Consumer complaint received 2022-03-24
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, my urgent request for an investigation into identity theft and fraud has led to the Discover Card company violating my rights. XXXX XXXX and XXXX of the year XXXX, Discover Card allowed the activities that as of right now constitutes fraud and theft. I have verbally spoke with the company to the heights of argument over records and misrepresentation. The credit card company has fought with me over months and has allowed the same person who took advantage of my personal information to continue misleading and lying about the account that she opened using my vital information. Up to now, Discover Card has denied my rights under law to thoroughly have the investigation that this issue calls for. Also, Discover card has enabled this person to manipulate policy, precedure, and protocol, allowing her to doom my credit history with no penalties towards her nor this situation reversed or investigated. I have proof to how, when, why, and documents to show that Discover Card did knowingly violate my rights to privacy, violations of 15 U.S. Code 1644, and enabling criminal activity. The card that was established in my name, I did not know about until XXXX. The card had been a secret from XXXX to XXXX as of my knowledge to whose credit the card would be accustomed. In XXXX, I received a call from Discover Card stating that I had defaulted on an account associated with my name and social security number. Upon my questioning Discover how was the information that was presented, at that time, valid. Discover asked me about my last XXXX digits of my social security number. I quickly gave the information and was presented with the harsh news. Since then I have pleaded my innocence, reported other cards that had been established the same way by the same person, been denied my rights to dispute, sent numerous bills, witnessed the admittance from the other party, shared the admttance with Discover Card, complaints filed, tried clearing my name, and receiving responses from the credit card company that are disturbing. Like for instance, after many conversations with the other party, a representative of Discover Card during the height of pandemic, shared with me that the other party stated that I was computer illiterate and had discussed applying for the card through Discover in which both exaggerated lines are so far from the truth. This and many exaggerations led Discover to deny me and my accounts of the truth the due course of dispute, termination of all debt because of the fraud, and a host of embarrassing, anguished, and uncalled for arguments on social platforms like XXXX. The city in which i lived knows about this altercation and misuse, my family, friends, associates. And the other party has been pleaded with to admit the truth and get the issue fixed in fear of her being charged or other important lives such as my XXXX and her XXXX XXXX as result of her actions. I received a letter from the DOJ 's consumer protection. The letter suggests that i contact you, the CFPB for assistance. I place my whole truth in plain sight with this complaint. The sad revelation is that the other party is the mother of my child. All I want from Discover is that they restore my good faith by going back and undoing the mess that Discover caused while disputing against my truth, and that they erase my history with them, retrieval of all letters, bills ect., the discontinuation of any form of debt through invoice that would be sent with my name attached, and apology for allowing this misrepresentation to lead to my credit being damaged. Above all, in my request for remedy, all forms of XXXX or ill-will be prohibited. Along with monitoring by all the credit bureaus and higher authority in the case that Discover Card seek to hold anyone besides themselves accountable for this grave mishap. With the confirmation of the above course of conduct, I give assurance that I will not file any type of suit entering Discover Card as predatorial or any form of suit in court towards this company. This letter will be stored and recorded because I desire all truth to be known. A special thanks goes out to all the CFPB 's constituents and the byproducts of our society 's bureaus who regulate misuse and misconduct.

Company response to consumer: Closed with explanation