Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MI)

Complied list of Consumer violations 1006.18 False, deceptive, or misleading representations or means ( i ) The character, amount, or legal status of any debt.

Amount payment history was incorrect even with disputes with valid bank statements errors are not fixed False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
Released Personal information to XXXX XXXX XXXX without consent of consumer. Debt was not accepted but damage to personal information was done as it was spread without consent 1006.14 Harassing, oppressive, or abusive conduct.

( c ) Violence or other criminal means. In connection with the collection of a debt, a debt collector must not use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person.

Pushed credit limit on a closed account to further hurt score and prevent any new credit ( f ) Coercive advertisements. In connection with the collection of a debt, a debt collector must not advertise for sale any debt to coerce payment of the debt. 
Attempted to sell debt to XXXX XXXX XXXX but was unsuccessful. Release private information without consumers consent ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 
Never gave consent for any mail to be sent to XXXX XXXX XXXX XXXX. Explicitly stated. 

Communications with third parties ( 1 ) Prohibitions. Except as provided in paragraph ( d ) ( 2 ) of this section, a debt collector must not communicate, in connection with the collection of any debt, with any person other than : Communicated personal information with XXXX XXXX XXXX XX/XX/2022. Without consent on consumer. 

( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 
Charged account thousands past limit and continues to do so on a closed account to prevent use of credit in future ( a ) Required actions prior to furnishing information. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : Violated on multiple occasions and still continuously doing so to further damage credit ( e ) Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.

Continuous collations marks every month since debt was closed