This is one of the worst situations I have encountered. My husband, who has cognitive failure, opened a CD late at night on the internet, unbeknownst to me.
He gave them all our banking information including account number and routing number.
I discovered it about an hour later and we proceeded in trying to get the account closed.
Mind you, it had not been funded. There “security” policy would not allow them to close the CD account but they could open it.
We tried through the night to get it closed, to no avail.
We called Discover Bank again and were told they could not close the account or stop from trying to get the funds out of our bank account.
We called them again and they had all their “supervisors” in meetings.
We called back and still the same story, they cannot close the account for “security reasons and their policy”.
I have spent hours on hold waiting for a “manager”.
They pass you along to “managers” after you have been on hold with absolutely no intention of complying with your request.
They will not budge on their policy which is completely inhumane to the mental strain it puts seniors and other unassuming people through.
Be very aware of their practices and make sure passwords are not available to those who do not have the mental capacity to make a good decision.
Discover Bank will have no mercy on the situation.