My 1st question is: Discover Card Rewards where is the redemtion site? Thanks for any comment. 2nd question I got is.. They've called 4 times since receiving the letter on the 21st. 2x yesterday, 2x today. Not automated either. Each time they leave a message and state that they are attempting to collect a debt and then give their full address and request a call back.

I sent a similar letter to them for my sister like this:.

This letter is being sent to you regarding the account placed on my credit reports. You have updated this alleged debt as recently as November 2009.

I do not have an OPEN account with you. I do not have a PAST DUE balance with you. You are not a factoring company and I do not have a FACTORING COMPANY ACCOUNT with you. The balance changes every month as well. I do not have one month terms with you. I have NO terms with you.

I have also received a phone call from someone who claims to be in your €œlitigation€? department.

PRA has violated the following, but not limited to:.

1.15 USC 1692e(2)(A) by falsely characterizing the account as an open€?, €œfactoring account€? and €œ1 month terms€? on my credit reports..

2.Violated 15 USC 1692e(8) by communicating credit information which is known or which should be known to be false, by reporting the account as an open , €œone month terms€? and a €œfactoring account.€?.

3. Violated 15 USC 1692e(10) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as an open on my credit reports and by calling themselves a €œFactoring Company€œ and listing the account as a €œfactoring account€? with €œone month€? terms..

4.Violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an open and €œfactoring account€? to deceive current and potential creditors and to negatively impact my credit scores..

5. Violated 15 USC 1681s(2) by knowingly furnishing inaccurate information about a consumer to a consumer reporting agency..

6. Section 807(3) prohibits falsely representing or implying that any individual is an attorney or that any communication is from an attorney.

Please provide me with proof that you are allowed to report this way on my credit reports. If you can not provide such proof within 30 days, this alleged debt must be removed from my credit reports. If such proof is not provided and the account is not deleted within the 30 days of receipt of this letter, I will be filing a complaint with your AG, as well as a complaint to the BBB and the FTC. I reserve the right to file suit for the FCRA and FDCPA violations as well. PRA is well aware that they can NOT report this way.

All calls are inconvenient for me at any time or place. Please note my correct address at the top of this letter. Please correspond via USPS mail only. Calls to a 3rd party are unnecessary as you have my mailing address.

Thank you..

Yes, that part was BOLDED in the letter. The notice was left for them to pick the letter up on the 19th. They signed for it the 21st. Sister has saved all 4 messages...