Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (DC)

On the XXXX of XX/XX/year> I recived a Proof of Payment from the sending bank which is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, they send a Wire transfer to my Discover Debit checkimg account a sum of XXXX {$13000.00} that translates to {$700.00} usd at the value date of the XXXX, the transaction was allegedly initiated in the XXXX of XXXX. the transaction reference number being XXXX and Direct deal XXXX according to the proof of paymenr issued to me by the sending bank, when the money hadn't yet posted to my account by the next business day, or the one after that or the one after that, when it was about 4 days and the money still wasn't in my account, I reached out to XXXX XXXX , which is a pension fund that authorized the payment after I submitted documents that they required for me to make a claim to the money, to that they, XXXX, told me to reach out to the issuing bank, XXXX XXXX , and to that XXXX XXXX told me to reach out to the beneficiary bank, Discover bank. and for the past 4 weeks I've been sent through this insane loop, finally I called Discover bank and they notified me that they couldn't verify my Identity, I'm sure you're aware that in no way shape or form warrent a holding of my funds, so i continued to ask for my funds to be released, after being hung up on twice, I called once more, this time i was told there was an invalid ID verification form, this form is a form i had submitted in effort to have been sent a new debit card, I have submitted and resubmitted the same form a few dozen times over the past 5 months, Each time i was told either to call the bank, that i did, when i did call the bank I had no intention of being issued a debit card so, instead of answering my questions about the wire transfer, why it was being held, i was given no logivak explaination, i have gone so far as to attache both Proofs od Payments, I say both because one of the times between the almost 4 week back and forth, it went so deep, i took to XXXX, formerly known as XXXX to express my grievenves and inquire about the status of my funds and why i was being gaslit, misinformed and taken for a loop by finanicial instituation. the sending bank told me the money was transfered into the wrong account and that they reinitiated the transfer this was supposedly done on the XXXX of XX/XX/year>, after i had sent and resent them the correct banking detail. And after haveing answered all their questions, and jumped through all their hoops. of a bank, any person of a sober mind looking from the outside into this situation can agree that there is absolutley no logical explaination as to why, it's goong into teh XXXX of XXXX, the message i recived was that there is no record of the wire transfer, while the sending bank whoes confirmation that the money is with the benficiary bank, a email correpondence that i uploaded to the Discover banking app with the Proofs of Paymnets and I still am advocationg for the release of my money. No one should have to beg their bank to release their money. 

I have reasons to believe ontop of being a victim of a smeer campaign, My funds are being deliberatly withheld from me under the false pretense of needing to verify my identity in an elaboate plan to demobalizw and isolate me, I've classified this as economic/finacial abuse. I will keep my conspiracy theories to myself. 

However in no dimention is this in any way shape or form ethical on either Discover bank nor XXXX XXXX 's part and I would require assistence with getting them to release my money so i may resume my life. I trust with your intervention I will have my money in my bank account by the end of this week. 

regards, XXXX XXXX XXXX