Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX has breached their fiduciary duty and acted in bad faith. For numerous months, I begged XXXX to conduct a reasonable investigation into the accounts mentioned below. I was told on numerous occasions that the accounts were verified by the creditor. XXXX has gone as far as to say they will no longer investigate this matter. I have reason to believe XXXX had actual knowledge that the following organization induced me into adhesion contracts and was unjustly enriched because of it. I was unaware of any legally binding contract I had with any of the mentioned organizations due to the fact there was no mutual accent. I received no benefit from these credit transactions. 

XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX BANK XXXX XXXX {$7400.00} DISCOVERBANK XXXX {$11000.00} XXXX XXXX {$4800.00} I have reason to believe my financial institution targeted me because they knew I wouldnt be able to understand the contents or procedures for opting out of a contract. My nonpublic personal information was used against me under false pretenses to coerce payment on these extensions of credit. I was never explained how to opt out of the disclosure any negative information that would jeopardize my consumer reputation if I didnt adhere to the terms. 

Upon further investigation, I uncovered that I was induced into an unconscionable adhesion contract that I feel would have been uncovered by XXXX if a reasonable investigation would have been conducted. I was told by these organizations that I would be receiving an cardholder agreement and loan disclosures of terms I had to adhere to. I was never given an option to opt out of anything. I would never knowingly agree to terms and conditions that would adversely affect me my right to operate in commerce and force me into peonage. Given the option, I would have chosen another financial institution. The mentioned organizations have engaged in racketeering activity by taking action to enforce these adhesion contracts and XXXX was knowingly complicit in this conspiracy to engage in human trafficking. 

This fraudulently furnished information violates TILA, FCRA, GLBA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, CFPA and RICO Act. In accordance with TILA, the finance charge is the sum of all charges. The above-mentioned financial institution included a provision in their agreements to embezzle my monthly credit balance. I would have never agreed to that provision if I was made aware that it existed. All payments made on this account were a result of threat, duress, and coercion due to undue influence. 

I explicitly disaffirm any alleged contract, whether, implied or explicit, between I and the financial institutions mentioned above. Due to unauthorized use of a credit card due to the above organizations acting in bad faith, XXXX was unjustly enriched. 

I am requesting copies of documentary evidence of the obligors indebtedness to the above-mentioned financial institutions. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The above-mentioned creditors may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

I disaffirm any alleged agreement or provision, whether implied or explicit, with XXXX that allows the furnishing of negative information to nonaffiliated third parties. I would never knowingly consent to the furnishing of any negative information that would jeopardize my consumer credit reputation with other financial institutions.

Company response to consumer: Closed with explanation