Consumer complaint received 2021-11-30
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a natural person and federally protected consumer. I entered into a consumer credit transaction ( XXXX XXXX XXXX ( i ) ) with DISCOVER FINANCIAL SERVICES on XXXX of XXXX in which I opened an account, an extension of credit as defined by XXXX XXXX XXXX ( a ), that has been used for personal, family, and household purposes. 

It has come to my attention that my current account does not comply with federal law as I do so believe that pursuant to XXXX XXXX XXXX ( j ) my account should be an open end credit plan. 

It has also come to my attention that my account has billing errors and I am disputing all past, present and future amounts. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), I am requesting documentary evidence ( XXXX XXXX XXXX ) for book of accounts as described in XXXX  Publication XXXX. In order to verify such amounts, I need to see the bookkeeping audit trail from both the private and public side to verify the current accounting and taxes associated with this account. 

I am invoking my rights as a federally protected consumer to withhold all past, present and future amounts in dispute pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). Because I am invoking my rights, DISCOVER FINANCIAL SERVICES can not make or threaten any adverse reporting to any person about the consumers credit standing without first resolving billing error pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). Lastly, DISCOVER FINANCIAL SERVICES can not and shall not restrict, limit, close, cause any disruption of any manner nor accelerate payments of the account and DISCOVER FINANCIAL SERVICES has legally agreed to forfeit its rights to collect on all past, present, and future amounts in dispute under XXXX XXXX XXXX ( XXXX ) pursuant to XXXX XXXX XXXX ( d ) ( XXXX ). 

Pursuant to XXXX XXXX XXXX ( XXXX ), in an attempt to correct the billing error my credit balance is {$4700.00} which is a surplus of {$1.00} and the amount balance should be credited and the remaining balance must be directed to me, the consumer, payable by check monthly pursuant to XXXX XXXX XXXX ( a ) and XXXX XXXX XXXX. 

I believe that DISCOVER FINANCIAL SERVICES has knowingly, intentionally, with forethought and malice deceptively been sending dividends via the mail and misrepresented the dividend as an invoice for the consumer to pay. Because of such deception, I have electronically transferred funds using my personal debit card information to DISCOVER FINANCIAL SERVICES. This constitutes racketeering activity ( XXXX XXXX XXXX ) which would be embezzlement, theft by deception, extortion of credit and mail fraud. I am requiring that all past, present and future coupons be sent to my place of abode in form of a check payable to me. 

Lastly, DISCOVER FINANCIAL SERVICES has been sharing my nonpublic personal information with nonaffiliated third parties, consumer reporting agencies. I never received proper disclosures that were clear and conspicuous to OPT OUT pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( a ), I failed to receive such disclosures nor was given a reasonable opportunity to OPT OUT, and now I am at risk for potential identity theft as my nonpublic personal information has been communicated without my consent to the consumer reporting agencies. In accordance with XXXX XXXX XXXX ( a ) ( XXXX ), I am giving my written instructions to report this account as paid in full and paid as agreed monthly. Pursuant to XXXX XXXX XXXX, it DISCOVER FINANCIAL SERVICESs responsibility to protect the security and confidentiality of my nonpublic personal information and I do not believe that was done on my behalf.

Company response to consumer: Closed with explanation