Consumer complaint received 2020-08-07
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received notice from CFPB that Discover Bank " COMPANY 'S INTERIM RESPONSE We are currently investigating the consumer 's concern, and additional time is needed. Upon completion of the investigation, a detailed response will be uploaded to the CFPB portal and sent to the consumer. '' This has been going on since XX/XX/2020 ...! 
I have been ignored, talked down to and basically cut off from MY MONEY! They have ZERO AUTHORITY to continue to hold my account hostage. I have also opened a CRIMINAL Investigation against Discover Bank with the IRS and Department of the Treasury, of which has gotten traction this week. Seems I am NOT the only one they have locked out of their account. 

Either way - I have provided my ID and supporting documentation to them SEVERAL TIMES. All of which they either ignore or blatantly lie about never receiving. Seeing as I have sent the documentation through the CFPB 's site, and they are responding and closing my complaints, they are obviously receiving the documents that I sent in. 

This has gone on long enough! 
I WANT MY MONEY - I HAVE PROVEN WHO I AM, AND THAT THE IRS REFUND CHECK I DEPOSITED IS MINE AND MINE ALONE. 

I am tired of waiting for them to " get around '' to addressing this issue - I am also speaking with attorney to seek punitive damages for this issue and it will cost more than the $ XXXX they are holding, alot more. Public opinion is also on my side, as I have a blog, which every letter, email, RECORDED phone calls and responses from IRS/DoT, has been received. I am not playing any further. Period. You have received all but DNA from me, and even then you would not get it - Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. " On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my XXXX when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my XXXX upon account opening 2. I am not sending in any further documentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF  LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -

Company response to consumer: Closed with explanation