Complain about a product or service

Discover Card

Balance Transfer

Discover • Balance transfers • Cancellation problems • Delinquent accounts

Donald of Medford NY (7/8/03):
I was first told a balance transfer of any amount would be 5.9% for the balance till it was paid off. Then when she read to me what I was agreeing to she said the balance transfer was 5.9% till Dec. 2003, and I would have to make another transfer at that time to extend the 5.9% rate monethly. I told her I didn't want to make the transfer and hung up on her. when I get the statement the transfer was made! I called customer service and they told me there is nothing that can be done.

Lillie of Gatesville, TX, writes:
I signed up for the balance transfer program offered by Discover. Discover was supposed to transfer the balance of three of my credit cards to the Discover Platinum. They were to pay Shell Mastercard, WalMart, and Goody's Family Clothing. Unfortunely, instead of paying Goody's Family Clothing, they paid Gordon's Jewelers. I don't have a Gordon's account.

Discover would not contact Gordon's Jewelers and left it solely up to me to contact Gordon's and attempt to recover the misdirected payment. Discover was also supposed to pay off my Wal Mart account. It has not. I have called, faxed, written ... I have done everything I know to do and Discover insist that WalMart has received payment. Discover says the payment was applied to my WalMart account on 9/15/00. This is not true. I received a letter from WalMart on December 12, 2000, and they say they have received no such payment. Discover sent me a copy of the cancelled check, but I am not a financial institution. I have no way of tracking down who cashed this check, and I do not think that is my responsibility, although at this point, I will do anything within my means to find out who cashed it.

So three and one-half months have passed since my Discover card was charged $556.83 to pay off my WalMart account, but my WalMart account still has a balance of $556.83, and BOTH accounts are drawing interest. I don't know what else I need to do to make Discover card acknowledge and correct their mistakes.

I have wasted hours trying to find out who cashed this balance transfer check. Discover Platinum has done absolutely nothing to help me resolve this matter ... a matter that is a result of their error. And this entire time, Discover has never called. Discover has never written me anything more than a standardized, impersonal letter telling me to contact WalMart. I have contacted WalMart. It is time for Discover to contact WalMart, and it is time for Discover to acknowledge their mistake. This has cost me money in interest and it has cost me money in late charges.

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