Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
To whom it may concern, I XXXX XXXX the living woman soul of the All caps name XXXX XXXX. I received a statement of account and I placed a restrictive endorsement on my statement pursuant 31cfr 328.6 and and paid to The order of XXXX XXXX  and along with a letter statement defining what a statement of account. The perforated coupon attached to the bond was endorsed and sent to the billing error department. The dividend check I received through my credit application with my social security number with the blank endorsement ; I gave you security. I gave you something of value by bartering with my security and I need a fair exchange. I sent the payment with express mail and it was delivered on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX and signed by XXXX XXXX. I know for sure you received it. Honor and discharged the debt and any obligations. According to 18 usc 8 " The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' If all obligation is owed to the united states then I the living woman don't owe any debt ; infact I granted you credit. UCC 3-603 TENDER OF PAYMENT " ) " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. By sending the remittance coupon and with restrictive endorsement it is considered discharged. Please don't close my account and restore the credit and stop asking me to set a payment plan when no such thing is needed. I don't owe any debt and would like to rescind the security agreement attached to the any adhesive contracts. According tothe postal rule, when an offer is accepted by post, the parties to the agreement are legally bound as soon as the letter accepting the offer is posted, regardless of whether the letter is later received by the offeror or not. UCC 2-206 ( a ) an offer to make a contract shall be construed as inviting acceptance in any manner and by any medium reasonable in the circumstances; etc... according to the credit card contract you stated that you will not share my personal information with any third party which are the for profit credit reporting agencies. The only bureau is the consumer protection bureau. All other agencies have assumed the role but have no standing. As a consumer I have a right to privacy pursuant 5 USC ( the privacy Act of 1974 ). You will be dishonoring the law and the the terms and conditions of the contract. You can not report and furnish my personal information to these companies without my consent. You are threatening to close my account which is not right and report my account as delinquent. That is false. I responded promptly to discharge the alleged " debt. '' If you claim I owed a debt send me the true bill and not the the statement of account. I don't see any negative numbers just positive numbers. I also sent you a similar message in my online banking app with similar verbiage. Check the messages in the online app. There is the same correspondence. If there are any discrepancy let me know and I can fix it promptly and please respond back to this promptly. I will like to resolve this matter amicably. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation