Product: Credit card

This is to open a case that you seem to have closed without responding to my dispute. Case XXXX. I know you can probaly pull it up but I have pasted my past 2 efforts to fight this. One new peice of evidence we found from a XXXX bank executive we had look at this as a friend is Discover NEVER warned us they were putting all the money back in our account. It just showed up after we had been given permission to wihdraw. He informed us this was illegal. We have spoke with 3 attournys through paid consultations. All have said we would win the case. But to take a compnay like Discover to court would cost $ XXXX + and that was a guess. We are at a loss. Even after a guily plea. Please help! 

During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. They were very helpful and unwound all the charges in a timely manner. When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. I called Discover and they said my case was opened back up and all deposits had been unwound. After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type F6 - Felony 6 Filed XX/XX/XXXX Status XX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ 600 monthly payments on money I NEVER spent! 

Dispute after your responce. 

Thank you for your patience with my response and thank you for taking the time to look further into this matter. I'm responding in great detail to continue my fight for a resolution. Regardless of financial irresponsibility on our part, there was an actual crime committed against us that we should not be held accountable for. The person in question plead guilty. Attached you will find all court records, guilty pleas, and sentencing from the court proceedings. This can also be found publicly on mycase.org under the convicted name of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I share multiple credit cards. A very hard lesson learned the hard way, we set our payments up on autopay and rarely check balances. We look at our credit card accounts from how much our automatic payment was, not itemized. We use the credit card for points or air miles, etc. My wife will get email notifications frequently and will switch cards to accommodate the benefits offered. However, there was only one card being used consistently at the same stores. At the time the card was being used consistently, my wife worked in an area close to where the card was being used. But not in the actual town where she worked. XXXX XXXX is close to XXXX, XXXX, and the other towns where it was used but not close enough for her to just use them there as frequently as the card was being used. The drive is at least XXXX XXXX in the opposite direction from where we live. Our house is a little less than an hour from where she worked ( XXXX XXXX, XXXX XXXX ). This is where I admit to financial irresponsibility. If I were to look closely at the charges in the frequency and compare to her schedule, I would have questioned it a lot quicker. Since I was briefly summarizing the bill with the location, I thought it could have been her. The stores that the convicted person used are all the same stores that we would use where we live. Stores like XXXX, XXXX, XXXX, XXXX, XXXX etc. Seeing these stores never made me question and location isnt always shown. The most convincing part that shows our innocence is the video evidence of the convicted. The police department in XXXX after when we made the initial complaint, found the videos of XXXX XXXX using our card after just a little bit of time. The most frustrating issue is that Discover has been essentially unreachable during this process. Numerous phone calls and hours of attempts were made to talk to the right individuals with no luck. 

In the beginning stages of this process, Discover returned all the money to our account. I questioned this specifically numerous times with multiple employees, they confirmed each time that it was safe to withdraw the money. Discover had to release the money in order for this to happenn as well. I couldnt have just done that on my own. We trusted what we were being told. 

Randomly, WITHOUT NOTICE, Discover decided to take the money back at a higher number than the predicted fraud amount. An amount Im now paying nearly XXXX XXXX dollars a month with a XXXX XXXX dollar balance just to save our credit as we sit at over XXXX XXXX percent utilization. I am now being threatened to pay in full or the account will be sent to collections. To summarize, XXXX XXXX admitted to taking my wife 's Discover card without permission, using her Discover card unlawfully and now is a convicted felon to over XXXX XXXX dollars. We have done everything we have been asked to do. We are evening making payments toward the balance that Discover placed on our account to save ourselves even further from this. We took ownership of the irresponsibility on our part. However, Discover is not taking any responsibility for their actions and lack of actions in this fraud case. We are still fighting Discover on the balance that is currently on our account that is not genuinely ours to pay.