Consumer complaint received 2023-06-16
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ] regarding their unlawful debt collection practices. I believe that their actions have violated several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and request your assistance in addressing this matter promptly. 

Details of the complaint : Harassment and Intimidation : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] has engaged in continuous harassment and intimidation tactics while attempting to collect a debt from me. They have repeatedly contacted me via mail, emails, often using aggressive and demeaning language. These actions have caused undue stress and XXXX infringing upon my rights as a consumer. 

Misrepresentation of Debt : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has provided inadequate and misleading information regarding the alleged debt they are attempting to collect. Despite requesting verification of the debt in writing, they have failed to provide any supporting documentation, making it impossible for me to assess the accuracy and legitimacy of the debt. Assess an unlawful judgment against me without providing me with said alleged debt as requested. 

Unauthorized Disclosures : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] has disclosed information about the debt to unauthorized third parties, including my family members and colleagues. Such unauthorized disclosures have violated my privacy rights and potentially damaged my personal and professional relationships. 

Failure to Cease Communication : Despite my explicit request for [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] provide alleged debt as requested, they have now requested an unlawful judgement against me, didn't appear in court and sending false documents to my domicile, along with persistently disregarding my rights under the FDCPA. Their continuous harassment has caused significant distress and interfered with my daily life and obligations. 

I have attempted to resolve these issues directly with [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] but have not received a satisfactory response. Therefore, I kindly request your intervention to investigate this matter thoroughly and take appropriate action against the law firm for their unlawful debt collection practices. I also request that you impose any necessary penalties or sanctions on [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] to prevent further harm to me and other consumers. 

I am willing to provide any additional information or documentation required to assist in the investigation. 

I understand that the Consumer Financial Protection Bureau is committed to protecting consumers from unfair and deceptive practices, and I trust that my complaint will be treated with utmost importance. I kindly request regular updates on the progress of this investigation and the actions taken to resolve this matter. 

Thank you for your attention to this complaint. I look forward to a swift resolution and the enforcement of appropriate measures against [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation