Consumer complaint received 2022-07-28
Company: DISCOVER BANK
State: FL
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:
My name is XXXX : XXXX XXXX XXXX agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against XXXX XXXX XXXX, XXXX. for engaging in abusive deceptive and unfair debt collection practices. XXXX XXXX XXXX, XXXX. was sent to engage in these unlawful extortionate means to collect on an extension of credit by Discover Bank. Discover Bank has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. Discover Bank infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial OfficeXXXX XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by Discover Bank. I am aware that XXXX XXXX XXXX, XXXX. is an unauthorized third party in this matter. I never contracted with XXXX XXXX XXXX, XXXX. and they have no lawful authority to be in possession of my identifying information. I also want to make clear that XXXX XXXX XXXX, XXXX. has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay. 

I have reason to believe that XXXX XXXX XXXX, XXXX. is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If Discover Bank can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim. 

If Discover Bank refuses to produce any documentary evidence as defined under 15 U.S. Code 44, I will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and XXXX XXXX XXXX, XXXX. continues their unlawful collection efforts, XXXX XXXX XXXX, XXXX. shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of XXXX XXXX XXXX, XXXX. binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices.

Company response to consumer: Closed with explanation