Discover Bank froze and did not close my account.

Discover Bank froze and did not close my account

 

Discover Bank froze and did not close my account

We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be, and do better than we did yesterday.

Let me say that again and allow it to sink in

.
We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be and do better than we did yesterday.

WE ALL have the opportunity to learn more today than we did yesterday
WE ALL have the opportunity to GROW more today than we did yesterday
WE ALL have the opportunity to become MORE than THEY thought we could become!

WE ALL have the opportunity to ATTRACT whatever we desire into our experience.
IT IS UP TO YOU
And you alone.
IF, you take responsibility for your life.
And seek the opportunities you wish to find,
 you WILL find them,
 and when you do: 
FIND THEM and CONQUER THEM.

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On July 22nd, I received an email informing me that Discover Bank has decided to freeze and cancel my account due to a business decision. I called several times that day, attempting to figure out why they did it, but I couldn’t obtain an answer from their agents or supervisors about the closure.

On July 27th, I filed a complaint with the Consumer Financial Protection Bureau. Discover Bank froze and did not close my account

Discover Bank responded to my complaint on August 10th, repeating the same thing and that they will return me my monies as a cheque after 60 days.

On October 13th, I called Discover Bank to inquire about my check, and the employee told me that the account had not yet been cancelled and was still pending closure. And the 60-day countdown will begin once it is completely closed.

I can’t deal with this because I need my finances for rent and other necessities (I’m a newcomer to the United States), I worked hard for that money, and I’m still not sure why they stopped my account in the first place. I understand they have the authority to close accounts, so why don’t they just do it and send me my money? This is completely *****.

 

CANDID ADVICE

Banks can close your account at any time for any reason, but given that they intimated it was actively being closed/had already been closed and offered you that 60-day window, which has now gone, I believe another contact to the CFPB is in due.

Best wishes!

It appears that they have grounds to suspect that something about the account is suspect. Either something you did was identified as questionable conduct, or you have a name with someone on the OFAC list.

Okay, I get it. I simply want them to terminate the account (like they promised) and send me my cash (again, like they said)

HSBC did the same thing to me last year. They kept saying it was closing but wouldn’t truly close it and hence wouldn’t send me my balance. It was hilarious. Finally, the Comptroller of the Currency (OCC) ordered them to repay my money. HSBC did what Discover is doing to you for around four months and would have done it for much longer if they hadn’t intervened. It was hilarious.

So you’re suggesting I take it to the OCC as well?

 

What is a decent bank to choose for your first credit card?

 

I hope this does not violate rule 8.

I’d like to open a new bank account, as well as my first credit card in my own name. Currently, I would just be used as a deposit for my SSDI, but this will change once I acquire a job.

I wish to avoid any banks that have awful hidden fees, bad rates, overdraft issues, or anything else like that. Some articles recommend using online banks and credit unions. Discover Bank froze and did not close my account

I understand that totally avoiding these difficulties is difficult, if not impossible, so what banks should I check into (and I realise this is likely a matter of personal preference)? I’ll ask others as well, but I’d like to hear other people’s thoughts and opinions.

 

CANDID ADVICE

Capital One is an excellent choice for your first credit card. They make it simple to progress to better cards with benefits as your credit history grows.

Their rates are normally quite high if you keep a balance, so be cautious.

Personally, I would prefer a bank with a physical branch in your neighbourhood, where you can get to know the employees and develop a relationship. I’ve been at Chase for years (with no problems), but there’s a BOA across the street, a Berkshire Bank two blocks away, and an M&T around the corner – I think any of them would be a good pick. For me, it is seeing someone in person when you need something or need to solve a problem. My two cents.

I believe you’re referring about a debit card, correct? According to your post, you do not appear to be applying for a credit card.

I understand that totally avoiding these concerns is difficult.

It’s actually not that difficult if you choose an account with no or easily waived fees.

The best bank for you is the finest bank. There is no single answer to this question. You must consider how frequently you will want/need to deal with cash, how vital it is to have a branch location to visit, how important customer service is to you, and so on.

I’m aware of some of the expenses they try to conceal, but because I haven’t done it on my own, I’m not sure where to look or how to bring it up.

I’ll keep looking around to see what I can find. Thank you very much!

Online banks are fantastic until you run into a problem that requires you to visit a branch. You will, without a doubt, need to visit a branch at some point.

For your deposit, I recommend opening a fee-free bank account with a local community bank with good Google reviews, then buying a credit card and paying the bill off in full each month from your bank account. Card fraud is a major issue right now, and it’s far preferable to have fraud on a credit card than to have someone spend money directly out of your bank account because you paid with a debit card. Obviously, you must be able to practise restraint and not go over budget, but if you can manage it, that will be the best combination of fraud protection and customer service access. Not to mention a fantastic way to improve your credit.

The one you employ. If you receive a card from a different institution, you’ll be conducting external transfers, writing checks, shifting cash, and so on.

Alternatively, obtaining a card from your primary university should be as easy as pie. Walk in, ask a teller to transfer $[x.xx] from your account to your credit card, and then walk out. If you’re feeling very ambitious, you can do it yourself online.

If you’re still developing credit, you shouldn’t be maxing out the card (and so have no cause to be concerned about interest rates). It is more necessary to pay the debt on time, which means that convenience reigns supreme.

Look for a credit union in your area.

To be honest, the majority of these so-called “hidden expenses” aren’t actually hidden, and OD fees are mainly created by spending more money than you have. As long as you maintain track of your expenditures, you should have no problems with any bank. Even if many large banks have removed OD fees, it is still critical to understand where your money is going.

If you live in the eastern United States…

TD Bank is not a horrible bank. Fees are often avoidable…and handy. Citizens should be avoided. They enjoy charging for anything.

To begin, it appears that you are referring to a debit card linked to a bank account rather than a credit card. If you don’t understand the distinction, try looking up debit versus credit card or what is the difference between a credit card and a debit card on the internet.

Look for banks and credit unions in your area that have local offices. You want an actual office or branch, not merely a bank that you can only deal with online. Then, research their websites, contact, or visit to select one with no monthly fees and either no minimum balance or a minimum level that you are confident you will be able to manage. Discover Bank froze and did not close my account

It is not a good idea to utilise an online-only bank. I’ve seen so many posts about individuals having difficulty resolving a problem because they don’t have a place where they can walk in and talk to someone face to face. Furthermore, there are some services that are extremely difficult to obtain online but are significantly faster, easier, and more dependable if done in person, such as obtaining a cashier’s check or depositing a particularly large or unique check.

 

 

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Discover Bank froze and did not close my account

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