Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5619432
Complaint Overview
Complaint ID: 5619432
Company: Discover Bank
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Florida
ZIP Code: 33056
Date Received: 2022-05-31T12:00:00-05:00
Date Sent to Company: 2022-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation. Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.
Frequently Asked Questions
What is Complaint #5619432 about?
Complaint #5619432 was filed against Discover Bank regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-05-31T12:00:00-05:00.
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.