Discover Checking Accounts

We opened a Discover 1% cash back and savings accounts on 31 May 2022. We had a fraud alert in mid-Aug that froze the account. I was able to get that fraud alert cleared. Two days later, we had another fraud alert and our account was closed without notice, essentially freezing our funds. I was told this was a computer generated business decision that is proprietary information to the bank. I am unable to get a statement for the month of August and will have to pay fees for items that did not clear. There is no recourse for the customer and nobody to speak to who can verify why the account was closed. We keep another local bank account and are lucky we are able to continue with a legitimate account outside of Discover.

This bank repeatedly gave me incorrect information regarding my account status, told me they were unable to perform certain services when they were able to do so, and violated their own agreements. When confronted, they admitted their wrongdoing and apologized but are taking no action to remedy the consequences of their failures. It's incompetence to the point of criminal negligance.

Do you know what excellent credit, no late payments, and lots of money in a checking/savings account gets you at Discover: a closed bank account “due to a business decision”

I received a email saying suspicious activity on my account and to call discover. I called to shockingly find out they closed my account. I asked why and they replied, “all we can tell you is a business decision was made”.

But wait it gets even more crazy, I asked where all my money went? They said, “in 60 to 90 days it will be mailed out to you”. Luckily I have money in another bank, but if I didn’t I would be late on all my bills! I would stay far far away from Discover!!!

I would give negative stars if I could!
I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it.
It is not benefiting them at all to hold it that long, meanwhile I'm the one suffering without my money.

What this company does to its bank customers is criminal. Get a lawyer and get your money out if you are Discover customer. Read on as to why....

Discover froze my bank accounts and is holding my money (and many other customers' money), based on "unusual activity", and I cannot connect with anyone at Discover to unfreeze my accounts (it's been over 21 days as of this review). Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen.

I called Discover back on the same day of the issue and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are 8a-12a ET, and that they were not available to help me, and that I would need to call back during those hours; Discover advertises 24/7 customer support.

I've placed over 40 calls in the past 21 days. I have spoken to a number of Discover customer service professionals, but they cannot unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue.

I've tried to get help via chat, Facebook and Twitter, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all.

I received an email stating there was fraud on my account. I have called several times and waited on hold for over an hour each time only to be disconnected. One hold time was 3 hours and 2 minutes. My account is locked and I have not access to my money and no one to speak with. I had to write a letter demanding they close the account and refund my money. I do not know who to contact regarding this issue.

I don’t use this bank if you don’t want to loose access to your money.

My checking account has been blocked on Monday (13th). No reason provided. In the email, I had a phone number to contact. I tried to contact them by this number more than 5 times. In sum, I spent more than 10 hours on this line including 2 times when I was on the line continuously more than 3 hours. Also, I tried to contact them by chat and the main phone line. The representatives said that they can't help.

I still don't have access to my account and money on this account. I used their checking account as the main one so it has my salary.

Just opened my checking account with them (have had a savings and credit for with them for some time). It never fails, I can always talk to a real person within 5 minutes! Discover's customer service team is awesome!

I opened an account about a week ago, they randomly closed it and won’t disclose to me the reason. There is $2,350 in the account and they will not give me my money back for 60-90 days. I need this money DESPERATELY right now, hence the reason for me to open up a bank account in the first place. I’ve been totally left in the dark on what’s going to happen and I have NO access to my money!