Consumer complaint received 2024-06-11 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:
ubject : Urgent Request for Account Removal from Credit Files To the Discover Card XXXX Office, I am writing to address the continued presence of an account on my credit files, which your office previously indicated would be removed. Despite my efforts to resolve this matter, it remains unresolved. Regrettably, due to my XXXX, I am unable to manage this account and associated purchases. It is important to emphasize that the account balance and account ownership are not mine. I urgently request the permanent removal of this account from all credit reports. Enclosed are the requisite documents, including a police report, an FTC affidavit, and XXXX verification, along with numerous dispute letters. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX Dear Discover XXXX Team, I am writing to address the issue with my account at Discover XXXX XXXX. I have noticed that you have been deducting payments for this account, even though there is a balance on the account that does not belong to me. I have tried to bring this to your attention, but you have been unresponsive. 

In addition, you had sent me a letter in XX/XX/scrub> 2024, advising that this account would be removed from my credit files and that I wouldn't be responsible for it. However, you are now trying to hold me responsible for it, which is not correct. I have continuously followed up with you and have even filed a complaint, but you have yet to resolve the matter. 

I would like to request that all payments deducted from my account by Discover be refunded to me. If this matter is not resolved, I will be forced to claim with FTC and CFPB. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX  To : XXXX XXXX XXXX Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : DISCOVER CARD FRAUD COMPLAINT I have reviewed my updated credit report and noticed that the Discover Card Bank account is still showing. Despite receiving multiple deletion letter requests from both Discover and myself, this account and balance do not belong to me. 

I kindly request that you remove this account from my credit files and comply with the rules and regulations for credit card issuing. 

Thank you for your assistance. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX AM To : XXXX Office of Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : DISCOVER CARD FRAUD COMPLAINT Dear Discover Card, I have received multiple letters from you regarding an account that does not belong to me. Despite my confirmation that this account should be removed from my credit files, you continue to take payments for a balance that is not mine. Furthermore, despite my repeated requests, you have not taken any action to remove this account from my credit reports. 

I request a full refund for all payments made on this account, and I ask you to remove it from my records and credit reports promptly. 

Sincerely, XXXX XXXX Account Center Last 4 # : XXXX Discover logo Thanks for your payment Your payment of {$120.00} posted to your account on XXXX XXXX, 2024. 

Review Payment History Discover App Manage your account anywhere XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFER A FRIEND Discover logo Add XXXX to your address book to ensure delivery of these emails. See ways to help identify authentic Discover emails by visiting our email security page. 
IMPORTANT INFORMATION This email was sent to : XXXX for Discover card account number ending with XXXX. 
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Discover XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 2024 Discover Bank, Member FDIC XXXX

Company response to consumer: Closed with non-monetary relief