4.85872 star

Total 24 Negative Reviews

Discover Mobile App Complaints & User Negative Comments 2023

Discover Mobile app received 24 complaints, negative comments and reviews by users. Have you ever had a bad experience using Discover Mobile? Can you share your negative thoughts about discover mobile?

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Discover Mobile for Negative User Reviews

Horrible customer service and computing errorsLast two times I went to make a payment, I specifically changed it from the default bank to my work provided bank account. Despite this, it’s taking the money from my default account that is hardly used and doesn’t have the funds to cover. While I’m not sure if this is the company or apps fault, they refuse to fix or change anything, and when trying to use the live chat, it keeps exited me out of the app and even deleted my chat history. Good thing I got screenshots. Then it started me back at the beginning of talking to the virtual assistant, and I lost what little progress I had made talking to the first agent I had before the app closed out on me. I have been charged $70 in overdraft fees from them taking money from the wrong account that I explicitly told them not to do again the first time this happened. Since you’re downloading this app, it’s too late to warn you about the horrible customer service and not choose this credit card, but be prepared to have no solution to your problem after over an hour of trying to deal with representatives through this app. I will be paying off my card by transferring money through my work account to my default account, which I shouldn’t have to do since I paid them just fine in the past, and then closing my account with this horrid company..Version: 2110.0

I mean when it works it’s fineApp is super buggy, setup was a pain. Customer support was nice though and eventually it did work..Version: 20.1.0

Unfair credit reportDear Discover Card. Last month in November 2019 your company dropped my credit card report score 24 points, from 804 to 780, for no apparent reason. I did not do anything different except pay all my bills on time as I have done for the last 30 years. After personally checking my credit report myself with TransUnion, they still had my score in the low 800’s. So why the sudden change in my Fico score? Perhaps discover card can explain this sudden large drop on my Fico score. This is really upsetting me to the point that I feel I need to make a change of credit card companies. Thanks, is this the reward I get for being a loyal customer for 30 years? I understand that Capital One pays a much higher rate in reward points then any other credit card company now a days! Perhaps the discover card company feels because I pay my credit card bills in it’s entirely each month that they cannot make any money off me?, I don’t know. What I do know is that Discover Card my loose a great customer because somebody made a big error on my credit score. Sincerely, Vincent Vales.Version: 10.11.1

From Hero to ZeroDiscover Financial Services has gone from a company I advocated for and was incredibly happy with to a company I despise and feel betrayed by. Went to use my card at a high end retailer and it declined. Opened the app and the app was down, called customer service and the number was busy. Called later from home and was told that my perfectly paid account was on hold because of a security verification and they needed me to Sign a form that allows them to contact the IRS to receive my income tax transcripts for the last 3 years! What???? Unbelievable. Paying your bill like clockwork and actively using your card for $10k + each month for years isn’t good enough. Last month they bumped up my credit line and this month they lock me down and want trigger and IrS audit. If you’re a small business owner stay away from discover. They will betray you randomly for no reason and then stand behind their process and call it standard. I don’t need discover, but if they lose every customer like me, they will need me. So long. Won’t be back..Version: 20.8.0

WORST BANK EVER!!!!My Savings Account is frozen, basically once a week. The only way to get money out of it is to request a check or wire. So I opt for the Wire. Discover thinks all wires are fraud. Even though they initially vet the account, they do not just make sure it’s you on the phone with personally identifiable information. They run it as if you are a new customer and I get flagged and frozen every time. I spent all of July on the phone with Discover fixing the issue, which was only the one they created. Now it is November and I tried to do another wire and again it’s frozen. The fraud department has no issue with telling tall tales about the status of the account and banking laws in general. In July, I was told I tried to send money out of the account before the incoming wire placed the money in the account. Really, my bank statement showed the funds and my Fed Ref # proved the funds were there but Customer Service insisted I tried to pull a fast one and the funds were not there. That is not how wires work. Whoever is running Compliance at Discover needs to be replaced. Dumb procedure on top of dumb procedure to ensure job security and accomplish nothing except annoying the customer..Version: 8.9.0

International Wire on mobile doesn't workInternational wire transfer functionality on the mobile app never worked for me....Version: 2211.0

Worst experienceFirst they can’t even handle transfer cancel from stores, every time I wanted to buy something I had to get approval, then they blocked my transaction until “solved” never happened cuz they are trash, they keep asking me info, which I provided also instead of asking the info from the beginning they wait until after you use it, I never had a credit card block my transactions to check for more than a day or so, they have been nothing but a pain in the rear, I used the card for about 3 days before being blocked for over 2 months, I’ve been patient and my reward was that they perma blocked the card for use age, meanwhile I am paying for what I used and away s on time, this service is worse than trash PERIOD! The moment something goes wrong (not even my fault) they start screwing up, feels like they hire a bunch of new guys with the brain of a peanut and tell them to solve things 😒 once I pay off I never even wanna hear about the existence of this card, I just hope this idiots didn’t screw up my credit score!.Version: 2209.0

Slow and littered with bugsWhile this app lets you view and pay your bill all in one place, the app itself is terribly slow and buggy. Signing in with Face ID takes forever to initiate and then complete the sign in process after authentication. Face ID doesn’t always come up right away as I am tempted to push the buttons on the screen until it loads. The app isn’t terrible but I believe an app that is designed to provide users with important information relating to their credit card bill should authenticate smoothly and quickly. The time it takes to log into the app deters me from checking my bill frequently which may look to some as a shady practice to encourage overspending. I have also encountered numerous errors and issues using the app such as due dates displaying as confusing text such as “no date” rather than explaining why there is no date. Once I have a credit score, I plan to switch to Apple Card for its superior sign in speed, beautiful user interface, and stable experience. As a software developer myself, I encourage you to make the app’s experience smoother..Version: 20.4.0

The worst credit card and customer serviceI have been a Discover customer for many years and never ever had and issue or claim until I had a credit/refund issue with Airbnb and Discover sided with Airbnb and denied me 15 hundred dollars refund with many many poor allegations and putting me in the middle like I had the one to resolved it, which at the end YES! I RESOLVED IT. All the documentation presented to Discover was not enough until I hired an Atty and Airbnb issue the credit, something Discover could have been done and not keep me bouncing and dealing with ppl that even don’t grasp their job functions for an efficient customer service and quick resolution, rather taking more than 4 month to finally resolved the refund from Airbnb thru my atty. All this issue is due to a very poor service where in my own experience with Discover I see those employees are not trained properly or Discover hire those type of ppl with no even common sense, each individual has their own answer. Unbelievable! Very frustrated and sorry my self that I have been a customer of a thrifty credit car issuer Discover..Version: 2207.1

Secured CardIt has been 11 months and my card has not graduated to an unsecured card. I have never missed a payment and have been paying my bill in full for over 6 of the 11 months. When I contact discover to get information on when my card would be eligible to graduate to an unsecured card I get mixed information every time. They say they review it starting after the 7 month mark and review all your accounts on your credit report. That seems weird because all my accounts are paid in full every month and I don’t even carry a balance on any of them. I don’t recommend this card for anyone trying to build credit. The timeline just seems to be unreal. I have 3 credit cards on my report that I’ve never missed a payment on and that I pay in full every month and don’t carry a balance on for almost as long as the qualifying 7 month billing cycle. If your looking for a good secure credit card to build credit with I would recommend capital one secure card. It is what they advertise with no games or red tape..Version: 10.11.1

Do NOT BANK WITH DISCOVERDiscover bank is a complete scam. New customer here. I deposited a check from Geico into my account. They accepted the check and closed my account. I do not have access to my funds. They say that I have to wait 60 days to get those funds back. I asked for explanation. They refused, I asked to speak with a manager, they refused. I had to talk with 4 different agents and wait 24 hours to even speak with a supervisor and they did nothing to help. That check was from Geico to get my car fixed. Now I will have to be without a car for 2 months. I called Geico for them to cancel the check but they let me know it was already seen as cashed in their system so it was nothing they could do. Everyone claims there is nothing more they can do. I am currently being ignored but I will continue to post on every social page Discover has because I will not let you all get away with this. I have also reported and filed a complaint with the BBB. This company is horrible. They do not care about their customers and I am pretty sure they are stealing money. I should have listened to the bad reviews. Please do not be like me and get scammed by this shady company..Version: 2211.0

Horrible companyI applied for a discover card and was approved. Received it promptly and activated it. I used it without an issue at a retail store and received a call shortly thereafter. It had been locked because I needed to verify my identity. I printed the form, took it and had it notarized and uploaded it back to discover. That wasn’t good enough. They wanted me to go to a second notary. Everything was legal and I jumped through all their hoops but they still had it locked and insisted I go and get a second notary. I work, have school and don’t have time to run all over trying to find notaries. They are usually gone by the time I’m out of school or done with work. All of this should have been required before the card was issued. I have never been treated so badly by a company in my life and their responses are all generic. They don’t care. I’m sorry if using it at a grocery store was offensive. I would never recommend to anyone. This company was spawned by Sears and we see where they are now. Beware before applying..Version: 2204.0

Beware— Discover Sides with Vendors in Disputes!Unlike American Express, Citibank Visa or Apple MasterCard, Discover makes it impossible to get one single representative to manage an ongoing dispute. Every time one calls Discover, they route customers to random representatives, never the same one. Representatives are cordial, but one must recount a concern again and again with each new representative. One can ask for a supervisor but cannot ask for one high-level manager, and Discover never assigns a manager to whom you can always go for answers. Recently, in ongoing multi-year disputes with New York Sports Club, cited in 2020 by NY State Attorney General for fraud and zealous fraudulent over-billing, Discover coldly sided with New York Sports Club. We finally paid the health club $695 for physical training that my husband never actually received because he was hospitalized for placement of his cardiac stents. After we paid, we decided to quit Discover. We use our Citi Costco Visa, Apple Card and our American Express card— all of which protect us and offer vastly superior rewards and infinitely better customer service than Discover. Beware!.Version: 20.8.0

Challenges and SolutionsI’ve been waiting two days for my replacement card. Finally got it this morning, upon activation after spending 45 min on phone setting up new passwords, and security pin for cash withdrawals before I even use the card. I was flagged despite all the redundant measures you employ to prevent Identity fraud! 3 phone calls with your security department the best you could do was ask me to wait for your system to reset. There has to be a way to overcome these protocols over the phone immediately when my identification is confirmed. Depending on computers to do your job is dangerous! Not being able to fix this with a human on the phone is unacceptable. I’m really disappointed. I own a business that depends on me and my mind, experience, and customer service. Remember when that was America! What happened? When did the ability for humans to solve challenges become not enough? Start today one customer at a time . You guys can do this.. You don’t have to solve all your challenges in one day, just break it down one at time. We are capable of so much more than any computer program . We put a man on the moon. Remember that. Scott Sinclair CEO Green Harbor Bait and Tackle Loyal customer of 4 years.Version: 10.2.1

Worst bank ever.This is honestly the worst bank I have ever used in my entire life. I Didn’t even have it a month, and they ruined my entire account. The first week went great, I got to do my mobile deposit no problem. The second week I deposited my check, the bank tells me the day after the deposit of their new 5 day hold rule on checks on newer members. Obviously, if I knew the bank would create this policy, I would never have continued use. However, I was 2 weeks away from being a 30 days account anyway, so I pushed through. The fifth day came, and my check was still not deposited. I called and the bank tells me that they extended my hold, but couldn’t give me a reason WHY the check was on or why they couldn’t change the deposit date. They kept telling me “sorry” and “we understand” but, really? In the end that means nothing to me and you did nothing to help me. I will say the bank has good customer service, but what’s the point when it’s wasted on messed up deposits and empty apologies? I would give this bank zero stars if I could..Version: 20.2.0

It was goodEdit III: after talking to customer service for almost an hour, and several promises made that the app will be fixed, I’m entering my fifth month with an app that crashes right before launching. Worst experience ever with a customer service group. They do not care about their customer. Edit II: two months and I still have a crashing app. No update whatsoever when there are many users reporting an useless app due to crashing on startup. Is Discover ever going to do anything about this or they just don’t care about their users? Edit: almost a month and Discover never put an update on a, now, useless app. I have had no problems with this app for long time until the last update. With it, the app won’t run on an iPhone 12PRO running the last IOS version. The app crashing took me to discover that either I have problems finding the right help, or Discover just doesn’t have a support team that works as expected. Wanted to ask in a chat and I was asked all sort of questions regarding my account instead of concentrating on the app. Gave up on that help immediately. I hope a new update comes soon and takes care of this problem. In the meantime, I have to do anything needed in a browser..Version: 2213.0

Poor customer serviceI am very concern d about the Fico Scoring system you use. I have a zero balance with Discover- in fact I have a zero balance with the 4 credit cards I have and never paid late or missed a payment. And yet my score dooms to drop from 835 down to 797 for no reason. You tell me it’s because I don’t have any recent loan history so much do that I finally went out and bought a car. My credit went up a little but owing that money weighed heavily on me. I started making 3 or 4 car payments a months. Instead of paying my car off in 6 years it was paid in full in 1 year 9 months. I do not like owing money…… the last time I called customer service with Discover they told me they showed a different higher score than the 797?they were reporting- they told me they sometimes used a different scoring Agency. This did not sit well with me!!! I worked hard to pay my bills on time and get the score ai have….this is not fair to your customers and unfair as well… Discover needs to fix this issue.Version: 2215.0

Needs help!Overall I like the App, however, the majority of times I try to schedule a payment it crashes when I click on the calendar to choose the payment date. I’ve tried to schedule payments and it wouldn't show me the current month! The last month it shows is August. So I'm constantly having to make a reminder in my calendar to make a payment on the day I want to make it! Ridiculous! What a joke. FIX IT FINALLY!.Version: 8.9.0

What gives?Discover was my very first CC 9 years ago. I now have several and I maintain them all perfectly, in fact I have zero balances on all of them. Discover is still my smallest credit limit card and they refused to increase my credit limit. They say the refusal is from my credit report… after they refused me I applied for and received a Target Red card (which became my newest high limit card) and today I was approved for a muuuch higher limit Gold Delta Amex card than every other card have. The approvals were based on my credit report! I called Discover right after I received the denial letter to discuss it and I was just told sorry we make decisions only on what the system said. Well Discover, guess which card I won’t use very often?! Just $10 here and there to keep it open. You should dig a little deeper when your own customer calls to say “hey I’ve had this account almost ten years, it’s been fully paid off several times, and I’ve never had a late payment”..Version: 2213.0

Could be betterI’ve set up FaceID, but for some reason when I click the app, I have to manually click the FaceID button for login. Then, it scans, I get a green check and…nothing happens. It might do it once, then login, or like this morning might keep doing it until I get frustrated and give up. I also wasn’t getting push notifications when I used my card, I checked my settings and the only notification turned off is badges. Turned them back on and I’m getting pushes for my transactions. This is not reasonable. Now I have to log into the app (which doesn’t work correctly) to manually clear out every notification so I don’t have a badge count if I want to continue getting push notifications of transactions. This is just silly. I’m on a fully updated 14 pro, so the issue is certainly the app. I would also like to have an option to view more than one card or account in the app, I have my own Discover and am an authorized user on my husband’s card. There’s no easy way to switch between accounts, so I have to go to the website in order to view or pay my husband’s card. Other credit card apps allow for account switching..Version: 2211.0

Lots of Functionality, Face ID BrokenThis app has been very solid for a long time, and became even more functional when Discover allowed customers to merge their bank and credit card accounts so they could both be managed with one login. But all of that functionality still requires a log-in, and Face ID/Touch ID are essential for making that login process quick and easy. Over the last several months, logging in with Face ID has become impossible. The feature turns itself off. When I try to turn it on, the app tells me the feature is unavailable at this time and that they’re sorry. I once deleted and res installed the app, which allowed me to successfully turn the functionality on for a little while, but before long it turned off and wouldn’t turn on again. Once you’re logged in, the functionality is superb. But a broken log-in process really kills the ease and convenience of an app that requires signing in every time you use it. Once they finally get this crucial feature fixed, my review will go back up to 5 stars..Version: 20.4.1

LiarsDiscovery never stuck to their agreement with us, discovery never had no intentions of sticking to their agreement with us. I had medical issues had surgeries. I got behind on all of my credit cards. All of my credit card companies worked with me honored their agreements and I am 100% current with all. Discovery is the only credit card company that never honor their agreement never had any intentions of honoring there agreement. Since my surgeries I have agreed to pay a certain amount of a payment to them. I have never once been late with them. I have gone through two reviews to re-activate the card and they have denied me every time. I would not recommend this company to anyone because they are a bunch of liars. I mean come on, a small time person like me can stick to my agreement but a multi million dollar company can’t. I think it’s a disgrace. I would pick American Express or capital one over discovery any day of my life. I will tell every person in my family and my friends what a bunch of scammers they are. My grandchildren will never have a discovery card because of this..Version: 9.11.0

Doesn’t allow future pay dateWon’t allow a date other than today to be entered. Come on Discover Card - fix your app! I've landed the latest update and you still haven't fixed this problem. Does it on both iPhone and iPad..Version: 8.9.0

Heartless companyThis is the worst credit card company. I’ve call more than 7 times to resolve 1 issue. They got no payment plan for people going through hardship. I was told I am set up on a payment plan when it’s time to pay my bill my minimum payment increase and when I call back I was told a payment plan was not set up. I am a responsible individual I’ve never missed a payment. I called and explain I am 6 months pregnant and was sent home from my job since December 21, 2021. I requested a transfer and I’m still waiting I just need a payment plan and some patience since I always pay on time and have been with them for a while. All I’ve gotten I run arounds, a different story every time I spake with someone different. The more I pay the more interest charge goes on so I’m paying for interest charges and late fee’s not my bill!! It’s frustrating and stressful especially now in my pregnant state. These people have no heart and compassion. I feel I am gonna have a early delivery because of them..Version: 2204.0

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