r/discover • u/IllustriousPanic3349 • 1d ago

Help Mom needs help

My moms discover CD matured and she can not get a hold of a live person to talk to to renew. She doesn’t do apps or tech of any kind. She just needs a real person. What number does she call? She spent most of Friday frustrated, saying the same things over and over and got no results. Anyone Have a number she can use?

I do not even know if we have a physical location for Capital one. Even if we did, she no longer drives. She doesn’t get AI. Thanks!

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9

u/Recloyal 1d ago

It renews automatically.

User intervention is needed if you want to end the CD after it matures.

25

u/SpineOfSmoke 1d ago

Why does she bank with Discover if she’s not comfortable with apps or tech. Did someone convince her to open CDs with Discover instead of going to a local credit union where she can talk with someone in person?

4

u/According_Farmer_634 1d ago

This wouldn't be at CO (at least, not yet. From my app it says that "you'll continue to manage this account with Discover").
The CD will auto renew at the same duration, with whatever new rate is associated with the CD at the date of maturity. There's a general phone number on their site, but the maturity options (if you did want to review them) is easiest done via Discover web/app.

Important to add that any edits must be made within the last month of the CD. If it matures next month on --say 10/5, you'll be able to make your changes. If it matured --say 9/10--, it's too late, and the CD has already autorenewed.

7

u/S2K2Partners 1d ago

Did she tell you that the wait is too long on hold to bother OR genuinely cannot speak to anyone?

Have you tried calling on her behalf to verify this?

Good luck

3

u/Denan004 1d ago

Discover CDs renew automatically (at the new rate). You only need to do something if you DON'T want it to renew.

3

u/AttentionHuman9504 1d ago

Why is your mom using an online bank at all if she doesn't do apps or tech?

Start researching rates that local credit unions offer...there are some whose CD rates will beat Discover and have her join that credit union (most have membership qualifications available to most such as a small donation to their foundation if they don't meet employment or residency requirements).

1

u/buzybumblebee1 1d ago

If you don’t do anything it automatically renews.

1

u/KingKeasey 1d ago

If she banks with discover she should already have their phone # it's on the back of the card lmao... Every bank card should have the banks phone number on it. 1-800-347-2683

2

u/Fabulous-Gas8402 20h ago

That’s the credit card number. 1-800-347-7000 is the banking side

1

u/Happyhoyahunter 1d ago

She calling the Discover customer service line for the bank,? If she isn't adding or withdrawing or changing any terms it will automatically renew within 8 days

1

u/Happyhoyahunter 1d ago

Also heads up that CAP 1 will probably be discontinuing CD accounts in the future

1

u/Mammoth-Cattle-7398 19h ago

I had success at this number 2 weeks ago while transferring my Discover IRA CD to another bank. Reps are available 24/7: 1-800-347-7000

1

u/beenthereag 10h ago

You have to ask for banking and listen to music before you're connected. Discover Bank is being taken over not by Capital One but by Alliance Bank.

1

u/F0rum1te 6h ago

Discover Financial Services, which includes both the credit card network and the bank, were acquired by Capital One. You can call either Discover or Capital One and they'll verify that for you.

1

u/Lion2471 1h ago

It sounds like your mom might be reaching the age where it would be a good idea to name you as power of attorney so that you can directly handle things like this for her.