What is the most common complaint against Discover Bank?

The most common issue consumers report about Discover Bank is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 5,382 complaints filed with the CFPB.

Are complaints against Discover Bank increasing or decreasing?

Complaints against Discover Bank are falling. The company received 775 complaints in the last 12 months, showing improvement over prior periods.

What is Discover Bank's reputation grade?

Discover Bank has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Discover Bank respond to consumer complaints?

Discover Bank has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Discover Bank operate?

Discover Bank has received CFPB complaints from consumers in 53 states, with the most complaints from California (611 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Discover Bank - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2,226
Took or threatened to take negative or legal action

734
Written notification about debt

708
False statements or representation

646
Communication tactics

545
Cont'd attempts collect debt not owed

154

Data updated September 2026

CFPB complaint disposition

CCDB record discover-bank Discover Bank

Grade D · 5,382 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #31 · compose #3711

VOL 5,382
GRADE D
12MO 775
STATES 53
TIMELY 100%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #31
COMPOSE #3,711

Volume peers

Nearest volume peer: Sunrise Credit Services, Inc (5,396 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Discover Bank's 5,382 CFPB complaints sit next to Sunrise Credit Services, Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Discover Bank spreads filings across 53 states - California leads at only 11.4%

Despite a broad state map, Discover Bank still sits volume #31 against composite #3,711 - the two RankMaps diverge by 3,680 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 11.4% across 53 states
Even monthly load: Peak under 8%; Highest month 2025-01 at 6.4% (2,312 filings)
Divergent corpus ranks: #31 volume; #3,711 composite; Cleanest-composite ladder is 3,680 places worse than volume

How does Discover Bank compare to its peers?

How does DISCOVER BANK compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

DISCOVER BANK National average

Complaints (last 12 mo)lower is better

775

2,125

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

16%

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,226
Took or threatened to take negative or legal action	734
Written notification about debt	708
False statements or representation	646
Communication tactics	545
Cont'd attempts collect debt not owed	154
Disclosure verification of debt	141
Threatened to contact someone or share information improperly	100
Improper contact or sharing of info	59
Taking/threatening an illegal action	59

Where do complaints against Discover Bank come from?

Discover Bank's own per-state count, not a national baseline.

California

611
Texas

560
Florida

532
New York

421
Georgia

381
Pennsylvania

244
North Carolina

216
Illinois

208

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Discover Bank: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 5,382.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Discover Bank: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.