Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: CT

Complaint narrative:
CFPB New Complaint Narrative ( Follow-Up ) Related Original Complaint : Case # XXXX & XXXX submitted on XX/XX/XXXX I am submitting this complaint as a follow-up and update to my original complaint regarding Discover Bank and the related collection activity by XXXX XXXX, XXXX. 

Since submitting my original complaint : Account History & Payments : I had two separate Discover credit card accounts.

One account was settled for approximately {$7000.00}, and I was making regular payments via autopay monthly. 

The second account had an approximate balance of {$4000.00}. 

Improper Account Combination : Discover combined both accounts into a single balance without my consent or explanation. 
Autopay for the settled account was terminated without notice, despite ongoing payments. 

Lack of Response : ( have emailed and mailed letters on XXXX, XX/XX/XXXX, XXXX and XXXX without any response via mail or email ) I have repeatedly attempted to contact Discover AND XXXX for clarification regarding : Why the accounts were combined Why autopay was stopped The calculation of the current balance The status of the prior settlement Despite these attempts, Discover and XXXX has failed to respond or provide meaningful explanation. 

Collection Activity : I am now facing collection litigation by XXXX XXXX, XXXX, seeking to collect a combined and disputed balance that appears to include amounts from the previously settled account. 

I am being sued by XXXX XXXX XXXX on behalf of Discover Bank for alleged unpaid balances. This lawsuit is based on errors caused by Discover combining my accounts without my consent, which automatically stopped my autopay. Despite my repeated attempts to request information about a payment plan or clarification of the balance, neither Discover nor XXXX XXXX have responded or provided any documentation. 

It is improper and potentially illegal to merge accounts without authorization and pursue legal action for a balance that has not been explained. I have an email trail documenting my attempts to communicate with them, yet they continue to refuse to provide information or acknowledge my inquiries. 

This situation has caused significant stress and may negatively impact my credit. I request that CFPB investigate Discover Banks handling of my accounts, the unauthorized stop of autopay, and the circumstances leading to this lawsuit. I also request that any collection or legal action be reviewed until these matters are resolved. 
Request : I respectfully request that the CFPB : Review this follow-up and Require Discover Bank/ XXXX XXXX to provide a clear accounting for each account and explain the account consolidation. 
Ensure the prior settlement and payment history are properly recognized. 
Take any appropriate action to correct misrepresentations or improper collection activity. 

I cant submit documents showing the settlement, Bank statements showing autopay history and Copies of correspondence attempts with Discover.

Company response to consumer: Closed with explanation