Consumer complaint received 2022-07-18
Company: DISCOVER BANK
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my wife, who is a joint account holder on all my Discover Bank accounts, called Discover Bank to activate a new debit card, at which point she was informed that of all our accounts at Discover Bank had been closed ( this includes two joint savings and two joint checking accounts. We have no credit card accounts with Discover Bank, and owe them no money ). My wife asked to speak to a supervisor who informed her that our funds would be sent via check within 60 days. The supervisor informed her there was no indication of any illegal activity or fraud. The supervisor would not explain why the accounts were closed without notice. The supervisor stated that we would not be able to transfer our funds to another bank and that we would have to wait for a check to be issued. 
We called Discover Bank again to expedite the payment due to financial difficulties we were facing, and the Discover representative stated that a check would be sent to us on XX/XX/XXXX. 
When we called on XX/XX/XXXX to confirm that the check had been sent, we were informed that the check had not been sent. We again asked to speak with a supervisor who informed us that there was no legal issue and that they would get the check expeditated within 2 weeks, and that a check for {$11000.00} would be sent by XX/XX/XXXX. 
When we again called to confirm whether the check had been sent, Discover Bank informed us that the check would be sent shortly after XX/XX/XXXX. 
When no check arrived in the first 2 weeks of XX/XX/XXXX, we attempted to follow up with Discover on XX/XX/XXXX and were told that a representative from Discover bank would reach out to us on XX/XX/XXXX. The agent informed my wife on XX/XX/XXXX that the check should be mailed out on XX/XX/XXXX. When I called Discover Bank later on XX/XX/XXXX to confirm that this was indeed the case, the representative, whose name is XXXX, informed me that the earliest we could expect the check was XX/XX/XXXX because checks would only be mailed out 60 business days after the last deposit was made to our accounts she informed me that the final deposit date was XX/XX/XXXX. I asked to speak with a supervisor and was informed after an hourlong hold that no supervisor was available. I asked to have a supervisor call me to explain the continued misinformation and to confirm when our funds would be sent. The representative informed me that she could not confirm the balance we are owed, nor the reason for the continued delays. 
Discover bank scheduled a telephone appointment for XX/XX/XXXX to speak with a supervisor. On XX/XX/XXXX, a Discover representative called to inform us that the appointment was postponed to XX/XX/XXXX between XXXX & XXXX EST. On XX/XX/XXXX a representative from Discover bank postponed the telephone appointment for the second time, giving a new date and time for XX/XX/XXXX at XXXX EST. 
Given the events over the past couple of months, I have no confidence in Discover Banks motivation to resolve this issue. I believe that they will continue to avoid our efforts to obtain the funds they owe us. I therefore see no option but to file a complaint.

Company response to consumer: Closed with explanation