Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a withdrawal on XXXX  for {$33000.00} I made that withdrawal to my bank account because I wanted the bank to protect my money and hold my funds and didnt want to lose money hence why I took it out of my XXXX  account and placed it in the bank so it was somewhere safe. Not to long after the money cleared I had deposited some funds back into XXXX  but I had a lot more taken out then I had actually deposited back in and called and told them about the issue and they wouldnt hear me out or understand the situation so I moved on. While I was on the phone with them trying to resolve the issue I stated I didnt want any money coming out of my account if its XXXX or XXXX due to the secureness of my account and I just felt like it was safe bet to do that, I also told them I would rather have them write me a check for what I had in my bank account & didnt want the bank to have my money because I didnt trust them to make sure my funds are secure because I am also a victim of identity fraud & and had credit files illegally opened against me and unsolicited purchases on my account already. I had just moved and have had issues transferring and receiving certain things in the mail to the new address so I didnt want a $ XXXX check getting lost in the mail. From there I had to payback XXXX  for an unwarranted charge that I assume I was just double charged for and I reached out to them and they were no help and told me to contact the bank which I already did. Still am not sure if my account was also hacked because I was receiving numerous suspect emails and multiple login attempt errors on someone trying to login on a bunch of random accounts I have like XXXX XXXX, XXXX, my own email etc. My XXXX  account I have a picture of a screenshot someone trying to login from a different country. After the next 3 months I went through a phase where XXXX XXXX XXXX XXXX XXXX I didnt care about anyone or anything and I was XXXX XXXX XXXX XXXX XXXX XXXX  without even realizing what I was doing to XXXX, my future, my kids future or the people around me by pulling all the money out of my account and pretty much just giving it to XXXX, XXXX XXXX  all day. Every single day. Multiple times a day. XXXX  of dollars deposits, XXXX  of dollars of deposits multiple times a day within minutes, days, weeks. Not getting my mind right and being in reality and having no help. Being able to spend {$20000.00} in XXXX weeks span. Blowing through XXXX in 3 months span. Discover bank was very negligent with my money, they never had any measures in place to stop me from being take advantage of or even to make sure I was the one pulling my funds out and to make sure it wasnt fraud because I had talked to them about it on the phone and thats why I wanted a check written to me, but was worried about it getting lost in the mail so I never had that arranged. Its disgraceful a bank would just let you do that to yourself with no security measures on my funds or myself, they let that happen without even an email or phone call. Discover was letting XXXX, XXXX  of dollars being pulled out of my account daily without notifying me or blocking me from which has caused me to do significant financial harm to myself, I was fortunate enough to do one good thing with that money and was able to pay almost all my debt with them even though I was left with out anything. I was robbed, manipulated, taken advantage of, blindsided and thrown away like I was nothing, had nothing thanks to Discover not being a loyal bank. I finally got paid from my job and then my whole check was taken right from me because I apparently owed them money. So now I dont have my XXXX or any money at all for a week until I get paid again. I blew through {$33000.00} within 3 months at the hands of Discover Bank & they just watched it all unfold due to their negligence, lack of security, and unwillingness to make sure my funds and accounts are safe & secure. I have been a customer since XXXX and they already closed my credit card on me before when I worked so hard to build my credit line and get it to where it was and had to work all the way back up. They have not been a good bank to commit to and I dont see myself working with them again, my life is ruined now and I have suffered significant financial loss with them being my bank. If I had my money cash and not in the bank this wouldve never been a problem. Im in a much worse position now then I was before I deposited that money to my Discover account. I never contacted them because they would be no help as they already havent been and I hate dealing with Discover. I was taken advantage of by not only the XXXX but also Discover due to my mental disorder they didnt do anything to shut it down and let everything happen and ruin my life in multiple ways. I also still have to pay taxes on this money.

Company response to consumer: Closed with explanation