Credit card -- Other features, terms, or problems -- Complaint #16231936
Complaint Overview
Complaint ID: 16231936
Company: Discover Bank
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Privacy issues
State: Ohio
ZIP Code: 44035
Date Received: 2025-09-28T12:00:00-05:00
Date Sent to Company: 2025-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discover Bank, now listed under XXXX XXXX XXXX, is reporting a credit card debt of more than {$16000.00} that I do not recognize. When I requested validation of this debt, the company only provided billing statements. They did not provide a signed agreement, original application, or any legal proof that I am responsible for this account. Billing statements alone are not sufficient proof. Despite this, the account continues to be reported as negative to the credit bureaus, which is causing serious harm to my credit profile. I am requesting that the company provide full legal validation of this debt or immediately remove the inaccurate reporting from all credit bureaus.
Frequently Asked Questions
What is Complaint #16231936 about?
Complaint #16231936 was filed against Discover Bank regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-09-28T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with explanation". 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 card) 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.