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 |
|---|---|---|---|
| Jan 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 7, 2026 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Fixed |
| Jan 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jan 7, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 6, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Jan 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 3, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jan 3, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Jan 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jan 2, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 2, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 1, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 1, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Fixed |
| Dec 31, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 30, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 28, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 28, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 26, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 25, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Dec 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 23, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 23, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 23, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 22, 2025 | 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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