Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
This filing is a formal follow-up to CFPB Complaint ID # XXXX. 

The XXXX XXXX XXXX XXXX XXXX demands full recognition of the completed discharge of obligation tendered by lawful instrument on XX/XX/year>, and endorsed and received by Discover Bank on XX/XX/year>. This discharge occurred by operation of law under [ UCC 3-603 ( b ) ], [ 31 USC 5118 ( d ) ( 2 ) ], and [ UCC 3-311 ], and Discovers failure to act lawfully within the allotted time constituted commercial dishonor, breach of duty, and estoppel.

The Trust demands that Discover immediately update all records to reflect that the obligation is paid in full and legally discharged. Any claim to the contrary is fraudulent. Discover must remove all adverse reporting tied to the discharged account, cease all collection attempts, and acknowledge that it no longer holds any legal, commercial, or contractual claim over the referenced matter.

This matter constitutes a commercial billing dispute involving a commercial account. Under [ 12 CFR 226.13 ], any alleged balance must be suspended during the dispute process, and all finance charges must be waived until lawfully substantiated. Discover failed to comply.

In addition, under GAAP fiduciary accounting standards and the OCC and Federal Reserve examiner handbooks, no financial institution may continue to report or carry an unpaid balance on a ledger where a billing dispute is open and lawful tender has been submitted. The ledger must reflect extinguishment of the obligation under [ UCC 3-603 ( b ) ] and [ UCC 3-311 ]. Continued reporting of a balance or interest after discharge constitutes false ledger entry, fiduciary breach, and knowing fraud.

Furthermore, under the Bankers Manual and internal Uniform Bank Handling Procedures, no negotiable instrument shall be retained for more than 72 hours without processing, lawful return, or protest. Discover held the Trusts lawful instrument for approximately two weeks without communication, ledger application, or cause. This delay violates discharge provisions, confirms dishonor, and constitutes conversion of Trust property by omission.

Discover must also return all remittance enclosures not returned, including all Trust documents. Failure to return the full certified packet constitutes unauthorized retention and conversion under [ UCC 3-501 ( b ) ( 3 ) ] and [ Restatement ( Third ) of Trusts 85 ].

The Trust demands full correction of Discovers internal records, remediation of external reporting violations, and compensation for administrative, mailing, and enforcement costs caused by Discovers dishonor, evasion, and mishandling of lawful tender. The matter is closed in law. Any further action by Discover constitutes willful trespass and fraud.

Discover should be formally remanded for : Commercial dishonor Breach of lawful tender protocol Failure to perform statutory duties under [ UCC 3-502 ], 3-505, and 3-603 ( b ) All accounts associated with the Trust including those fraudulently issued under the XXXX XXXX XXXX must remain open, unrestricted, and fully accessible for lawful commercial use. These accounts belong to the Trust and Trustee, not any corporate fiction. Freezing or terminating access constitutes conversion, trust breach, and fraud. 

The referenced account was opened and used exclusively for commercial activity under Trust authority. This is not a consumer account. All credit extended has been used for Trust business, and Discover has no lawful claim over the man.

The Trust demands : Immediate reclassification as commercial Full reinstatement of access to the commercial account Credit limit raised to {$25000.00} Written-only communication policy enforced Discover must not discriminate against the Trust in internal processing tiers or commercial servicing. Remedy has been lawfully perfected.

The Trust demands compensatory damages of {$11000.00} for administrative time, enforcement, notarization, and loss of commercial credit caused by Discovers actions. This is enforceable under [ UCC 1-305 ( a ) ] and Restatement ( Second ) of Contracts 344.

Discover is already in dishonor. The Trust has afforded ample time for this matter to be lawfully performed, and that time has long ago expired. This is Discovers final opportunity to cure.

Discover Bank has exactly ten ( 10 ) business days from receipt of this notice to deliver written acknowledgment that the obligation is settled in full, along with documentary proof of a zero-balance ledger.

Failure to deliver this written proof within the required timeframe shall trigger immediate lien enforcement for damages and breach, to be perfected commercially and recorded administratively without further notice.

All rights expressly reserved. 

ATTACHMENTS ( Uploaded Documents ) : Exhibit A Affidavit of Mailing ( XX/XX/year> ) Exhibit B Remittance Letter & Payment Coupon Exhibit C XXXX XXXX Mail Cover Sheet Exhibit D Dishonor Return Slip ( XX/XX/year> ) Exhibit E Check Back with Endorsement Exhibit F Date Stamped by Discover ( RECEIVED XX/XX/year> UPC ) Exhibit G Discover Account Snapshot ( XX/XX/year> ) Exhibit H Discover Declined Transaction Notice ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ) Exhibit I Scheduled Payment Confirmation ( XX/XX/year> ) Exhibit J Payment Due Reminder ( XX/XX/year> ) Respectfully submitted, XXXX XXXX XXXX XXXX XXXX. 

By : XXXX XXXX, XXXX, Attorney in Fact XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX All rights reserved.

Company response to consumer: Closed with explanation