Who is complaining aboutDISCOVER BANK?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
3,577
8,772 in the 12 months before · 44,503 since 2011 · 0.1% of all complaints the CFPB received
For its size
No public size denominator
Discover Bank is no longer an active institution in the FDIC file: after its acquisition by Capital One its assets are reported inside Capital One's filing, while the CFPB still records complaints under the Discover Bank name. No size figure is shown for that reason.
In the 12 months to 30 Sep 2026 the CFPB received 3,577 complaints naming DISCOVER BANK, down 59% on the 8,772 of the 12 months before. Since 2011 the total is 44,503.
Discover Bank is no longer an active institution in the FDIC file: after its acquisition by Capital One its assets are reported inside Capital One's filing, while the CFPB still records complaints under the Discover Bank name. No size figure is shown for that reason. A company with more customers can be expected to receive more complaints than one with fewer.
42.8% of the complaints in that period fall under the CFPB product category “Credit card”, followed by “Credit reporting or other personal consumer reports” at 37.7%. The issue selected most often was “Incorrect information on your report” (27.2%).
How the company's responses were recorded over the 12 months: 78.8% closed with an explanation, 16.2% closed with non-monetary relief, 4.9% closed with monetary relief. 100% of responses were marked timely; the median among the 20 companies whose complaints mainly concern “Credit card” is 99.9%.
Among those 20 peer companies the median received 946 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | DISCOVER BANK | Peer median (20 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 3,577 | 946 | 6,938,056 |
| Change on the 12 months before | -59% | 15% | 45% |
| Responses marked timely | 100% | 99.9% | 99.6% |
| Closed with monetary or non-monetary relief | 21.2% | 11.6% | 31.6% |
Peers are the 20 companies on this site whose largest complaint category is Credit card and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Credit card1,531 · 42.8%
- Credit reporting or other personal consumer reports1,349 · 37.7%
- Debt collection410 · 11.5%
- Checking or savings account187 · 5.2%
- Money transfer, virtual currency, or money service42 · 1.2%
- All other categories58 · 1.6%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 973 | 27.2% |
| Problem with a purchase shown on your statement | 718 | 20.1% |
| Problem with a company's investigation into an existing problem | 347 | 9.7% |
| Improper use of your report | 223 | 6.2% |
| Attempts to collect debt not owed | 137 | 3.8% |
| Managing an account | 125 | 3.5% |
| Getting a credit card | 124 | 3.5% |
| Other features, terms, or problems | 118 | 3.3% |
| Took or threatened to take negative or legal action | 107 | 3% |
| Fees or interest | 96 | 2.7% |
| Other CFPB issue categories | 609 | 17% |
Credit card
1,531 complaints in the last 12 months (42.8% of this company's total); 2,672 in the 12 months before. That is 1.7% of all complaints in the category nationally. 20.8% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 718 | 46.9% |
| Incorrect information on your report | 142 | 9.3% |
| Getting a credit card | 124 | 8.1% |
| Other features, terms, or problems | 118 | 7.7% |
| Fees or interest | 96 | 6.3% |
| Other CFPB issue categories | 333 | 21.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| General-purpose credit card or charge card | 1,522 | 99.4% |
| Store credit card | 9 | 0.6% |
Credit reporting or other personal consumer reports
1,349 complaints in the last 12 months (37.7% of this company's total); 4,066 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 19.1% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 823 | 61% |
| Problem with a company's investigation into an existing problem | 286 | 21.2% |
| Improper use of your report | 211 | 15.6% |
| Credit monitoring or identity theft protection services | 16 | 1.2% |
| Problem with fraud alerts or security freezes | 7 | 0.5% |
| Other CFPB issue categories | 6 | 0.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 1,341 | 99.4% |
| Other personal consumer report | 8 | 0.6% |
Debt collection
410 complaints in the last 12 months (11.5% of this company's total); 1,346 in the 12 months before. That is 0.1% of all complaints in the category nationally. 31% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 137 | 33.4% |
| Took or threatened to take negative or legal action | 107 | 26.1% |
| False statements or representation | 83 | 20.2% |
| Written notification about debt | 55 | 13.4% |
| Communication tactics | 17 | 4.1% |
| Other CFPB issue categories | 11 | 2.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit card debt | 242 | 59% |
| I do not know | 163 | 39.8% |
| Other debt | 5 | 1.2% |
Checking or savings account
187 complaints in the last 12 months (5.2% of this company's total); 447 in the 12 months before. That is 0.2% of all complaints in the category nationally. 23% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 125 | 66.8% |
| Problem with a lender or other company charging your account | 32 | 17.1% |
| Closing an account | 10 | 5.3% |
| Opening an account | 8 | 4.3% |
| Problem caused by your funds being low | 8 | 4.3% |
| Other CFPB issue categories | 4 | 2.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 134 | 71.7% |
| Savings account | 32 | 17.1% |
| CD (Certificate of Deposit) | 11 | 5.9% |
| Other banking product or service | 10 | 5.3% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation2,820 · 78.8%
- Closed with non-monetary relief580 · 16.2%
- Closed with monetary relief177 · 4.9%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| California | 393 | 11% |
| Florida | 364 | 10.2% |
| Texas | 357 | 10% |
| New York | 274 | 7.7% |
| Georgia | 239 | 6.7% |
| Illinois | 191 | 5.3% |
| Pennsylvania | 180 | 5% |
| New Jersey | 152 | 4.2% |
| North Carolina | 128 | 3.6% |
| Maryland | 102 | 2.9% |
| Michigan | 82 | 2.3% |
| Ohio | 79 | 2.2% |
Top 12 of 50 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Credit card, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about DISCOVER BANK?
3,577 in the 12 months to 30 Sep 2026 (8,772 in the 12 months before that) and 44,503 since 2011. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
Discover Bank is no longer an active institution in the FDIC file: after its acquisition by Capital One its assets are reported inside Capital One's filing, while the CFPB still records complaints under the Discover Bank name. No size figure is shown for that reason. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
42.8% of complaints in the last 12 months are filed under “Credit card”. The issues selected most often were “Incorrect information on your report” (27.2%), “Problem with a purchase shown on your statement” (20.1%), “Problem with a company's investigation into an existing problem” (9.7%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does DISCOVER BANK respond to complaints?
78.8% were closed with an explanation, 16.2% with non-monetary relief and 4.9% with monetary relief; 100% of responses were timely (peer median 99.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Discover Bank is no longer an active institution in the FDIC file: after its acquisition by Capital One its assets are reported inside Capital One's filing, while the CFPB still records complaints under the Discover Bank name. No size figure is shown for that reason. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.