Debt collection -- Attempts to collect debt not owed -- Complaint #9153980
Complaint Overview
Complaint ID: 9153980
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 922XX
Date Received: 2024-06-02T12:00:00-05:00
Date Sent to Company: 2024-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint regarding multiple fraudulent credit card accounts on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. In XXXX of XXXX I begin to receive calls from adept collector from a credit card debt that was not mine. That prompted me to check my credit report. That is when I became aware of several credit card accounts that were showing on my credit report. The following accounts are not mine and are a result of Identity Theft. Discover Bank Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I kindly request your urgent assistance in removing these unauthorized and fraudulent accounts from my credit report as soon as possible. The presence of these fraudulent accounts not only misrepresents my financial behavior but also significantly impacts my creditworthiness. Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Frequently Asked Questions
What is Complaint #9153980 about?
Complaint #9153980 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-06-02T12:00:00-05:00.
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.