Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
To whom it may concern. 
I wanted the opportunity to appeal the decision on the account/ card ending ( XXXX ) and open an reasonable re-investigation XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) CFPB closed complaint # : XXXX I feel it was unjustified and investigated to the shortest extent. 
The final result stated there is no signature but only an electronic filing as well as a verified phone call thats recorded to receive a new card due to lost or stolen circumstances. 
I would like to bring to light that its common knowledge that a relative has all the documents and information to forge the identity of their victim. 
With that said, being XXXX XXXX XXXX at the time I had NO idea how to apply for credit nor did I give any consent to anyone to apply for any sort of line of credit. 
Furthermore, as years progressed, I was still unaware of the existence of these accounts because my father was fraudulently assuming my identity without my consent or knowledge. To accompany his malicious actions- XXXX was stealing/intercepting all mail regarding these accounts and information on them. 

Rightly, This should not affect my credit history and it should not be taken as a delinquent account nor should I ( XXXX XXXX XXXX ) take legal liability for this issue. 

XXXX XXXX is currently under investigation by XXXX XXXX police and has dates to appear in court for XXXX XXXXXXXX and to follow up with a restraining order. I am building a case to forward to an XXXX XXXX to present to the state attorney to pursue damages and seek legal action against my XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) I will add, Obviously with the restraining order in effect beginning XXXX XXXX XXXX Only then I began receiving all mail associated with these fraud accounts. That is why I have RECENTLY taken action to attempt to cease the legal and collective actions against me. 
To add- I have still not been allowed to appear in front of a judge to further clear my case from legal scrutiny. 

I implore you to reopen and re-investigate the case and be more diligent in the matter. The means of using and opening the account were not my actions. 
Its abundantly clear that a person trying to falsify their kin can use personal information to create and benefit from it, especially if its the father in this relationship and the entire process is an online-based opening/application. 
With this account being activated solely online and not in person it makes it even more obvious that it was fraud by my relative. 


You can also take into account that I recently disputed the phone number that belongs to XXXX XXXX XXXX XXXX ) - XXXX as well as the address that should also not be associated with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( reference to three credit bureaus ) I understand there are certain points of interest in the matter to protect the integrity and interests of this institution- but with this information regarding the use of the phone number that called in to continue the process of fraud and electronic filing- I believe it is only fair that I should be given the right to use this to defend myself in the matter.

I would like to detail the case and the response that came from the investigator who unjustifiably made a conclusion based on loose information. 
Also bear in mind that All accounts and references that are listed to defend Discover Bank were ALL electronic, digital, phone call transactions. All of which are tied to ( XXXX XXXX XXXX ) None whatsoever were in-person interactions. 
Using only those forms of interaction/communication further concretes my point of this being 100 % identity theft. 


The summary of the letter is re-stated below with my rebuttals to the falsely stated reasons that the assigned XXXXnvestigator claimed.

You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. 
( Response ) That was the fraud taking place and Discover allowing the person to open an account. 
There would be no reason for the criminal to cancel the account after being granted access. Again I stated- I was unaware of the existence so how can I possibly cancel this account? 

On XX/XX/XXXX, you contacted Discover passed verification and activated your card. 
( XXXX ) I ( XXXX XXXX XXXX ) did no such thing with the card or account. Again, that is the work of the one committing fraud. They have my personal information and the result was the criminal committing the fraud and intercepting the United States mail and using my credentials to activate the account. 

On XX/XX/XXXX, you contacted Discover to report the card lost/stolen and a new card was sent and activated via Discover 's automated phone system on XX/XX/XXXX. Consistent payments were made on the account through XX/XX/XXXX. 

( XXXX ) I ( XXXX XXXX XXXX ) did not contact Discover. This continues to verify that the user and theft were being handled by ( XXXX ) who had a selfish interest in the account. ( XXXX ) the criminal behind this made contact with Discover and verified the account to obtain another card. 
I subsequently had NO benefit whatsoever from these accounts and the claims of me making payments are loose at the seams. I made XXXX attempts nor did I contact Discover because I was still unaware of the account that was created with my information.

All things considered- I want to address that there seems to be FCRA violations regarding the nature of this account. 
The account was sold to a party under the terms that it belongs to XXXX XXXX XXXX. However there is sufficient evidence and information that would indicate this account is fraudulent and should be closed. 
Payments reported are clearly from another person, the address and contact are not ( XXXX ). 
The lists of potential violations is increasing as the days progress and I learn more about the situation and this case in particular. 
Other financial institutions have already withdrawn from seeking legal action against ( XXXX XXXX and have completely cleared all collection and wrongful debts. This situation is no different. 

With that said, Discover financial institutions allowed this to happen because of their foundation of security and with no recourse want to give accountability to the victim that has nothing to do with the situation. 
I will undoubtedly continue to lead in the direction of claiming this case and account are the product of identity fraud. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation