Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted by a man named XXXX XXXX XXXX, who offered to help me pay my bills. He provided a routing number and account number to use for bill payments. At first, the transactions went through successfully, which established a sense of trust. Over the next few days, he began talking about ways to make money together and explained that this was how he could afford to pay peoples bills. He then instructed me to take money off my own credit card by sending it through a wire transfer via XXXX. I followed his directions and sent the payment. Around the same time, he told me to use the same banking information he provided to pay off my credit card balances. A few days later, those payments were returned, and my banks began flagging the transactions as fraudulent. I am unsure if the accounts he gave me were frozen, stolen, or otherwise fraudulent. Because of this situation, my Discover account was closed, and I am currently working with their fraud department to have it reinstated by providing evidence of the scam. My XXXX business account was also restricted because of a fraudulent check that this individual instructed me to deposit. The check was in the amount of {$9000.00} and was later flagged as fictitious. I did not know it was fake at the time of deposit. Based on the pattern, I believe his plan was to have me send him 40 percent of the funds once they cleared, after which the check would be reversed, leaving me responsible for the entire amount. 
The first transfer took place on XX/XX/year>, funded by my XXXX ending in XXXX for {$870.00}, and the second transfer was funded by my Discover card ending in XXXX for {$580.00}. Both transfers were initially made payable to XXXX XXXX XXXX for cash pickup at a XXXX in Florida. When the XXXX representative could not verify the receiver information, the suspect directed me to change the name to his accomplice, XXXX XXXX XXXX, so the transaction could be released. 
After these transfers, my banks ( XXXX, XXXX XXXX, and Discover ) detected suspicious activity and restricted or closed my accounts. I later discovered this was part of a larger scam involving fraudulent account numbers and a fake {$9000.00} check that he also instructed me to deposit. I did not know these activities were fraudulent at the time. 
I have the full receipts for both XXXX transfers, screenshots of all communication, and a copy of the drivers license image he sent to appear legitimate. I am reporting this incident as wire transfer fraud and requesting investigation into XXXX XXXX XXXX and XXXX XXXX XXXX for financial deception and fraud. 
I am filing this report to document the fraud and provide all the supporting evidence I have, including XXXX receipts, message screenshots, and transaction records. I am also submitting reports to XXXX, my banks, and federal fraud reporting agencies. 
I am seeking assistance from the XXXX XXXX XXXX XXXX to help investigate this scam, as the suspect resides in XXXX XXXX, Florida.

Company response to consumer: Closed with explanation