Consumer complaint received 2015-10-07
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX ( XXXX ) XXXX, finance manager from XXXX spoke with me back on XXXX XXXX, 2015. XXXX XXXX explained that as a finance manager he could help me to consolidate credit card debts into XXXX card with zero interest for a 48 months. I was agreeing with this until on XXXX XXXX, 2015, I received a telephone call questioning an overseas purchase for {$1900.00}. I immediately reported no to the question and thanked the person. As I began to think about the telephone call. XXXX XXXX telephone to ask about why I denied the purchase. I reported to XXXX XXXX that I was not in the habit of dealing with overseas merchant purchase. I was no longer interested in continuing this credit consolidation. Especially now that I was going to have increase of XXXX additional credit cards. When I only had XXXX credit cards. With a higher interest for only 12 month of zero interest. I was now feeling that XXXX XXXX was not forthright and honest with me about this whole transaction. 
On XXXX XXXX, 2015, I telephoned XXXX XXXX credit Card Company to report that fraud was occurring around a debt consolidation. XXXX XXXX reported that account opened in my name would be closed. Preventing any balance transfer to transpire in my name or account. 
Then I telephoned Discover Credit Card Company on, XXXX XXXX, 2015. XXXX XXXX told me that would close the account at once. Discover ( XXXX XXXX ) told me the transaction would not be processed. Next I was transferred to the fraud department again assured the transaction would not be processed. Then XXXX XXXX transferred my call to the department fraud is now being investigated. 
Then I began to receive suspicious telephone calls about what is my Discover credit card number for verification from a person that said her name was. XXXX. This was a follow up courtesy call for me. Since I have been a customer in good standing. Upon finishing the call, I made a follow up call back to Discover. I asked if this was a policy. The answer was no. Also I asked if there was zero interest for 46 months. The answer was no. It was again confirmed to me the fraud was under investigation. 
On XXXX XXXX, 2015, XXXX XXXX telephone to report to me that this was not a fraud but a scam. I do owe the balance on the Discover credit card. I requested the credit card account number. XXXX XXXX reported that he was not at liberty to tell me. Then I stated to XXXX XXXX that scams or not consider fraud & legal by Discover. XXXX XXXX reported this is not fraud only a scam. I ended the telephone call. Then made a follow up to call customer service ( spoke with XXXX XXXX ) from Discover. This telephone call I requested a copy of the XX/XX/XXXX statement as well as all statements. When was the new credit card sent to my address? The replacement card was sent back on XXXX XXXX, 2015, as was the statement. Then I asked more importantly where is the credit card itself, now? There was not response given to me. 
Now I am wanting written understand why now Discover is reporting to me that this is a scam not fraud? How Discover interprets a scam as not a part of fraud? How is it that Discover would appear to sanction a scam to transact a partial balance transfer in order to sanction several credit card accounts to XXXX individual without ensure the individual has prior written knowledge of Discover plan of action. When I reported to Discover Credit card Company of my suspicions around miss leading information given to me. With my verbal request not to follow through with any transactions from Credit Card Services or XXXX XXXX XXXX. 
I would requesting the following from Discover : All accounts in my name combined into XXXX single new account ; the new account balance of only {$6100.00} ( the amount transferred ) at a 0 interest for the existence of the balance pay off or for a time frame of 24 to 36 months.

Company response to consumer: Closed with monetary relief