Discover Bank
Reviews and Complaints

I applied for a loan got them all info my credit is great my debt is nothing the appraisal came back at double what I was trying to borrow the reason they denied me is not to mention they new I was in construction from the start of the loan

We got communication back from the appraisal vendor letting us know that your property is actively under construction with pictures showing the active construction with what appears to be renovations. They did cancel the report due to this. I reviewed this with my leaders and was advised that we are unable to proceed as we cannot lend on your property due to the property condition of having active construction going on currently.

Never bank with these people. I have paperless statements and went to the website to view my payment amount.

I am paid once a month on the last day of the month. I paid them on the 2nd, sent them $300, well over the minimum due. Then, I get an email saying I owe and the email also says if I've already paid, please ignore. Due date is the 28th, already paid, I ignored.

Next month I see a late fee of $41! I call. I was told that the "closing date" is the 2nd of the month and if I pay BEFORE that date it is applied to the previous statement. This is the second month I have had to pay TWICE to avoid a late fee.

I call again, ask them why I've given them almost $1000 in 30 days and I still have late fees. I asked what TIME does the statement close on the 2nd, 12:01 or 11:59 because if I make a payment on the 2nd at 8:30 am, why is it considered a payment for the previous month if the 2nd closing time is 12:01? No answer. Complained to BBB, no resolution.

They are crafty, so they can charge late fees. I do NOT have this problem with any other card, just Discover. Why would I pay after the 28th (which is the due date) if it was already late? Why should ANY money I pay after the 28th go to the month before?

They are rip off artists. I will keep calling and keep complaining.

I have been with Discover for years and always loved their customer service, thought it was top drawer but lately, it's gone downhill all the way to the bottom! I loved their BillPay for its convenience.

It was a great budgeting help to be able to schedule payments up to 30 days in advance. I've always made sure funds were there on the day of payment to cover it. Given that I have cognitive issues from age and Long Covid, this helps to insure I don't forget to pay a bill. Recently, some short-sighted non-thinker in management thought it would be a GOOD idea to restructure BillPay so that you could not schedule a payment unless you had the funds in your account AT THAT TIME even if you were scheduling a payment for 30 days out.

This makes NO sense as if I had the funds at that time I'd pay them AT THAT TIME and not wait for the 30 days.

Do most people only pay bills once a month or have a paycheck that covers a month worth each week? Closing ALL of my accounts and looking for a new bank that uses COMMON SENSE!!!

Let me warn you about Discover Bank. They will do things their way and if you have any suggestions or requests, do not be surprised that it will be left on deaf ears.

I have been trying for the past 6 or 7 years to get them to be paperless and they have gotten back to me that they will continue to destroy our planet and there is nothing we can do about it.

Okay, maybe I am exaggerating, but the sentiment is the same. I have been asking that they not send mail but rather use their secure message center. They insist that they will continue to use mail since that will comply with *their* business practices. They will email when statements are due but that is the only thing that is paperless.

We need to get all banks and credit unions to become totally paperless for those of us who prefer not to receive pieces of mail that can lead to identity theft, spousal abuse, wasted money, wasted time, and, of course, landfill pollution.

I understand that there are some who prefer paper, but it should be an option. To have to sign into the secure message center separately from signing in with either the same password or a password just for the message center. This was also a suggestion.

I did 3 days of research on the Federal Banking Laws & Regulations and found that within the articles and sub-articles, there is a phrase that states: any and all correspondence must be mailed or delivered. I then was able to speak with a banking lawyer and was advised that the or delivered meant that if the bank has a means of a secure message center/ board, then the correspondence can be inserted there and NOT be mailed.

I brought this to Discovers attention, and they still prefer living in the 19th century in the belief that the Pony Express still lives.

There is also a website for financial institutions that expresses most of my same concerns. The website is: https://www.accrue.tech/paperless-document-management-in-banking

I sent this to the CEO of Discover (Roger Horchschild) and never heard back. I guess he either did not like that I can do more than his people, or he chooses to be stuck in the past.

So, if you are looking for a financial institution, please do not consider Discover Bank.

If you have a credit card, you are fairly safe. That side of Discover does its best to keep people happy.

While shopping at Sams club in Cape Coral, I was by the beer section , my pocket book was in my cart by the beer section, while I was reading my shopping list on my phone by the beer section , I put my my Michu Kors pocket book in my cart, pocket book was in the cart while I continue with the grocery shopping, when I got home I realized that I didnt have my pocket book. I.

call Sams club to seei if anyone have found it, they said no. Police report have filed August 5, for follow up, all my identification and my mothers identifications and Social Security card , drivers license are in my pocket book ,