Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

I connected with someone on XXXX who had a profile as an instructor at XXXX XXXX XXXX XXXX University XXXX XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the XXXX account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward with using my Discover card for balance transfers from other credit cards so I could get cash advances from them to send bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. 

I contacted Discover about this when I realized that it was likely a scam, saw all of the money he sent through to my Discover card had been sucked out after I did balance transfers. They told me I am responsible for the debt even though they authorized the release of funds while apparently the money he sent through was still processing. I also sent them the attached letter by registered mail a few weeks ago and have not heard back from them regarding how they would be able to at least reduce the debt and interest being charged, or hopefully release me from being responsible for the balance transfers that occurred during the time he was ending funds through and then sucking them back out. 

The information below is from credit card statements Discover sent and the payments over {$1000.00} shown below are the payments he sent through to my account : XX/XX/XXXX CASHBACK BONUS REDEMPTION PYMT/STMT CRDT - {$63.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$500.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT - THANK YOU - {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$3500.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} APR 0.00 % EXPIRES XX/XX/XXXX BAL TRANS FEE {$57.00} BAL TRANS FEE {$490.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} RETURNED CHECK CHARGE {$29.00} TOTAL FEES CHARGED IN XXXX {$1200.00} TOTAL INTEREST CHARGED IN XXXX {$0.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX PAYMENT ADJUSTMENT {$10000.00} XX/XX/XXXX XXXX XXXX BUSINESS CARD XXXX M Balance Transfers {$1900.00} APR 0.00 % EXPIRES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DE Balance Transfers {$16000.00} XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX PAYMENT - THANK YOU {$10000.00} SECURITY DISPUTE ADJUSTMENT XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$730.00} XX/XX/XXXX TRANSFER BALANCE - {$30000.00} The payments shown here were also sucked out but show as " Transfer Balance ''. 


XX/XX/XXXX TRANSFER BALANCE - {$30000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$800.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$30000.00}