Discover Credit Card Complaint

Discover Credit card department,

APR or interest rate Arizona

Discover offered me an approximately year long 0 % balance transfer offer about -/-/--/-/-. It was for approximately one year. I had a small balance on my Discover at the time to the best of my recollection. I received a somewhat larger than normal bonus -/-/-, so paid off the rest of my Discover balance to take advantage of the 0 % offer. I received checks ( unrequested ) from Discover for this offer, and they said I could deposit directly in my checking account. Id did that for approximately $8000.00. I then also paid off some other balances on other cards on line. About a week later, after paying off other balances, etc. in reliance, I woke up and checked my checking account to see an approximately -- negative checking balance. Despite my account having been - with Discover, they erroneously reversed the 0 % deposit check, which caused my checking to go negative, massive other payments to get reversed, and huge checking fees. I still have $43.00 in fees my bank never reimbursed me. I was in a panic that all my other lenders would send me into a default rate. Discover fell over itself apologizing for the


year. I got my -/-/- statement today and lo and behold there is $43.00 and change in interest on there. About half of the original what was supposed to be 0 % for a year reverted back to purchase rate 16.24 % in -/-/-, 6 months or so early. The rest of my balance is still at the 0 % where it is supposed to be through -/-/- or -/-/-. I just noticed it, called Discover and spent a half hour on the phone. They can not explain how I have - different rates and terms on what was all supposed to be a single transaction at 0 % for approximately a year from -/-/-. Again, the only reason they ended up doing half transfer and half manual readjustment to 0 % purchase APR on their end was their mad scramble to get the money back in my checking account before I went to default rate on everything and, while I was successfully paying off debt, nevertheless get thrown into BK because of Discover pulling the carpet out from under me. Some thanks for paying off my Discover balance and being a good consumer. So to sum, they improperly reversed the first check, then put together a deal to get the money back to me which was still supposed to be the same terms ( 0 % for a year ), yet they have cut the term in half for half the deal, which will cost me several hundred in interest plus the original banking fees I still have not been reimbursed from their first mess up -/-/-. You ca n't have - sets of terms out of a single deal, just because it turned into - or - transactions solely because Discover 's own error resulted in that ; had they not improperly reversed the - check I never would have had a negative checking balance that created an emergency that resulted in Discover having to send me out new checks, make manual account adjustments to my terms, etc. - if the boilerplate language to that - set of docs is different, that too is their problem - we would not be dealing with those had they simply honored the first check. The - one I deposited that they improperly reversed was for about $ - for a year at 0 %. That is the deal I should get on my whole balance, not half. They need to honor it, reverse the -/-/- interest charge, and reimburse me the $43.00 in bank fees I never got back from their error -/-/-.