Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL I. RECIPIENTS Discover Financial Services Executive Office : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Legal Department : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CFPB ( Case # XXXX, XXXX ) Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FDIC Division of Depositor Protection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FBI Financial Crimes Unit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney General Consumer Protection Unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC Bureau of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Reserve Board XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX U.S. Department of Justice , Criminal Division XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTICE OF CONSUMER LAW VIOLATIONS & WILLFUL AND ESCALATING VIOLATIONS Pursuant to 15 U.S.C. 1692k ( e ), formal notice of the following willful violations : Debt Trafficking ( Post-dispute collection of invalid debt ) Transferring {$11000.00} from fraud-closed account 4104 to 7866 violates : Regulation Z, 12 C.F.R. 1026.13 ( c ) ( Prohibited debt revival ) FDCPA 1692e ( 2 ) ( A ), FDCPA 1692g ( b ) ( False representation of debt ) Credit Reporting Fraud & Misrepresentation Reporting invalid debt as valid violates : FCRA 1681s-2 ( a ) ( 1 ) ( B ) ( Duty to correct inaccuracies ) Electronic Funds Theft - Pattern Unauthorized auto-debits post-debt cancellation : {$360.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX Violating : XXXX XXXX + XXXX XXXX. XXXX ( Unauthorized transfers ) 18 U.S.C. 1343 ( Wire fraud ) 18 U.S.C. 1029 ( a ) ( 2 ) ( Access device fraud ) Fraudulent Documentation Substitution Submitting XXXX Account XXXX docs to justify XXXX Account XXXX debits violates : 18 U.S.C. 1341 ( Mail fraud ) 18 U.S.C. 1001 ( False statements to federal agencies ) Racketeering Enterprise Pattern of illegal acts after debt cancellation violates : RICO 1962 ( c ) ( 18 U.S.C. 1962 ) III. VIOLATION CHRONOLOGY Date Violation Legal Authority XX/XX/XXXX Fraudulent debt transfer from account XXXX ( closed for fraud ) to XXXX 12 C.F.R. 1026.13 XX/XX/XXXX Written admission of debt invalidity : " You are not responsible for the balance of account XXXX '' FDCPA 1692e ( 8 ) XX/XX/XXXX Initial unauthorized debit ( {$360.00} ) EFTA 1693f XX/XX/XXXX False credit reporting persistence and submitted false payment authorization to CFPB 18 U.S.C. 1341, 1001 XX/XX/XXXX XXXX unauthorized debit ( {$350.00} ) after explicit notice of invalidity EFTA 1693f + 18 U.S.C. 1343 Ongoing Continued false credit reporting FCRA 1681s-2 ( a ) ( 2 ) ( A ) Despite providing DirectPay documentation for unrelated account XXXX ( XX/XX/XXXX ), Discover illegally debited {$360.00} from account XXXX post-cancellation ( XX/XX/XXXX ) and {$350.00} from account XXXX post-cancellation ( XX/XX/XXXX ).. 










IV. LEGAL DEMANDS COMPLIANCE DEADLINE : XX/XX/XXXX | XXXXXXXX XXXX XXXXXXXX Immediate Payment Block Cease all auto-debit attempts on account XXXX Debt Extinction Reduce Account XXXX balance to {$0.00} with written confirmation Credit Repair Delete all tradelines ( XXXX ) from XXXX, XXXX, XXXX, XXXX Provide sworn affidavits of deletion Restitution & Penalties Component Amount Legal Authority XX/XX/XXXX debit refund {$360.00} EFTA 1693f XX/XX/XXXX debit refund {$350.00} EFTA 1693f FDCPA statutory damages {$1000.00} 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) EFTA statutory damages {$1000.00} 15 U.S.C. 1693m ( a ) ( 2 ) ( B ) FCRA willful violation {$1000.00} 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) TOTAL {$3700.00} Payable via certified check to XXXX XXXX Compliance Certification & Admission of Violations Signed statement : " We have violated EFTA 1693f,18 U.S.C. 1029, 1343, 15 U.S.C. 1692k ( a ) ( 2 ) ( A ), 15 U.S.C. 1693m ( a ) ( 2 ) ( B ), and 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). We have complied per 15 U.S.C. 1681s-2, 1692g '' V. REGULATORY TRIGGERS Failure to comply initiates : FBI IC3 Referral For debt trafficking ( 18 U.S.C. 1028A ) and wire fraud conspiracy ( 18 U.S.C. 1349 ) CFPB Enforcement Action Seeking {$5000.00} per violation under 15 U.S.C. 1693o FDIC 1818 ( k ) Referral For " unsafe and unsound banking practices '' Federal Reserve Board Action For systemic Regulation E violations DOJ Criminal Referral For RICO violations ( 18 U.S.C. 1968 ) Federal Lawsuit Claims : FDCPA, EFTA, FCRA, RICO ( 18 U.S.C. 1962 ( c ) ), R.I. Gen. Laws 6-13.1-5.2 Damages : {$150000.00} + treble damages VI. EVIDENCE APPENDIX Discover Letter ( XX/XX/XXXX ) : Admission of non-liability - the debt cancellation letter Discover Letter ( XX/XX/XXXX ) : Fraud admission letter and false documentation DirectPay Enrollment ( XX/XX/XXXX ) : Issued for Account XXXX ( not XXXX ) Legally irrelevant per EFTA XXXX ( XXXX ) Bank Statement : {$360.00} debit ( XX/XX/XXXX ) Bank Statement : {$350.00} debit ( XX/XX/XXXX ) CFPB Case # XXXX : XXXX, XXXX Revocation Notice ( Copy attached ) XXXX. ULTIMATUM Discover 's second post-notice debit, along with all other actions, constitutes criminal racketeering under 18 U.S.C. 1961 ( 1 ) ( B ) and willful noncompliance under 15 U.S.C. 1681n ( a ). Failure to fully comply by the deadline will result in : Temporary Restraining Order ( XXXX Super. Ct. Civ . Rule 65 ) freezing all account activity Expedited RICO Lawsuit seeking treble damages and asset seizure DOJ Criminal Complaint for wire fraud conspiracy SIGNED UNDER PENALTY OF PERJURY XXXX XXXX X Date : Legal Preservation Notice : This demand does not waive any rights under federal or state law.

Company response to consumer: Closed with explanation