Debt collection -- Attempts to collect debt not owed -- Complaint #5052858
Complaint Overview
Complaint ID: 5052858
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: New Jersey
ZIP Code: 087XX
Date Received: 2021-12-29T12:00:00-05:00
Date Sent to Company: 2021-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is the sixth time that I am filing a complaint about the same issue. I have also filed a complaint to the Office of Comptroller of the Currency as a result of the noncompliance and the abuse done to me as the consumer. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account. Pursuant to Civil Liability sections 15 U.S. Code 1640, 15 U.S. Code 1611, and 15 U.S. Code 1692k, Discover is liable to compensate me with monetary remedy.
Frequently Asked Questions
What is Complaint #5052858 about?
Complaint #5052858 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-29T12:00:00-05:00.
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.