December 2020 Complaints Against Discover

Compiled from Public Data by FairShake

If you have an issue with Discover, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2020, the CFPB received 2580 complaints against Discover. Discover ranked Number 15 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: December 15, 2020

Company Official Name: DISCOVER BANK

State: AZ

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
Discover Bank, by and through its counsel, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {00.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX.
The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt.

Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng
aging in the business of banking in the state of Arizona by the use of the word ” bank ” in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX.
Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312.

5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result.

6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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