Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year> there was an unauthorized transfer of {$13000.00} from my savings account in the Discover bank to a XXXX XXXX. I was notified of the transfer in a letter I received from Discover Bank saying it was a " suspicious '' transaction and asking if I authorized it? I immediately called the bank and told them do NOT transfer the money, they advised me the transfer was already made. Why they didn't contact me via phone or email prior to completing the transfer is beyond me? They restored the funds to my account with a " provisional credit '' on XX/XX/year>. I received a letter dated XX/XX/year> stating that their investigation deemed the transaction valid based on the fact I had made transfers in the past. I contacted them immediately and pointed out that the only transfers I ever made were between Discover Bank and XXXX XXXX XXXX  where I had my checking account. I wrote their Disputes & Investigations department in XXXX XXXX XXXX, UT on XX/XX/year> detailing everything that had transpired. I was notified on XX/XX/year> that they would be taking back the {$13000.00} on XX/XX/year>, on advice of counsel I transferred the funds to a savings account at another financial institution. I left {$440.00} in the account to keep it open until the matter was resolved, when they reversed the deposit they took these monies as well leaving a negative balance of {$12000.00}. I have been told repeatedly that the investigation was being reopened, that they would trace the IP address of the computer that did the transfer and also speak to the XXXX XXXX  to verify that I had never had a relationship with XXXX XXXX and, also determine where the funds went once received by Thread bank. I spoke to a XXXX XXXX on XX/XX/year> and explained the situation, she agreed that the investigation was flawed and would institute a new one. She called me back at XXXXXXXX XXXX XXXX XXXXXX/XX/year> and said the bank had agreed to reopen the case. On XX/XX/year> I was told the new investigation was started, that the bank would trace the XXXX address of the computer that completed the transfer and would also speak to the XXXX XXXX. I followed up on XX/XX/year>, I was told there was no activity! I was contacted by XXXX on XX/XX/year> who told me the matter would be upgraded to a supervisor and I would be kept informed. I called again on XX/XX/year> and was informed that nothing had been done. XXXX, who is located in XXXX, said she would " kick start it '' again and call me XX/XX/year>. I didn't get a call so I called for an update XX/XX/year>, I was told there was no new investigation and in order to start one they would need " documentation '', when I asked what documentation I could provide XXXX in Ohio could only reply " documentation ''. When I asked her to define " documentation '' she couldn't! This is where things stand today. If they had checked the XXXX address back in XXXX they would have found it wasn't my computer, if they spoke to XXXX XXXX  they would have found out I never had a relationship with the bank and, could have found out where the funds went, they did none of these basic investigative steps, why not is a mystery to me. They have closed my account and, at this point in time all I want is my {$440.00} that I had left in the account. If there is any further information that I can provide please let me know? 
Thank You

Company response to consumer: Closed with monetary relief