Debt collection -- Took or threatened to take negative or legal action -- Complaint #13499176
Complaint Overview
Complaint ID: 13499176
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Illinois
ZIP Code: 60462
Date Received: 2025-05-13T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB Complaint Against Discover Financial Services Complaint Summary : I am filing this complaint against Discover Financial Services for failure to comply with the Fair Credit Reporting Act ( FCRA ) and for furnishing inaccurate or unverifiable information to XXXX XXXX XXXX XXXX Discover Financial Services is reporting a tradeline on my XXXX XXXX XXXX XXXX credit file that is inaccurate, not verified with proper documentation, and was confirmed as verified without disclosing any basis of proof or method of verification. I have no knowledge of this account, have disputed it, and have asked repeatedly for proof that it belongs to me. Violations Committed by Discover Financial Services : 1. Failure to conduct a reasonable investigation as required under FCRA 623 ( b ) ( 1 ) after receiving notice of dispute from XXXX XXXX XXXX ; 2. Failure to provide documentation or original source proof that I opened or owe the alleged account ; 3. Continuing to furnish disputed information that it either knows or should reasonably know is inaccurate in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Providing incomplete or misleading results of investigation to XXXX XXXX XXXX XXXX and CFPB without proper validation ; 5. Acting in bad faith by confirming the account without resolving the substance of the dispute. Harm Suffered : Due to this account being reported and verified by Discover : - My credit score has been harmed ; - I have been denied credit and housing ; - My reputation has been damaged ; - I am suffering ongoing financial and emotional harm due to the false credit reporting. Requested Resolution : I respectfully request that the CFPB : 1. Investigate Discover Financial Services failure to verify or correct disputed account information ; 2. Require Discover to produce the original contract, application, or signature that links this account to me ; 3. Require Discover to cease furnishing data that it can not independently verify ; 4. Direct Discover to delete the tradeline from XXXX XXXX XXXX XXXX ( and any other CRA, if applicable ) if it can not be validated with proper documentation ; 5. Impose any enforcement penalties as allowed under the FCRA and CFPB rules. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13499176 about?
Complaint #13499176 was filed against Discover Bank regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-05-13T12:00:00-05:00.
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 (Debt collection) 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.