Discover Bank Account Or Service Complaint

Discover Bank account or service department,

Checking account Deposits and withdrawals Texas

Through out the month of - I have had multiple issues with Discover Bank. I have had this bank for roughly two years and I never encountered so many issues with them like I have had in these recent past weeks. Discover Bank does not have any physical branches or services like deposit accepting ATM 's, they also do not offer any form of overdraft protection. Discover Bank does offer mobile deposit which they claim to be a convenient way to have deposits made quick and efficient to customers checking account. It is not so convenient as most items are not credited until one business day. I had contacted one bank official and asked if they could credit my account if I used an item such a cashier check ( which certifies the amounts mentioned on instrument ) Discover said they could credit the account as the instrument of deposit was certified, I would just have to inform a representative of the deposit and when it was made. I did that deposit for an amount of $50.00 to avoid any negative balances, returned payments, and NSF charges. I also emailed them to inform them of the deposit so they could


At the same time they had also place a hold on ACH deposits of $250.00 the that would have covered the payments that were attempting to post on the checking account and the cashier check would have covered any other outstanding balances. Within the account summary in the online banking page of discover that the mentioned draft posted and cleared leaving a debit balance $98.00. I do not understand why discover put holds on my account for funds that certified and verifiable. Those actions by Discover have subsequently cause me to have had returned payment fees with my payees and have made stand out as customer that can not meet his obligations when that is not the case.