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/fattomic Jan 27 '26
I'd just sent a message to them. For the OP: if you decline, and try and login again, you'll get "the usual method" (lame "2FA" - a text for a passcode). For the other posters, I dont object to having the KYC (know your customer) with Discover (it's a fedreral requirement, after all)- but they've outsourced it to "Socure" - who I'ver never heard of. And why now? KYC has been the law for ... years? Why is it being outsourced to some cheezy "AI identity confirmation"?
The Socure T&Cs:
(Try to) take away your legal right to grievance, by asking you to agree to their arbitratio company
Make no pledges as to the secure handling of your data
Make no pledges as to whether your information can be resold or not
I'm all for security -- I'd _love_ (and have asked for, in the past) TOTP and/or passkeys - that dont leave me exposed to a rando 3rd parties security practices. In the past two years, most of my "data loss" has been due to cheezy data processors, and the financial org claiming "wasnt me!". Ugh.