Consumer complaint received 2018-10-22
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings & Salutations, Have a issue with Discover Card credit card. The account was sent to collections after receiving a letter from XXXX XXXX XXXX XXXX from XX/XX/XXXX & sent out a debt validation letter on XX/XX/XXXX & received a singed Return Receipt on XX/XX/XXXX from XXXX XXXX XXXX. 

Discover Bank, the creditor of your account, has assigned the above referenced account to XXXX XXXX XXXX XXXX for collection. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the a judgement and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name & address of the original creditor. If different from the current creditor. 

I sent a letter of response to XXXX XXXX XXXX XXXX on XX/XX/XXXX & haven't received a response. The tracking number along with a signed copy of the certificate of Return Receipt verifies a received response of the debt validation letter on XX/XX/XXXX. Still awaiting response as of XX/XX/XXXX. 

Discover Card sent a letter as well on XX/XX/XXXX. 

Thank you for recent correspondence. We previously communicated to you the result of the our investigation. 

Unless you have new documentation to substantiate your claim, the account & balance will remain valid. In order to maintain the integrity of the Credit Reporting Agencies we are required to report accurate information & are unable to modify your credit bureau report. 

We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. 

If you have further questions, please contact our office at XXXX between the hours of XXXX - XXXX ET Monday through Friday. 

I sent out a debt Validation letter on XX/XX/XXXX to Discover Card. Still awaiting response. As you can see the Discover letter is dated on XX/XX/XXXX & the Certified Return Receipt is dated XX/XX/XXXX which is attempted fraud to communicate a wrong date as seen in the file picture. They received my response letter as the Signed Return Receipt indicates. Still awaiting 2nd response from Discover Card as of XX/XX/XXXX. 

Discover Card won't take the {$10000.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... All they do is file a consumer dispute which drops my credit score & once the dispute is over in Discover Cards Favor, my credit report score goes back up. That is all Discover card does, they can never verify the debt & haven't produced a signed contract which means this is still a unsecure debt. Still awaiting there 2nd response letter as of XXXX. 

I called Discover for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations on unsecured debt is 6 years in Washington state & has to come off my report. 

Sincerely, UCC 1-308 Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation