Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Card closed case number XXXX on XX/XX/XXXX. On XX/XX/XXXX, I immediately started getting BOMBARDED with very bizarre, very invasive and scary e-mails from a supposed loan company calling themselves XXXX XXXX XXXX. Their e-mails make a very deliberate effort to look like someone with my personal information is applying for a large loan, when Ive never even heard of this company. Their e-mails show the last four digits of my SSN, my birthday ( off by exactly one month ), and my mobile phone number. Every previous CFPB case Ive filed where Im just trying to understand where this company came from has ended up in an unresolved black hole. They have a website, but its just filled with placeholder information and a Staff page comprised of reused photos of people from other companies. Their e-mails come from multiple bank domains. CFPB kept forwarding my reports to the FTC, because apparently no one can verify what this XXXX XXXX company actually is. This is very, very exhausting and confusing. And for the past four months, while this XXXX mystery kept attacking me, Ive been going through another horrific experience with another creditor : XXXX XXXX and their crummy unethical legal representatives, XXXX XXXX XXXX. They casually violate consumer disclosure laws by refusing to answer my serious concerns about my XXXX account. They lied and said I stopped making payments to justify a brute-forced lawsuit against me last year. They MIGHT be related to some new identity theft problems Im having, but I'm not sure. They hired a dodgy local attorney named XXXX XXXX, who used some fake-friendship routine at the last minute to make sure I didnt even have a trial about any of this. And every now and then, XXXX XXXX  XXXX takes potshots at my stressful mental state to further treat me like garbage. I could sit here writing essays about how my accumulated family problems lead to my money problems. But let me try to put this into the most straightforward perspective : Ive already been legally toyed around with by backstabbing, childish family members RIGHT after my father died from XXXX in XXXX, and in every year since then. Ive already been legally and financially violated. Ive had every basic human right and every estate survivor right ripped away from me by demented family trolls playing Hide and Seek games in e-mails and social media. The primary reason I cant promptly pay off my debt right now is due to half-a-dozen unresolved legal arguments constantly being hidden in the dark. AND THEN lawyers like those from XXXX XXXX pop out in their clown car and start doing their horrendous consumer-rights-violating comedy routine. So, Im a little on-edge over the whole debt / creditor situation right now, to say the very least. BUT thats an entirely different case, with an entirely different creditor, and I HOPE I never wind up in a similar malicious relationship with Discover Card. Heres what I need to know from Discover Cards representatives : What the heck is XXXX XXXX XXXX? Why did they start their games on the same day you were writing your response CFPB case XXXX? Do you have ANYTHING you can tell me that can help me understand this?

Company response to consumer: Closed with explanation