Here's what happened. I got a message from a semi famous person on Instagram. Mike Holmes, but it wasn't Mike Holmes. He showed interest in me and offered to pay off my credit cards. He obtained access to my account. Sent in a fake payment than when that payment posted he recharged all the debt maxing out the card that was supposedly just paid off. Then they payment bounced, found out it was called an unauthorized payment, which technically can get me in trouble.

I changed my password, cancelled my cards, there were two under the same account. But now I have a bigger debt to pay off.