The phone number 800-347-2683 is a caller ID from Discover Card. The company is probably calling you over a credit card debt, a personal loan debt, or an alert for suspected fraud.
Whatever the reason, those calls must be very frustrating and you are not the only one who is complaining about them.
Discover is not your average debt collection agency. In fact, it is a massive public-traded corporation that is now a subsidiary of Capital One after a merger deal that was completed in May 2025, worth $35.3 billion. When Discover contacts you about a debt, it is acting as the original creditor, not as a third-party debt collector. That means it wants money that you supposedly owe to the company itself.
This caller ID has been reported over 8,500 times on RoboKiller, and it also has over 2,500 complaints registered at the Federal Trade Commission (FTC) and Federal Communications Commission (FCC). That’s a lot of complaining!
Now, if you are reading this article, it probably means that you are getting the same calls from 800-347-2683 and you want to stop them. But before we dive into how to make those calls stop, here is what you need to know about Discover Card.
What is Discover Card?
Discover Card is a publicly-traded financial service company that issues credit cards, personal loans, banking, and payment services. In May 2025, Capital One completed the acquisition of Discover Financial Services through a $35.3 billion merger. Discover Card is known for its cashback credit card rewards program.
The company is headquartered at 2500 Lake Cook Road, Riverwoods, Illinois 60015. Discover has over 20,000 employees across the United States and it is accredited by the Better Business Bureau (BBB) with an A+ rating since 1989. Despite its good rating, the company has registered over 3,000 complaints with the BBB in the last three years.
History of Unwanted Calls from 800-347-2683
Discover is not new to complaints over unwanted calls from 800-347-2683. In fact, the company has paid a significant amount of money as a result of the same issue.
For instance, Discover paid $1 million to settle a class-action lawsuit (Jackson v. Discover Financial Services) over allegations of making artificial or prerecorded voice calls to cell phone users who were not Discover account holders. The calls were made between August 2017 and February 2023 in violation of the Telephone Consumer Protection Act (TCPA).
In 2015, the Consumer Financial Protection Bureau (CFPB) penalized Discover’s student loan-servicing arm for engaging in illegal debt collection practices, including making calls to consumers early in the morning and late at night. The company paid $18.5 million in penalty and refunds as a result.
Why is Discover Calling You?
So why is Discover calling you? There are two likely reasons why you are getting calls from 800-347-2683.
The number one reason is that you owe Discover money. The company might be calling you to collect a credit card debt or a personal loan debt that you are yet to pay or you have defaulted on.
Alternatively, Discover might be calling you over a fraud alert on your account. When you apply for a credit card or a personal loan, Discover opens an account in your name, which might appear on your credit report. If there is any suspicious activity on your account, such as someone trying to use your credit card or applying for a loan using your personal details, Discover will alert you through a phone call or an email.
Another reason why Discover is calling you is that you do not owe the company any money. There are several complaints from people who do not have a Discover credit card or a personal loan but are still getting calls from 800-347-2683. This is happening probably because someone else’s debt has been listed under your name and Discover is calling to collect it.
Additionally, Discover might be calling you because your number has been spoofed. Phone number spoofing is a practice where someone disguises their phone number to make it appear like they are calling from a different number. In this case, someone might be spoofing the Discover phone number to make it appear like they are calling from Discover.
Whatever the reason for the call, it is very frustrating and you might want to make it stop. But before you do that, here is what other consumers are saying about calls from 800-347-2683.
What are Consumers Saying about 800-347-2683?
There are mixed reactions from consumers who have received calls from 800-347-2683.
On the one hand, some consumers are frustrated with the frequency of the calls. One consumer reported on Everycaller that they had received 2,425 recently blocked calls from the same phone number. Other consumers have also reported that they receive 3-7 calls per day from Discover Card. Some consumers have also reported that they receive silent calls with dead air or hang-ups as soon as they pick their phones.
On the other hand, some consumers have reported that the calls from Discover are scams. One consumer reported on 800notes that, “This sounds to me like a scam group is using the Discover number again. We have gotten three calls this week alone. The incoming call is from 800-347-2683, but they ask me to call back Kathy at 800-347-3072. Then they ask for personal identification such as home address, phone number or social security number.”
Another consumer reported that, “I called the number back and it actually is Discover Card. In speaking with the young lady, she told me that the Discover Card security people have discovered that someone is spoofing, actually using Discover Card’s phone number, trying to get personal information from consumers.”
Your Rights when Dealing with Discover
When Discover calls you over a debt, you have the right to request the company to stop calling you. In fact, this is one way to stop the harassment calls from the company. You can stop Discover calls by sending a cease and desist letter to the company.
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to tell a debt collector to stop contacting you in writing. Once you send a cease communication letter, the debt collector must stop calling you, except when the company is informing you that it will stop contacting you or intends to file a lawsuit against you.
Alternatively, you can stop Discover calls by verifying the debt. You have the right to request Discover to verify the debt it is trying to collect from you. You can do this by sending a debt validation letter to the company within 30 days of receiving a collection letter. The debt validation letter should request Discover to provide you with the following information:
The name and address of the original creditor
Verification of the debt
Amount of the debt
Explanation of interest or fees
Description of the services rendered, if applicable
Under the FDCPA, Discover must stop collection activities until it provides you with the debt validation information you requested.
Discover BBB Complaints
If you are getting annoying calls from Discover, you are not alone. The company has over 3,000 complaints filed with the Better Business Bureau (BBB) in the last three years. In the last 12 months alone, Discover has over 900 closed complaints with the BBB. Most of the complaints are over problems with a product or service and billing or collections issues.
Here is a summary of Discover complaints with the BBB:
Discover complaints in the last 3 years: over 3,000
Discover complaints in the last 12 months: over 900
BBB rating: A+
BBB accredited since: 1989
Discover collections can be frustrating and you might want to make the calls stop. But before you do that, here is what you need to know about the company’s collection practices.
How Discover Collects a Debt
When Discover issues you a credit card or a personal loan, you enter into an agreement where you promise to pay your debt on time. If you fail to pay your debt, Discover will send you several notifications informing you of your delinquency. If you still do not respond, Discover will send your account to its recovery department, which will attempt to collect your debt through phone calls.
Discover operates as a first-party creditor, meaning it rarely sells debt to outside buyers. Instead, the company retains ownership of your account and pursues you directly through its in-house recovery team. Accounts are typically charged off six to seven months after the first missed payment. At that point, interest accrual generally stops, but the collection calls do not.
If internal efforts fail, Discover refers accounts to third-party collection law firms like Zwicker and Associates, Selip and Stylianou, or Pressler Felt and Warshaw. Even at that stage, Discover still owns the debt. While the company is known for being more lawsuit-aggressive than some other creditors, the reality is that most debts never reach a courtroom. Collectors perform a cost-benefit analysis on every account, and the vast majority of consumer debts simply are not worth the legal expense of filing a lawsuit and hiring attorneys across multiple jurisdictions.
How to Stop Calls from 800-347-2683
Now that you know why Discover is calling you and what other consumers are saying about the same calls, here is how to stop them.
There are two ways to stop calls from 800-347-2683, doing it yourself or working with a professional. You can stop Discover calls on your own by sending a cease and desist letter to the company. Alternatively, you can work with a credit repair company like fightcollections.com to stop the calls.
Here is how you can stop calls from 800-347-2683 on your own:
Check your credit report for the debt Discover is calling you about
Verify the debt with Discover
Send a cease and desist letter to Discover
If Discover is calling you over someone else’s debt, you can file a credit report dispute with the three major credit bureaus (Experian, TransUnion, and Equifax) to remove the account from your credit report. You might also want to send a cease and desist letter to Discover informing the company that it is calling the wrong person.
Here is how you can stop calls from 800-347-2683 with the help of a professional:
Gather all the necessary documentation
Send us your information
Let us handle the rest
In conclusion, calls from 800-347-2683 might be very frustrating and you might want to make them stop. Whether Discover is calling you over your debt or someone else’s debt, you have the right to send the company a cease and desist letter to stop the calls. You can also verify the debt and file a credit report dispute if the debt is not yours. Don’t let Discover calls give you a headache.
Contact us today to learn more about how you can stop the calls and repair your credit report.