Debt collection -- Attempts to collect debt not owed -- Complaint #6191113
Complaint Overview
Complaint ID: 6191113
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 77802
Date Received: 2022-11-10T12:00:00-05:00
Date Sent to Company: 2022-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Original Creditor : DISCOVER FINANCIAL SVCS ( Discover Card ) - who hired collection agency Attorney for Collections : XXXX XXXX XXXX of XXXX, TX XXXX ( new name of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff XXXX XXXX XXXX XXXX Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by XXXX et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME DISCOVER BANK debt. This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. CAN THEY REALLY DO THAT??
Frequently Asked Questions
What is Complaint #6191113 about?
Complaint #6191113 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-11-10T12:00:00-05:00.
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.