Review Time
I have had a credit card with them for exactly 10 years, and always paid on time. I paid off my credit card back in August 2025. The remaining amount was interest fees ($31), so I assumed that this was finally paid off, so I removed my auto pay because they will take money out of your account even if there is no balance owed. I checked my account today (January 2026) and they have been charging me a late fee with NO NOTICE, which was $200 in late fees - I have not received any emails, any notifications in my mail, NOTHING about this. I called asking for a one time courtesy to remove these fees and I'd be happy to pay off my balance immediately, and unfortunately they will not waive fees. Shame on you Discover. I have now closed my account as I can't stomach giving this company any more of my money as I am sure they have already made thousands off me throughout the years, they should give customers a one time courtesy on this, especially when there is no notification. Very sly and disgusting. My mother is also cancelling her card here as well because of this.
This is not an exaggeration - I have had to verify my identity with my passport at least 20 times. Setting up the account was a nightmare. Dealing with this bank feels incredibly complicated because everything is so difficult.
I charged a costly auto repair to my card. The repair was poorly done, a total waste. I attempted to dispute it with the company. They labeled my dispute as fraud, implying it was my fault, and immediately canceled my card, even though it was never out of my possession and posed no risk. Two different representatives were unhelpful. One claimed she didn’t know how to assist, then suddenly her earpiece failed. The second had access to the first rep's notes but tried to deny it. The end result...no assistance.
Customer service is the worst... After months trying to resolve errors made by the company, I recently sent an email to the executive team (I use 'executive team' because that’s what they pretend to be). The email went like this.... 'It’s truly sad that I have to keep addressing this unfair situation, but it needs to be said... The company showed zero compassion during a serious medical crisis and minimal understanding towards me.... This experience has left me deeply disappointed. It’s unfortunate that they prioritize financial gain over the well-being of their customers. I deserve a refund! I left my number for the CEO many times, and he has not returned any communication. Multiple emails were ignored. It’s embarrassing and shameful behavior... Shame on you!'
I had done a balance transfer before and accepted a 0% interest rate offer again. This time the rules changed, and they are charging interest on any purchases beyond the balance transfer - what?! The representative said they now apply funds to the lowest interest rate - again, what??? I'm moving all autopays off and canceling the card as soon as it’s paid off. Talk about predatory!
If you get scammed by a fake company, they do not care if you have proof, and they will not refund you because you 'authorized that payment.' They will also not let you close your account, even if you have a small balance. They will have to mail you a check for that amount. Absolutely ridiculous, and I do not recommend banking with them.
The representative had a very pleasant phone voice, excellent customer service skills, and addressed my needs promptly and professionally. She was highly knowledgeable and made me feel valued as a customer. This was truly one of my best customer service experiences.
If you change phone numbers and can’t remember your password for online banking, prepare for frustration. I’ve had to call numerous times and speak to every department just to update my number, and I still can’t access my online account. It’s been a week and a half. I’ve never faced anything like this with a company. Now I’m told it takes 5 business days for your number to update, which impacts the verification process. I feel like I’m just being given the runaround. Ridiculous.
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