Consumer complaint received 2018-09-18
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. 

Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! 

The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. 

I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. 

It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. 

I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. 

Checking account # XXXX XXXX Credit card # XXXX

Company response to consumer: Closed with explanation