Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
The company called my husband XX/XX/year> first attempt to get a hold of me. On the message it stated I had 24 hours to call back. Never gave any information except I have been warned. I never got a phone call from this company myself. I called them on XX/XX/year> approx. XXXX. The gentleman answered the phone saying something fast i asked to repeat name saod it fast again. Finally got it amd the company name is XXXXXXXX XXXX XXXX XXXX XXXX out of California. The number given on my husbands voicemail was XXXX. I spoke to a gentleman that stated I owe a debt and I will be served by the courts if I do not pay and my credit will be affected. I advised the gentleman that I was not aware of this debt and it was originally under my previous married name. I have not gone by that in 15+ years. He said it doesn't mater it is a debt you owe. I said this is not on my credit report and he cut me off again saying it isn't but if not paid it will be. He then stated a letter was mailed to my address on XX/XX/year>XXXX  and I did not respond. I said I never received this said letter and I said I have been told this before by other debt collects and he cut me off and said what do you mean I said that they claim to mail a letter he said well we are not a debt collector and this will need to be paid or you will be served. I told him he did not have to be rude he said I am not being rude I am just being blunt. I asked for a validation letter and He did email me the letter that was dated XX/XX/year>XXXX  that he said was mailed to me. it gave me the credit card company name account number and said original debt was XXXX and we are offering a settlement of XXXX. And change. I said if this a debt I can not afford that amount all at once asked if they would be able to make pmt arrangements and basically cut me off and said no! This is what you need to pay. I asked for a phone number he gave me the same number I said I would like the actual lawyers office number he would not apply he would only give me the number I called I said when I XXXX this number it is associated with a scam and he said well this is the number and here is my extention XXXX. I called my husband and I said I am not sure what to do he said we can't afford that amount I said I told him that and he basically said all back when you figure it out. My husband is taking money out of his retirement for this but I am concerned this is a very old debt and I am being bullied into paying this with threats. Any other debt collector allows payments. I called this company back and was on hold for 10mins around XXXX after speaking to my husband and had to leave a message asked the gentleman to call me back after XXXX and I have not heard back from him. I did state in the message that he did not ever tell me his name and to please call me back. I feel this debt is over the staute of limitations for the state of NY. Being bullied by this gentleman is a horrible feeling I will also be contacting the attorney generals office

Company response to consumer: Closed with explanation