Consumer complaint received 2023-05-31
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Or XX/XX/XXXX received from XXXX XXXX XXXX XXXX special civil part a letter ( A-1 & A-2 ) stating I'm being sued by Discover in the amount of {$9600.00}. I called XXXX XXXX XXXX and spoke to the court clerk. I informed I've never owned a credit card with Discover my whole life and I don't know what to expect what do I do? 
He suggested to call the collection attorneys representing discover. ( XXXX XXXX and XXXX ) After several attempts within a couple weeks on XX/XX/XXXX I was successful with the help of my neighbor to speak to the collection agency at the attorneys office I spoke to XXXXThis is when I learned that someone had opened an account in my name in the year XXXX. I explained I have never had an account with Discover and never authorized anyone else to do so! I have never received any information from Discover and any way in regards to have an account statements until I received the letter from XXXX courts. I also explained I have never lived in any other address in my whole XXXX  years of age.XXXX had informed that she would pass the information off to the attorneys and conduct investigation. I was to call back within one week for update. I also called Discover to report and give the same statement.. I did not want to but reluctantly, had to give my Ss #.! 
XX/XX/XXXX, I went to the XXXXXXXX XXXX  police station, I met XXXX XXXX XXXX XXXX took my complaint. " I have been a victim of identity theft and showed him letter from the courts of me being sued by Discover. A police report was filed. incident number XXXX. ( XXXX ) XX/XX/XXXX the one week phone call to collection attorney 's office. Was not able to get XXXX, had to speak with XXXX. Had to explain the whole thing all over again. I also explained that I filed a police report with a XXXX police station and gave XXXX the incident report number. The conversation was concluded with XXXX reply " it still under investigation ''. 
XX/XX/XXXX, ( C ) I received notification from Discover customer protection services. Acknowledgment of my initial call of dispute & informing, they were reporting information to the credit agencies accordingly. 
To conduct their investigation.additionally, I was instructed to fill out a questionnaire. 
It involved giving personal info.I did not provide any answers or personal info. 
I did send a hand written statement. ( D ) Again explaining I have never had account with them never authorized. I have lived at this addressed my whole entire life and never received any notification from Discover ever until I received the initial letter from the courts. Ask that I'd be removed from their billing and contact the credit agencies to let them know that I've been a victim of identity theft.I included the police report. ( B-1 ) XXXX XXXX ( E ) I received from Discover customer protection services. Contents of letter as follows they research the dispute of liability and their records reflect that account was open on XXXX and they found account balance to be valid. Statements will be sent separately. 
XX/XX/XXXX ( F ) I received statements from Discover. dates of XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX ( G ) I received statements from the collection attorneys office representing Discover. 
XX/XX/XXXX ( XXXX & XXXX ) I received a letter for from Collection attorney 's office representing discover. Contents reflect pursuant to New Jersey Court Stating I'm being notified of an entry of judgment and above referenced matter or XX/XX/XXXX amount of {$9800.00}. Included ( information subpoena ) Informing pursuant to a New Jersey Court rule XXXX ( b ) ( 1 ) 2 page written questions ( ( H-1 & H-4 ) instructed of having to be answered & returned within 14 days of my receipt of this notice. If I don't answer questions. Further informed of opposing party may ask the court to conduct a hearing in order to determine if I should be held in contempt. 
I did not answer the questionnaire due to the content. All questions being asked of me was providing abundant personal information, including- all material and financial assets, past and current financial history. 
XX/XX/XXXX I returned unanswered questions ( H-3 & H-4 ) via USPS certified with the XXXXeceipt of delivered letters to ; 1-DISCOVER ( customer protection services ) 2-Collection attorneys ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX clerk ( XXXX XXXX XXXX ) Accompanied , a letter ( I ) Containing the efforts, of my phoned & written communications to Discover & Collection Attorneys, of never having an account or authorizing one. Having lived at this address my whole entire life and never received any notification until the notice of being sued for the balance of an account I've never opened. 
I further more stated, '' I would respectfully stand before a judge to convey my reasons for doing so, as I have outlined above. 
Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation