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

CFPB complaint data Grade D 5,382 complaints

Discover Bank - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Complaints by issue type

What consumers report about Discover Bank

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #255

  • VOL 5,382
  • GRADE D
  • 12MO 775
  • STATES 53
  • TIMELY 100%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #31
  • COMPOSE #255

Volume peers

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

ProCollect, Inc.ProCollect, Inc.4,864American Express CompanyAmerican Express Company5,234Discover Bank (this)Discover Bank (this)5,382Sunrise Credit Services, IncSunrise Credit Services, Inc5,396T.S. HoldingsT.S. Holdings5,475
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 →

How the 5,382 complaints break down

Every complaint issue type on record for Discover Bank, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.1/100
Discover Bank

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
5,382
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#31 volume
#255 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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%
100%
91%
Consumer-dispute ratelower is better
16%
10%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Discover Bank a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 5%10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) Discover Bank vs. 8 similar-volume peers, by response speed and dispute rate Discover BankSUNRISE CREDIT SERVICES, INCAMERICAN EXPRESS COMPANYProCollect, Inc.FAIR COLLECTIONS & OUTSOURCING, INC.CAVALRY INVESTMENTS, LLCNCB Management Services Inc.Diversified Consultants, Inc.Aldous & Associates, PLLC
Source: CFPB Consumer Complaint Database

Discover Bank's complaint volume in context

Discover Bank vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

5,382 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Discover Bank 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Discover Bank

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.