Credit reporting
Discover: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,237
- Closed with money back
- 5%
- 2023 to 2025
- 352 to 471
Servicemembers filed 6% of Discover's 20,767 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 352 in 2023 to 471 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 433 |
| Credit card | 390 |
| Debt collection | 125 |
| Credit card or prepaid card | 108 |
| Credit reporting, credit repair services, or other personal consumer reports | 86 |
By issue
| Incorrect information on your report | 280 |
| Improper use of your report | 161 |
| Problem with a purchase shown on your statement | 147 |
| Problem with a company's investigation into an existing problem | 99 |
| Attempts to collect debt not owed | 70 |
| 2023: 352 | 2024: 414 | 2025: 471 |
Which accounts, specifically
| General-purpose credit card or charge card | 619 |
| Credit reporting | 558 |
| Credit card debt | 115 |
| Checking account | 45 |
| I do not know | 20 |
What went wrong, specifically
| Credit card company isn't resolving a dispute about a purchase on your statement | 152 |
| Reporting company used your report improperly | 119 |
| Account information incorrect | 100 |
| Information belongs to someone else | 90 |
| Their investigation did not fix an error on your report | 90 |
Busiest month: December 2024, with 59 servicemember complaints. Most were submitted by web.
Most complaints came from TX (132), FL (129), GA (100) , then CA, IL, NC.
How Discover answered
| Closed with explanation | 879 | 71% |
| Closed with non-monetary relief | 302 | 24% |
| Closed with monetary relief | 56 | 5% |
Discover responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9993366
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Credit card; Getting a credit card. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9981658
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-08-31. Outcome: Closed with explanation. Complaint 9973384
If this is your problem at Discover
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Discover SCRA Benefits: Capital One's 4% Rate Cap & How to File.
Compare with credit reporting peers
- Lexisnexis 1,369 servicemember complaints; 0% with money back
- Affirm 733 servicemember complaints; 0% with money back
- TD Bank 684 servicemember complaints; 11% with money back
- Fidelity National Information Services, Inc. (Fnis) 574 servicemember complaints; 0% with money back
- Military Star card (AAFES) 545 servicemember complaints; 0% with money back
Next in the directory by volume: Chime Financial, Nelnet, PayPal.
Frequently asked questions
How many complaints did servicemembers file against Discover?
1,237 complaints tagged servicemember were received by the CFPB about DISCOVER BANK between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 352 in 2023 to 471 in 2025.
What do servicemembers complain about most at Discover?
Credit reporting or other personal consumer reports accounts for 433 of the 1,237 complaints, and the most common issue is "Incorrect information on your report" (280). Next: "Improper use of your report" (161).
Does Discover give money back when a servicemember complains?
5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 302 closed with non-monetary relief and 879 closed with an explanation only. Discover answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.