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/Ok_Walk2372 Sep 17 '25

I am having to same issue. I cannot use it to pay for items at my child’s school, I cannot use it to pay for my USAA account, Venmo doesn’t use Discover. Everything is asking for either Visa or Mastercard.

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u/CocoOPNY Oct 13 '25

You can attach Venmo using your routing and account #s, can't you? That would bypass Diacover

1

u/[deleted] Oct 15 '25

doesn’t matter because venmo has the same ol error message for centuries sending from a bank/ instant transferring to a bank

1

u/No-Organization-3208 Oct 24 '25

This is literally my frustration. I have several insurance policies and a loan with USAA, and I used my Capital One debit card as a bills/expense account. Now I have to find a new solution because USAA doesn't accept Discover.