Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MS

Complaint narrative:
This complaint concerns Discover Banks ongoing and unlawful attempts to collect and enforce a debt that does not belong to me, their creation of a new account I did not authorize, their repeated contradictory actions regarding fraud determination, and their refusal to comply with multiple provisions of the FCRA, FDCPA, and ECOA.

Despite repeatedly claiming the account is valid, Discover has : 1. Deleted the account from credit bureaus multiple times, 2. Reinserted it without following FCRA 611 ( a ) ( 5 ) ( B ), 3. Opened a new account in my name without authorization, 4. Changed the balance multiple times with no explanation, 5. Failed to provide ANY required evidence proving I opened the account, 6. Ignored multiple lawful validation requests, 7. Misrepresented facts, 8. Created substantial emotional distress and financial harm, 9. Handled this matter in a manner that raises concerns regarding fairness and equal treatment under ECOA.

1. THE ORIGINAL ACCOUNT WAS OPENED WITHOUT MY CONSENT Discover claims that because my personal information was used, I am automatically liable.

This is incorrect under FCRA 1681m ( g ) and 1681c-2 : A consumer is not liable for any debt resulting from an unauthorized or fraudulent account, even if the thief used accurate personal information.

Discover STILL has not provided : A signed application IP address or device information Any digital trail showing I opened the account Any evidence that I knowingly agreed to the terms Any evidence that I benefitted from the alleged account Discover simply repeats conclusory statements, not evidence.

2. DISCOVER CLOSED THE ORIGINAL ACCOUNT AS FRAUD THEN REVERSED THEMSELVES In their own written communications : They closed account XXXX as FRAUD on XX/XX/year>. 
They then declared no fraud occurred.

They then opened a NEW account ending in XXXX in my name without my authorization. 
They then adjusted the balance multiple times ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
No legitimate investigation changes a balance four times.

This is the definition of an inconsistent and unreliable investigation under FCRA 1681s-2 ( b ).

3. DISCOVER CREATED A NEW ACCOUNT WITHOUT MY PERMISSION Opening a replacement account in my name ( XXXX ) without my knowledge or agreement is : Identity abuse A violation of FCRA A violation of FDCPA 805 A deceptive practice under UDAAP standards This alone warrants full deletion of the debt AND the account.

4. DISCOVER FAILED TO PROVIDE REQUIRED VALIDATION Under FCRA and FDCPA, once a consumer requests validation, the furnisher must provide actual proof. 
Discover has provided XXXX legally recognized evidence. 

5. DISCOVERS RESPONSE TO MY PRIOR CFPB COMPLAINT WAS INADEQUATE AND NON-RESPONSIVE Discovers XX/XX/year> letter : Repeats old statements Provides no new evidence Ignores my requests entirely Fails to address the unauthorized new account Fails to explain multiple balance changes Misrepresents their own prior actions This is not a response. This is an evasion.

6. SIGNIFICANT EMOTIONAL, FINANCIAL & PERSONAL DISTRESS Discovers actions have caused : Increased XXXX  Missed financial opportunities Fear of answering unknown calls Disruption to daily life Reputational harm Mental anguish Their mishandling has created ongoing emotional distress, legally recognized under UDAAP harm. 

7. CONCERNS REGARDING FAIRNESS & EQUAL TREATMENT ( ECOA ) Given the extreme inconsistency in Discovers actions and their refusal to follow standard protections afforded to victims of identity theft, I must express serious concern that I may not be receiving the same level of protection and seriousness afforded to other consumers in similar circumstances.

I am not alleging discrimination but the pattern raises ECOA disparate treatment concerns that warrant further regulatory scrutiny.

Company response to consumer: Closed with non-monetary relief