Debt collection -- False statements or representation -- Complaint #4657562
Complaint Overview
Complaint ID: 4657562
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 90005
Date Received: 2021-08-24T12:00:00-05:00
Date Sent to Company: 2021-08-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, this is the following complaint of XXXX ( complaint ID ) which is Discover Card. There is no progress at all and I do not know how to update the complaint so I am making the new Complain. They told me that I made a purchase/payment in XX/XX/2020. However, I have been explaining this to Discover and also to XXXX multiple times that it is impossible to make because I closed the credit card in XX/XX/2020. Also, they guided me through everything so I just followed that how I got the account closed confirmation email. ( I attached closed confirmation email for the last complaint ) However, they were keep insisted on me that I made that transaction in XX/XX/2020. Therefore, I asked them the transaction detail ( not just the balance but the transaction detail ) about it before paying. I explained to them multiple times that it is unfair to say that I just need to make this payment without even knowing what happened because I was not even in the U.S and closed the account. ( I can provide the flight history as well ). XXXX agent told me that they will send the transaction details by mail and also email as well. Sadly, I have been lied again and again by the corporate. I have been doing this for three months now and when I got a call from XXXX yesterday, they did not even have an updated address when I provided multiple times from XXXX through XXXX. Also, I just talked to the Manager at XXXX and they were saying the same thing that they want me to just pay the amount without even showing me the transaction details. I think this is an obvious scam especially when I actively engaged and even call back to XXXX. Also, they said they will provide me the information but now they change the words and they just want me to pay without giving me the information. I told them multiple times that I want the transaction details, not just the balance. Even worse, I have been doing this for three months now and I can not even describe how frustrated I am.
Frequently Asked Questions
What is Complaint #4657562 about?
Complaint #4657562 was filed against Discover Bank regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-08-24T12:00:00-05:00.
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.