Debt collection -- Attempts to collect debt not owed -- Complaint #5139973
Complaint Overview
Complaint ID: 5139973
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77494
Date Received: 2022-01-23T12:00:00-05:00
Date Sent to Company: 2022-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Several Credit cards were stolen in 2017 including Discover. I filed sheriffs reports regarding the credit card theft together with theft from my rural mailbox. I notified Discover who denies to this date. I have repeatedly sent all information including sheriffs reports and arrest information on the person who impersonated and falsely pretended to Discover. But Discover continues to ignore and deny. The credit card limit was {$7700.00} and Discover even allowed the thief to exceed the limit to {$12000.00}. Discover continues to adversely report and now adds insult to injury. See attached 1099. Discover charged off and I gave up and decided to wait for Discover to fall off my report on its own. But now Discover is claiming I benefited from the theft when I received {$0.00} benefit or anything for all the fraudulent purchases. This is wrong and now burdens me with more work. In addition to complaints I now have to file the necessary IRS forms to deny the fraudulent 1099.
Frequently Asked Questions
What is Complaint #5139973 about?
Complaint #5139973 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-01-23T12:00:00-05:00.
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.