Consumer complaint received 2021-09-26
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ALLEGEDLY FROM SPECIAL ACCOMODATIONS AGENT FOR DISCOVER. ( STATEMENT BELOW ) Dear XXXX XXXX XXXX, We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. We appreciate you bringing your concerns to our attention regarding the status and verification process of your above referenced Discover card account. Discover conducts regular reviews to evaluate our customers accounts. On XX/XX/XXXX, a transaction authorizations hold was placed on your account and our Customer Protection Services department emailed you an Internal Revenue Service Income Verification 4506 form and the process for its completion and review. On XX/XX/XXXX, the Internal Revenue Service rejected the 4506 form. In an effort to assist you regarding this matter, on XX/XX/XXXX, an Enhanced Verification Notarized form was sent to you via email in order to complete the verification process. Please note, this form with all required steps and requested documentation including the completed 4506 form and 3 most recent months of bank statements, must be uploaded at XXXX, faxed to ( XXXX ) XXXX, or mailed and postmarked to Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, by XX/XX/XXXX, otherwise your account will be closed to further transactions. I have also enclosed a copy of the Enhanced Verification Notarized form for your reference. We regret any inconvenience this matter may have caused you, and we have forwarded your concerns and experience as you have detailed in your correspondence to the CFPB to leadership in the appropriate area. Thank you for allowing me the opportunity to be of service. If you require additional assistance in this regard, please feel free to contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX. to XXXX XXXX., ET. Sincerely, XXXX XXXX. Executive Office of Customer Advocacy Enclosure CC : Consumer Financial Protection Bureau XXXX XXXX Response Internal Revenue Service Income Verification 4506 form I HAVE FILLED THIS FORM OUT TWICE AND SUBMITTED IT.

FILLED IT OUT AS HILIGHTED.

SUBMITTED PROOF OF FILLING IT OUT AND SUBMITTING IT. 

I HAVE NOT FILED TAXES SINCE XX/XX/XXXX I KEEP TELLING YOU THAT. 

YET YOU KEEP DEMANDING THE Internal Revenue Service Income Verification 4506 form TO BE FILLED OUT THEN HAVE MADE INACCURATE STATEMENTS IN WRITING THAT I DIDN'T COMPLY. WITH YOUR DEMANDS.

NOT SURE WHY A COMPANY KEEPS DEMANDING TWO YEARS OF IRS DOCUMENTS FOR THE LAST TWO YEARS WHEN I KEEP INFORMING YOU I HAVE NOT FILED TAXES SINCE XX/XX/XXXX. BECAUSE IM NOT REQUIRED TO. 

I HAVE UPLOADED MY SOCIAL SECURITY 1099 FORM AS GOOD FAITH TRYING TO RESOLVE THIS MATTER.

AS YOU CONTINUE TO DISREGARD AND IGNORE MY WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. DUE TO MY PHYSICAL XXXX. 
AS YOU CONTINUE TO DEMAND THAT I TAKE CABS EVERYWHERE TO HAVE DOCUMENTS ( BANK STATEMENTS AND ID ) NOTARIZED BY A NOTARY OF WHOSE BANK DOESN'T EXIST IN XXXX OHIO. THAT I ALSO ADVISED YOU IN WRITING. 
AS YOU CONTINUE TO DEMAND ME TO SUBMIT TO HAVING TO WEAR A MASK BECAUSE OF THE STATE THAT I LIVE IN AND CAB COMPANIES ARE FORCING YOU TO WEAR A MASK OR YOU CAN NOT RIDE. HAVING NO CONCERN FOR PLACING ME INTO FINANCIAL STRESS AND HARDSHIP BECAUSE I AM XXXX AND DO N'T XXXX. AS YOU CONTINUE TO DEMAND AND IGNORE MY PHYSICAL WELL BEING AND SAFETY FOR DEMANDING BANK STATEMENTS AND ID BE NOTARIZED. AFTER ADVISING YOU IN WRITING OF HOW BAD MY XXXX XXXX IS AND HAVING A XXXX  XXXX AND XXXX .... WILL PLACE ME IN XXXX  DANGER AND EXTREME XXXX  TO MY BODY. 
NOT TO MENTION ALL THE EMOTIONAL AND XXXX XXXX YOU CONTINUE TO PLACE ME UNDER. FROM A SIMPLE MISTAKE, AND AFTER NUMEROUS DOCUMENTS I UPLOADED TO PROVE MY IDENTITY PER FEDERAL LAW. STILL HAVE DEMANDED AND CONTINUE TO PLACE ME UNDER EMOTIONAL XXXX. 
STILL REQUIRING NOTARIZED DOCUMENTS FROM A NON EXISTENT BANK LOCATION. 

I WILL BE SUBMITTING AN EMAIL FROM A NOTARY PUBLIC INCLUDED IN THE DOCUMENTS I AM UPLOADING HERE. 

FOR MY SAFETY AND PROOF SO YOU CAN NOT MAKE INACCURATE STATEMENTS SAYING I DIDN'T COMPLY..OR YOU DIDN'T RECEIVE... 

I WILL BE UPLOADING XXXX XXXX BANK STATEMENTS.. 
FROM MY ONLINE XXXX ACCOUNT BECAUSE THEY DON'T HAVE A PHYSICAL LOCATION IN XXXX OHIO XXXX. 

UPLOADING ID AGAIN .... WITH PROOF OF THE WORLD TIME CLOCK FROM CELLPHONE. 
ALONG WITH DISCOVER CREDIT CARD. 
AS MORE DOCUMENTATION TO PROVE MY IDENTITY AS I HAVE ALREADY UPLOADED BEFORE UTILITY BILL ID SOCIAL SECURITY XXXX 1099 FORM ALONG WITH NOTARY PUBLIC STATEMENT ....

SAYING THERE IS NO WAY TO NOTARIZE BANK STATEMENTS AS YOU KEEP DEMANDING. 
BECAUSE XXXX DOES NOT HAVE A PHYSICAL BRANCH. 

AS IM SURE YOU ARE AWARE OF THE PROCEDURE OF NOTARIZED BANK STATEMENTS.

YOUR BANK HAS THEIR OWN NOTARY THE BANK STATEMENTS GET PRINTED OUT IN FRONT OF THEM INSIDE THE BANK THEN THE NOTARY ONLY THEN NOTARIZES. 
SO NOT ONLY HAVE YOU DISREGARDED MY NUMEROUS WRITTEN REQUEST FOR SPECIAL ACCOMODATIONS. 
NOT ONLY DEMANDING TO PUT ME IN FINANCIAL HARDSHIP AND PUT MY HEALTH AND LIFE AT RISK. 
DEMANDING SOMETHING THAT SEEMS ILLEGAL BECAUSE THERE IS NO WAY FOR A NON BANKS NOTARY TO KNOW THESE DOCUMENTS ARE LEGAL. 

NOW IF DISCOVER HAS A NOTARY THAT WILL SIGN OFF ON MY XXXX BANK STATEMENTS SEND THEM TO MY HOUSE WITH THEIR PRINTER SO THEY CAN NOTARIZE. IM SURE YOU GUYS HAVE NOTARIES YOU USE IN DIFFERENT CITIES AND STATES. 

AND HAVE THEM CONTACT ME THROUGH EMAIL TO SET UP APPOINTMENT ....

Company response to consumer: Closed with explanation