Debt collection -- Attempts to collect debt not owed -- Complaint #4508338
Complaint Overview
Complaint ID: 4508338
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 95677
Date Received: 2021-07-01T12:00:00-05:00
Date Sent to Company: 2021-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I fell for a student loan scammer, it was my first time applying for a loan and I gave the scammer all of my information, social, bank information ( password/ password ) social, address and phone number, I'm a XXXX living in california and I received debts from discover and I called them and told them and I filed a identity theft with the XXXX, they open the credit card since 2017 and been using it using my address, I added an identity theft on my credit report when i found out, Discover even send a lawsuit notice to my house, I'm XXXX years of age and I only had one credit card because I never really had a job and my mom is supporting me, {$4000.00} something dollars on my name, my credit is destroyed because of that, they kept saying it is valid because my information is used, which i kept telling them it is not true, they sent me statement none of which was made by me, I need this resolve beca and I recently just got approved for {$300.00}, one is close and one is open use of this i can not get a student loan or any good credit because a XXXX scammer decided to ruined me and discover will not help at all I even keep the scammer number, which is XXXX this is not fair, I never thought to check my credit because I had to learn that when I unexpected started receiving debt bills and calls from discover
Frequently Asked Questions
What is Complaint #4508338 about?
Complaint #4508338 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-01T12:00:00-05:00.
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 (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.