Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

[ Your Full Name ] [ Your Address ] [ City, State, ZIP ] [ Your Email ] [ Your Phone Number ] Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint Against Discover for Failure to Accommodate XXXX XXXX XXXX and Respond to Legal Settlement Offers Introduction : I am compelled to file this complaint against Discover Bank due to their failure to provide necessary accommodations for my XXXX XXXX XXXX, which has significantly hindered my ability to manage my financial affairs. This situation has been exacerbated by Discover 's disregard for a legal settlement offer communicated by my attorney, aiming to resolve the financial burden on my account XXXX. XXXX, further outlined in a letter dated XX/XX/XXXX. 

Issue Summary : My experience with Discover has been marred by significant challenges directly linked to my XXXX XXXX XXXX, notably exacerbated by an embezzlement incident in XXXX that deeply affected my professional and personal stability. The compounded stress and trauma have made navigating Discover 's dispute resolution and account management processes nearly impossible, highlighting a critical lack of accessibility and accommodation for individuals with similar XXXX XXXX XXXX. 

Despite efforts to amicably resolve my account issues through a settlement offer proposed by my attorney, Discover has failed to acknowledge or respond to this offer, demonstrating a concerning lack of engagement and consideration for my circumstances. 

Requested Resolution : Immediate Acknowledgment and Response to Settlement Offer : Recognition and response to the settlement offer presented by my attorney, with a sincere effort to reach an amicable resolution reflective of my current financial capability and XXXX XXXX XXXX. 

Monetary Adjustment and Waivers : Consideration of monetary adjustments or waivers for fees and charges that have accrued, acknowledging the undue challenges posed by my XXXX XXXX XXXX on managing these financial obligations. 

Implementation of XXXX XXXX Accommodations : Establishment of clear, accessible procedures for customers with XXXX XXXX XXXX, ensuring that Discover 's processes are inclusive and considerate of all customers ' needs. 

Review and Reform of Policies : Comprehensive review and reform of Discover 's policies and communication practices to prevent future instances of neglect and to ensure that all customers, especially those facing XXXX XXXX challenges, are treated with the respect and consideration they deserve. 

Conclusion : The difficulties I have encountered with Discover not only reflect a personal struggle but also underscore a broader issue of accessibility and accommodation within financial services. I trust that the CFPB will consider this complaint with the gravity it warrants and facilitate the necessary dialogue with Discover to address these concerns effectively. 

Laws Violated Fair Credit Reporting Act ( FCRA ) : Requires accurate and fair credit reporting, including the investigation and correction of reported inaccuracies. 

Americans with Disabilities Act ( ADA ) : Although primarily addressing XXXX XXXX, its principles of accommodation can extend to communication and service provision for individuals with mental health conditions, ensuring equal access to services. 

Electronic Fund Transfer Act ( EFTA ) : Protects consumers in electronic fund transfers, which could be relevant if there were unauthorized transactions or issues in managing electronic payments. 

Fair Debt Collection Practices Act ( FDCPA ) : If Discover engaged in any direct collection activities, they must adhere to FDCPA guidelines, which prohibit misleading and abusive practices. 

Sincerely, XXXX XXXX