Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
On Thu, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : XXXXDiscover Financial Services** Please take note of the following information : XXXX XXXX XXXX XXXX, DE XXXX To the Executive Department of Discover Financial Services, I am writing to address recent communications regarding an account and balance that are not associated with me. I wish to formally inform you that these accounts will be removed due to an upcoming action. During the relevant period, I was XXXX XXXX  and unable to engage with the referenced account and balance. I possess documented evidence to substantiate this claim and am committed to resolving this matter comprehensively, including notifying the relevant credit bureaus and agencies. 

It is imperative to adhere to the proper dispute processes and protocols. The alleged account and balance are inaccurate and lack any legitimate connection to my financial portfolio. I categorically deny any association with them. Consequently, I kindly request that any further correspondence related to this account and balance be terminated. I am determined to find a resolution, particularly since this situation does not comply with established regulations and protocols. This follows a communication I received on XX/XX/XXXX, which instigated the removal and subsequent correspondence. This matter is serious and may result in penalties, as the Federal Deposit Insurance Corporation ( FDIC ) is also investigating the situation. 

Yours sincerely, XXXX XXXX -- - On Tuesday, XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX wrote : **Subject : Urgent Request for Removal of Account from Credit Reports** Dear Executive Office of Discover Card , I am writing to express my concern regarding the continued presence of an account on my credit files, despite prior assurances of its removal. Unfortunately, due to my XXXX, I have been unable to manage this account or its associated purchases. The account balance and ownership do not belong to me. I respectfully request the prompt removal of this account from all credit reports. Enclosed, please find the necessary documents, including a police report, a Federal Trade Commission ( FTC ) affidavit, XXXX verification, and multiple dispute letters. 

Despite having received two prior communications from your office, dated XXXX and XXXX, confirming the removal of this account from my credit reports, it remains listed. This repeated failure to honor your commitments constitutes a breach of several regulatory frameworks. I urge you to give immediate attention to this matter. 

Yours sincerely, XXXX XXXX -- - Please pursue this issue with all relevant authorities until it is fully resolved. 
XXXX XXXXXXXX XXXX would greatly appreciate your prompt attention to this matter. 

Yours sincerely, XXXX XXXX -- - **Discover App** Manage your account anywhere Please add XXXX to your address book to ensure the delivery of these emails. For tips on identifying authentic emails from Discover, please visit our email security page. 

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Discover XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation