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Discover ID Protection
Not Recommended For Total Identity Protection
Good Perk If Already a Discover Card Member
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Discover ID Protection Ratings
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Protection
Overall Protection of your ID
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Price
How Well Are They Priced
Free w/ Card -
Member Services
Customer Care & Support
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Recovery Package
ID Theft Coverage
$25,000 -
Additional Services
Credit Reports, Anti-Virus, and More
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Awards & Accolades
Achievements & Recognition
A+ BBB -
Customer Experience
What Real Customers Think
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Expert Review
What Our Experts Think
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Number of Reviews
netsitereview.com user reviews
5 -
This Review is maintained by ASR Staff
Review Last Updated :
Discover Identity Theft Protection Review
Discover has about 57 million cardholders all over the world, and they offer identity monitoring services for free to their customers. The company is well established, and has won awards for their customer satisfaction and advances in technology. Their identity theft protection includes monitoring, education resources and fraud specialists to help get your credit back on track.
What We Like 
First of all, free is always nice, so there’s really no disadvantage for cardholders to use their services. With it, you get daily credit report monitoring which can give you fast alerts if there is illegal activity happening on your account. In addition to this, you’ll get alerts should a criminal try to open an account in your name or run your credit report without your permission.
It provides up to $25,000 in reimbursement insurance (underwritten by AIG) and gives you access to dedicated fraud specialists 24/7. Plus, Discover has a direct lines to your credit information, considering they’re the ones who are processing your information. Their algorithms are really good at catching purchases that are out of character for you.
They also take care of the paperwork for you, which is a huge help to anyone who finds themselves with precious little free time throughout the week. The company has resources, and there should be a clear chain of command and action when there’s a problem.
What We Don’t Like 
There are no options to upgrade your plan, and their coverage is not enough if you’re hoping to fight against identity theft. Credit monitoring can be a great way to stop fraud, but between social security, insurance and medical fraud, it’s possible to rack up a lot of debt that has nothing to do with credit.
Discover only offers $25,000 worth of protection, which will likely not go very far in an identity theft case. Plus, even though they have an A+ rating with the BBB and have been given several awards for how they treat their customers, they’ve had a significant number of complaints in the past. This may be merely a function of working with so many cardholders, but it’s still worth noting if trying to decide between companies.
The Bottom Line
If you don’t want to pay for identity theft services and you already have a Discover Card, this service is definitely better than nothing — especially if you’re not planning to pay for additional services. The fact that it offers thousands of dollars of reimbursement protection (again, for free) will provide some help to those who suffer from a breach. If you already trust and enjoy doing business with Discover, this is the cherry on top. However, you may want to supplement that assistance and monitoring with another company’s services that are more proactive regarding the rest of your information. And definitely don’t let it lure you into a false sense of security when it comes to this complex and increasingly more popular form of theft.
Latest Discover ID Protection Reviews on netsitereview.com
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1
Charly’s review of Discover ID Protection
80 people found this review helpful!
My mother was with discover for almost 20 years and paid the extra $15 a month for identity protection. She is elderly and fell scammed to the discover gift card extortion online. Had all full documentation, and the scammers claim they were discovered so she gave them money towards gift cards totally thousands of dollars everything was fully documented through all companies and sent to discover they denied it because they said she was willing to give the person on the line that said that it was discovered all of her information that was requested. Dealing with discover for my mother I was appalled by the lack of customer service, and how unhelpful they were during a very trying time. I canceled my company discover card immediately after dealing with the claim and then denying it. If you have discover you should close it out and find a more reputable company. Because their idea of protection is a joke. And they have no loyalties to their customers.
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4
Donna’s review of Discover ID Protection
2557 people found this review helpful!
It isn’t free. I’m getting charged $12.99/month for it. How do I cancel it?
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1
Rick B.’s review of Discover ID Protection
1001 people found this review helpful!
This service is an absolute waste of space, time and money. Let me tell you why. I have been paying them loyally for over a year and had not had an incident. I have a large identity theft issue, where my checking account and several credit cards were hacked. I managed to pay all my accounts but somehow my recurring payment for my discover personal loan (Business Loan) was kicked back. The checking account had been frozen prior to the drafting of the payment. I remembered I had this protection and called to use it! Wait!!! I can’t… I didn’t pay that loan ONCE, due to fraud and did pay all the other Discover cards I had plus the 15 dollar a month “protection” fee but it is policy to not help a client that is in need and missed a payment on a discover product. No matter the reason. Like FRAUD. Great Scheme they have here. Collect the money until an incident happens, causing financial harm then step back and say we can’t help you here. PONZI SCHEME
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1
Janet R.’s review of Discover ID Protection
1087 people found this review helpful!
Awful. I changed from LifeLock to Discover. The first month under Discover I had fraud charges and they did not believe me and are making me pay for them. Then I got 4 more fraud charges which they are investigating. Once this is cleared up, I am cancelling my account, my daughter’s and my son-in-law’s.I have changed back to LifeLock.
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1
Tessa’s review of Discover ID Protection
1256 people found this review helpful!
I have been on hold for 2 hours with was supposedly an easy fix. I have been told to hang up and call creditors myself even though I told the discover operator I don’t have anything in collections and haven’t for over 20 years. When you did deal with one issue it was half ass as the original problem that someone else is all over my Experian account . And here I sit. 10 years paying you $13 a month and I get put on hold for literally 2 hours and i’ll have to deal with all this myself. Thanks for taking my money and being a bigger pain than Experian themselves. Total disrespect to me as a customer. two hours to talk with someone from India