CFPB Complaint

DISCOVER BANK – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-09T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX ( validation information regarding the judgment ) which they never sent me.

Company: DISCOVER BANK

State/Zip: NY 121XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3070788

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.




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