Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
Charges from on my XXXX XXXX and Discover were made by imposters to a XXXX account in the name of XXXX XXXX. Many transactions, XXXX in total I believe. From XX/XX/XXXX- XX/XX/XXXX. Was notified by XXXX of this fraudulent activity. 

XXXX reversed the charges from XXXX back to my XXXX and Discover. However, Discover disputed the reversal. However, XXXX deemed the charges to be fraud as noted by XXXX crediting me back for the fraudulent charges. 

Additional charges were made to both XXXX and Discover that are related to a charity give away. Specifically, charges to game stop for XXXX and XXXX gift card. These cards were redeemed my these imposters. Which I filed a police report XXXX. Police report provided. 

Was contacted by someone who claimed was the XXXX XXXX. Claimed these funds were requested by XXXX de XXXX. But this person is an actress. Why would this actress be requesting money? 

I dont know who made those charges from XXXX and Discover to XXXX XXXX Appears those XXXX charges may have been made my the XXXX de XXXX imposter. Possibly the XXXX de XXXX imposter is XXXX XXXX or this XXXX XXXX. Why? Because seems from leaked information by XXXX XXXX, the money sent from my XXXX and Discover were for someone by name of XXXX XXXX XXXX to be a XXXX user, Who is also an imposter. Email : XXXX. 
Phone : XXXX This imposter has blocked me. 

XXXX XXXX claims I stole his money {$29000.00}. Claims I owe him. Claims his XXXX account has negative balance. But would not show me. XXXX XXXX claims he works crypto. And Someone contracted him. Claiming to be XXXX XXXX ( me ). However, I dont even know these people. Claims to have address of person he sent crypto from his receipt of the XXXX funds. But would not provide the address. 

I was given court documents which contain XXXX XXXX and XXXX de XXXX name. Have confirmed these court documents are fake. Again indicating these individuals are fraud. Falsifying court documents. 

When I confronted these imposters. XXXX and XXXX XXXX claim they do not know nor are they associated with XXXX de XXXX. The imposter XXXX de XXXX claims she knows and works with XXXX. That XXXX is on the camera crew for film industry. However, XXXX XXXX is employed at a hospital in XXXX according to XXXX and XXXX XXXX. 

The imposters also claims XXXX XXXX XXXX is an attorney for the film industry. However, confirmed that the real XXXX XXXX XXXX is not an attorney for the industry. But is an attorney in XXXX specializes in mergers and acquisitions and doesnt know XXXX XXXX XXXX the actress XXXX de XXXX XXXX 

Prior to being blocked. Interesting XXXX boyfriend is XXXX XXXX And this attorney imposter is XXXX XXXX. I think this a big part of the overall fraud ring based in XXXX. 

Further investigation. And inquiry. Who ever was that requested and paid these funds from my XXXX and Discover. Who ever captured the XXXX Give away gift cards. Who I believe was either XXXX XXXX or XXXX XXXX The path went from : - [ ] XXXX & Discover to XXXX XXXX XXXX 
- [ ] XXXX XXXX to XXXX XXXX. 
- [ ] XXXX XXXX to? 

Have spoken with XXXX as to who those XXXX funds were given. Without a police report, XXXX will not release further information. Only that the funds were sent from my XXXX XXXX and Discover cards to XXXX XXXX account. 

Have spoken with XXXX. And have police report which XXXX requested. But seems XXXX investigation only proves the cards were redeemed by an imposter. 

You will also see a screenshot, these imposters attempted to use my XXXX for a go fund me for {$230.00} on XX/XX/year>. But XXXX protected and declined such charge. 

You will also see a screenshot of an imposter ( XXXX ) XXXX fraudulently has attempted to provide / link account information to my account. Notifying a XXXX XXXX de XXXX. Who again is believed to be an imposter. 

Determined I believe this to be a fraud ring based in XXXX. 

- XXXX XXXX lives in XXXX - XXXX XXXX is XXXX XXXX boyfriend according to XXXX. But claims to not live in XXXX. Claims to live in XXXX 
- XXXX de XXXX is an imposter. I dont know where this imposter lives. But XXXX is the XXXX. 
- XXXX XXXX is a security cyber hacker according to his bio. Claims to XXXX in XXXX. But phone number XXXX is XXXX. 
- XXXX XXXX XXXX is an imposter. The real XXXX XXXX XXXX is an attorney in a XXXX. Specializes in mergers and acquisitions. Not legal counsel for entertainment industry. 

Contact information that has leaked prior to being blocked. 

XXXX XXXX : XXXX XXXX de XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Communication with all these Individual imposters has been only with telegram or XXXX XXXX XXXX XXXX. They investigated their portion of the XXXX activity. As well as additional charges ( charity give away XXXX gift card ) to the card. They deemed all charges fraud and have already resolved and closed the fraud investigation in my favor. Crediting my account for those fraudulent charges. 

Filed a police ( XXXX ) report XX/XX/year> Filed a new police ( XXXX ) report XX/XX/year> Filing FTC and CFPB reports. 

Filing report with the Attorney general. 

I will also be filing disputes with credit bureaus, and tXXXX XXXX XXXX XXXX 

Evidence all reflects fraud by these imposters. 

XXXX deemed this activity to be fraud. 
XXXX deemed the charges XXXX. 
XXXX deems all charges fraud. 

However, Discover is a holdout. Claiming this is not fraud. Claiming charges and payments made by these imposter were authorized. Evidence shows I did not authorize. However similar charges and payments to XXXX was deemed fraud already and case closed. Ive sent discover stacks of documents reflecting evidence that not only all charges and payments were fraud. But the imposters all appear to be in Georgia area. 

Is believed these importers gained access to my XXXX XXXX on my XXXX where my XXXX and Discover were linked. In a previous report. An imposter from Georgia applied for a loan in my named but because my credit is locked. They couldnt proceed. XXXX XXXX XXXX contacted me of this suspicious activity and being I am on alert now, I disputed and XXXX investigated, also determining this to be fraud. XXXX would only share that someone in Georgia applied online. Copy of the letter from XXXX XXXX XXXX is also included. 

Have shown Legal court documents which XXXX has noted are fake and that XXXX does not know any of these imposters. Have also contacted the real XXXX XXXX XXXX based in XXXX. Confirming that he knows nothing of the people Ive listed. 

Yet, Discover claims this isnt fraud. 

Because of Discovers Negligence, I attempted to resolve this on my own. Without involving others. But seems I need help. Why am I doing Discover card fraud job for them. 

All of these imposters have been blocked or deleted from my XXXX at request by the Utah Sheriffs office. 

Many email to XXXX XXXX to understand who was involved. And to understand the flow of those transactions and who was responsible. This person too XXXX be fraud. I dont know. But XXXX leaked information giving me the name of XXXX XXXX as her boyfriend whom she gave the money. Eventually XXXX XXXX contacted me. Telling me I stole his money and he had a negative XXXX balance of more than {$29000.00}. Learned that this imposter ( XXXX XXXX XXXX XXXX be the same person claiming to be XXXX de XXXX, requested all XXXX transactions to XXXX. 

I contacted the person claiming to be person claiming to be the actress XXXX XXXX de XXXX and the Security XXXX, XXXX XXXX demanding payment. They agreed they would pay the Discover and XXXX balances. After many unfriendly exchanged messages, they paid the balances of both the XXXX and Discover. XXXX XXXX de XXXX, XXXX XXXX, and XXXX XXXX provided these payments. However, was notified by XXXX first I believe that the payments was from a fraudulent account. And was rejected. XXXX Froze my account. Next day, Discover also notified that the payments were also fraudulent. And the payments rejected. 

Its interesting. Someone attempted to apply for a loan in my name through XXXX XXXX XXXX. And the fraudulent payments to XXXX and Discover cards are made from a XXXX XXXX account. Yet Discover claims this isnt fraud. Theft of Identity is fraud? Providing false payment to a financial institution isnt a federal offense? Based on the routing number ( XXXX ) these fraudulent payments came from a bank in Florida. The account number is masked. But ends in XXXX. 

Its very frustrating. XXXX of Discover is {$25000.00}. I have disputed XXXX. Discover case # XXXX. Stating fraud. I refuse to pay discover for charges I didnt make. Yet discover reports delinquent to credit. And its destroying my credit. 

How can everyone except discover say fraud. If transactions arent fraud. Certainly the payments from a fake account are fraud. When paid from a fake account. 

I am retired. On social security. Social security barely covers my monthly bills for housing, utilities, insurance, medical and food. 

This needs to be resolved and these imposters held accountable. These imposters need to be stopped. Put in jail. I am not the bad guy here. Yet am being held accountable for something I didnt do. XXXX protected me. Resolve the fraud case. Charges to XXXX were similar to Discover. Yet Discover wont protect me and go after these fraud people. 

I will repeat myself. 
- sheriff reports this as fraud - XXXX reports this as fraud - XXXX reported all charges as fraud- Discover is holding me accountable. Why. Because I gave those responsible ability to pay those balances. 

There are more documents which can be provided including police reports

Company response to consumer: Closed with explanation