Debt collection -- Attempts to collect debt not owed -- Complaint #5091393
Complaint Overview
Complaint ID: 5091393
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: 2022-01-10T12:00:00-05:00
Date Sent to Company: 2022-01-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is now the seventh time I am reaching out about this same issue. There is a remaining balance on the credit card that DISCOVER closed because I had filed a dispute for identity theft against them. Remove and delete the remaining balance. There was no reason to close the card as I had exceptional and on time payments on the card for XXXX years. As a result, I got cut off from credit that I had been using to make several everyday payments that I was no longer able to make because my credit card was closed. Because every extension of credit originates from my social security, also known as my open end credit plan, I am the original creditor of every extension of credit and debt obligation. Therefore, I am deferring the debt back to DISCOVER who is misrepresenting me, the original creditor. DISCOVER claiming that they are the original creditor is XXXX, XXXX, and misrepresents me as a natural person and the original creditor who is giving DISCOVER life as a corporation. Pursuant to 15 U.S. Code 1692, " means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. '' Pursuant to 15 U.S. Code 1692a, " The term 'debt ' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. '' Notice, debt is an " alleged '' obligation. To " allege '' means to claim as true with or without proof. Pursuant to 15 U.S. Code 1692a, " The term 'consumer ' means any natural person obligated or allegedly obligated to pay. '' Again, as my social security is where all credit extensions and debt obligations originate, I am the original creditor. I am now deferring the debt back to DISCOVER. Pursuant to 15 U.S. Code 1692k, " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; '' As DISCOVER has violated me, deceived, and abused me as a consumer, original creditor, and natural person, they are liable to compensate me for the violations made. Congress protects me under these laws as a natural person against corporations who abuse consumers like DISCOVER. Please remove the remaining balance from my account, report positively to consumer reporting agencies about the deleted debt, and compensate me in an amount equal to the sum of damages done to me.
Frequently Asked Questions
What is Complaint #5091393 about?
Complaint #5091393 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-10T12:00:00-05:00.
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.