Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: OR

Complaint narrative:
XX/XX/2020 - XX/XX/2020 hehehehe this non sense bank blocked my checking account but still they processed the 2 ach deit transfers from the external linked account, a total non sense, why they do not simply block the funds and retirn them to the original bank account, instead of their wasting of time non sense procedures now they have blocked my account with a {$120000.00} balance transfreed from my external checking account with out my authoization i have answered to their non sense questions both to the automated phone system and to the agent but they still say that they will not refund the not authorized ach transfers to the original bank account, and they want to keep the account blocked until i will send them paper documents, that in fact i do not have they ask for a document id that contains the adress that i have indicated on the discover checking account and the social security number as well this request is a non sense since  i'm a XXXX XXXX of this country, but i'm a XXXX  citizen, so i have a XXXX  pasport the XXXX passport does not contain the XXXX adresses or the social security number i asked if they will keep the funds blocked and their answer was " well good question, yes until you send us all the required paper documents, the funds and the checking account will remain blocked, for a unlimited time '' i have my XXXX  passport and the social security card but i do not approve their request for a copy of the passport and ssn card, since i do not send my document id here and there by fax, only because their security procedures are a non sense if they recognize a not authorized ach debit transfer from the linked external account, they must simply cancel the ach debit transfer and they do not have to wait until the ach debit transfer clears or otherwise if they can not cancel a not authorized ach debit transfer, then can bock the account temporarily until the funds are cleared and then refund the funds to the original bank account, instead of wasting the customer valutable time with their non-sense procedures i also want to clarify that they advertize the discover checking account as a online only checking account and when i signed up for the online/web discover checking account nobody told me ad there were no indicationsm that they send sms codes and request paper docs for a online only checking account a non sense a normal bank can confirm identity by sending a code to the registered email on bank account discover likes sms and smartphones, not the internet/web but they do not indicate that on their website they are not compatibles with the internet/web but still they insist with their online only checking account, that works with a sms, a fax or a paper document i suggest them to transfer their bank activity, including their so called online account by sms and their ach transfers funtionality, from the web/internet to a normal blick store, because discover isn't compatible with the internet

Company response to consumer: Closed with explanation