Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I am writing to express my deep concern regarding my accounts with Discover Bank. I was recently hospitalized for over a week and discharged late Monday afternoon. Upon returning home, I found notices indicating that my accounts were overdrawn ( which have since been rectified ), as well as threats of account closures and demands for immediate contact due to unusual activity. 
As a financial institution, you are obligated to reach out to me directly via phone, which has not been done. Furthermore, despite these concerns, you allowed the usual transactions to continue, which led to my account being frozen. Your email also gave an unreasonable deadline for me to " resolve '' the matter, which is completely I am writing to express my deep concern that is creating weary and heartache regarding my accounts with Discover Bank. I was recently hospitalized for over a week and discharged late Monday afternoon. Upon returning home, I found notices indicating that my accounts were overdrawn ( which have since been rectified ), as well as threats of account closures and demands for immediate contact due to unusual activity. 
It is worth noting that fraudulent activity has been occurring for months, and despite my repeated requests, you have not taken appropriate action, such as changing my account numbers. To make matters worse, my accounts are no longer in overdraft status, yet I have been locked out of my online banking account with no clear explanation or resolution. Instead of freezing my accounts, they blocked me for having any online access all while unauthorized tractions are still occurring. I get the same answer that its pending closure, but its been under status since the end of my ; it beyond unconscionable As I have been recovering from XXXX and XXXX, my accounts are my sole source of funds. I am also a victim of XXXX XXXX, and there is a court order in place for my safety my partner RUINED MY CREDIT to the point no other fighting constitution even mother giving me an opportunity to open an account with them because of the The level damage this individual formed using my SSN that goes beyond ; I had EVERYTHING TAKEN FROM Me, its triggering to me because it feels like Discover is taking so for me for me and punishing me when I didnt even do anything wrong ; its XXXX all over again. I've been in touch with your Customer Service team, times this week and none of them even cared to attempt to help me out or give me any information of whats going on. I even had one person just hang up the phone when I started to get emotional. I just dont get how individuals and businesses don't care, I am a human being too. I am at a loss for words and I dont know what to do but cry. 
I urge you to resolve this matter immediately and restore my access to my accounts without further delay. I have been a loyal customer of Discover Bank, and I sincerely hope we can come to an amicable resolution. I am PLEADING WITH YOU

Company response to consumer: Closed with explanation