Debt collection -- Attempts to collect debt not owed -- Complaint #4880242
Complaint Overview
Complaint ID: 4880242
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: Massachusetts
ZIP Code: 02149
Date Received: 2021-11-06T12:00:00-05:00
Date Sent to Company: 2021-11-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.
Frequently Asked Questions
What is Complaint #4880242 about?
Complaint #4880242 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-11-06T12:00:00-05:00.
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.