credit Reporting Act). On August 28, 2026 the court entered an order of dismissal stating it had been advised that “all claims asserted herein have been settled in principle,” without prejudice to reopening by October 27, 2026 if the settlement is not consummated. The order does not state the settlement terms.

Employee settlement. The Harris v. Discover Products Inc. settlement website (N.D. Ill. No. 1:23-cv-05071) concerns hourly call center employees, not cardholders, and says settlement payments were mailed on August 10, 2026 (page opened October 7, 2026).

Is Discover Legitimate?

Discover Financial Services was a Delaware corporation and NYSE-listed company (symbol DFS) that filed annual reports with the SEC; its last annual report as a separate registrant was the Form 10-K for 2024. Capital One's Form 10-K for 2025 says Discover merged into Capital One on May 18, 2025. BBB's Discover Financial Services listing shows a BBB Accredited business rated A+, but its complaint and review figures match Capital One's listing (see the complaint record). The record on this page also includes CFPB and FDIC/CFPB consent orders from 2012, 2015 and 2020, FDIC and Federal Reserve orders from April 2025 about merchant interchange classification, and a merchant class settlement that received final approval on May 20, 2026. Capital One's June 2026 Form 10-Q also reports an SEC investigation of the card product misclassification, with no finding stated. This page offers no rating or verdict of its own; each source above is dated so readers can weigh these facts themselves.

Court & Public Records

Company Relationships

• Acquired by: Capital One Financial Corporation
• Acquired by: Capital One, National Association
• Affiliated with: DFS Services LLC

Frequently Asked Questions