Discover Bank Account Or Service Complaint

Discover Bank account or service department,

Checking account Account opening, closing, or management Maryland

I have had a checking account with Discover Bank for over a year. During that time, I have had no issues with my account - that is until recently. -/-/- I went to - for a few weeks. When I returned and starting going through voicemail messages, there was a message from Discover Bank 's Fraud Unit. Shortly after listening to the message, I contacted Discover Bank. I was transferred to another department after my initial contact with front line customer service. However, neither the front line CSR or the person to whom I was ultimately connected would tell me what department I was to speak to. Nevertheless, the representative informed me that my account was being closed due to being overdrawn by $35000.00. My first reaction was that they must have my account confused with another customer because I have never initiated $350000.00 in transactions during a one month period. However, the representative confirmed it was my account, and he went on to tell me that in reality, my account was NOT currently overdrawn, but has a positive balance of $2200.00. He told me the $35000.00 was the result of multiple online bill payments, but they were returned as


for about - minutes, I ended the call. I attempted to call back, but I was told that the department with whom I needed to speak was closed, and that their hours are -- EST M-F. Oddly, when I spoke to the representative in the undisclosed department, it was outside those hours. In the meantime, I have tried to make contact with Discover to no avail. I am told that either the undisclosed department is closed, or I am placed on hold for excessive amounts of time, and I do not have the time to idly sit and wait to speak to someone. Since this fiasco began, I have had multiple LEGITIMATE ACH transactions submitted, only to be returned by Discover with a notation stating ACCOUNT CLOSED/BLOCKED - DO NOT RESUBMIT. '' Because of this, I have incurred multiple returned payment fees from creditors, and - of my accounts have been reported to the credit bureaus as late even though I paid them on time and had sufficient funds in my account. This has caused my credit score to drop nearly - points, and - creditors have slashed my credit lines due to these late payments. I am attaching screen shots of my - credit report to confirm this information. Discover clearly could care less about the fact that I neither authorized nor initiated the online payments that caused my account to overdraw by $35000.00, and that 's fine. Discover stated my account was closed, yet $2200.00 sits in my account, and I am unable to access it to pay bills. I have suffered a financial loss both monetarily and by have a blemish on my credit report. At this point, I have no desire to maintain a relationship with Discover. I thought they had closed my account, but that turns out to be inaccurate because I have not been refunded for my account balance. However, regardless if my account has been closed by Discover, at this time I request Discover close my accounts and return all funds to me in an expeditious manner, preferably via express service. In addition, I am asking that Discover reimburse me for the incurred returned payment fees, which total $140.00. I also ask that Discover reach out to the creditor who is reporting the late payments and explain that this is through no fault of my own.