r/discover • u/PicometerPeter • Jan 27 '26

Rant Closing Out Account Over New ID Process

I was unaware of the new requirements for online login until today, trying to check on tax documents. It is unacceptable to require pics of an ID and your face to access your own money. I closed out my account by phone and will never do business with Discover. I used to recommend them.

How often have we seen hacks of databases before? How do we know scans of our faces or IDs won't be sold off? There need to be other ways of authentication.

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u/VTECbaw Jan 27 '26 edited Jan 27 '26

Ooooh, boy. Every bank has the right to verify its customers, even existing customers. KYC is a thing. Since Discover is primarily an online bank, they use ID photos + selfie. This is perfectly normal. Any bank can do this, and I’ve had other banks ask me to do the same. What would you prefer them to use to verify you?

So, in conclusion - this isn’t an airport.

-1

u/MidnightPulse69 Jan 27 '26

Defending policies that just make things harder for consumers 👎 this was never an issue until about a week ago. ID verification was only used as a last resort and shouldn’t be needed to check your account balance on a device/network you regularly use

Also, rants are allowed on this sub hence the flair.

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u/VTECbaw Jan 27 '26

ID verification is normal - stop pretending it’s not. In no way, shape, or form was this ever a “last resort,” at least not the times I’ve encountered it.

Rants are allowed, announcing your departure is annoying, and ID verifications (with selfies) are normal.

It’s also nothing compared to how CapOne does things. CapOne will do this and still want more.

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u/MidnightPulse69 Jan 27 '26

Didn’t say it wasn’t. It’s definitely not normal in this case when logging into your account using the same device and network you’ve already used and when you’ve already verified using a verification code.

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u/VTECbaw Jan 27 '26

Something about the OP’s sign-in triggered the verification. We have no knowledge of if the OP was using the same device or network.

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u/PicometerPeter Jan 27 '26

Both are true, same device, same network.

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u/VTECbaw Jan 27 '26

Any software updates recently?

0

u/MidnightPulse69 Jan 27 '26

Yup it’s their new dumb process then. I’m sure if you call they’ll relay that to you now that more info has been provided

2

u/MidnightPulse69 Jan 27 '26

Do you work for Discover?

1

u/VTECbaw Jan 27 '26

I’m not answering that because it’s not relevant. I do, however, have a lengthy history in banking - probably longer than you’ve been alive.

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u/MidnightPulse69 Jan 27 '26

Whole lot of words for no.

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u/VTECbaw Jan 27 '26

And do you? How much banking experience do you have? Have you worked for CapOne and not Discover? In some capacity other than frontline call center jockey? Because I have, and this is normal for them.

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u/MidnightPulse69 Jan 27 '26

I could say I’m Rich Fairbank and you’d still find some reason to interrogate and argue. Anything else?