Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to address a matter of utmost concern regarding an account held with your financial institution. After a thorough review of the information provided and my personal records, I have discovered that this account is fraudulent as I did not authorize or provide consent for its creation. Furthermore, despite my previous requests, you have failed to provide the required documentation to prove the legitimacy of this account. I urgently request your immediate attention to rectify this fraudulent situation. 
I would like to emphasize the following key points : 1. Lack of Consent and Authorization : As the account holder, it is essential that I am aware of and provide consent for any accounts opened in my name. However, to my knowledge and records, I have neither authorized nor given consent for the establishment of the account in question. This raises serious concerns regarding the legitimacy and authenticity of the account. 
2. Failure to Provide Documentation : As a customer, I have previously requested documentation to substantiate the existence and validity of this account. 
These documents include but are not limited the following that has yet to be provided to me : 1. Comprehensive Accounting Records : Under the law, a financial institution is obligated to maintain comprehensive and accurate accounting records for each customer 's account. These records should include a complete transaction history, account statements, and any other relevant documentation that supports the calculation of the alleged debt. 
2. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt. These forms should include, but are not limited to, 1099-C or other tax-related documents that report the cancellation or forgiveness of debt.

3. Timely Response : It is essential that your institution responds to this request within a reasonable timeframe, typically within 14 days Failure to comply with this requirement may be deemed a violation of applicable laws and regulations. 
Therefore, I request the following actions from your institution : 1. Removal of Negative Item : I kindly request that you immediately remove the negative item associated with this alleged debt from my account and cease any further reporting to credit bureaus until the debt is properly validated and resolved. 
2. Provision of Accounting Records : Please provide me with all accounting records related to my account, including a complete transaction history, account statements, and any supporting documentation that verifies the accuracy and validity of the alleged debt. 
XXXX. Provision of Tax Forms : If the alleged debt is related to any tax liability, I request that you provide all relevant tax forms associated with this debt, such as 1099-C or other applicable tax documents.

4. Compliance with Laws : I expect your institution to comply with all applicable laws and regulations. Failure to do so may result in legal consequences and the pursuit of remedies available under the law. 
Please note that any future communication regarding this matter should be in writing and sent to the address provided above. Any negative reporting to credit bureaus should be immediately corrected and withdrawn until the requested information is provided, verified, and any disputes resolved. 

Account Number : XXXX

Company response to consumer: Closed with explanation