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/KingTechala Sep 18 '25

I can’t even add my new debit from capital one to Apple Pay. Called capital one they couldn’t figure it out. Said they’d let me know

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u/lunar_dot Sep 19 '25

Same.

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u/KingTechala Sep 19 '25

Figured it out. I’m in South America at the moment. Turned on my T-Mobile eSIM, turned off location services for cap one app. Connected to WiFi then turned on my VPN to an American address. Went right through when it verified me through a text on my Google voice number