Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Information Contract Audit, Full Disclosure of Security Interest, and Documentary Evidence Account No. XXXX Dear DISCOVER BANK, I trust this correspondence finds you well. In alignment with our commitment to maintaining the highest standards of compliance and transparency, we are conducting a comprehensive audit of our contractual engagements. As part of this process, we respectfully request your cooperation in providing the following documentation and information related to our contract dated. 


Requested Information : Contract Documentation A complete copy of the original contract, including any amendments or addendums. 
Any ancillary agreements or documents relevant to the principal contract. 
Financial Records Copies of all invoices issued and payments received in relation to this contract. 
Relevant account statements or financial reports reflecting transactions associated with the contract.

Performance Metrics Documentation of any Service Level Agreements ( SLAs ) established within the contract.

Reports or logs detailing the delivery of goods or services as specified in the contract. Compliance Documentation Evidence substantiating complian
ce with all applicable laws and regulations pertinent to the contract.

Any audit trails or documentation providing a comprehensive history of transactions and communications concerning the contract.

Communication Records Relevant correspondence, including emails, letters, or other communications clarifying obligations or issues related to the contract. 
Minutes from meetings discussing contract performance or modifications. 
Internal Policies and Procedures A synopsis of your internal policies regarding contract management. 
Documentation outlining your risk management protocols in relation to contract performance. 






Request for Full Disclosure of Security Interest : Pursuant to XXXX of the Uniform Commercial Code, we formally submit the following requests : Request for Accounting : Please provide an authenticated record detailing the unpaid obligations secured by collateral, reasonably identifying the transaction or relationship that is the subject of this request. 
Request Regarding a List of Collateral : Kindly approve or correct the list of collateral securing our obligations under the contract. 
Request Regarding a Statement of Account : Please approve or correct a statement indicating the aggregate amount of unpaid obligations secured by collateral as of a specified date.

Additionally, we request full disclosure of the security interest associated with this account, including but not limited to the nature, scope, and extent of the security interest, as well as any related documentation or filings. This disclosure is essential to ensure transparency and compliance with applicable laws.

Request for Documentary Evidence : In accordance with 12 CFR 1026.13 ( a ) ( 4 ), ( 5 ), and ( 6 ), we also request the following documentary evidence : Failure to Credit Payment or Credit : Any documentation related to a reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. 
Computational or Accounting Error : Any documentation related to a reflection on a periodic statement of a computational or similar error of an accounting nature made by the creditor. 
Request for Additional Clarification : Any documentation related to a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. 


Reporting to Credit Bureaus : If your organization reports information pertaining to this account to credit bureaus, we kindly request that you provide all reported information to facilitate a secondary audit. This includes any data submitted to credit reporting agencies regarding the account 's status, payment history, or other relevant details. 


Deadline for XXXX : In accordance with XXXX ( b ) of the Uniform Commercial Code, we request that you comply with this request within 14 days of receipt by providing the requested information and authenticated records. Should you require additional clarification or have any questions regarding this request, please do not hesitate to contact me directly.

We appreciate your prompt attention to this matter and look forward to your timely response. 

Yours sincerely, XXXX XXXX XXXX XXXX All rights reserved

Company response to consumer: Closed with explanation