Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/year>, a phone call woke me up in the morning from a man who identified himself as a Discover Bank agent. He said there had been some fraudulent activity in my accounts, that someone was not only making online purchases, that they were trying to wipe out all my account, moving funds from savings accounts to checking. Since the man said they were calling from Discover Bank, I believed him. Everything he was saying seemed to be accurate because when I logged into my account, I saw that funds had indeed been moved to checking. He repeated the amounts that were in each of the XXXX accounts ( XXXX savings and XXXX checking ) and I confirmed the amounts were correct. He asked if I had received a text from Discover warning me about the fraud suspicion and I checked my messages, and yes, there was a text from Discover Bank. He claimed he was stopping the wire from going through and asked me for different information, including my driver license, resetting my password. The call lasted XXXX hours since he said he was creating new accounts to replace the old breached ones and that after that, he would then move funds back to each account just the way things were before. He mentioned the person who was trying to steal from me is named XXXX XXXX, some address that starts with XXXX B XXXX XXXX in XXXX Massachusetts. Shaken and panicked, I repeated multiple times that I didn't know anyone in Massachusetts, or any XXXX XXXX. He said she was trying to move the funds to XXXX XXXX XXXXXXXX and gave me an account number to enter in XXXX of the fields since he was " reversing the transaction ''. He told me to to calm down, that that's why Discover ( he ) was there to catch and to resolve the issue. The call dropped eventually. I immediately called Discover Bank back and asked them to redirect me to the agent who was trying to help me. Discover told me that they don't have a way to forward calls to other agents and that there were no notes at all left on my account, that they had no idea what I was talking about. Discover told me to " undo whatever this 'agent ' had told me to do ''. Panicked and scared again, I asked them to please look into my account. Discover said all they could do at that moment was suspend/ freeze my accounts as they investigated and hopefully stop the wire transfer. Discover told me to call 2 days later. I called on XX/XX/XXXX and was told my money was all " gone '' and that there was " nothing left to further they could do '' because they were not able to recall the wire. After 3 days and several calls to Discover, Discover advised that I contact my local police and report the matter. I contacted the XXXX XXXX Police Department. They told me Discover is supposed to return the money and they would be the ones to follow up with this incident, report to authorities. Discover did not and insisted the money is gone. They gave me a case # to XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). I called XXXX XXXXXXXX XXXX, but received no help. Police case # open : XXXX. The total stolen amount of {$72000.00} was everything I had! This money was ALL I had, and {$60000.00} of it was supposed to go towards a down payment on our first home next month! I am distraught, emotionally and mentally damaged, I don't know how to move forward. I am humbly BEGGING the authorities to please look into this matter. Discover has refused to return the funds, claiming the wire transfer isn't FDIC protected and that I authorized it. I SWEAR on my mother and father 's names ( who are deceased ) I did not authorize this transaction in any way. I trusted Discover Bank with every XXXX I had only to lose it and for them to tell me " sorry '' : ( PLEASE PLEASE HELP!

Company response to consumer: Closed with monetary relief