Debt collection -- False statements or representation -- Complaint #6626384
Complaint Overview
Complaint ID: 6626384
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Missouri
ZIP Code: 63043
Date Received: 2023-02-27T12:00:00-05:00
Date Sent to Company: 2023-02-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had an attorney who represented me in a collection case with Discover. He entered into an agreement with XXXX XXXX XXXX in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of 2019. I noticed that none of my payments was recorded by Discover, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid XXXX XXXX XXXX? Why hasn't the Discover account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want Discover to recognize the payments and the debt to be satisfied as per our agreement.
Frequently Asked Questions
What is Complaint #6626384 about?
Complaint #6626384 was filed against Discover Bank regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2023-02-27T12:00:00-05:00.
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.