Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
FCRA/FDCPA VIOLATION NOTICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 To : Discover Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Ongoing FCRA/FDCPA Violations Account XXXX XXXXXXXX Previous Dispute Dates : Multiple CFPB Complaints 1. Pattern of Willful Violations Discover Bank has engaged in repeated, knowing, and willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), despite multiple prior CFPB complaints and direct demands for compliance. 

Over the course of many months, Discover Bank has : - Admitted it does not possess the original, signed credit card agreement, yet continues to claim one exists ; - Submitted contradictory agreements XXXX in court filings versus XXXX in response to my CFPB complaint which are materially different and issued nearly XXXX years apart ; - Continued furnishing unvalidated and inaccurate account data to XXXXXXXX XXXX XXXX in direct violation of 1692g ( b ) and 1681s-2 ( b ) ; - Ignored repeated requests for lawful debt validation and correction of credit reporting errors, instead altering data fields without resolving the dispute ; - Misrepresented the creditor identity and account details, omitting required XXXX XXXX fields and dispute notations.

This is not a clerical error or isolated oversight it is a systematic pattern of misrepresentation, false credit reporting, and evidence manipulation. Discover Banks actions undermine the accuracy of consumer reporting, abuse the legal process, and flout the statutory protections Congress enacted to prevent exactly this kind of conduct.

2. Background Your XX/XX/2025 response to my debt validation requestsubmitted via prior CFPB complaintsfails to meet the requirements of the FDCPA, 15 U.S.C. 1692g, and constitutes additional violations under 1692e and 1692f. 

Despite your own admission in CFPB responses that the requested account-level validation documents do not exist, you have continued to report and update this tradeline to XXXX XXXX XXXX, thereby also violating the FCRA, 15 U.S.C. 1681s-2 ( a ) & ( b ).

The Cardmember Agreement you provided in response to my CFPB complaint is materially different from the agreement your attorneys submitted as an exhibit in the lawsuit. The lawsuits Exhibit purports to be XXXX, yet your own CFPB response includes XXXX. These are entirely different versions with different terms, issued nearly XXXX years apart. 

This blatant discrepancy demonstrates that Discover Bank either does not know which contract governs the alleged account, or is deliberately attempting to mislead by substituting an unrelated, outdated agreement into court filings. 
Even more damning, you have openly admitted you do not possess any signed credit card agreement for me, and instead have resorted to manufacturing evidence by inserting a newer revision of a generic cardmember agreement that I could not possibly have signed at the time you claim I entered into the account. 

This is not a clerical oversight it is a material misrepresentation of evidence in an active lawsuit, calling into serious question the authenticity, accuracy, and admissibility of all documentation you have produced. 

Once again, I demand that Discover Bank produce a signed copy of the agreement it claims I entered into. Until you produce that original, executed contract not a generic template or revision issued years apart your claims remain unsubstantiated and legally defective.

3. Failure to Provide Legally Required Documentation In my previous CFPB complaints, I specifically requested that Discover Bank provide full debt validation as required under the FDCPA, the FCRA, and applicable state law, including but not limited to : 1. Full legal name and address of the original creditor 15 U.S.C. 1692g ( a ) ( 2 ).

2. Complete itemization of the alleged debt ( principal, accrued interest, late fees, legal fees, and other charges ) 15 U.S.C. 1692g ( a ) ( 1 ) ; CFPB/FTC validation guidance.

3. Signed credit application or contract establishing the alleged obligation 15 U.S.C. 1692g ( b ).

4. Full payment history showing all credits, debits, adjustments, and charge-off details 15 U.S.C. 1692g ( b ) ; 15 U.S.C. 1681s-2 ( a ).

5. Proof of legal standing to collect and sue, including the full chain of assignment or proof of ownership post-merger 15 U.S.C. 1692e, 1692f.

6. Evidence of venue compliance 15 U.S.C. 1692i ( a ) ( 2 ).

To date, none of the above has been provided. 
4. Specific Credit Reporting Violations ( XXXX XXXXXX/XX/2025 ) A. Continued Reporting Without Validation Balance of {$16000.00} reported as Charge-off despite pending disputes and lack of legally sufficient validation Violates FDCPA 1692g ( b ) & FCRA 623 ( b ).

B. Post-Dispute Updates Without Resolution Date Updated changed to XX/XX/2025 without any material change to status or balance possible re-aging in violation of XXXX XXXX guidelines and FCRA 623 ( a ) ( 2 ).

C. Misleading Creditor Identification Account reported solely as Discover Card despite evidence that XXXX XXXX XXXX. may be the legal successor by merger Violates FCRA 623 ( a ) ( 1 ) ( A ).

D. Inaccurate and Incomplete Account Data Highest balance field is blank, despite known credit limit of {$13000.00} and balance exceeding limit at charge-off. Payment history omits date of first delinquency FCRA 623 ( a ) ( 5 ).

E. Improper Past Due Amount Reporting Past due amount equals the full charged-off balance ( {$16000.00} ), misleadingly suggesting the debt is actively collectible FCRA 623 ( a ) ( 1 ) ( A ).

F. Omission of Required Dispute Notation While Consumer Disputes Reinvestigation in Progress appears now, prior reporting periods during ongoing disputes did not reflect the required dispute notation FCRA 623 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief