CFPB · Heavy filing volume
Discover Bank
44.5K CFPB complaints (heavy-volume third) · 62 states · top issue Incorrect information on your report.
Discover Bank is in the heavy-volume third with 44.5K CFPB complaints (ranks #21 of 342). Timely 100% · relief 28.6% · top product Credit card. Allegations, not findings.
- Heavy filing volume
- +3071.9% filings 2011 to 2026
CFPB relief outcome brief
CCDB company discover-bank
28.6% relief · 100% timely · 44.5K filings · Credit card
Same-product relief peers
Nearest relief peer: American Express Company (29.4% relief)
Discover Bank closes 28.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Discover Bank scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (47/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
28.6% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
47 / 100 percentile-benchmarked
71.4% of complaints closed with an explanation to the consumer
Most of Discover Bank's 44.5K filings include narrative text
42% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Discover Bank complaint mix by product
- Credit card 11K 25.8% – 31% relief
- Credit reporting 9K 19.9% – 28% relief
- Credit card 8K 19.6% – 25% relief
- Credit reporting, 6K 13.3% – 30% relief
- Debt collection 5K 12.6% – 34% relief
- Checking or 2K 5.0% – 25% relief
- Student loan 2K 3.8% – 21% relief
Heavy-volume mix: how Discover Bank's 44.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 11.1K |
| Credit reporting or other personal consumer reports | 8.5K |
| Credit card or prepaid card | 8.4K |
| Credit reporting, credit repair services, or other personal consumer reports | 5.7K |
| Debt collection | 5.4K |
| Checking or savings account | 2.1K |
| Student loan | 1.6K |
| Bank account or service | 486 |
| Money transfer, virtual currency, or money service | 376 |
| Mortgage | 286 |
| Payday loan, title loan, or personal loan | 199 |
| Payday loan, title loan, personal loan, or advance loan | 125 |
| Consumer Loan | 123 |
| Credit reporting | 69 |
| Debt or credit management | 49 |
| Prepaid card | 11 |
| Money transfers | 10 |
| Vehicle loan or lease | 3 |
| Other financial service | 2 |
Nationwide filing states for Discover Bank
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 12% of this company's filings
Discover Bank rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.8K
- +3071.9% vs 2011
Volume vs. relief
Where Discover Bank sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Discover Bank files more complaint volume than 94% of them, and closes complaints with relief more often than 89% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 44,520 · Closed with relief: 28.6%
Top States
| State | Complaints |
|---|---|
| CA | 5.3K |
| FL | 4.6K |
| NY | 4.0K |
| TX | 3.6K |
| GA | 2.6K |
| PA | 2.0K |
| IL | 2.0K |
| NJ | 1.9K |
| NC | 1.4K |
| MI | 1.2K |
| OH | 1.2K |
| MD | 1.1K |
| MA | 1.1K |
| VA | 1.0K |
| AZ | 802 |
| SC | 630 |
| TN | 618 |
| MO | 572 |
| NV | 557 |
| CO | 543 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 8.1K |
| Problem with a purchase shown on your statement | 5.2K |
| Improper use of your report | 4.2K |
| Attempts to collect debt not owed | 2.2K |
| Getting a credit card | 2.0K |
| Problem with a company's investigation into an existing problem | 1.9K |
| Other features, terms, or problems | 1.6K |
| Closing your account | 1.4K |
| Problem with a credit reporting company's investigation into an existing problem | 1.4K |
| Managing an account | 1.3K |
| Problem when making payments | 1.0K |
| Fees or interest | 957 |
| Took or threatened to take negative or legal action | 739 |
| Written notification about debt | 708 |
| Billing disputes | 650 |
| False statements or representation | 647 |
| Communication tactics | 545 |
| Dealing with your lender or servicer | 514 |
| Trouble using your card | 503 |
| Other | 469 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 57 | 94.7% |
| 2012 | 843 | 98.6% |
| 2013 | 899 | 100% |
| 2014 | 1.0K | 100% |
| 2015 | 1.5K | 100% |
| 2016 | 1.6K | 100% |
| 2017 | 1.8K | 100% |
| 2018 | 2.0K | 100% |
| 2019 | 2.1K | 100% |
| 2020 | 2.6K | 100% |
| 2021 | 3.3K | 100% |
| 2022 | 4.2K | 100% |
| 2023 | 5.2K | 100% |
| 2024 | 6.9K | 100% |
| 2025 | 8.6K | 100% |
| 2026 | 1.8K | 100% |
Source: CFPB Consumer Complaint Database
Discover Bank in the heavy-volume third
Discover Bank's 44,520 logged complaints reach a nationwide footprint - 62 states have at least one filing. 42% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-03-25. Volume lands in the heaviest third of the indexed company corpus (#21 of 342).
Discover Bank answers 100% of complaints inside the CFPB's tracked window and closes 71.4% with a written explanation. 28.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Discover Bank.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Discover Bank: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 44.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Discover Bank (#21 of 342; 100% timely; 28.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume