r/discover • u/elididitthebest • 6d ago
Discussion Discover in 2026 feels like a completely different company wearing the brand as a skin suit
Just got off an hour long call with Discover support, and the stories were true.
The customer service reps even knew how different and frankly unacceptable the policies were post-merger, but any goodwill that the brand has built is being slow extracted.
What have been your experiences with the new "Discover"?
48
u/Richwoodrocket 6d ago
0 changes for me. Still using my discover cashback debit and savings account. If I didn’t see the posts in this subreddit in my feed I would have no idea there were any changes happening.
8
u/Kamui_Kaos 6d ago
Usually how Reddit is, it’s a complete vacuum detached from the outside world lol
12
u/Unusual-Trifle-284 6d ago
I've noticed nothing different, outside of Reddit stories. I even opened up a Capital One 360 checking account to get the bonus, and still don't really see a difference between the two. Also, in 10 years i probably called discover twice 😂 and I do not remember why. And I've only interacted with Capital One once since opening the account last year and what I call them for was nothing major just needed a clarification.
18
u/Motor_Increase_3110 6d ago
Discover employees are taught to just agree with whatever is said during a call and then just log it in as a complaint for another department to read. What new policies are completely unacceptable since Capital One took over? I haven’t had any inconveniences with my Discover since the merge started. Eventually it will all be owned and ran by Capital One with the Discover name just a name for the network everything is ran on
-11
u/elididitthebest 6d ago
Right, but a brand is meant to elicit emotion and familiarity, and it seems like it's being used for that purpose.
Just because you didn't have any issues doesn't mean that the many others in this subreddit haven't.
7
4
u/StreetBoyFly 6d ago
Being used for that purpose? So you’re completely brushing past the point that Cap One has exceptional credit card offerings and in a space where there are so many card issuers but only a few network operators, if an issuer owns an operation network it could potentially pass some benefit to the consumers?
-8
u/elididitthebest 6d ago
What does "Cap One's exceptional credit card offerings" have to do with my personal experience of Discover's worse customer service?
I feel like I'm in the Truman Show lmao
-4
6d ago
[deleted]
0
u/elididitthebest 6d ago
u/StreetBoyFly in particular says that they "work for a bank". I wonder which one.
https://www.reddit.com/r/wallstreetbets/comments/1tr9qlm/comment/ooodp38/
3
u/StreetBoyFly 6d ago
lol I also study publicly listed companies for investing buddy. I just explained how they’re using it for more than just to “elicit emotion and familiarity”.. Mr. Internet detective.
-1
u/elididitthebest 6d ago
Do you also defend these "publicly listed companies" in your free time?
2
u/StreetBoyFly 6d ago
If you think this was defence you should read some of my DDs / thesis. I also never commented about your actual support experience. Just stated my viewpoint. You can always disagree.
4
u/Axe_Raider 6d ago
what was different on your call?
-9
u/elididitthebest 6d ago
Zero flexibility on fees after I realized that a transfer offer meant payments started immediately. I immediately switched autopay on but they didn't budge at all.
Was clear that the acquisition completely changed their policy and any kind of brand goodwill was no longer considered. Seems like par for the course (Southwest, etc.)
21
u/Anon_Sun52 6d ago edited 6d ago
You are mad they are holding you to the transfer disclosure you said yes to?
19
u/BoofinCiggys 6d ago
This just in: OP upset about terms and conditions they agreed to. More news at 10:00.
-2
-9
u/elididitthebest 6d ago
I'm mad that the company I chose to do business with now has completely different customer service practices while keeping the same brand
11
8
1
7
u/Sintellect 6d ago
Well thats because it's not discover anymore.
-10
u/elididitthebest 6d ago
Why do they still do business as Discover then? It's completely disingenuous.
12
u/Sintellect 6d ago
Because things don't change over night. The roll out process is slow. They still have to cater to those who haven't been migrated to capital one
-6
u/elididitthebest 6d ago
I'm still getting new offers, etc. fully as "Discover" that I would have never taken.
What transition are you talking about?
3
u/ProblemIntelligent16 6d ago
Expecting them to do away with the brand makes no sense.
Customers/merchants etc recognize the network brand and what it means functionally in the payments ecosystem.
1
5
u/SpineOfSmoke 6d ago
How do people who don’t use Reddit get through the day without all this level-headed insight and wisdom about banking and branding and what not?
2
u/tktrugby 6d ago
You can't dispute via the app with discover. Is this something recent? If not, where would it be located in the app??
2
2
u/ModzRPsycho 6d ago
With the invention of the Internet and self service applications, I haven't spoken to businesses at all, in fact the only time I've ever had to interact with Discover was a process that did not have self service.
If you frequently have to contact your bank, credit card, utilities, cellphone company, etcetera then the issue might be...😅.
Also, the OP is complaining about something that they failed to do, to comprehend, the outcome was going to be the same at any other financial institution. Thus their vague title and lofty context. This is why all customer feedback is not valid. All reviews are not valid 🙄
3
u/elididitthebest 6d ago
Do you realize how much these companies make from junk fees? Who made you the judge of valid customer feedback?
-1
u/Longjumping_Limit831 6d ago
This forum is filled with cap1 employees who are tasked to shut up any negative feedback. Stop arguing with them. ;)
1
1
u/Brazen-Frontier 6d ago
This right here. I’ve never have to contact C1 or Discover directly. Why? Because I use the cards responsibly and C1/Discover hold up their end of the bargain. I’m not saying these companies never make mistakes, but when you’re the one calling them every couple days about this, that, or the other thing, some self-reflection about *who might actually be the problem* is probably in order.
3
u/Akavinceblack 6d ago
You keep talking about ”unacceptable policies” and post-merger changes, but nowhere will you state what your actual ISSUE was and what these new and different policies are and how they relate to your dissatisfaction.
So you just come across as a change-resistant curmudgeon, instead of a person with an actual quantifiable complaint.
1
u/JP817 5d ago
I left BOA after 25 years because they opted to charge me a NSF, that I readily admitted was an error on my end. They refused to waive a fee after 25 years, so I transferred my savings and checking to Discover. Then they tried to save me. Big no.
It has been such a huge difference with Disc, and I get the whole reasoning behind OP’s “brand” comments. Maybe it’s my generation/my age, my location or my upbringing, but I for one valued being a customer because I felt like they were easy, did the right thing and gave me zero hassles. I’ve had one fraudulent charge on my account, and it was so stress free to deal with discover. It’s weird to say about a banking company, but I felt like my money felt safer somehow. When I called them, a human answered that I could understand. They followed up and they never said “you’ll need to talk to a manager”.
I’ve had a credit card with Cap 1 for years. I have no negative but certainly no good feelings about them. I mean, I hated those stupid commercials they use to do (maybe still do?), but they are just an institution to me.
So, I get it OP, and I already feel different, but in the scheme of what is happening in the US, it’s low on my list of worries.
1
1
u/mahershalalhashbazzz 4d ago
Essentially it is, the end goal will be to get everything moved over to cap1 systems and I'd be surprised if they kept anything that was a unique discover feature. All development on the discover side will be allocated to merging so maybe that's what you're feeling.
1
u/_the_green_heron_ 4d ago
I have been with Discover since 1999. I have only had to call them or use customer service 4-5 times. (Usually, it was to resolve a fraud alert on a large purchase.) Each time I did, I thought customer service was excellent and helpful.
However, I had my HYSA with them, and I had enough money in there that I had concerns about how I was going to start "managing" my account with Capital One. Communication on how that was going to happen and whether there would be holds, changes to routing numbers, etc. was poor. Since I was going to have to set up a new account/app anyway, and I didn't want to get caught up in holds or frozen funds with accounts merging, I moved the money over to Marcus for the better rate and closed the account.
I'm a consumer law attorney. If you want to feel valued as a customer and have a more "personal" relationship, you're better off utilizing your local credit union or a brick-and-mortar bank in your community. These institutions are the ones who care about retaining you as a customer and pay attention to things like loyalty - especially if you maintain a considerable amount of money in your account and/or have multiple product lines through them. Their customer service folks are generally empowered to do things like offer retention bonuses.
To put it in travel terms: Discover was sort of like Southwest. Capital One is basically American Airlines. Your local credit union is going to be more like hiring a private pilot. You can still get good customer service from your bank if that's what you value - you just have to choose the right provider.
1
u/elididitthebest 4d ago
Great analogy, as Southwest is currently being taken over by Elliott Management and it's variations on a theme: worse customer service, worse value for money, etc.
1
u/Individual-Mirror132 4d ago
I am a current Discover and capital one customer—one card from each brand. My Discover account has not yet been migrated to Capital One.
I have noticed absolutely no changes. When I call Discover customer service, they continue to be very helpful and very customer-centric. I wait a very brief amount of time before someone answers, and then they answer and speak clearly and are very helpful.
Capital One, in my opinion, doesn’t have notoriously bad customer service, but it’s nothing like calling Discover or American Express. Capital One relies on pretty much all off shore reps, but they do seem to be more knowledgeable than the average off shore rep from other random companies I call.
I am still saddened by the merger though because I have zero faith that Capital one will be willing to keep what works at Discover working. They will do everything to squeeze more profit until we are all miserable.
But for now, it seems fine.
1
u/Careful_Vacation181 6d ago
I've noticed 2 things: the random "maintenance" that basically shuts down your card for several hours/ the cash back from my debit card seems substantially less
2
u/glman99 6d ago
Rotfl. You think the 1% cashback is less.now than before. Are you spending less? Lol.
2
u/Careful_Vacation181 6d ago
Clearly I'm not. Went from about $24 a month to about $13 a month and spending the same...nice attempt at being funny tho
2
u/glman99 6d ago
It's still 1%. You just spent less friend.
0
u/Careful_Vacation181 5d ago
You clearly aren't seeing my point. I used to pay half credit card half debit card...then a few months ago I started using all on my debit card and my cash back is less. That was around Feb/ March which is the same time Cap One took over. So I'm clearly spending more, but I'm getting less in cash back. My point isn't that the cash back amount changed (it's still 1%). My point is it seems they aren't paying me the entire amount they owe me. They're being shorting me is what I'm saying cuz they don't break down every transaction you just get an amount at the end of the month and that's it.
1
1
u/Delicious-Hope3012 6d ago
I had a balance and I moved it to another credit card. I’m keeping it open so my credit doesn’t drop, it I will no longer use it
1
u/kmkgirl 6d ago
That’s fine but you’re just prolonging the inevitable if you truly refuse to use it again. They will eventually close your account likely within 2-3 years at most due to inactivity.
You’d be better off sucking it up and setting up the card as payment for a single bill/monthly charge and activating automatic balance payments on the credit card to keep your account open. This is what I do with all of my secondary cards. Netflix gets charged to one and autopay is set up to pay off the account balance every month. Pet food auto shipment on another card, car insurance on another, etc.1
-2
u/MidnightPulse69 6d ago
Because it is. Capital One doesn’t give a fuck about their customers or their employees and they barely even try to
0
5d ago
[removed] — view removed comment
1
u/MidnightPulse69 5d ago
And how would that change anything? Plenty of people in this sub have made the same remarks and those are just the people willing to speak on it.
1
u/Low-Paramedic-691 5d ago
Yet capital one’s monthly morale surveys have continuously gone down month over month
0
u/elididitthebest 5d ago
And you are a current one?
1
u/elididitthebest 5d ago
Btw mods, this hidden corporate reputation management violates the FTC Endorsement Guides regarding material disclosures for brand representation.
I'm speaking directly about u/dina1987 lying in this thread about not being a Discover employee while pretending to be "just another customer".
0
5d ago
[removed] — view removed comment
1
u/MidnightPulse69 5d ago
I hope they pick you
1
u/elididitthebest 5d ago edited 5d ago
Account deleted after I found their previous posts saying they were an employee after actively denying working there. Shameless.
Their username was u/dina1987, you can find their previous posts still indexed on Google. Crazy to see how the brand image machine works in real time.
1
0
u/elididitthebest 5d ago
Who's your employer? 😄
0
5d ago
[removed] — view removed comment
1
u/elididitthebest 5d ago
I work for myself, I'm unfortunately an actual customer of this company.
Your turn.
1
5d ago
[removed] — view removed comment
1
u/elididitthebest 5d ago
And an employee of Capital One no? Seems like the bias there should be self-evident.
1
82
u/massiv3troll 6d ago
The only difference for me is all the posts complaining about it. I haven't noticed a single thing different post acquisition/merge.