Debt collection -- Written notification about debt -- Complaint #7183185
Complaint Overview
Complaint ID: 7183185
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Michigan
ZIP Code: 490XX
Date Received: 2023-06-28T12:00:00-05:00
Date Sent to Company: 2023-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX bought a debt from Discover Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to Discover in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law. The debt collector also violated the contract agreement with Discover and is attempting to use the legal system as a scare tactic even when the contract with Discover states neither party can use the court system. Discover claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to Discover. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Frequently Asked Questions
What is Complaint #7183185 about?
Complaint #7183185 was filed against Discover Bank regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-06-28T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.