Total CFPB complaints
5,391
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 5,391 complaints
DISCOVER BANK — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about DISCOVER BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,132 complaints
- Written notification about debt 665
Written notification about debt
665 complaints
- Took or threatened to take negative or legal action 594
Took or threatened to take negative or legal action
594 complaints
- False statements or representation 543
False statements or representation
543 complaints
- Communication tactics 381
Communication tactics
381 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about DISCOVER BANK?
DISCOVER BANK has accumulated 5,391 total CFPB complaints across 53 states, with 1,149 filed in the most recent 12 months against 4,242 historical complaints before that window. The trailing-12-month volume represents 21.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by California with 611 and Texas with 558, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places DISCOVER BANK in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,149
21.3% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How DISCOVER BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 31.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does DISCOVER BANK compare to its peers?
DISCOVER BANK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,132 (%)
False statements or representation543 (%)
Written notification about debt665 (%)
Communication tactics381 (%)
Took or threatened to take negative or legal action594 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 1,053 |
| Attempts to collect debt not owed | Debt is not yours | 793 |
| False statements or representation | Attempted to collect wrong amount | 543 |
| Written notification about debt | Didn't receive enough information to verify debt | 463 |
| Communication tactics | Frequent or repeated calls | 381 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 337 |
| Attempts to collect debt not owed | Debt was paid | 286 |
| Written notification about debt | Didn't receive notice of right to dispute | 202 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 130 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 127 |
Where do complaints against DISCOVER BANK come from?
The states where consumers have filed the most CFPB complaints against DISCOVER BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against DISCOVER BANK
Across 53 states with at least one filing
- California
California
611 complaints
- Texas
Texas
558 complaints
- Florida
Florida
532 complaints
- New York
New York
419 complaints
- Georgia
Georgia
381 complaints
- Pennsylvania 243
Pennsylvania
243 complaints
- North Carolina 219
North Carolina
219 complaints
- Illinois 208
Illinois
208 complaints
Frequently Asked Questions
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 5,391 complaints filed with the CFPB.
Are complaints against DISCOVER BANK increasing or decreasing? ▼
Complaints against DISCOVER BANK are rising. The company received 1,149 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is DISCOVER BANK's reputation grade? ▼
DISCOVER BANK has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if DISCOVER BANK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If DISCOVER BANK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |