Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10048790
Complaint Overview
Complaint ID: 10048790
Company: Discover Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 34741
Date Received: 2024-09-05T12:00:00-05:00
Date Sent to Company: 2024-09-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute a debt that your agency is attempting to collect on behalf of Discover Financial Services , Inc. I am requesting validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). The details of the debt, as provided to me by your agency, are as follows : Original Creditor : Discover Financial Services, Inc Account Number : N/A Amount : {$5800.00} Date of Debt : XXXX I am requesting that your agency provide me with the following information : 1. Verification of the debt, including the original creditor 's name and address. 2. Verification of the amount owed, including an itemized breakdown of any fees or charges. 3. Proof that the statute of limitations on this debt has not expired. 4. Proof that your agency is licensed to collect debts in my state. Please provide proof of ownership of the debt. 5.Proof of authority to collect this debt in the state of Florida. 6.Please produce a copy of your insurance in bond in the state of Florida. 7.Please provide proof of how your company assess this debt. 8.Please provide credit history. 9.Proof of the original contract bearing my signature. 10.Please provide chain of title. 11.Does this company own the debt or is it a signed contract. 12.Please provide all letter correspondence sent to me regarding this debt. 13.Please provide last payment date on this debt. I am also requesting that all collection activities be ceased until the debt has been validated. Please provide this information to me in writing within 30 days of receiving this letter. Failure to comply with this request may result in legal action being taken against your agency. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10048790 about?
Complaint #10048790 was filed against Discover Bank regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-09-05T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.