Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
My debit account was frozen on XX/XX/XXXX, while I am on vacation in XXXX. It all started, when I requested a wired transfer to the account of my ex wife, after I learned that the Discover Debit card doesn't work outside the US. Please read the demand letter bellow I emailed to Discover Bank headquarters, after uploading it in addition to my account, and the banks secure message center. Since XX/XX/XXXX I called them, from XXXX at my expense, well over 20 times to no avail. They keep asking for more proof of my identity, even after I uploaded a newly issued US passport, that I received fro the US embassy in XXXX, XX/XX/XXXX, the divers license I used the I opened the account in XXXX, a copy of the social security card, and a bank statement from another account with XXXX XXXX XXXX XXXXXXXX, in my Name. I have exhausted all options and need help in that matter. Bellow is the demand letter I sent to the bank Account : XXXX XXXX ending XXXX Subject : Urgent Request to Unfreeze Account - Account Number : XXXX I am writing to you with utmost urgency and frustration regarding the freezing of my debit account. I am currently facing significant financial hardship and distress due to the continued freezing of my account while I am on vacation in XXXX. I implore you to take immediate action to unfreeze my account so that I can access my funds and close the account.Despite providing comprehensive documentation to verify my identity and address, including a copy of my drivers license ( although expired now, it was valid when I opened the account in XX/XX/XXXX, and does show XXXX and address ), a newly issued US passport ( issued at the US Embassy in XXXX XX/XX/XXXXXXXX XXXX XXXX  ), a copy of my social security card bearing my name and SS number, and a bank statement from another institution, again bearing my name and address, my account remains frozen. I have taken every possible step to establish beyond any doubt that I am XXXX XXXX, a living individual with a valid social security number, newly issued passport, and rightful ownership of the account in question.I would like to emphasize that the documentation provided contains all the necessary proof of my identity, leaving no room for doubt or uncertainty. 
The repeated requests for additional verification and the prolonged freezing of my account are causing undue stress, frustration, and financial hardship during my time abroad.I demand immediate resolution of this matter and the immediate unfreezing of my account. I need access to my funds to cover essential expenses, as well as the ability to transfer the remaining balance to another bank where I can regain control over my financial affairs without unnecessary hindrances.I expect this issue to be treated with the utmost urgency and diligence, recognizing the significant impact it has had on my personal and financial well-being. I trust that you will take swift action to unfreeze my account and provide me with the necessary means to proceed with the closure of the account, as I have lost confidence in the service provided by your institution. 
I kindly request a written confirmation ( email ), of the unfreezing of my account and the steps taken to ensure the swift transfer of the remaining funds. In the absence of a satisfactory resolution within 1 business days from the date of this message, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and consider pursuing legal action to safeguard my rights as an account holder, and financial damages thus far incurred.I hope that we can resolve this matter promptly and amicably, without the need for further escalation. 
I urge you to consider the implications of the current situation and take immediate action to rectify it.I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX to discuss any further details, if necessary. I look forward to a swift resolution to this matter and the restoration of access to my funds. 
XXXX XXXX

Company response to consumer: Closed with explanation