Consumer complaint received 2021-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Pursuant to 15 USC 1692a ( 6 ), Discover Financial Services d/b/a Discover Bank is a debt collector. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX, have been violated by Discover Financial Services d/b/a Discover Bank and my privacy has been breached pursuant to several federal laws that protect my rights as a consumer. Discover Financial Services d/b/a Discover Bank is civilly liable for each violation. 
I sent a tender/money order for special deposit on the account ending in XXXX on XX/XX/2021 pursuant to 12 CFR 204.2, U.C.C. 3-601, U.C.C. 3-603, U.C.C. 3-604, U.C.C. 3-311. Discover Financial Services d/b/a Discover Bank did not adjust my account in accordance with the special deposit sent nor did they send proper notification that they dishonored special deposit. In the event Discover Financial Services d/b/a Discover Banks dishonor through non-performance and non-response was unintentional or due to reasonable neglect or mistake, in a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card, on XX/XX/2021, I sent a Notice of Default and Opportunity to Cure to Discover Financial Services d/b/a Discover Banks customer service XXXX XXXX and a Notice of Default and Opportunity to Cure to Discover Financial Services d/b/a Discover Bank Corporate Headquarters ATTN the CFO XXXX XXXX XXXX, giving them the opportunity to send confirmation that my account/open end credit plan had been adjusted in accordance with the special deposit in full settlement of the alleged obligation sent on XX/XX/2021 or send a Notice of Dishonor to allow me to cure any defects. Discover Financial Services d/b/a Discover Bank failed to do either and continued to attempt to collect the disputed alleged obligation. 
In their continued attempts to collect the disputed alleged obligation, Discover Financial Services d/b/a Discover Bank repeatedly violated SEVERAL of my federally protected rights as a consumer in every communication with me and third party consumer reporting agencies. In response to this, pursuant to 15 USC 1692c ( c ), I sent a Cease-and-Desist demand to Discover Financial Services d/b/a Discover Bank on XX/XX/2021 in which Discover Bank is in receipt of as verified by USPS return receipt, with four ( 4 ) exhibits containing each violation I found labeled and highlighted, as well as an attached invoice for the violations pursuant to 15 USC 1692k and 15 USC 1681n. In addition, pursuant to 15 USC 1692c ( c ) ( 2 ), I invoked my specified remedy as a consumer, natural person, and the ORIGINAL creditor and demanded the following : 1. Zero out the balance on this account 2. Apply a permanent credit to XXXX XXXX XXXX open end consumer credit plan account ending in XXXX in the amount of {$10000.00} 3. Pay the invoice attached for breach of violations and damage sustained in the attached exhibits. Discover Financial Services d/b/a Discover Bank received the Cease-and-Desist demand, attached exhibits with violations, and attached invoice on XX/XX/2021, as verified by the USPS green return receipt returned to me. Still, Discover Financial Services d/b/a Discover Bank has continued to violate me and my federally protected rights as a consumer, harass and abuse me, and harm my reputation and injuring my credit score in their continued communications and attempts to collect the disputed alleged obligation. 

On XX/XX/2021, I received notification from the third party consumer reporting agency, XXXX, that Discover Financial Services d/b/a Discover Bank had continued the adverse reporting injuring my credit score and reputation, and closed my line of credit on account ending in XXXX. Discover Financial Services d/b/a Discover Bank NEVER sent me proper notice of this action PRIOR to communicating this information with the third party. After making several calls to Discover Financial Services d/b/a Discover Bank demanding I be mailed proper notice of this action for my records, I received a letter dated XX/XX/2021 from agent, manager XXXX XXXX. In said letter dated XX/XX/2021, agent, XXXX XXXX, finally acknowledged that Discover Financial Services d/b/a Discover Bank was in receipt of my Notice of Default and Opportunity to Cure dated XX/XX/2021, still dishonoring the notice, the special deposit, as well as my open end credit plan pursuant to 15 USC 1602 ( j XXXX ( an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance ). In addition, in the letter dated XX/XX/2021, Discover Financial Services d/b/a Discover Bank had disabled accesses to my account but has no authority to authorize use of my credit card or ANY account associated with my open end credit plan pursuant to 15 USC 1602 ( p XXXX - unauthorized use. According to the agent, XXXX XXXX, Discover Financial Services d/b/a Discover Bank permanently closed Discover Card account ending in 5753 as a result of my good faith attempt to obtain satisfactory resolution of a disagreement or problem relation to the transaction from the person honoring the credit card. This is an individual act against 15 USC 1691 ( a ) ( 3 ) and constitutes discrimination in which Discover Financial Services d/b/a Discover Bank is civilly liable pursuant to 15 USC 1691e. Civil liability under this code is up to and more than {$10000.00} pursuant to 15 USC 1691e ( a ) ( b ). 
On XX/XX/2021 I received notification from the third party consumer reporting agency, XXXX, that Discover Financial Services d/b/a Discover Bank had continued the adverse reporting injuring my credit score and reputation by furnishing/reporting that my open end credit plan/account ending in XXXX is 30 days past due. Not only is this a complete disregard of my good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card, it is a violation of my Cease and Desist demand, in which Discover Financial Services d/b/a Discover is in receipt of as verified by USPS return receipt, Pursuant to 15 USC XXXXk.

Discover Financial Services d/b/a Discover Bank is civilly liable for the damages I have sustained as a consumer, natural person, and original creditor of an open-end consumer credit plan for account ending in XXXX as a result of the continued violations breach of privacy, and abusive practices.