Debt collection -- Attempts to collect debt not owed -- Complaint #5084704
Complaint Overview
Complaint ID: 5084704
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: Tennessee
ZIP Code: 37421
Date Received: 2022-01-07T12:00:00-05:00
Date Sent to Company: 2022-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.
Frequently Asked Questions
What is Complaint #5084704 about?
Complaint #5084704 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-07T12:00:00-05:00.
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.