Checking or savings account -- Closing an account -- Complaint #5639146
Complaint Overview
Complaint ID: 5639146
Company: Discover Bank
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Company closed your account
State: Maryland
ZIP Code: 20850
Date Received: 2022-06-06T12:00:00-05:00
Date Sent to Company: 2022-06-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours. They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX ). We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
Frequently Asked Questions
What is Complaint #5639146 about?
Complaint #5639146 was filed against Discover Bank regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2022-06-06T12:00:00-05:00.
How did Discover Bank respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Discover Bank?
Yes, visit the Discover Bank company profile at readthecomplaint.com/company/discover-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.