Debt collection -- Took or threatened to take negative or legal action -- Complaint #9200015
Complaint Overview
Complaint ID: 9200015
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Alabama
ZIP Code: 36116
Date Received: 2024-06-06T12:00:00-05:00
Date Sent to Company: 2024-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Yesterday at XXXX XXXX., I received a voicemail to callback the number ( XXXX ) XXXX back because the message left said, we are trying to reach question mark (? ) XXXX XXXX. So I called the phone number back and spoke to what sounded like a XXXX male, who asked was I XXXX XXXX or did I know how to contact XXXX XXXX, with the last XXXX social digits XXXX XXXX XXXX so I said yes! He had my precise last XXXX social security digits! He said I owed a old debt with Discover, so I said, how when I currently own a Discover credit card and he said I could be sued IF I did not pay so I said, sue me, hung up, and called Discover! Discover checked and said I do now owe a old bill plus I gave them an case file account number I got from the ( XXXX ) XXXX and they connected me to Discover security and they said, I only owe current Discover bill and/or that I am not behind on any present or past payments! But each time I called ( XXXX ) XXXX, I got the exact same agent and/or he tried to disguise his voice when I commented and asked why do I only get him on the phone, so I said I want a manager and he said he was a manager then I asked to speak to someone over him, so he acted like he was getting someone else, then he came back on the phone with an attempt at CHANGING his voice, so I hung up!
Frequently Asked Questions
What is Complaint #9200015 about?
Complaint #9200015 was filed against Discover Bank regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-06-06T12:00:00-05:00.
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.