Consumer complaint received 2023-01-14
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XX/XX/XXXX To : Discover Card & XXXX Re : Fair Debt Collection Practices Act Violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act 1692-1692p. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Discover Card and their attorneys violated my rights regarding an unlawful letter that was mailed to me by Discover Cards Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations.

I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( Discover Card ) Attorneys ( XXXX ) dated XX/XX/XXXX. I have suffered migraines and upset stomach, XXXX, and severe stomach aches ever since I read the letter and was scared and upset at the amount the attorneys were asking which is not nor has it ever been consistent with what Discover Card has confirmed multiple times that I allegedly owe. 
XXXX scared me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that Discover Card has stated and confirmed multiple times through many disputes of the amount that I allegedly owe Discover Card is in fact {$2300.00}, nothing more or nothing less. 
This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. 
The actions of Discover Card and their attorneys XXXX XXXX also violated N.C. state laws with the same unlawful action, N.C. Gen. Stat. 75-54 Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, State or local government ; or falsely representing the creditor 's rights or intentions.

I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the N.C. Department of Justice outlining the specific charges I feel you have violated. 
XXXX XXXX ATTACHED : UNLAWFUL LETTER

Company response to consumer: Closed with explanation