he asked for my bank account info which I stupidly gave him
Did you give him the information to deposit money i.e. account number and sort code? Or did you give him the information to physically log in to your online banking?
Sugar daddy stuff aside, you should never give anyone the latter, especially not a stranger. Even if you had no money in it, your bank account is a valuable asset. By being associated with a person -- your bank presumably required some form of ID, and maybe address verification -- your bank account has a legitimacy that would make it attractive to money launderers or to be used as part of a scam. You don't want yourself mixed up in that.
On top of that, there is no reason for someone you don't know to request that information. If they wanted to transfer you money then they can do that without needing to login, with only a tiny amount of information.
In future when accepting a cash transfer (not from a sugar daddy), you may consider something like PayPal to offer one level of indirection from your actual bank account.
I found out he had transferred the money to some random person
As in, he had transferred the $200 which he deposited in to your account out of your account again, to someone you don't know? In which case, it could be money laundering.
he said he would send me money and didn't expect anything in return
In such situations, always ask yourself what the motivation of the other person could possibly be. Why might a total stranger want to give you hundreds of dollars, rather than to a charity, or to his family/friends, or even just to another girl who is prepared to fulfill the usual end of the sugar daddy arrangement?
Even if someone genuinely means it when they say they don't expect anything in return, you can't know whether or not they'll change their mind about that later. By accepting a large amount of money for nothing, you are putting yourself in a position where you may be susceptible to emotional manipulation later. "I gave you that $200, and you won't even _____ for me" etc.
If it sounds too good to be true, it probably is.
What to do now
You have made the first step by contacting your bank. Hopefully this has frozen the "sugar daddy" out, or they are at least monitoring it for suspicious activity.
I would speak with them again, but I don't think you have to divulge the sugar daddy part if you think it's too embarrassing. Just give them the facts:
- Someone you don't know contacted you online
- They seemed nice and genuine
- They offered to give you money
- You gave them your information
- They did transfer you money, but you didn't spend it
- The money was transferred to someone else that you don't know
This should be enough for them to take action and when you are able to prove your identity you should be able to regain access to your account.
It will probably depend on the specifics of the account as to whether your parents will need to be involved. If it is a children's account that they are associated with then they may need to be. If they are not associated with the account then you may be okay.
With any luck, it is just the one $200 transaction in and out, and I doubt the bank or authorities will care too much about that, if at all. They may look at where the money has come from or gone to, to see whether those accounts are compromised as well.
I hope this works out well for you. I doubt you will get into much trouble. You haven't done anything immoral so try not to feel too guilty about it, but giving a stranger your information was definitely silly. Everyone makes mistakes when they're young, it's all part of growing up.
If your parents do find out and give you a hard time, try to remember that it's only because they love you and worry about you.
I'm sure that you've already learned from this experience and that you'll be more careful in future.
