Consumer complaint received 2021-09-15
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX is a collection agency that was hired by Discover Card to collect a debt that we owed ( the fact that it is owed has never been disputed ). 

This company violated our rights in the following manor : XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send written communications to a mailing address that accepted mail. We reside in zip code XXXX which is not serviced by USPS physical address delivery. Discover card had our mailing and our physical addresses. 

XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to send mail to our mailing address. This includes, but is NOT limited to such communications as : - Original Communications that would have allowed us to either resolve or dispute this debt - Notifications of their intent to file legal action - Once legal action WAS filed, we were never provided a copy of the Judgement- When a Wage Garnishment was issued, we were NEVER provided proper paperwork to dispute this action either. 

XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX were provided over 40 times request in writing to update our mailing address. In addition, they have willfully refused to do so until our first communication to this agency was made. 

In addition to their refusal to communicate with us, in writing, to our mailing address, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX, XXXX refused to provide an accounting of payments made to the debt. There were several payments made by wage garnishment that they would not account for and when asked for an account history, for 2 months they would not provide one. When I made the final payment, I provided them with an accounting. This should have been provided along the way, and when requested. 

As if, our rights have NOT been violated enough by this company in a short 7 months, even AFTER the debt is paid in full, our right continue to be violated. 

While we have NEVER received any of the afore mentioned documents, in addition to this violations, XXXX XXXX XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX XXXX has refused to squash the wage garnishment, which has resulted in yet another overpayment, which I am certain will take months and litigation on my part, including hiring of my own legal counsel to have these overpayments returned. 

This company 's actions have been inexcusable, and they should not be allowed to practice law if they continue to believe that debtors do not have rights, which is clear in their actions. 

I am begging this agency to please investigate these people so others do not continue to fall victim to their tactics. We are fortunate. We could have paid this debt in full prior to a court case, and prior to a wage garnishment. However, this company believes in violating consumers rights. As long as they continued to send written communications to an address they KNEW was not valid, they could continue to collect interest, and additional fees. Had they have done things the right way, it would have cost them a few XXXX dollars in fees. Is all of this really worth it to them? I think not. 

Discover Card should also be ashamed of themselves. They pride themselves on being different, and treating people how they want to be treated. Yet, they employ a company who continues over and over to violate a consumers rights. I dont know about you, but thats not how I would want to be treated. Maybe Discover feels that is how they would want to be treated. At the end of the day, this is all very sad. 

Had the following rights NOT have been violated, we would never be here today : 1. Communication This company refused to send written communication in a manor that could be received by us. They refused to send communications to our MAILING ADDRESS. Our Physical Address does not accept USPS mail. 
2. Because they refused to send mail to our mailing address we were not afforded these basic rights : a. The right to dispute the debt b. The right to a fair hearing c. The right to be informed of litigation d. The right to dispute a Wage Garnishment 3. Unfair Collection Processes This company has been paid in full and refused to squash the active wage garnishment 4. Overpayments this company continues to benefit from overpayments and refused to return said overpayments in a timely fashion 5. Refusal to provide an accounting of the debt and payments made I am begging this entity to investigate these companies, and file any available sanctions possible.

Company response to consumer: Closed with explanation