Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Card has refused to remove a debt from a bankruptcy from my credit report. First, we are talking about two entirely separate Discover Card accounts. One Discover card account was a part of a bankruptcy in XXXX, PA bankruptcy court. The bankruptcy that included this Discover Card account went final in XX/XX/2013. Several years after that account was gone. I, XXXX XXXX, took out another Discover Card. Discover filled the card, never notified me that they now felt I had reinstated the debt from the bankruptcy of $ XXXX and after sending me the New Discover card, with an entirely different card number, started to dun me for the debt from the bankruptcy. I paid off the balance of the Discover Card they had issued me, which did not show any balance other than the charges I had made on that new card, and began what has become a fight against Discovers bureaucracy to remove the $ XXXX debt that had been in my bankruptcy filing. Again, this seems straightforward. I had a Discover Card account that had a $ XXXX balance, that was wiped away in XX/XX/2013 bankruptcy filing going final. Several years later, I applied for another Discover card and received one with a credit line of {$1000.00}. After using it and paying on it, Discover said I had accepted the balance of the amount that had been part of my bankruptcy. Over {$5000.00}. I could not convince Discover that this was wrong on their part. I NEVER saw received any paper or phone call verbally saying I would pay them the dollar amount from the bankruptcy. I then paid off in full the Discover credit card they had just issued me, with a completely different account number than the old Discover card account number, that had been a part of my final bankruptcy. Discover seems to be taking some kind of glee out of this whole process. As if they know as long as they say I owe the money from the PRIOR Discover card account that was declared in my XXXX Bankruptcy filing, even though they NEVER TOLD ME EITHER VERBALLY OR IN WRITING that I was accepting the debt from several years ago that had been wiped clean by my XXXX bankruptcy. Discover card I believe is in the wrong. My lawyer from the bankruptcy even sent them all documents again, but Discover wrote off the $ XXXX and sold the debt on the open market. I believe that what Discover did was wrong and against the law. And I believe that Discover must fully remove all debt they say I owe from my credit reports and further that what Discover has done to me, for almost ten years now since that second Discover card I got, that had a credit line of {$1000.00} which I completely paid off and closed and has caused me some very bad nights over the years with the debt collectors continually hate adding me, breaks a rule in law in which I was never given informed consent that opening a new Discover card account, would reactivate the debt, a totally different debt with a different account number, and allow Discover to harass me as they, and the numbers of debt collectors the Discover debt was sold to after Discover wrote it off.

Company response to consumer: Closed with explanation