Consumer complaint received 2021-11-12
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, we applied for a mortgage loan. 
On XX/XX/XXXX, we received unconditional approval for the loan. 
On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. We were promised that the approximate closing date is set for XX/XX/XXXX. We were provided a loan tracker to monitor the progress of the loan. 
I check the tracker twice a day. 
On XXXX XXXX, XXXX, we called the bank. The bank promised to finalize the loan by the end of the week and setthe closing date for XX/XX/XXXX. 
On XX/XX/XXXX, the XXXX XXXX  notified us that we have two liens on the propertyby Discover Card and XXXX. We told and provided the XXXX XXXX  with documents stating that the two debts were dischargedby theFederal XXXX on XX/XX/XXXX, and attached all the relevant Court documents. 
On XXXX XXXX, XXXX, XXXX XXXX  without our consent, contacted the Lienholder/creditor and received the letter saying that we owe them money ( court case # XXXX ) ( Portion of copy of letter dated XX/XX/XXXX as follow : ====================================================== XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX I XXXX I TTY - XXXX MON-FRI XXXX AM - XXXX XXXX  EST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX Current Creditor DISCOVER BANK Account Number : XXXX Court Name : XXXX XXXX XXXX, Case Number XXXX XXXX XXXX File Number XXXX Current Balance as of XX/XX/XXXX : {$3800.00} =========================================== We did our lien search on our property, but, there is no lien on our property. 

On XXXX XXXX, XXXX, since XXXX XXXX  contacted the " lien holder/creditor '' on their own without our consent, we asked to contact them to remove the lien put on our property. XXXX and the lienholder are adamant that we still owe them money. XXXX notified three options ; they are ( 1 ) pay them {$3800.00} ; ( 2 ) Cancel the loan and reapply ; ( 3 ) XXXX loan officer will cancel the loan and try to refund the fee but, we are not likely to get a refund. 

On XXXX XXXX, XXXX, we replied and forward/attach all the related Federal Bankruptcy Discharge and State court order documents over and over again and told XXXX that ( 1 ) We will not pay because we did not owe them. ; ( 2 ) We will not reapply the loan. ; ( 3 ) Refund the fee ~ {$600.00}. ( not an exact amount ) in order to avoid the lawsuit. 

XXXX should have the title search before the unconditional approval on XX/XX/XXXX. Had the XXXX XXXX  done that, Why was the matter ( LIEN ON OUR PROPERTY BY XXXX AND DISCOVER ) not brought to our attention. XXXX XXXX  should never take the ~ {$600.00}. fee from us by issuing false unconditional approval on the loan. 

XXXX XXXX  on their own contacted the " Lienholder/creditor '' and conspire to collect a debt are discharged by the Federal Bankruptcy Court which in violation of FDCPA. 
( ref. See Attached-Lien {$3800.00} LETTER from DISCOVER by XXXX & XXXX Co XXXX XXXX XXXX letter from LienHolder/Creditor DISCOVER represented by XXXX ) Fyi, XX/XX/XXXX Default Judgment entered Judicial Officer : XXXX, XXXX XXXX XXXX XXXX XXXX Court Costs plus Judgment : {$2500.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : DISCOVER BANK Awarded against : XXXX XXXX XXXX Book XXXX XXXX, Page XXXX Judgment Book : XXXX, Page XXXX -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Motion for Proceedings Supplemental Filed VERIFIED MOTION FOR PROCEEDINGS SUPPLEMENTAL Filed By : DISCOVER BANK Filed By : XXXX, XXXX XXXX Filed By XXXX XXXX XXXX  File Stamp:XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Proceedings Supplemental Session:XXXX XXXX XXXX, Judicial Officer : Shook, XXXX XXXX - XXXX Result : Commenced and concluded -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Order of Continuance by Court Continued Indefinitely Judicial Officer : Shook, XXXX XXXX - XXXX Order XXXX -- -- XXXX XXXX -- -- -- -- -- -- -- -- Default judgment entered in the year XXXX which is superseded by XX/XX/XXXX, and XX/XX/XXXX Order of Court stated "... Continued indefinitely... ''. We file a Federal Bankruptcy Court on XXXX. XXXX, XXXX, and was discharged on XXXX XXXX, XXXX. ( See attached the Fed Bankruptcy Court of Order. )

Company response to consumer: Closed with explanation