Discover Financial Services Unethical Credit Card Debt Collection Unfair Credit Reporting Harassment by Lawyer Salt Lake Utah Wilmington Delaware  Nationwide

A Discover It card was sent to me and through a Ponzi Scheme my credit card was billed 3500.00 and I received NO BENEFIT from some shady company by the name Positive Strategies whom is a partner with internet based income business located in Utah and has a parent company in New Jersey and operates many different internet based home business opportunities under dozens of business identities to hide their complaints from consumers.

This company charged my Discover card and there was an element of 'Willfull Non-Compliance' in connection with any services. After three months, I stopped making payments to discover because the charge is a fraud. After the fourth month, I was informed this company who charged my card is no longer in business.

Discover is relentless demanding payments on this card for the fraudulent charges disputed as 'Goods Don't Conform to Contract' under TILA section 170. A law office contacted me and became very harassing demanding I agree this is my debt, I instructed this lawyer to go after the people whom charged this card. No civil action was ever filed against me because Discover cannot meet the burden of proof and has no preponderence of evidence to actually have the right to sue me in court.

I disputed the credit card debt with all three credit reporting agencies (CRA) and Discover sent me a large pack of statements and a letter stating that a contract is formed because

• A credit card was issued to me 
• Charges were put on this card
• A payment was made on this account

Its clear to me that Discover DOES NOT HAVE A BINDING LOAN AGREEMENT required to sue me in court or collect on this account. Their lawyer was assigned to intimidate me into an agreement this debt was mine to form a binding agreement to collect on bad debt.

A few months ago, Northland Group Inc (a collection agency) contacted me to collect on this debt demanding 4,588.89 and this statement is on their presentment: Due to the age of your account, Discover Bank is not able to file suit against you but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset. We would like to work with you to resolve your account balance.

Since the debt is not enforceable per the foregoing information printed on a collection notice. I just responded with a Do Not Contact Letter including information the debt is disputed and it has previously been communicated to Discover and their attorney 'Presentment of this alleged debt is dishonored' including the fact 'Goods Don't Conform to Contract' and payment of any such goods are withheld under TILA § 170(a)

There is no evidence ever sent to me to believe Discover has a binding loan agreement to demand payment from me and I just sent a letter demanding the INSTRUMENT of INDEBTNESS in its original form in exchange for payment in full.

All three CRA bureaus report the credit card debt in question is verified by Discover and has not provided me with a copy of any binding contractual agreement as required by sections 609, 611 and 617 protections FCRA

The CRA is paid by lenders to report financial information and its grossly unfair for the CRA to accept questionable materials as accurate reporting information and not follow the law resulting in huge profits.

Discover has reported my discover card had charges as high as 8,031.66 and after some chargebacks from government agencies a disputed balance of 4,588 remains active on my credit report as DEROGATORY. This card was never used to generate any personal debt and is the result of credit card fraud.