Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: IN

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXX Re : Identity Theft, Fraudulent Accounts, and Request for Restitution Date : [ Insert Date ] I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX, being duly sworn, do hereby declare and affirm the following under penalty of perjury under the laws of the XXXX XXXX XXXX XXXX XXXXd the State of Indiana : I. PARTIES & CONTEXT 1. I am the rightful individual whose identity has been falsely associated with several accounts at Discover Bank, including but not limited to : Cashback Debit Account ending in 1049 Cashback Debit Account ending in XXXX  Online Savings Account ending in XXXX Online Savings Account ending in XXXX 2. Discover Bank has reported negative balances and closed accounts in my name, which I assert were the result of clear identity theft and fraudulent access to my personal information during a period of severe trauma and endangerment. 



II. IDENTITY THEFT AND TRAUMA 3. In XXXX and again in XXXX, I was the victim of multiple violent crimes. I was stripped of my belongings, held at gunpoint ( with a XXXX XXXX XXXX  pressed to my head ), and told I would be XXXX if I reported anything. At that time, the perpetrators stole my identity, including cards, checks, IDs, and access to online accounts.

4. During and after these traumatic events, I experienced XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana. 
5. These events prevented me from accessing or contesting any financial activity conducted in my name. I did not authorize any of the above-mentioned Discover Bank accounts and did not receive or benefit from any checks allegedly mailed or cashed under my name.

III. DISCOVER BANK FAILURES 6. Discover Bank has stated it verified my identity through online application and biometric methods ; however, these do not prove willful authorization, especially in light of documented identity theft and impersonation.

7. I was never contacted meaningfully by Discover regarding any suspicious activity, despite your claim of attempted contact. No reasonable opportunity was provided for me to verify or dispute the information prior to account closures and reporting to XXXX and XXXX XXXX XXXX. 
8. Discover Bank failed to detect or report the fraudulent nature of these transactions and identities to federal and state agencies, and improperly blamed me for actions taken by individuals impersonating me.

IV. LEGAL VIOLATIONS 9. Discovers actions constitute gross negligence and potential violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 Identity Theft Enforcement and Restitution Act Indiana Code 35-43-5 ( Fraud statutes ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 USC 5531 Privacy Protection under the Gramm-Leach-Bliley Act Bank Secrecy Act oversight obligations Consumer protections under CFPB and OCC regulatory standards V. DEMAND FOR ACTION 10. I formally demand that Discover Bank and its affiliates : Immediately remove all negative reporting related to these accounts from XXXX XXXX XXXX XXXX, and any other consumer reporting agencies. 
Conduct a full forensic and compliance audit of all transactions and account openings under my name.

Provide all call logs, application metadata, IP logs, signature data, and video or phone recordings allegedly linking me to these applications. 
Cease all collection efforts related to any charged-off balances falsely attributed to me. 
Issue a corrective action letter acknowledging the error and identifying steps taken to ensure it does not happen again. 
Provide monetary restitution in the amount of {$4000.00} USD for damages, reporting harm, emotional distress, and reputational impact. 
VI. CONCLUSION 11. I am prepared to provide hospital records, police reports, and additional documentation to support my identity theft claims and mental health condition during this period.

12. If Discover Bank does not take appropriate corrective action within 10 business days, I will escalate this matter to the Office of the Comptroller of the Currency ( OCC ), the CFPB, the Indiana Attorney Generals Office, and seek legal remedies for damages, negligence, and failure to comply with applicable consumer protection laws.

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge and belief. 



Signed : XXXX XXXX XXXX XXXX : Friday XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation