Credit card or prepaid card -- Getting a credit card -- Complaint #5246060
Complaint Overview
Complaint ID: 5246060
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Florida
ZIP Code: 32209
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter from Discover bank stating that i owed {$5200.00} for this credit card on XX/XX/2022. I never applied for or received a credit card from this bank. I have received credit reports from XXXX, XXXX and XXXX and have disputed this information with them as well and they have come back to me stating it has been verified as belonging to me. I wrote a letter demanding that they show me an application that bears my signature. I did not receive anything other than a generic response stating : at that time were provided with a name and address and other identifying information. This account is not mine. I did not apply for credit with this bank and i have received a XXXX form for this debt. I will not be responsible for this account and i want it removed from my credit reports.
Frequently Asked Questions
What is Complaint #5246060 about?
Complaint #5246060 was filed against Discover Bank regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-02-21T12:00:00-05:00.
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 (Credit card or prepaid card) 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.