Q: Can a bank withhold your mobile check deposit without any reason or answer as to why despite numerous phone calls
I deposited my check on Friday my receipt said the first 250 will be available same day the rest on July 5th. The 250 never showed up I've called everyday since then and no one can give me a reason why no one is willing to help and I have lost my storage unit my belongings and have late fees and no gas to get to work and nobody at Discover is willing to help they say their hands are tied for no reason
A:
No, your bank cannot withhold a mobile check deposit without any reason. It seems likely that there is a reason, but the individuals with whom you have been communicating do not know what that reason is or are prohibited from discussing it with you.
It is not uncommon that rank-and-file customer service representatives do not have access to certain types of information, for example legal garnishments and fraud investigations. You should send a request for information directly to your bank's legal department or file a consumer complaint with the Texas Department of Banking.
https://www.dob.texas.gov/money-services-businesses/how-file-complaint
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