Consumer complaint received 2020-12-03
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX of 2019 my father opened a Discover Card. He did a balance transfer from my account to his account for a shower we had to get for him because of his XXXX. The transfer went through with no problems. Well unfortunately my father passed away unexpectedly in XXXX of 2019. When we called them in XXXX to cancel his card, I told them what had happened and they said, thank you for letting us know we will take care of it. Well a couple of months later we got a letter in the mail for my Dad from Discover. It said that there was a fraudulent charge on his account. I called them and asked what it was, and I told him that I had already called and closed that account. They said just disregard that letter and it was taken care of. A couple of months later my credit card I got a fraudulent charge from Discover. My company said they were told it was a fraudulent charge. I said how can it be fraud it was approved months ago. My company said they didn't know. I contacted Discover and they told me we can't talk to you because you are not on the account. I told them, what do you mean? My father lived with us we would know if he made a fraudulent charge. To make a long story even longer we have been dealing with this for 10 months and have gotten nothing but a run around from Discover and our company. If there was an issue with the transfer, then it should have been taken care of at the time the account was opened not 4 months later. I contacted the executive offices and was told they would investigate it. They called back and said, we can't talk to you because you are not on your dad 's account. What we can tell you is that we couldn't determine that your father opened the account. I said, what, he is dead. How are you going to verify it since he is not here? They gave me no response. I am so disappointed that a family in grieving are told, yeah you are going to have to pay for this. They didn't care they used my father 's death as an excuse to not have to deal with his debt. Now about six weeks ago I get a letter addressed to my dad saying my dad has a positive amount in his account for {$6200.00}. I said well that is good because my card is negative {$6200.00}. Please send us the money so we can close out our account. They told me that it says not to release the money to the son. I said why? They said you are not on the account. I said it is my money. They said we have tried to send it to XXXX a couple of times, and they keep sending it back to us. I call XXXX and they said we don't know anything about it, we have not received a check. I call back discover and was told we will have someone contact you. That never happened. I called again and asked what happened. They said they didn't call you because you are not on the account. I said legally you can not hold on to that money. I said, what am I supposed to do now? You can't talk to me ; XXXX says you never sent them anything. What am I supposed to do? Do I wait until my credit is completely shot? How long do I stay a nice guy and keep my temper in check talking to them? I am ready to explode on them. I am so mad that this company 's customer service sucks so bad. My credit score dropped 150 points. I told my company I am not paying them a dime. Send the money back to Discover and let them deal with the debt. This is not my debt and I am not paying for it. I am tired of getting the run around. I recorded my phone conversation with Discover with the lady telling me they have a check for {$6200.00} just sitting there. I am ready to let our attorney take care of this. Like I said in plain English, if there was a problem it should have been dealt with at the time of the account being opened not 4 months later. My attorney said he has never ever heard of this happening before. A company taking advantage of someone's death as their reasons for filing fraud charges on me. My father passes away and they are now telling me I committed fraud. What a joke.

Company response to consumer: Closed with explanation