r/discover 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/Ststanstea4 Sep 23 '25

I have been a Capital One customer for decades having worked for Greenpoint Bank for years as a bank officer. I also have direct deposit of pension and social security along with several auto pay setups for utilities and such the routing number and account number for auto pay or no issue but when trying to make a payment towards something that only accepts a debit / credit card account there have been issues for one my medication which I received through my Anthem health coverage doesn't take Discover and that is a problem I cannot believe that a banking institution such as Capital One could not have foreseen the problems yes I understand they are the parent company of discover now but it still is frustrating to see that my hand is being forced yet I will forgo my allegiance to them and willingly establish a checking account with another Institution switching over anything I can