Consumer complaint received 2022-12-16
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclose_d claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.

Company response to consumer: Closed with monetary relief