Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from my XXXX, XXXX was an income check. The mobile check deposit stated it would not be available until Monday XX/XX/XXXX. I called Discover Bank and the representative said I could call back on Thursday and speak with a representative/specialist who could verify funds so they would be available on Friday XX/XX/XXXX. 
I called Thursday and the female representative verified funds and assured me they would be available on Friday. Friday XXXX my funds were not in my account. I called at XXXX and the specialist told me the precious representative did not complete the process they way it should have been and he was going to do that for me now and the funds should be available. I called back at XXXX XXXX  and funds still wre not available however I was assured they would be by EOD XXXX I called back at XXXX still no funds. The representative told me it should be available by XXXX XXXX  that evening. I called back again at XXXX still no funds. I called again ay XXXX XXXX  on Saturday XX/XX/XXXX, the representative said she could see where the date available was the XXXX. She told me the department I needed to speak with did not open until XXXX XXXX. I called back at XXXX and spoke with a specialist in the department and she informed that the verification step was not done and I told her that yes it was, the gentleman on Friday did that step and assured me the funds would be available on the XXXX. She then put me on a lengthy hold and came back to inform me that yes it was completed however the funds won't be available until Monday the XXXX. 
I asked to speak with a manager and he basically stated the same thing that despite all 4 representatives I had spoken to and assured me the funds would be available on the XXXX, that was incorrect and it would be Monday. 
I needed this money available on the XXXX as they stated several times. I had a financial matter that needed to be handled no later than the XXXX and I am now not able to because I trusted Discover Bank to do their job correctly. 
I closed my savings account because of this and plan on closing my checking once this matter is handled. I also have a joint account that we will be closing and my fiance will be closing his accounts as well. 
I have financially harmed because Discover customer representatives lied to me and failed to do their job properly. This was an income check that never should have been help and a representative on Thursday the XXXX called the bank the check was written from the verify funds. 
I am filling this complaint so other consumers can be informed of the type of business practices Discover has. Absolutely unacceptable that every representative I spoke with assured me funds would be available and they were not. I trusted Discover Bank therefore I did not transfer money from my HYSA so I could make sure I would be able to fulfill an obligation I had on the XXXX. 
It should be noted, I have had my account since 2019, never had a returned check and at times have deposits in excess of {$20000.00} a month. I am a very good customer.

Company response to consumer: Closed with explanation