Debt collection -- Attempts to collect debt not owed -- Complaint #9778091
Complaint Overview
Complaint ID: 9778091
Company: Discover Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: California
ZIP Code: 91607
Date Received: 2024-08-12T12:00:00-05:00
Date Sent to Company: 2024-08-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter in XXXX stating that the law firm was attempting to collect a debt on behalf of the credit card company. I wrote a letter by certified mail saying that I would pay any debt that is proven lawful and indeed owed once provided with proof that I indeed owed the debt which was to include all invoices, a signed contract in wet ink by both parties, and proof any additional proof that I am indeed responsible for the debt they are claiming. I was sent a letter stating that the credit card company still owned the debt but they charged it off on XX/XX/year>, accompanied by a stack of statements that were paid. They failed to prove I owe the debt, that they legally own the debt to collect on it, and proved that the original debt holder charged off the debt already. Since they failed to prove this debt is valid I am asking that they call off their collection efforts, mark this debt as paid in full, and retract all negative reporting to the credit agencies.
Frequently Asked Questions
What is Complaint #9778091 about?
Complaint #9778091 was filed against Discover Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-08-12T12:00:00-05:00.
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.