Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (PA)

I am writing this report in response to a one-page letter I received from Discover Card yesterday, XX/XX/XXXX. The letter is dated XX/XX/XXXX. The only contact information the letter provides is a phone number, but I'm trying to keep all of my contacts in writing so I have a paper trail. Discover is demanding that I make payment arrangements to pay off my full account right now, before they hand it over to their lawyers after XX/XX/XXXX. Long story short : There's honestly no possible way I can pay that amount right now. I wouldn't even be able to provide you with a decent settlement offer. I live paycheck to paycheck. The amount currently saved in my 401 ( k ) plan is almost exactly the same as my Discover debt, but 1. I have several other creditors to worry about, and 2. I'm XXXX XXXX XXXX and I'm not touching my 401 ( k ) until I'm retirement age. I live in a house my XXXX mother fully owns, and I pay most of the grocery and utility bills. My only major property is my XXXX XXXX that's still financed each month. The measly amount I've been paying Discover for the past couple years is what I have left. I won't be able to consistently come up with any major cash each month until my car loan and my judgment from XXXX XXXX are paid off, which will both happen in around two and a half years from now. To explain why I'm trapped in this debt situation BEYOND MY CONTROL, I could write page after page giving you specific details on how I've been constantly financially and emotionally victimized by my stepmom and her pals for the past eight years, after my father died from XXXX. This in itself raises a hundred different " missing inheritance '' questions, even when we assume the goofy way dad 's will was enacted was valid in the first place. This is followed by a crooked gaslighting stepbrother, and an endless list of his ( likely ) acquaintances toying with me to infuriate me further. Followed by several instances of anonymous trolls attacking me on XXXX and XXXX to simultaneously commit new abuse while frantically hiding their old abuse, resulting in one destroyed XXXX account. Followed by the estate attorney who ( erroneously ) handled my father 's original probate case in XXXX turning corrupt to the core, calling me in XXXX to essentially prank me, and then fraudulently denying everything to the Michigan state bar in XXXX. Followed by a small-sized local car dealership hopping in to hijack some of my car insurance paperwork in early XXXX, very likely in connection to whatever they're whispering to each other in dad 's half of the family. Followed by a new trail of major Federal identity thefts in XXXX that I'm pretty sure was just someone going " Hee hee hee, remember us?! '' Followed by a current ongoing ( within the past couple months ) situation where someone, or a group of people, keeps e-mailing robotic spam messages to me while impersonating the names of various members from dad 's side of the family, and they're doing it for the same exhausting " Hee hee hee, remember us?! '' effect. I just keep reporting these types of attacks, but no one from the FTC or the IC3 will reply back to me, and the illegal family pranks never stop. I'm missing an immeasurable amount of money from half a dozen would-be prosecutions and / or settlements, because I can't hire an attorney to seek any kind of justice. I'm not even sure who is attacking me most of the time, and every single backstabbing clown on dad 's half of the family has dedicated every single beat of their heart to remain constantly vague and sneaky, to ensure I can never legally prove anything. I can't put together enough facts on my own to hire my own attorney, AND I can't get any help from any level of Pennsylvania law enforcement all the way up to the AG 's office, because the AG 's answers for my car dealership fiasco are " spotty '' at best. I was in contact with XXXX at XXXX a few months ago, and I was telling her about my overwhelming struggles. The last time I spoke with her on the phone, she kindly requested that I please only contact her offices with news directly relating to my Discover account. So there you go. Everything I've mentioned above directly relates to the current unpayable status of my account.