Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: DC

Complaint narrative:
Subject : Discover Bank Negligence, Mishandling of My Account, Breach of Contract, Failure to Verify Identity, and Withheld Secured Deposit What happened : I opened a Discover secured credit card and deposited {$700.00} of my own money as the security deposit. Discover later closed my account without contacting me, the legitimate account owner. The bank acted on someone elses claim that the account was unauthorized without performing basic verification steps or reaching out to me in any meaningful way.

I now have proof that Discover sent an account-related letter to an address that I NEVER provided and that is NOT on my account file. This is a serious failure in their communication, identity verification, and account security processes. This unauthorized use of an incorrect address directly contributed to the wrongful closure of my account. I given them my correct email address, house address and phone number. None of which have any notice of the inconveniences. The PII data was mishandled to go to an incorrect address and to allow someone to call about suspected fraud because of my mail going to their home instead. When I called the fraud department they wouldnt allow me to speak about my case against the claims because they wanted to send a One time pin to my phone, due to not having access to activate my card. The Number on file would not have permission to do so in their system. Essentially a flaw in their system to give a stranger access to my account while I didnt have access.

Because of Discovers errors, I lost access to my own funds and could not use the account during the XXXX XXXX period. ( XX/XX/XXXX, XXXX XXXX XXXX. ) I own my own business, and I specifically funded this account for the purpose of purchasing a laptop needed for my work. I also opened this secured card to build my credit, and Discovers mishandling undermined that purpose.

Discovers actions have caused financial harm, business disruption, and the loss of time-sensitive purchase opportunities. Their failure to contact the correct account owner, failure to confirm the validity of the fraud claim, and failure to use the correct mailing address constitute : Negligence Breach of contract Failure to safeguard my account information Failure to follow reasonable verification procedures Mishandling of my secured deposit This is unacceptable and extremely concerning.

What I want : 1. Immediate release and full return of my {$700.00} secured deposit 2. A written explanation of why Discover used an address NOT on my account file to send account notices 3. A full investigation into why I was not contacted to verify the claim before my account was closed 4. Correction of any inaccurate information Discover may have reported regarding this closure 5. Compensation for the financial and business-related harm caused by losing access to my funds 6. Written confirmation that Discover has corrected the address error and secured my personal information I am requesting the CFPBs assistance to ensure Discover takes accountability for these errors and resolves this issue immediately.

Company response to consumer: Closed with explanation