Discover Credit Card Debt Harassment

Creditors like Discover cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If Discover Financial Services violated the law, you may be entitled to money damages and Discover will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at (888)-572-0176 for a free consultation.

Who is Discover Financial Services?

Discover Financial Services is the world’s fifth-largest credit card brand, behind Visa, MasterCard, Chase, and American Express, and is headquartered in Riverwoods, Illinois. Founded in 1960, Discover has been accredited with the Better Business Bureau since 1989, but has received over 800 consumer complaints via the BBB in the past three years, most of which are for product/service problems (400+) and billing/collection problems (~300).

Discover’s Address, Phone Number, and Contact Information

Discover is headquartered at 2500 Lake Cook Road, Riverwoods, IL 60015-3851. Discover’s customer service number is 800-347-2683 and the main website is For more contact information, visit Discover’s Help Center.

Phone Numbers Used by Discover

Discover likely uses hundreds of different phone numbers to call consumers.  Here are some phone numbers Discover may be calling you from:

Discover Lawsuits

If you want to know just how unhappy consumers are with Discover, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER lists over 5,400 lawsuits filed against Discover in the United States, and there are also likely hundreds of claims filed through the American Arbitration Association. Nowadays, most credit card companies have arbitration clauses, which mean that if you have a complaint with a credit card company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, but the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Discover Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Discover violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Discover took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Discover, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Discover continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Discover is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How can we Use the Law to Help You?

We will use state and federal laws to immediately stop Discover’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Discover violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.THAT’S NOT ALL…We have helped hundreds of consumers stop phone calls from Discover and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Discover is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.THE GOOD NEWS IS…The good news is that if Discover is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.REMEMBER…If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Discover

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Discover. Here are some of the BBB reviews and complaints against Discover:
  1. “Discover first approved a credit card to someone that was NOT me. Discover then proceeded to tell me that I was responsible for their mistake they had made from the beginning (letting someone else open a card in my name) so I have to pay for the fraudulent balance even though I filed a police report. To top it off, I got notified that I am late on making payments on the card they opened in my name, without my permission, AND they have yet to send me a bill in the mail.”
  2. “I made a purchase from a furniture company for $190.40 and charged it to my Discover card. Discover card overcharged me by $521 although the furniture company clearly stated that I owed them $190.40 and not $711.40. Basically Discover would profit $521. I have been trying to have the $521 charge removed from my account for six months now. Every time I call Discover after 30 minutes of conversation and research the representative tells me that the $521 will be refunded within 72 hours, but it either never shows up on my account or they charge it back. Then I call them again and go through the same cycle. I never dealt with such a bunch of incompetent people like those at Discover Card.”
  3. “I have set up automatic payments for my credit card as of Aug. 2016. On the 5th of every month my bill is automatically taken out of my checking account. Even though these payments are made I receive a notice of late payments and an increase in my payment amount. I have spoken with Discover customer service many times but this issue has not been resolved. I cannot have this affecting my credit negatively but Discover does not seem to help with the problem. I will be calling them again to attempt to solve this problem again.”
Based on reviews on Yelp, Discover received a 3-out-of-5 rating. Here are some of the reviews on Yelp:
  1. “This is one of the worst credit card companies I have ever dealt with!  Don't waste your time.  They are great until you have a problem.  And when you determine the issue was on Discover’s end, they never even apologized.  They missed posted my payments (2) and sent me all kinds of threatening letters.  I sent them my statement and my checking accounts verifying these were mis-posted, they simply said “make sure you call us right away next time and let us know we made a mistake!”  Huh???”
  2. “Terrible company. I made consistent and on-time payments for two and a half years. Out of the blue they decided to close my account, no call, no email, no letter of the change. I had to find out through my credit report that it was closed.”
  3. “I wish I could give 0 stars. I have had this card since 1999, it was my favorite card…I had an issue with a merchant who charged my account. I tried to resolve it with them with no resolve so I disputed the purchase. I sent in the proof of delivery emails showing the purchase was not valid. I can't believe after 14 years how Discover treated me so poorly…they kept charging it back on my account after numerous calls & emails telling me it was resolved. I requested by fax my account closed and received email confirmation that it was closed. They could care less, they just closed the account, never emailed me…I always paid my bill so they never get any interest fees so I guess paying your bill is not the customer they want.  So very upset to have to close this account but they don't even care, didn't bother to email to confirm the closure and how I'm going to get my cash-back bonus that's on the account. I'm going to contact the BBB as well, don't know if that will matter, but it is insulting how they treat a longtime customer.”

Cases We’ve Handled Against Discover

I THINK YOU’LL AGREE WITH ME WHEN I SAY…Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are two cases we’ve handled against Discover:
  1. Debra P. v. Discover Financial Services – In March 2017, Debra of Milwaukee, Wisconsin, pursued a claim against Discover for violations of the Telephone Consumer Protection Act (TCPA). When Debra was struggling to make payments, Discover began harassing her and making illegal robocalls to her cell phone; the calls continued after two formal requests to Discover that they stop, and then Debra contacted us to end the harassment. The case was resolved in June 2017 and Debra was thrilled we stopped the calls and resolved her case.
  2. Edward C. v. Discover Financial Services – In January 2013, Edward of Clay County, Florida, pursued a claim against Discover for violations of the Florida Consumer Collection Practices Act (FCCPA). Complaints consisted primarily of unlawfully attempting to enforce an illegitimate debt and asserting the right to do so when the defendant knew the right did not exist. The case was resolved in March 2013 and Edward was happy with the results.

What Our Clients Say About Us

Agruss Law Firm, LLC has over 700 outstanding client reviews through Yotpo, an A+ BBB rating, and over 105 five-star reviews on Google. Here’s what some of our clients have to say about us.“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”

Can Discover Sue Me?

Yes, Discover can sue you. Discover can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Discover, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and Discover may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Discover has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Discover Garnish My Wages?

Yes, if Discover has a judgment entered against you. If Discover is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Discover Settlement

If you want to settle a debt with Discover, ask yourself these questions first:
  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Discover remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Discover confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Discover, we at Agruss Law Firm are here to help you.

Share Your Complaints Against Discover Below

We encourage you to post your complaints about Discover. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!HERE’S THE DEAL!If you are being harassed by Discover over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

See all of the phone numbers that Discover may be calling from.

Hear from our clients

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Submitted complaints

I owe 11k which im about 3 months behind. Discovercard calls me 4-5 times a day. I have already tried to negotiate with them to no avail on a lower payment plan!

Discover took money out of my today the called my wife

Even though I sent a payment over a month ago (see letter below), they continue to call but now there is never anyone on the line to complain to. It is as if they just want to harass me.

Hi - I need your help!I've been inundated with calls from 800-347-4779 (Discover) and I can't get them to stop. My account is up to date (I've never missed any payments or paid late on any credit card ever), but the balance is approaching my credit limit, so I've apparently been placed on an internal list for some sort of offer or collection effort. They never say anything when I pick up, and leave no message (auto-dialed calls). I've received at least two and sometimes three calls per day from this number every day of the week except Sunday for the past couple of weeks, and it's driving me and my wife crazy. I tried to get them to stop via onine chat (I saved the transcripts) on May 9, and even extracting a confirmation that the number belonged to Discover was difficult at best. The agent confirmed that I was already on their Do-Not-Call list, and said I shouldn't be receiving any calls. I tried again on the morning of May 13, and got nowhere with another agent, who insisted I call another department to make them stop, which I refused to do. My Do-Not-Call status applies to the whole of Discover, and I shouldn't have to contact each department in their organization to not receive calls. I used their secure message system to try again in the early afternoon on May 13, and received a corporate boilerplate assurance that they'd stop. Since then, I received another call later on May 13, two more yesterday, and already one more this morning. I'm continuing to contact them via their message system each time I get another call, and at this point, I've demanded a settlement payment from them of $1,000 per unwanted call for each one I've received since May 9, the date of my first stop-calling-me chat. Of course, I don't expect them to pay me a penny without a court fight, and what I really want is for the calls to stop. If I can make them pay for violating the TCA, which if I'm not mistaken, can cost them up to $1,500 per call, maybe they'll stop harassing me and others that I'm sure are in the same situation.Can you help?I look forward to your email response. Thanks for your time.

Discover Finance has been calling me several times a day. They have called before 8:00 AM and after 9:00 PM and also on Sunday. They were notified that I had filed for bankruptcy with my attorney's information for contact and I requested they only contact the attorney from the date of receipt.

I've been receiving 3 to 4 calls a day from 623-643-2547, even on a Sunday! I don't have any late payments and am current on all my payments. I called Discover to inquire why I was being harassed, and they have no clue. However, they promised to put my phone number in their No Solicitation database. But, I'm still receiving calls from them!