Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am trying to get my pension transferred from the XXXX to the USA. In the USA I use Discover Bank.

For the money to be transferred internationally the funds need to be transferred to the Discover Bank via an intermediary bank ( The XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ) On XX/XX/2024 My pension was wire transferred to thXXXX XXXX XXXX XXXX XXXX XXXX : Below is all the information I have : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Advice type : INTL Debit advice Date and time : XX/XX/2024 at XXXX Transaction number : XXXX XXXX Beneficiary reference : XXXX Payment type : NA Related reference : XXXX Transfer amount : XXXX Transfer currency : XXXX Transaction details : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The Bank in the XXXX did a trace on the fund transfer as follows : A trace has been conducted on your payment and the outcome is as follows : Payment completion date : XXXX XX/XX/2024 Reference : XXXX Confirmed amount received : XXXX Unique end to end reference : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX I got a call from Discover Bank Saying the funds are at the XXXX XXXX XXXX XXXX XXXX and needed permission to XXXX XXXX XXXX XXXX US Dollars. I gave them permission and They said the money should go into my Discover Band Savings account within a few days. 

Weeks later after many calls to Discover Bank Wires Transfer 's team I was told the funds had been refused du to lack of a house address and were returned to the XXXX on XX/XX/XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Discover Bank gave me the following information they have from their spreadsheet : Returned to the XXXX on XX/XX/2024 From XXXX XXXX XXXX XXXX XXXX XXXX. 

Maybe in the form of Dollars. ( {$150000.00} ) XXXX XXXX. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been told by the XXXX XXXX XXXX XXXXXXXX that they can no longer trace where the funds are because they were deposited in the USA and the Wire Transfer was complete. 
They advised me to Contact the XXXX XXXX XXXX XXXX XXXXXXXX and aske them to give me the information on the transaction so the XXXX bank can trace the transaction from the XXXX XXXX XXXX XXXX XXXXXXXX that they said happened on XX/XX/XXXX Unfortunately Discover bank said that I can not talk to the XXXX XXXX XXXX XXXX XXXXXXXX because I doo not have an account with the XXXX XXXX XXXX XXXX  XXXX XXXX Discover Bank does not have a way of directly communicating with the XXXX XXXX XXXX XXXX XXXXXXXX. 
Now it is XX/XX/XXXX and the funds have still not been transferred to the XXXX. 
My money seems to be lost at the XXXX XXXX XXXX XXXX XXXXXXXX and I have no way to find out where the funds are so I can retrieve them. 
Discover Bank just keeps sending me round in circles on the phone. my last call lasted XXXX hours!

Company response to consumer: Closed with explanation