Consumer complaint received 2023-06-01
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I acquired a new 0 % int on purchases and 3 % balance transfer with Discover card an on Thu XX/XX/XXXX, I iniciated a transfer to higher int XXXX XXXX XXXX XXXX XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX Merchant category is Balance Transfers for the amount of {$7000.00} This transfer didn't go through because I incorrectly missed one number on my XXXX digit XXXX  card. I called Discover ( XXXX ) and spoke with XXXX, and I asked for the payment to be cancelled and reissued but was told the payment was in process and can not be cancelled, to wait a few days and call back again to have the payment cancelled. I told XXXX I needed pay the other card in time and I wanted to avoid a late payment if the transfer to the other account was not made on time. XXXX ( or XXXX XXXX said what you could do is use the {$5500.00} you have left and issue another transfer. I said yes that sounds like a good idea, but I don't want to pay another 3 % for another transfer fee. And she said that would not be an issue you can go ahead and issue the second transfer and when the first transfer issue is resolved and the money goes back to your account, we waive the transfer fee. I accepted and she did the second transfer for me in the amount of {$5500.00}. Wed XX/XX/XXXX Merchant name XXXX XXXX  XXXX XXXX XXXX APR 0.00 % EXPIRES XX/XX/XXXX {$5500.00}. The transfer wad done and I filed a dispute with Discover to get the first transfer cancelled. XXXX asked me to call XXXX and explained what happened which I did immediately. I waited a few days and I saw that the first transfer was posted to my XXXX account. I spoke with XXXX again and asked for the funds to be returned to Discover but was told that their system would not allow it and the only thing they could do was to credit the checking account I have on file with them and to issue the amount payment back to Discover. As the only option given I accepted and called Discover back and explained that I would be returning the payment amount. They said that would be ok but they could not return the transfer fee amount. I explained the conversation I had with their representative days back about the transfer fee which I was assured that it would be refunded but they are now refusing to credit the transfer fee back in spite of the fact that they were the ones who advised me on what to do which I did exactly as the told me and now is falling in deft ears. I asked to speak with a superior which I did yesterday XX/XX/XXXX And after having a long conversation with XXXX XXXX Discover still refused to issue refund weather I return the full amount back or not which I intend to do. They plainly lied to me for not living up to their verbal agreement we had which they have documented and reordered and admit to the conversation we had but are using lame excuses to justify to what I perceive to be predatory lending practices. First their systems should recognized the XXXX cards are XXXX digits and reject the XXXX digit entry and secondly and more important they should have not lie to me saying that my transfer fee would be fully refunded and now look the other way ignoring the fact. So much for trustworthiness.

Company response to consumer: Closed with monetary relief