Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
On XXXX in one of the groups I am in, they had mention that they will be giving out their laptop away with the charger for free and that its in perfect health and good as new with a few scratches. I had reach out to this person XXXX through XXXX and said that I am interested in it. They were hesitant at first asking me why I was interested and I had mention that I attend XXXX and would be great to get my homework and XXXX  work done since I major in XXXX XXXX XXXX. Them saying they don't want the laptop to fall in the wrong hands and I said I needed it for my school work. Then they said congratulations and had ask me where I am located. I had said New York and they mention they will need my address to be able to ship it out, and I don't send out my address like that unless I am being send out something so I provided my information. Took a bit of while for them to reach out and they send me a screenshot of choosing standard rate from XXXX, and I had chosen the one with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX}. I was told I was going to cover the payment which I didn't mind because its for a XXXX XXXX. I had ask where is the best way for them to receive the money. I had mention I only have XXXXXXXX XXXX XXXX and we went with XXXX first but I wasn't able to send it well, they had provided me with an email for XXXX which was XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) and I wasn't able to send it out. I had ask them to email my XXXX and request the money for me to send it over but then they provided me with their XXXX information. I then tried out XXXX and had ask if its with the same email or different and they provided me with a different email and a different name, the email XXXX with the name XXXX XXXX. They had mention to send out a portion of the money first and then the second and to provide screenshots of sending that information, I send out the XXXX XXXX and received a confirmation number from XXXX and I send the screenshot to them, then I send the {XXXX XXXX  They said they on their way to XXXX and for me to stay active and I was active. They send me a video of a TV which was suppose to be where the XXXX location was but I didn't see no sign with XXXX  since it was a short clip. They then told me it was getting packed up and I was asking for a tracking number. They said they pay for the shipping and the laptop is already packed and they were told that I have to pay for the insurance fee which is {$69.00} and the tax {$86.00} a total of {$150.00}. I said I don't have the money on me and the sender kept insisting if I can try to see how much I can put and they cover the rest. I ask why pay more when everything is payed and they said because of missing packages thats why insurance and tax is included and I said that is a lot. I said I only have {$65.00}, but they said can I do {$75.00}, and then I didn't want to owe the person money and they said its okay they understand and for me to send the screenshot when I send the money that I can. I send out {$80.00} and receive a confirmation from XXXX. The sender provided my information to them and i had continue insisting with a receipt with the tracking number but he said that the person he send the laptop too which is suppose to be the XXXX  worker will contact me. Today a XXXX XXXX me to confirm my info, and I need to pay {$75.00} to charge the ownership receipt which is when I learn it was a scam and took screenshots of all messages if need. I tried texting the person on XXXX to send me my money back but they refuse, until I pay them so that they pay me back which is ridiculous. I tried reaching out to Discover Card Customer service but they said that because I authorized these XXXX transactions they can't do nothing, nor when I had mention they were fraudulent charges, Discover still validated them as valid transactions. I even made a new account and my old bank account was closed because I had mention these transactions were fraudulent and Discover just said that these are valid transactions and won't be disputing these charges back to my account. A total of {$210.00} XXXX. The person through XXXX has been also sending me XXXX XXXX XXXX  which I won't be putting here. 

XXXX XXXX I think their handle is XXXX Their XXXX info XXXX name I think XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name was change to XXXX XXXX Now for the suppose XXXX Employee through XXXX the name is Loyality and number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation