Money transfer, virtual currency, or money service -- Other transaction problem -- Complaint #15618292

Complaint Overview

Complaint ID: 15618292

Company: Discover Bank

Product: Money transfer, virtual currency, or money service

Sub-Product: International money transfer

Issue: Other transaction problem

ZIP Code: XXXXX

Date Received: 2025-08-29T12:00:00-05:00

Date Sent to Company: 2025-08-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Timeline of Events : XX/XX/year> : I attempted to initiate an international wire transfer via the Discover mobile application. The request was rejected, as the system required a U.S.-issued ID. I only possess my foreign passport and a valid U.S. visa. XX/XX/year> : I called Discovers wire transfer specialists and was explicitly told that if I did not have a U.S.-issued ID, I could complete the transfer by submitting a paper wire transfer form together with a Notarized ID verification. XXXX XXXX : I paid {$25.00} for an online notary service. I submitted the required documentation with an electronic notary. Immediately afterward, I called Discovers wire department ( 21-minute call, XXXX ) and was told : The electronic notary could not be accepted. Section 13 of the form was inconsistent ( XXXX selected, but XXXX also listed ). Following this guidance : and later obtained an in-person notarization. XXXX XXXX : I uploaded a new, fully compliant set of documents : An in-person notarization with full details. Corrected and re-signed forms, including Section 13. XXXX XXXX : Immediately afterward, I called Discover again ( XXXX call, XXXX ) and was explicitly told that despite compliance, I must still provide a U.S.-issued ID and that my wire transfer must be canceled. XXXX PM and XXXX XXXX : Only after the cancellation did I initiate alternative transfers ( ACH and XXXX ). These were a consequence of Discovers refusal, not the cause of the international wire failure. Issues Identified : Contradictory Requirements : Discover initially stated that paper applications with notarization were the proper alternative for non-U.S. ID holders. After I complied, they reversed course and demanded U.S.-issued ID only. Process Lacks Transparency : Each requirement was revealed only after I fulfilled the previous one ( piecemeal disclosure ), wasting significant time and money. Discriminatory Impact : The banks stance effectively blocks all foreign passport holders from executing international wire transfers, even though the notarization pathway was purportedly designed for that purpose. Customer Treatment : Representatives displayed dismissive and arrogant attitudes, worsening frustration and demonstrating disregard for foreign customers. Harm Suffered : Direct financial loss : {$25.00} notary fee and related costs. Significant time wasted in complying with shifting requirements. Denial of reasonable access to funds that I am legally entitled to transfer.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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