Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: WI

Complaint narrative:
Hello CFPB This is the letter I received from discovery and I want to dispute this debt for several reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - -RE-Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX right, We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB XXXX. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. According to our records, this account was opened in your name as an individual account on XX/XX/XXXX, through an application submitted on this same day. You provided your address, social security number, date of birth, and we verified the information based on the request to open the account. As the application was submitted via the internet, there is no signed application to provide. However, you did provide your electronic acknowledgement and agreement to the application terms and conditions. On XX/XX/XXXX, your account charged off due to non-payment with a balance of {$2200.00}. Subsequently, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, your accoun was placed with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for further collection efforts on our behalf. On XX/XX/XXXX, a lawsuit was filed in XXXX XXXX XXXX XXXX XXXX, and a judgment was obtained on XX/XX/XXXX. Copies of all available billing statements have been uploaded to the CFPB. You may contact our Customer Assistance and Recovery department at XXXX to discuss your account. As of XX/XX/XXXX, we were notified that you were working with a consolidator, and we have taken the appropriate actions to prevent future calls regarding the status of the account. Please understand that taking this action does not relieve you of your repayment obligation and may prevent us from being able to notify you of available repayment assistance or for other account servicing matters. We previously received multiple credit bureau disputes, which were completed accordingly. In each instance, you were found liable for the account and balance and that the account is valid and reporting accurately. We are unable to honor your request to alter previously reported account history, as it is a factual representation of what occurred. However, due to your dispute of the account, we have reported the account to the credit bureau reporting agencies as 'disputed ' and will continue to report it as such unless you tell us to stop reporting it as disputed. If you have any questions regarding the information reflected on your credit bureau reports from the account, we recommend contacting the credit bureau reporting agencies for assistance. The credit bureau reporting agencies that we report to are : Dear CFPB, I am filing a formal complaint against Discover Bank for multiple violations of federal consumer protection laws regarding my account ending in XXXX. 

Summary of Violations No Debt Validation ( FDCPA 15 U.S.C. 1692g ) : I never received a debt validation letter within the required 30 days.

Improper Litigation Venue ( FDCPA 15 U.S.C. 1692i ) : Discovers attorneys filed a lawsuit in XXXX XXXX, Arizona, even though I reside in XXXX, Wisconsin. This is an unlawful venue. 

Third-Party Disclosure of Private Information ( FDCPA 15 U.S.C. 1692c ( b ) ) : My debt information was disclosed to third parties without my consent.

Inaccurate and Unauthorized Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ) : Discover continues to report this debt without providing proof that I authorized them to share my private data.

Failure to Issue IRS Form 1099-C ( 26 U.S.C. 6050P ) : Discover charged off this debt in XX/XX/XXXX, yet never issued a 1099-C.

Continuing Collection Efforts After Charge-Off : Despite claiming charge-off status, Discover allowed law firms to continue pursuing me without proper transparency.

Relief Requested I respectfully request that the CFPB : Investigate Discover Banks handling of this account.

Compel Discover to provide full debt validation, including original signed agreements and a 1099-C.

Require Discover to cease credit bureau reporting until they comply with federal law.

Enforce penalties for Discovers repeated violations of the FDCPA, FCRA, and IRS reporting obligations. 

This matter has caused me significant harm and damage to my creditworthiness. I request your urgent intervention.

Company response to consumer: Closed with non-monetary relief