Card issuer · complaint record
Discover complaints
Filed under DISCOVER BANK
Consumers have filed 44,503 complaints about Discover since 2011, 2,745 of them in the last 12 months (-68% on the year before). It answered 100% on time and closed 20% with relief for the customer - less often than a typical card issuer. The most common problem is incorrect information on your report. It is the 8th most complained-about of 52 credit card companies this year.
Good response record. How it works
- Complaints on record
- 44,503
- Last 12 months
- 2,745
- Answered on time
- 100%
- Closed with relief
- 20%
- Last 30 days
- 0
- Rank
- #8 of 52
Since December 2011
-68% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Mar 25, 2026
Most complained-about credit card companies
Discover complaints by month
The busiest month was January 2025 (911 complaints). Complaints in the last 12 months are down 68% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Discover answered last 12 months
- Closed with monetary relief1425.2%
- Closed with non-monetary relief40014.6%
- Closed with explanation2,20380.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers15/4019.7% closed with relief
- Complaint trend15/15-68% vs last year
What Discover complaints are about
Top Discover problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 3,411
- Account information incorrect 2,097
- Account status incorrect 1,986
- Old information reappears or never goes away 254
- Information is missing that should be on the report 165
- Personal information incorrect 121
Where Discover complaints come from
Most complaints: California (5,331), Florida (4,604), New York (3,953), Texas (3,602), Georgia (2,613).
Discover compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Goldman Sachs Bank (Apple Card, Marcus)Credit cards | 75 | 6,413 | B |
| 2 | Barclays USCredit cards | 55 | 5,690 | C |
| 3 | DiscoverCredit cards | 75 | 2,745 | B |
| 4 | CLGF Holdco 1Credit cards | 69 | 2,483 | B |
| 5 | RobinhoodCredit cards | 40 | 1,795 | D |
| 6 | AtlanticusCredit cards | 89 | 1,645 | A |
| 7 | AvantCredit cards | 49 | 952 | D |
| 8 | Continental FinanceCredit cards | 57 | 836 | C |
Compare side by side: Discover vs Goldman Sachs Bank · Discover vs Barclays US · Discover vs CLGF Holdco 1 · Discover vs Robinhood
What people say about Discover
All experiencesNo experiences with Discover yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Discover complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Mar 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Mar 25, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 25, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Fixed |
| Mar 25, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 25, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 24, 2026 | Debt relief & credit repair | Unauthorized withdrawals or charges | Explained |
| Mar 24, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Money back |
| Mar 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 24, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | Explained |
| Mar 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Discover
How many complaints does Discover have?
Discover has 44,503 complaints on record since December 2011, including 2,745 in the last 12 months and 0 in the last 30 days. That makes it number 61 of every company by complaints this year.
Does Discover respond to complaints?
Yes. Discover answered 100% of its complaints on time (within 15 days) and closed 20% with relief - money back or a fix; 5.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 75/100 (grade B).
What do people complain about most with Discover?
The most common problems are incorrect information on your report (8,106), problem with a purchase shown on your statement (5,235), problem with a company's investigation into an existing problem (1,858).
Is Discover legit?
Discover is a real company with a public complaint record: consumers have complained about it 44,503 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Discover legit? for the signals, red flags and how to protect yourself.
Are complaints about Discover going up or down?
Down. There were 2,745 complaints in the last 12 months against 8,669 in the 12 before (-68%). See every month.
How do I file a complaint against Discover?
Complain to Discover in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Discover complaints come from?
Most come from California (5,331), Florida (4,604), New York (3,953). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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