Consumer complaint received 2022-01-24
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow-up complaint to complaint number XXXX that I, XXXX XXXX filed against Discover XXXX Discover alleged that I owed them a statement balance of {$12000.00}. As pursuant to 18 USC 8, all bills and coupons are obligations of the United States. As Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I'm the original creditor of all credit transactions since my social security number, which is a credit card pursuant to 15 USC 1602 ( l ), was used to make all credit transactions. Discover is a third party creditor attempting to collect on a debt that was already paid, which is a violation of 15 USC 1692j ( a ). and the credit was extended by me the original creditor. Discover sent me previous billing statements attempting to verify the alleged debt. On XXXX XXXX I sent Discover a letter asking them to send validation of this alleged debt. I asked Discover to provide the information provided below : -Complete payment history, the requirement of which has been established by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe. 

-Date of Last Activity -My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

-The agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

-The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company binds me to an agreement to pay your company any money that you claim I owe. 

-Proof of photo identification ( i.e., driver 's license, state identification card, orother government-issued identification card ) that waspresented to youat the time of incurring this debt. 

-Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

-Proof that this debt has not beenwritten off as a tax liability. 

-Any other intimate knowledge of the creation of the debt by you, the collection agency. 

My debt validation letter was received on XX/XX/XXXX. Discover has yet to provide me with proof validating the alleged debt. Discover has even attempted to resume collection activities, which is a violation of the FDCPA 809 ( b ). Discover has charged me late fees which have increased the alleged debt to {$12000.00}. My credit score was also negatively impacted and dropped from a XXXX to a XXXX.

Company response to consumer: Closed with explanation