Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX, in his private capacity, I, a private consumer and natural person, hereby acknowledge receipt of communications alleging an account obligation in the approximate amount of {$12000.00} purportedly owed to Discover Bank ( hereinafter Discover ). 
This correspondence serves as a formal Conditional Acceptance of the alleged claim, pending full validation, verification, and lawful proof of the existence and ownership of the alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), 15 U.S.C. 1681 ( FCRA ), and 12 U.S.C. 5531 ( Consumer Financial Protection Act ).

Be advised that forwarding or furnishing any unverifiable, inaccurate, or unvalidated information to any third party, including but not limited to any collection agency or credit reporting bureau, without substantiating lawful proof, constitutes a violation of my consumer rights and privacy protections under both federal and state law.

FORMAL INTERROGATORIES AND DEMAND FOR PROOF In accordance with the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ), I am demanding that Discover answer the following interrogatories and produce evidence within 30 days of receipt of this notice : Did Discover Bank or any affiliate securitize the alleged account or instrument?

If so, provide the name of the trust, CUSIP number, trustee, and date of securitization.

Does Discover Bank possess the original, wet-ink signed promissory note or credit agreement allegedly executed by Yolunda Harris ?

If not, provide a certified and notarized copy of said agreement bearing the original, verifiable signature.

Did Discover Bank sell, transfer, assign, or convey any portion of the alleged account to another entity or third-party servicer?

If yes, provide documentation showing the chain of custody, assignment, and consideration paid.

Does Discover Bank currently have any beneficial interest, ownership, or claim in the alleged account or proceeds derived from it?

Please state whether the obligation is listed as an asset or was charged off, written off, or otherwise discharged.

Was any 1099-C, 1099-A, or related IRS form filed or issued in connection with this alleged account?

If yes, provide copies of all such filings and records.

Does Discover Bank maintain compliance with Metro 2 reporting standards under the Consumer Data Industry Association ( CDIA ) guidelines regarding the accuracy, integrity, and completeness of furnished data?

Please provide the Metro 2 compliance documentation for this account.

Provide a full, itemized accounting statement of the alleged {$12000.00}, including all payments, interest, fees, and charges assessed since the alleged accounts inception.

Identify all third-party entities to whom the alleged account information has been shared, furnished, sold, or assigned, and provide a copy of the communication or agreement authorizing such sharing.

CONDITIONAL ACCEPTANCE I hereby conditionally accept any alleged obligation upon receipt of the above-requested documentation, proving without doubt that : A valid, bilateral contract exists between myself and Discover, The debt has not been satisfied, discharged, securitized, or sold, and Discover possesses lawful standing to claim or enforce this alleged obligation.

Absent full and verified disclosure, any attempt to collect, sell, or report this alleged debt shall be construed as a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and potential violations of my constitutional and privacy rights.

NOTICE OF PRIVACY RIGHTS This correspondence is made without prejudice and with full reservation of all rights under UCC 1-308.

Unauthorized third-party disclosure of private financial data without consent is strictly prohibited under 15 U.S.C. 68016809 ( GrammLeachBliley Act ).

All future communications must be in writing and directed to the mailing address listed above. Telephone communication is expressly denied.

Respectfully, Private Consumer / Authorized Representative CC : Discover Legal Department CC : CFPB Consumer Financial Protection Bureau ( for record ) CC : Ohio Attorney General Consumer Protection Division

Company response to consumer: Closed with non-monetary relief