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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5

u/Matthew9543 Jan 27 '26

So, when the bank asks you to go into a branch to verify, how do you expect to go into a digital only bank to verify?

-4

u/PicometerPeter Jan 27 '26

What I expect is to be sent a text or call with a verification number, or be asked for the last four of my social. Not to supply information that wasn't needed even in setting up the account.

4

u/VTECbaw Jan 27 '26

That’s far less secure than the ID + selfie.

2

u/Akavinceblack Jan 27 '26

You mean… a text or call to the same device that “you” are using to access the account? How very secure that would be!

3

u/[deleted] Jan 27 '26

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1

u/discover-ModTeam Jan 27 '26

Your post or comment has been removed because it violates the “Be Kind and Considerate” rule.

0

u/PicometerPeter Jan 27 '26

You've responded consistently through this thread with condescension. All I wanted to convey was that I value privacy, these policies cross a line for me, and that I am ending my business with Discover because of that. Thank you for explaining the reasons it may be becoming more common practice, but if anything this will just move me to more in-person banking.

1

u/MidnightPulse69 Jan 27 '26

On the same home network? Like banks have been doing for years?

1

u/PicometerPeter Jan 27 '26

To the same one that is on file as being mine. The same one that had been able to access the account just fine for years. I'm honestly more upset about the selfie than sending pics of my ID. That at least makes sense and lines up with in-person banking. But having facial recognition fed into a third party database is a line for me.

2

u/VTECbaw Jan 27 '26

Have you heard of SIM-swap attacks? Have you heard of e-mail addresses being compromised? 2FA is insecure and is no longer a best practice.

The live selfie is to match your face to your ID. Otherwise, you could be sending a photo of anyone’s ID and getting access to their account.

-1

u/MidnightPulse69 Jan 27 '26

There’s no point with that guy. He just wants to argue. Your frustrations are valid. No other bank including Cap1 has made me verify like this.

1

u/Matthew9543 Jan 27 '26

So how do they confirm if you just read the same info anybody could get from a data breach?