Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an envelope from United States Priority Mail from Discover Customer Assistance And Recovery, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. In this letter I received, Discover is threatening me if I do not make a payment to them before XX/XX/XXXX, they will refer this alleged account to an attorney to bring a lawsuit against me to collect on an alleged account # ending in XXXX of {$1700.00}. This account has been close for over a year due directly being critically injured in the line of duty in law enforcement, then being affected with XXXX XXXX medical complications and hospitalization, this account was closed and was entered into a customer assistance program, paying less monthly over a period of time. I believe at this time, the balance was close to {$8000.00} or slightly more. Since being in the agreed customer assistance program and making month payments of {$170.00} per month, the balance was eventually paid down to now {$1700.00}. This amount was to then be forgiven in a 1099c form from Discover as in discussions when this assistance program began. Now, since completing this customer assistance program, Ive noticed my method of auto payment through my bank was changed once I stoped any further payments due to completion of the customer assistance program. I did this as I noticed in XX/XX/XXXX that Discover continued to take another {$170.00} from my bank. I placed a stop payment on my bank to avoid this from happening again and also called Discover customer service to report this in an effort to stop any further withdrawals in the upcoming months by mistake. This did not stop as Discover used a different method of withdrawing another {$170.00} payment in XX/XX/XXXX by using a check payment method that I never agreed to or authorized. I immediately called my bank, filed the appropriate complaint and who informed me why the withdrawal by Discover as attempted due directly to Discover changing the payment method they would take but again without my permission. My bank had to add additional security to stop Discover from trying different methods of illegally withdrawing funds from my bank without my permission. I again called Discover and filed a complaint. Discover representative noted my complaint and removed my banking information to avoid any further confusion or attempts going forward to stop these illegal methods of trying to withdraw money from my bank illegally or by methods not authorized by me. Now Im receiving this letter dated XX/XX/XXXX with threats of retaliation such as lawsuits or collection efforts. I sent a cease and desist letter dated XX/XX/XXXX by certified mail, signature verification as proof to stop threatening me with such harassing letters and to stop contacting me pursuant to the Federal Fair Debt Collection Practices Act 15 USC 1692c ). I also inform Discover in this cease and desist letter that my income is Federally exempt social security and disability pension income. This letter of cease and desist letter was mailed out certified mail on XX/XX/XXXX with tracking # XXXX which is in attached pic, is in transit as of XX/XX/XXXX to Discovers location of business. It should be also noted that Discover has filed to charge off/ written of this account on my credit report instead of issuing the 1099c form as told to me. But, they now are also trying to threaten collection/ legal action to collect this alleged debt after already, for insurance purposes, charged off and written off this account but now trying to double dip in collections attempts along with threatening letters. This is a serious mistake by Discover and will be exposed for their illegal activity and harassing attempts of my consumer rights

Company response to consumer: Closed with non-monetary relief