Consumer complaint received 2022-06-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I XXXX XXXX is coming before you today with serious concerns. 

Discover committed adverse action against me and closed my credit card account without my lawful authority.As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover can not close something i created! 

Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 To correct an error of intent. I unknowingly and unintentionally waived certain powers that put me in detriment. As beneficiary and not required to do anything. It is to my detriment to pay an obligation that is fully the interest of the United States for payment of public/private debt Pursuant to 18 USC 8 XXXX I have no affiliation to the trust with respect to the trustee. 
Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. 
Notice of fact there is a billing error pursuant to XXXX XXXX the determination of finance charge. 
Pursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt. 
15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. 
Pursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave DISCOVER BANK the number making DISCOVER BANK liable for the number. 
Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I request documentary evidence for my discover account. 
Pursuant 15 U.S Code44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for my account. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. On the public and private side showing accounts receivable and payable. 
Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. 
I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act.

Company response to consumer: Closed with explanation