Consumer complaint received 2024-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Complaint Against DISCOVER BANK for Unlawful Debt Collection Practices and RICO Violations Complainant Information Name : XXXX XXXX XXXX Complaint Details Entity Complained About : DISCOVER BANK Complaint Type : Unlawful Debt Collection Practices Nature of Complaint : Fraudulent Debt Contract and Violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act Summary of Allegations I am filing this complaint against DISCOVER BANK for engaging in unlawful debt collection practices that violate federal law, including the RICO statute. DISCOVER BANK knowingly participated in a scheme involving fraudulent debt instruments, resulting in the harm myself and my credit. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes.

Specific Allegations 1. Fraudulent Debt Instruments DISCOVER BANK has sought to collect a debt based on contracts I allege are fraudulent. These contracts rely on banking practices designed to impose unpayable obligations, thereby creating a predictable cycle of default. 
2. Unlawful Auction of My Home In XX/XX/XXXX, DISCOVER BANK participated in the lawsuit through XXXX XXXX, Ohio. This occurred despite my documented objections and evidence submitted to the courts challenging the validity of the underlying debt. 
3. Knowledge of Fraudulent Activity I provided DISCOVER BANK with substantial evidence contesting the debts legitimacy, including affidavits and detailed correspondence. Despite this, they continued their collection efforts, demonstrating willful participation in a fraudulent scheme. 
4. Violation of RICO Statute o DISCOVER BANKs actions constitute the collection of unlawful debt under 18 U.S.C. 1962 ( c ).

o The institutions persistent attempts to enforce a fraudulent contract reflect a pa
ttern of racketeering activity, meeting the legal definition under the RICO Act. 
o These actions, in coordination with other entities such as the XXXX XXXX government, reveal a concerted effort to profit from illicit financial practices. 
Why the Debt Collection is Unlawful DISCOVER BANKs debt collection efforts are unlawful for the following reasons : 1. Fabricated Loan and Lack of Lawful Consideration DISCOVER BANK has refused to provide proof of lawful consideration for the loan upon request. Without this proof, it is reasonable to conclude that the alleged loan was fabricated on their balance sheet, meaning no real funds were ever extended to me. As a result, DISCOVER BANK can not demonstrate that they suffered any actual loss and therefore have no legal standing to pursue debt collection or seek a remedy through this process.

2. Fraudulent and Predatory Practices The underlying debt is predicated on usurious banking practices that guarantee default, rendering the debt fraudulent and unenforceable.

3. Disregard for Evidence and Federal Law Despite being provided with clear evidence of the debts invalidity, DISCOVER BANK persisted in its collection efforts, violating federal protections against predatory lending and unfair debt collection practices. 4. Violation of the RICO Statute By
continuing to enforce an illegitimate obligation despite awareness of its fraudulent nature, DISCOVER BANK engaged in actions prohibited under RICO. This includes the unlawful seizure of property and collusion with other entities to profit from the fraudulent scheme.

Relevant Penalties Under RICO Under the RICO Act, individuals or organizations found guilty of racketeering activities face severe penalties, including : A maximum of 20 years in prison for those involved.

Fines up to {$250000.00} or double the amount of the proceeds derived from the criminal activity.

Enhanced sentences in cases of severe or ongoing violations.

These penalties underscore the gravity of DISCOVER BANKs actions and highlight the urgent need for enforcement.

Documentation of Evidence I can provide the following evidence upon request : 1. Correspondence with DISCOVER BANK disputing the debt.

2. Court-filed affidavits challenging the debts validity.

3. Records of DISCOVER BANKs involvement in the lawsuit against me.

4. Documentation submitted to the Consumer Financial Protection Bureau and other agencies regarding this matter.

Relief Requested I request the following actions from the CFPB : 1. An immediate investigation into DISCOVER BANKs debt collection practices, with particular focus on potential violations of federal law, including the RICO statute.

2. Suspension of all further collection efforts by DISCOVER BANK relating to this debt until the investigation concludes.

3. Full restitution for the damages caused by the unlawful lawsuit and damage of my credit.

Urgency of the Complaint The harm caused by DISCOVER BANKs continued participation in this scheme is severe, culminating in the damage of myself and my credit. This matter requires immediate attention to prevent further violations of my rights and to hold the institution accountable under the law. 
Thank you for your prompt attention to this serious matter. I am available to provide additional information or evidence upon request and can be reached at XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief