Consumer complaint received 2022-09-20
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This discover card company started sending me letters that I owe money since I have live in california for a good few years now, I have been filing a dispute and all i get is lawsuits and big paper of 200 +pages of things I spent in the good states of Massachusetts I have filed identity theft because I have been a victim and they are not budging everytime I even open a bank account way back when and my roth IRA and along my savings close because one was apparently in the negative and the most recent savings I have including my roth ira was close due to someone in Georgia accessing my account I have have this happened, I have no idea how this is happening but is is happening and this morning someone access my information in XXXX XXXX I fell for a student loans scam and gave out my information and it was then it all started back i XXXX with all this discover shenanigans. In XXXX I was in high school with no income, I graduated and started college and I'm still in college I kept receiving letters from them and since they never wanted to delete anything from my account and keep destroying my credit report since XXXX, I agree to made some payments while i investigated myself I filed a dispute and all the time it was either a lawsuit or a big fat packet with information I have no recollection of I work 16 hours a week for {$17.00} friday and saturday and sunday the next and sometimes i miss work cause i get sick I manage to pay rent cause of California rent relief for covid and eat at work and applying for stamps and don't make enough my rent is {$1400.00} plus utilities its XXXX i pay rent late cause i don't make enough and applied for countless job and none seems to be hiring I called XX/XX/XXXX to ask for payment plans cause at this point I'm being forced to pay an account that i did not open I was met with some help and the account manager said I was not interested in your financial hardship they told me they would have a financial agreement on XX/XX/XXXX open my mail box just to find a lawsuit along with my financial agreement I'm stressed so much I started XXXX  with XXXX cause its been an ongoing thing I'm now supposed to pay {$150.00} every month out of 16 hours a week with {$17.00} oh by the way XXXX  is from my school free its enough I have to pay for something that is not mine cause someone opens it with my information its okay living on the streets is better so pay money so you don't have now while talking to them on XX/XX/XXXX they've told me I have made payments with a XXXX  account mind you I have never own a XXXX bank cause I discovere who destroyed my credit report call XXXX and ask them i have never own an actual bank cause of them i have always been denied I contact their debt collector on XX/XX/XXXX and I now received a payment agreement on the XXXX 9 days before my supposed due dates attached is a lawsuit that was filed on XX/XX/XXXX which the letter said i had 20 days from the day it was filed to answered oh its XX/XX/XXXX, their debt collector never said anything about it so now i have to pay {$1000.00} lawyer plus the {$3000.00} from discover

Company response to consumer: Closed with explanation