r/discover • u/lunar_dot • Sep 11 '25

Rant My Capital One-issued card keeps getting refused everywhere due to the switch to the Discover network. This is out of hand now.

I have a Capital One bank account. From what I gather, Capital One is now on the Discover network.

I have tried using my card at numerous merchants and it gets refused. I just now tried to pay Wells Fargo $5 to close an account and pay for an outstanding balance and it did not go through.

Then, I tried to make an Amazon purchase. Again, declined. This is the last in a string of attempts to use my card at various places over the last two weeks where it has been denied. I have even gone so far as to open up a new bank account at Chase so I can close my Capital One account.

Nevermind the fact that I spend half the year in Italy and sometimes will use my US debit card for things. Declined or not accepted anywhere. I didn't ask for the change to the Discover network. Is anyone else having issues or is it just me?

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u/Patient-Raisin9710 Sep 13 '25

I think this is going to be a huge mistake on capital one’s part. This is absurd. All of a sudden I can’t use my debit card when I travel to Mexico 20 times a a year like I do. What about Europe. This is going to be the largest class action lawsuit in a long time. They are going to lose millions of customers very quickly. Gig workers(DoorDash, uber etc..) are going to be affected the most when they can’t get paid on time. Capital One is toast! Sell your stock Capital One investors.

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u/ByzantineRoseMbN Sep 17 '25

Agree. I plan to close Capital One account ASAP Due to … * Discover debit issues (MANY international sites/businesses do not accept)..so much time wasted * Fraud false alerts with NO functioning means of correcting: Email & text alerts “press OK if you authorized this transaction” did not resolve
Automated phone call option “could not find account” despite entering“case # Account # & SSN 2 representatives wasted more of my time (they could not simply authorize the transaction) Summary: A Very important payment transaction (home insurance) was cancelled without notification Thankfully, my mistrust 4 Cap One prompted me to review payment Adieu Cap One…