Discover Bank Consumer Complaints
Discover Bank has received 44,504 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 44,504 total complaints on file with the CFPB.
- Most complaints are about Credit card (11,046).
- Timely response rate: 100.0%.
- Consumer disputed rate: 20.7% of resolved complaints.
Complaints by Product
The following table shows how complaints against Discover Bank break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit card | 11,046 | 24.8% |
| Credit reporting or other personal consumer reports | 8,527 | 19.2% |
| Credit card or prepaid card | 8,396 | 18.9% |
| Credit reporting, credit repair services, or other personal consumer reports | 5,669 | 12.7% |
| Debt collection | 5,382 | 12.1% |
| Checking or savings account | 2,131 | 4.8% |
| Student loan | 1,613 | 3.6% |
| Bank account or service | 487 | 1.1% |
| Money transfer, virtual currency, or money service | 376 | 0.8% |
| Mortgage | 286 | 0.6% |
| Payday loan, title loan, or personal loan | 199 | 0.4% |
| Payday loan, title loan, personal loan, or advance loan | 125 | 0.3% |
| Consumer Loan | 123 | 0.3% |
| Credit reporting | 69 | 0.2% |
| Debt or credit management | 49 | 0.1% |
| Prepaid card | 11 | 0.0% |
| Money transfers | 10 | 0.0% |
| Vehicle loan or lease | 3 | 0.0% |
| Other financial service | 2 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Discover Bank.
Company Response Breakdown
When consumers file complaints, Discover Bank responds in one of several ways. The breakdown below shows how Discover Bank has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 31,690 | 71.2% |
| Closed with non-monetary relief | 9,685 | 21.8% |
| Closed with monetary relief | 2,717 | 6.1% |
| Closed without relief | 205 | 0.5% |
| Closed with relief | 111 | 0.2% |
| In progress | 93 | 0.2% |
| Closed | 3 | 0% |
Complaints by State
Top states where consumers have filed complaints against Discover Bank.
| State | Complaints |
|---|---|
| California | 5,331 |
| Florida | 4,604 |
| New York | 3,951 |
| Texas | 3,602 |
| Georgia | 2,613 |
| Pennsylvania | 2,009 |
| Illinois | 2,003 |
| New Jersey | 1,876 |
| North Carolina | 1,387 |
| Michigan | 1,184 |
| Ohio | 1,181 |
| Maryland | 1,132 |
| Massachusetts | 1,064 |
| Virginia | 1,013 |
| Arizona | 803 |
| South Carolina | 630 |
| Tennessee | 618 |
| Missouri | 572 |
| Nevada | 558 |
| Colorado | 542 |
Your Rights
What to do if you have a complaint against Discover Bank
- Contact Discover Bank directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Discover Bank have?
Discover Bank has 44,504 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Discover Bank?
The most common issue reported is Incorrect information on your report with 8,106 complaints.
-
How do I file a complaint against Discover Bank?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Discover Bank respond to complaints on time?
Discover Bank has a 100.0% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.