Debt collection
Discover debt collection complaints
Consumers have filed 5,382 complaints about Discover's debt collection, 288 in the last 12 months (-79%). Discover answered 100% on time and closed 31% with relief. See the whole Discover record.
Discover against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Discover | 288 | 100% | 31% |
Latest Discover debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Feb 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Feb 23, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Feb 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Feb 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Feb 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 23, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Feb 22, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Feb 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Feb 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Feb 20, 2026 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Fixed |
| Feb 20, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Feb 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to turn you in to immigration or deport you | Explained |
| Feb 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Feb 17, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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