Consumer complaint received 2023-08-10
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT I have a credit card with Discover. I have made perfect payments since XXXX, never a late payment with credit cards, even during the pandemic. I was the person that saved money for a rainy day. Then a bad medical situation hit a few years ago. 1. I had a XXXX XXXX and several XXXX XXXX and was XXXX. I went XXXX for a short time 2. I had numerous surgeries where my XXXXXXXX XXXX XXXX. 3. I got XXXX XXXX ( XXXX of XXXX times ) during one of the surgeries. I was on a XXXX. I had another XXXX. Even during all this time i had my personal bank make sure my bills were paid on time. I had {$700000.00} in medical bills which I paid completely off draining my resources. I had over 2 years of XXXX  to build myself back up. 4. I managed to keep my job until the pandemic when they laid me off after 20 years. 14 months later my job was eliminated. And I still paid my bills on time. 5 I applied for over XXXX jobs and have been unsuccessful, I retrained and got advanced degrees. Being over age XXXX no one seems to be hiring me. 6. My spouse left me and my children ( I had kids late in life ) and I raise the kids myself 7. My spouse emptied our retirement account. 8. Due to hacking, XXXX XXXX, Discover ( XX/XX/XXXX discover released my information during a hack ), and other credit cards and one of the credit bureaus allowed my information to be released on the dark web and my identity has been stolen resulting in over XXXX attempts of credit being opened in my name and bank accounts drained, I have had my mail stolen. Although the credit bureaus have frozen my credit file, credit issuers have not been good about stopping this. 9. Up to XX/XX/XXXX, Bills have were paid on time. 10. I called Discover the month before the credit card bills were late. I asked for some type of forbearance or arrangements until my income resumes. ( I had asked this during the pandemic and been ignored They told me after being transferred around that they could not help me until I was in Collections. I asked about any XXXX  XXXX programs. They said sorry we can not help you until you are late with your bills. I said im being proactive is fixing the problem. Starting in XX/XX/XXXX and follow-ups in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I I sent letter asking for up to 7 years of credit card statement to which I have received nothing. I have asked for debt validation. DISCOVER has not replied to requests. DISCOVER has not reach out to me about this.DISCOVER this past month decided to file court action in a attempt to collect debt.

Company response to consumer: Closed with non-monetary relief