Debt collection -- Attempts to collect debt not owed -- Complaint #5918469
Complaint Overview
Complaint ID: 5918469
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: Florida
ZIP Code: XXXXX
Date Received: 2022-08-25T12:00:00-05:00
Date Sent to Company: 2022-08-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. I do NOT owe a debt and my ALL CAPITAL LETTERS name, aka my legal fiction XXXX, aka my XXXX XXXX XXXX XXXX, is where the credit came from via my SOCIAL SECURITY card, which is a TRUST account, making ME the ORIGINAL CREDITOR.
Frequently Asked Questions
What is Complaint #5918469 about?
Complaint #5918469 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-08-25T12:00:00-05:00.
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.