Consumer complaint received 2017-06-20
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover account # XXXX XXXX XXXX XXXX Commonsense, consumer convenience and transparency has turned to recklessness, paranoia and a complete abandonment of logic. I have a Discover account which Discover has blocked from allowing me any type of access. I have received a message to call and verify transactions. I called twice from my phone and an automatic response requested me to enter information to verify I am the cardholder. 1. I was prompted to enter the last 4 digits of my Discover account #, I did so correctly ( XXXX ) 2. The last 4 of my social security number, I did so correctly ( XXXX ) 3. The 3 digit code on the back of my Discover card ( XXXX ) I did so correctly 4.  The 4 digit expiration date ( XXXX ) again correctly entered 5. My billing zip code. XXXX The automated response then explained I was being transferred to the Customer protection dept. to verify transactions. On my first attempted call, I was placed on a long hold and finally hung upon my 2nd call after gong through the entire process again I was placed on another hold and after a few minutes once someone finally picked up the call was disconnected. I wake up at XXXX Mon-Friday, leave for work by XXXX for a 45-60 minute commute ( depending on construction ) and I typically do not get home until XXXX. I am mentally tired and like to have the next hour or so to unwind and relax. I truly do NOT have time or the patience to deal a very flawed system. Discover provides no other avenue to verify or set at ease any concerns. I am unable to email, they do not email me, text me or leave any kind of message at all that would allow whatever issue they suspect to be resolved. They provide consumers only one way, call, wait and wait. I have other credit cards which requested me to verify charges over the years and it is a rather consumer friendly process. I am either texted to charges of concerned and text back to verify them or not verify them. Or I can call and as an alternative to long holds and long verification process. An automated command would ask me to verify charges. The command would provide a transaction and I would press 1 or 2 to verify the charge. If I verify the transactions as mine any restriction is immediately lifted. Very simple and far less time consuming. Discover probably wants to confirm a balance transfer I initiated for {$3000.00} into an account in my name. This balance transfer was solicited to me by Discover and I had to complete it that day to take advantage of the 0 % rate. SO although this balance transfer is for an account in MY name, and I called from MY phone, verified in my profile and a number also on my credit report, answered all questions correctly verifying the card is in my possession and made a recent payment from same account in last 24 hours. My account is blocked from me to have any access online or by phone. Meaning I am unable to make any further payments. Therefore, as a venue to protect myself from Discover ruining my good credit I must make this complaint. Unless Discover removes the reckless restriction and/or provides a more reasonable way to address any concerns they could possible have I will not be allowed to make future payments on this account. As a result I am placing Discover on warning of reporting any negative information to the credit bureaus regarding this account. If Discover continues to restrict this account then they are relieving me of any future responsibilities. Commonsense, commonsense commonsense.

Company response to consumer: Closed with explanation