My question involves bankruptcy in the state of: California
I received a letter from Discover Card stating that I was due a refund for Protection Product Enrollment. They recently entered into an agreement with the FDIC. The refund check was supposed to be sent no later than Feb. 21, 2013. When the check did not arrive, I contacted Discover and they stated that the refund had been applied to a "charge-off" on a closed Discover card account. I filed Chapter 7 Bankruptcy 7 years ago and my Discover card debt was "discharged" by the Court. It was not a "charge-off." How can my settlement refund money for Discover card fraud be refunded to Discover? I'm the individual that was harmed by the fraud and I am to be made whole by the refund. Also, aren't bankruptcies discharged debt as opposed to a charge-off? Please advise as I feel victimized even more.

