Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover never disclosed that my signature on the application form credited them fully which is breach of contract and non-disclosure. It is a violation of 15 USC 1692 J : Furnishing Certain Deceptive Forms which is a {$1000.00} violation ; Discover did not have my permission to put anything on my credit report per FCRA Sect 604 & 15 USC 1681 ( a ) ( i ) and ( b ), and 15 U.S. Code 1681n which is a {$1000.00} violation ; truth in Lending Act says payment can not be late for any reason per 15 USC 1666 ( b ) ( a ) which is a {$1000.00} violation. The credit extended to me came from my Social Security Card number account initially ( 15 USC 1602 definition of credit card : ANY Card is a credit card, including my social security card from which the credit was initially extended from the application and signature ). Remove any late payments or negative items from my report based on the fact that my own credit was extended to myself ; Discover never disclosed that the bill was a Bill of Exchange and the statement was therefore positive credit which is non-disclosure ( see CFR 328.5 & 6 for endorsement of a security as proof of claim ) ; Discover gave my personal information to multiple consumer reporting bureaus without my written permission which was identity theft ; per the FTC which is {$1000.00} per violation of each credit reporting bureau ; Discover violated my right to privacy by sharing my information and not notifying me that I had the right to opt of of sharing to consumer reporting bureaus before sharing it to said bureaus per 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ), enforceable under 15 U.S. Code 6805 ; Discover have called and harassed me too many times to count = {$500.00} violation each call, but more than 6 times being the limit at {$3000.00} ; Discover contends that I failed to make payments, pursuant to the card agreement. I contend that Discover breached our contract at the date of signing the contract, by engaging in securities fraud. Upon execution of the contract, Discover fabricated bank credit by means of journal entry on their books while representing that they were loaning me money from existing capital. This is a failure to provide proper consideration, a fundamental requirement for any lawful contract. Thus, Discover lacks the right to enforce any terms of any agreements or claim title to any property ( the representing attorney for Discover, XXXX XXXX also threatened to take my only means of transportation as a senior woman, thus causing me harm and duress in not being able to get to medical appointments or do any work ) ; in order for a contract to be enforceable, the contract can not be secured with nothing, dollars are representations of nothing since 1933 ; both parties must put up a legitimate form of something to make it a legitimate exchange ; Discover needs to provide proof of their claim that they loaned anything at all from existing reserves or existing capital or show where it was not fabricated out of nothing ; any contract that was secured with debt can not be enforced ; Discover violated 15 USC 1692b acquisition of location information by sending a letter or an envelope that used a language or a symbol on the envelope or in contents that identified as trying to collect a debt from me is considered a violation ; this information was made public of collection status, without my permission and I was inundated with calls and letters from attorneys of which my significant other could see which is a trespass on my right to privacy ; the liability for Discover falls under 15 USC 1692k : section ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs ; i thank you for your assistance in the matter ; by : XXXX XXXX without recourse all rights reserved.

Company response to consumer: Closed with non-monetary relief