Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from a local number that I didn't recognize. I sent it to voicemail however it didn't leave a message. I tried calling the number back but it stated " this number doesn't take incoming calls ''. The number called again, so this time I answer and the voice on the other side says " This is a locating service and we have a debt that is pending lawsuit against you and we can only give you a ID number and a phone number to call to get this resolved ''. This was a surprise to me because I didn't remember receiving any letters of notification on any legal matters. I called the number they gave me and gave the receptionist the ID number XXXX and I was transferred to XXXX ID # XXXX. XXXX stated that " she was with XXXX & XXXX and was collecting on a Discover Card account and they have made several attempts to collect on this debt and she was looking at my credit report and she can see that this debt is mine from XXXX ''. I then replied " this is not my debt because I have never in my life had a Discover Card ''. She basically said " its on your report and we are going to file suit against you for this debt and you will be liable for much more ''. I explained to her that I am a State of Texas License Mortgage Loan Originator and I look at my credit all the time and she said " There is no way that you can be a mortgage Loan officer with the debt on your credit report '' She then began to call off other debts to validate her point to me. I then asked her " who gave you authorization to pull my credit because I didn't ''? She stated " They didn't need my authorization because they are bonded and insured and they have the right to pull credit unknowingly to the consumer ''. Before I could get to tell her that " I was a victim of Identity Theft '' she hung the phone up. I called back and asked the receptionist could she give me the person I was speaking with on the prior call and she transferred me back to XXXX. I then asked for all of the company 's information as I was going to file a complaint on the CFPB website. She stated that " You're just making threats and we are still going to file suit ''. I then researched the company and found the following : Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX Received transaction authorization to sign in the middle of page states cancellation policy must recover a written signed cancellation letter within 90 days of debt transaction. The letter must be sent with tracking such as email to support at ****** and *********m or u.s. certified mail what the letters received a full refund will be issued back to the card that was used for the transaction. What is this about. 

Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX This company XXXX and XXXX called me and stated i took out a loan in XXXX and was paying on it until XXXX. The claim it was on my credit report in which i pulled back in XXXX and didnt see anything on it. They claimed i owed over {$1000.00} but they will settle for $ 600+. I know for a fact that i did not take out any personal loans. When asked what company they didnt have that information. They said they would garnish my check if i didnt pay. Ive read reviews and pretty much think this is a scam. Can someone please help me out. They gave me a phone number XXXX XXXX XXXX XXXX XXXX. Please look into this company before they take money from me.. 

Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX They are using a third party to make contact to have you contact them. This is in reference to am account that eased supposed to have been paid off. Why is it still in collections. The account is 18 years old. The company they are representing is XXXX XXXX. The name of the company that contacted me in XXXX was XXXX XXXX. They started a letter was delivered to my address but she couldn't tell me if it was signed for. Now they stress trying to garnish my wages. I have never been sent any letters being certified or just regular because the account should have been paid off. I need the harassment to stop. 

Complaint Type : Billing/Collection Issues Status : Unanswered XX/XX/XXXX A XXXX XXXX company contacted me and gave me the information for this company. When I called the company at # XXXX and gave them the ref # I was given the lady that answered the phone was threating me with a set to seek a judgement against me in amt of {$1100.00}. I asked her what this was pertaining to and she stated that it was credit card opened in XXXX with mastercard and that they have a paper trail that was sent to me that I have NEVER received. I ask her to verify my address on file and she did an I informed her that I have not lived at that address in over 20 years so gave me another address and it was not correct at all. She informed me that I was my problem I did not get the information that was supposedly sent to me not hers. I hung up and called back and ask to speak with a supervisior she refused to let me speak with one then ask for a manager and she refused and processed to tell me I like the sound of my own voice. I told her to never contact me again and call ...

Company response to consumer: Closed with explanation