Cancellation service N°1 in United States
Contract number:
To the attention of:
Cancellation Department – Discover Identity Theft Protection
P.O. Box 309
63166-0309 St. Louis
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Discover Identity Theft Protection service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
18/01/2026
Cancellation Discover Identity Theft Protection: Easy Method
What is Discover Identity Theft Protection
Discover Identity Theft Protection is a monitoring and restoration service offered through Discover that notifies members of potential identity threats, provides identity restoration support and includes identity theft insurance limits. The publicly available pricing and feature set appears aimed at U.S. customers and covers adults (and optional children) with credit monitoring, dark‑web alerts and restoration assistance.
How to cancel Discover Identity Theft Protection
Cancellation methods vary by how you enrolled. U.S. Discover account holders can usually cancel online or by phone; separate Canadian offerings (branded as Identity Protect / identityprotect.ca) require phone or written mail and do not accept cancellation by email. Follow one of these routes to cancel and keep proof of your request.
- Online (Account Center): Sign in to your Discover account, open "Shortcuts" and select "Identity Theft Protection" or go to the "Security" tab on the dashboard and follow the cancellation prompts to end the subscription.
- Phone: Call Discover customer support at 1‑800‑347‑3089 and request cancellation. Have your account information and billing details ready.
- Registered mail (recommended for Canada / proof): Send a written cancellation by registered mail (raccomandata A/R) to Discover Financial Services, P.O. Box 309, St. Louis, MO 63166‑0309. For Identity Protect Canada, written mail or phone is required; email cancellations are not accepted.
- App store subscriptions: There are no clear references that Discover identity protection is managed as an Apple App Store or Google Play subscription; if you subscribed via a store, check your Apple/Google subscriptions and your credit card/bank statements for the billing source.
What happens when you cancel
When you cancel, recurring billing should stop at the end of the billing period or per the provider's refund policy. Cancellation typically ends future payments but may not immediately remove all account access - the provider's terms indicate that cancellation does not necessarily remove basic membership access. Any one‑off transactional purchases (for example, a single credit report purchase) are generally treated as final and may not be reversed.
Will I get a refund?
Refund policies differ by offering and geography. For Discover's general identity theft protection (U.S. offers), cancellations made mid‑month may qualify for a prorated refund for the unused portion of the billing cycle. However, for the Canadian "Identity Protect" (identityprotect.ca) variant, terms say cancellation stops future recurring payments but do not provide prorated refunds or credits, even for partial months. One‑time transactional services are typically non‑refundable.
Discover Identity Theft Protection plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Discover Identity Theft Protection | US$15.00/mo | Monthly | Covers 1 adult and up to 10 children; optional second adult for another US$15; credit monitoring, identity restoration, dark web alerts, up to US$1M insurance |
Your consumer rights in Canada
In Canada, the Identity Protect offering (identityprotect.ca) requires cancellation via phone or written mail; email cancellation is not accepted under the service terms. The Canadian variant's terms state there are no prorated refunds or partial‑month credits upon cancellation and that one‑off transactional purchases are final. Keep written proof of cancellation and any correspondence; if you experience billing issues after cancellation, you can contact your card issuer to dispute unauthorized charges and consider escalating to provincial consumer protection offices or the Canadian Anti‑Fraud Centre.
Customer experiences
Public feedback for Identity Protect Canada and Discover's identity protection shows limited positive reviews and several negative reports. Common complaints include difficulty cancelling subscriptions, continued charges after cancellation requests, poor customer service response, and trial‑period mischarges. Some users also reported that alerts led back to general account pages without useful, actionable detail. Others on forums advised that the service did not justify the cost.
Documentation checklist
- Account number or member ID and the email address tied to the account
- Full name, billing address, and phone number on the account
- Last 4 digits of the payment card used for billing (do not send full card number unless required by secure channel)
- Date of cancellation request, the method used (phone, online, registered mail) and a copy or tracking number of any registered mail
- Copies/screenshots of billing statements showing charges you want reversed and any prior cancellation correspondence
Common mistakes
Users commonly try to cancel through channels the provider does not accept (for example, sending email when the terms require phone or registered mail), forget to keep proof of cancellation, or assume app‑store subscriptions apply when the billing is handled directly by Discover. Another frequent error is expecting an automatic prorated refund when the Canadian terms explicitly state no partial refunds. Always confirm the billing source and retain records (call reference numbers, screenshots, registered‑mail tracking) in case you need to dispute later.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (Account Center) | May be prorated (U.S. offers); Identity Protect Canada typically no prorate | Easy |
| Phone | May be prorated (U.S. offers); Identity Protect Canada typically no prorate | Moderate (possible wait times, verification) |
| Registered mail (written request) | Same policy applies; provides strong proof of request | Low - Moderate (slower processing but reliable proof) |
| App Store / Google Play | Not clearly applicable; no specific Discover store‑subscription references found | N/A (verify billing source) |
After cancelling
After you cancel, monitor your bank and card statements for any continuing charges and keep copies of cancellation confirmation and any correspondence. If charges continue, contact your card issuer to dispute the charge and provide your cancellation proof. For additional assistance or to check service information, see the Discover site: Discover and the Canadian offering: Identity Protect Canada. If you suspect fraud or receive unwanted charges, you may also contact the Canadian Anti‑Fraud Centre: Canadian Anti‑Fraud Centre.
Address
Discover Financial Services P.O. Box 309 St. Louis, MO 63166‑0309