Consumer complaint received 2022-07-24 00:00:00
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
State: AZ

Complaint narrative:
Account Number : XXXX I have reasonable cause to believe that I have been extorted! 

Discover Financial Services is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. 

Discover Financial Services and the Consumer Reporting Agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Discover Financial Services along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for nonrepayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 

I would like XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. 

In a letter ( see Exhibit A ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in XXXX. 

As the true beneficiary, this has been done without my lawful consent. I would like the names of everyone involved in this conspiracy against my rights. 

In response to your request for validation of your debt with us, we found the account and balance to be valid. 

XXXX XXXX has certified thorough his finding that the debt is valid. I would like to bring a few matters to your attention as you are now implicated in this matter. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. 

Enclosed please find : Copy of the statement ( s ). 

I am aware that copies of statements are not validation of debt. 

Also, in a letter ( see Exhibit B ) from Discover Financial Services dated XX/XX/XXXX, XXXX XXXX stated, This letter is in response to your request for validation of your debt with us. We found the account and balance to be valid. 

XXXX XXXX has certified thorough his finding once again the debt is valid. 

According to our records, this account was opened in your name as an individual account XX/XX/XXXX. 

I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 

I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. Without clarifying of this account, the allegation that I was loaned anything of value is hearsay. Upon clarification of this account, this would either confirm or denounce any notion that I was swindled with a fraud Agreement. If upon this clarification of the account it shows that my social security number funded this account and I was never actually loaned anything of value, this would be a violation of 18 U.S. Code 1341 and proof the XXXX and XXXX of Discover Financial Services have knowingly and willingly engaged in racketeering activity with the consumer reporting agencies they do business. 

The information you provided was verified with a credit reporting agency based on the request to open the account. 

I would like to take a look at this agreement that requires a financial institution to disclose my nonpublic personal information to nonaffiliated third parties without my lawful consent. 

Enclosed are copies of the last 12 months of billing statements for the account. 

I am aware that billing statements are not validation of debt. 

The terms of your account and your agreement to pay are outlined in the Cardmember Agreement. 

I am aware that Discover Financial Services did not fully disclose the nonpublic personal information in their Agreement. 

Additionally, in a letter ( see Exhibit C ) from Discover Financial Services dated XX/XX/XXXX, the Credit Bureau XXXX stated, We have conducted an investigation and below are our findings. 

The Credit Bureau XXXX has certified through their investigation that the debt is valid. I would like to bring a few matters to your attention too as they are now also implicated in this matter. 

Previous charges and payments are explained in detail by the billing statements sent separately. 

I am aware that billing statements are not validation of debt. 

You provided us with your name, address and identifying information. 

I am aware that personal information is not validation of debt. 

As a result of the above, the account and balance are considered valid. 

I will need this documentary evidence to insure that Discover Financial Services isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. I am aware that the XXXX XXXX XXXX is the only person in the company that has actual knowledge and can certify the books of accounts. 

Furthermore, Discover Financial Services has taken adverse action against me ( see Exhibit D ), with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 FCR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. XXXX makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. 

My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Discover Financial Services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Discover Financial Services to furnish any late payments to my consumer report. It is my belief that due to Discover Financial Services business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 

I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Discover Financial Services has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. 

This is my last and final attempt to address this matter before escalating this matter to a United States XXXX XXXX and insuring that everyone involved in this conspiracy is brought up on charges. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved Cc : Corporations Implicated : - Discover Financial Services - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX of Discover Financial Services XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX Discover Financial Services XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation