Consumer complaint received 2021-07-14
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Financial Services failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement. 
They willfully committed fraud and identity theft by obtaining credit card statements to show as proof of a consumer contract. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Discover Financial Services, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself. 

Pursuant to 15 USC 1692 ( c ) ) ( b ) without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. Discover Financial Services via written communication addressed to me on XX/XX/2021, admittedly forwarded my personal information to a third-party company, which is a violation. 

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; and, 15 USC 1692 ( e ) ) ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency. Discover Financial Services on XX/XX/2021, sent a written correspondence to me trying to obtain my personal information under the guise of an investigation by a credit bureau manager ; both instances are completely deceptive and violations by law. 

Pursuant to 15 USC 1692 ( f ) ) ( 8 ) a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram. Discover Financial Services repeatedly sent correspondences to me with their company logo on the front of every envelope, which is a complete violation of the FDCPA. 

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation by Discover Financial Services. 

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Discover Financial Services was violated when they shared my location & financial information with a third-party company. 

Discover Financial Services has made 14 violations while trying to collect this allege debt from me, and pursuant to 15 USC 1692 ( k ) ( A ) they are liable to me in the amount of {$14000.00} ; that is {$1000.00} for each of the 14 violations committed against.

Company response to consumer: Closed with explanation