Consumer complaint received 2019-03-02
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX, I requested a balance transfer in the amount of {$12000.00} from my Discover card to my XXXX-XXXX card. This request was done electronically. 

On XX/XX/XXXX, the amount of {$12000.00} was received by XXXX-XXXX and applied to my account. 

However, on XX/XX/XXXX I noticed that the Discover balance of {$12.00}, XXXXstill remained, so I contacted Discover to see what the hold-up was. At that point, Discover said that they had NOT received any payment from XXXX-XXXX and requested that I set up an automatic payment with them so I would not miss a future payment. I did this as not to mess with my credit score and in hopes that this would be cleared up soon. 

On XX/XX/XXXX, Discover billed me for {$500.00} On XX/XX/XXXX, I contacted Discover. XXXX put me on hold to review my account, and then transferred me to another department. XXXX then told me that Discover had not received a payment from XXXX-XXXX, and requested that I contact XXXX-XXXX to initiate an investigation into what happened. 

That same day, I contacted XXXX-XXXX. The woman that I spoje with, XXXX, said that the money had to be received by someone and that they would have a resolution for me within 30 days. I was then transferred to another department where I spoke to XXXX who also told me that XXXX-XXXX would investigate where the money went and I would be notified via paper mail. 

On XX/XX/XXXX, I recevied a letter from XXXX-XXXX cardmember services stating that the transfer I initiated back in XX/XX/XXXX was applied to my Discover account on XX/XX/XXXX, in the amount of {$12.00}, XXXX ( letter uploaded here ). 

Because there had been no resolution, I began paying DOUBLE - money to Discover and money to XXXX-XXXX - to avoid falling into bad credit. 

Thus, on XX/XX/XXXX, My Discover balance was {$12.00}, XXXX. 

On XX/XX/XXXX, I contact Discover yet AGAIN. I began speaking with XXXX who put me on hold to talk with various departments. I was eventually transferred to XXXX who opened a missing payment case on my behalf. She said that they would have results for me in 15 days, and would reach out to XXXX-XXXX. In the interim, she provided me with a case number and requested that I send the letter XXXX-XXXX sent me on XX/XX/XXXX to Discover 's Payment Research Department. This is did in good faith. She also indicated that a credit would be applied to my account while this issue was being resolved. 

On XX/XX/XXXX, I contacted XXXX-XXXX  again and spoke with XXXX and then XXXX. Discover wanted additional information on how the money was sent from XXXX-XXXX  to Discover, so I was inquiring about that. XXXX was able to tell me that the money was sent to Discover as a check on XX/XX/XXXX. He provided me with the chek number, the routing number, and the account number. I then called Discover and spoke with XXXX, who I shared the above information with. 

Unfortunately, this information was not good enough for Discover. From my point of view, I have bent over backwards trying to provide information to them regarding this balance transfer. It has caused me nothing but stress and anxiety and yest Discover is the one continuing to benefit from this. Discover reached out vial email ( I have never received a phone call from them ) which stated that the information ( check number, rounting number, etc. ) was not enough and that they needed to see a cleared copy ( front and back ) of the check that was sent from XXXX-XXXX  to Discover. 

So ... once again, on XX/XX/XXXX, I contacted XXXX-XXXX. I spoke with XXXX, who said that he would be requesting a copy of the cleared check and have it mailed to me within 7 business days. 

On XXXX, I received an email from Discover stating that since they had not heard back from me, they are assuming that I have taken care of this on my own, and will be returning the balance to my Discover card. 

It is now XXXX, and I have yet to receive any information from XXXX-XXXX. 

I am sick of this run around. I have done my due dilligence, contacting each company month after month since XX/XX/XXXX.  Here it is, almost 6 months later, and not only am I paying off one credit card ... I am paying the same amount on a card that was transferred. I am beyond angry and frustrated with BOTH credit card companies for dumping this on me.

Company response to consumer: Closed with explanation