Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (TX)

I am writing to file a formal complaint against Discover Bank concerning a fraudulent account opened in my name without my knowledge or consent. Despite being a victim of identity theft and taking all necessary measures to address the issue, Discover Bank has pursued legal action against me for a debt I do not owe. 

Background : 1. Identity Theft Incident : - In XX/XX/XXXX, I discovered a significant decline in my credit score while attempting to purchase a vehicle.

- Upon reviewing my credit reports, I found multiple accounts fraudulently opened in my name, including one with Discover Bank. 
- I filed a police report with the XXXX Police Department on XX/XX/XXXX ( XXXX XXXX : XXXX ). 
- A report was also submitted to the Federal Trade Commission ( FTC ) regarding the identity theft.

2. Fraud Alerts and Notifications : - I placed a 7-year fraud alert and personal statement on my credit reports with XXXX, XXXX, and XXXX in XXXX. 
- The fraud alert requires creditors to verify my identity before opening any new accounts. 

3. Unauthorized Discover Bank Account : - An account with Discover Bank was fraudulently opened in XX/XX/XXXX. 
- I discovered this unauthorized account in XX/XX/XXXX, with fraudulent charges totaling {$7400.00}. 
- I have never applied for or authorized any account with Discover Bank. 

4. Legal Actions Taken by Discover Bank : - Despite being informed of the identity theft, Discover Bank filed a lawsuit against me ( Case No : XXXX ) in the Justice of The Peace Court , Precinct XXXX, XXXX XXXX, Texas XXXX 
- A judgment was made in favor of Discover Bank on XX/XX/XXXX. 

5. Acknowledgment by Discover Bank : - On XX/XX/XXXX, I received a letter from Discover Bank XXXXs Customer Protection Services acknowledging the account was fraudulent.

- They confirmed that they notified all major credit reporting agencies to delete the account from my credit report.

Impact on Me : - The fraudulent account and subsequent legal actions have caused significant financial strain, stress, and damage to my credit history. 
- Creditors have initiated debt collection actions and lawsuits for debts I did not incur. 
- Despite my proactive efforts to report the identity theft, I continue to face unjust financial and legal repercussions. 

Attempts to Resolve : - I have provided Discover Bank with all relevant documentation, including the police report and fraud alerts. 
- I formally appealed the court judgment, presenting evidence of the identity theft and Discover Bank 's acknowledgment. 
- Despite these efforts, the issue remains unresolved, and I am still being held responsible for the fraudulent debt. 

Desired Resolution : I am seeking the Consumer Financial Protection Bureau 's assistance to achieve a fair resolution to this matter : 1. Cease All Collection Activities : - Request that Discover Bank immediately stop all collection efforts related to the fraudulent account.

2. Vacate Legal Judgments : - Have Discover Bank withdraw the lawsuit and vacate any judgments entered against me concerning this matter.

3. Correct Credit Reporting : - Ensure all negative information associated with the fraudulent account is removed from my credit reports with all credit reporting agencies. 

4. Written Confirmation : - Obtain written confirmation from Discover Bank stating that I am not responsible for the debt incurred on the fraudulent account.

5. Prevent Future Issues : - Encourage Discover Bank to review and improve their identity verification processes, especially when fraud alerts are in place.

6. Compensation for Damages : - Seek compensation for any financial damages incurred, including legal fees and costs associated with resolving this issue.

Supporting Documentation : - A copy of the police report filed with the XXXX Police Department. 
- The letter from Discover Bank acknowledging the fraudulent account and their actions to notify credit agencies. 
- Documentation of the fraud alert placed on my credit reports. 

Conclusion : I believe that I have been unjustly held accountable for debts resulting from identity theft. Despite providing ample evidence and following all recommended procedures to report and address the fraud, Discover Bank has continued to pursue collection and legal actions against me. 

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that this matter is resolved promptly and fairly. 

Thank you for your attention to this serious issue. I am available to provide any additional information or documentation required. 

Sincerely, XXXX XXXX