Debt collection -- Attempts to collect debt not owed -- Complaint #7281362
Complaint Overview
Complaint ID: 7281362
Company: Discover Bank
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Alabama
ZIP Code: 350XX
Date Received: 2023-07-20T12:00:00-05:00
Date Sent to Company: 2023-07-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. XXXX. Account number and date of debt inception. XXXX. Detailed breakdown of the claimed amount, including any interest or fees. XXXX. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Frequently Asked Questions
What is Complaint #7281362 about?
Complaint #7281362 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-07-20T12:00:00-05:00.
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.