Discover balance transfer debacle

[Pway]

I am crossing my fingers for you that this works out in your favor.  It's not your fault that the rep put in the wrong address of where the check need to be mailed to.  

[SUPERSQUID]

---

@Pway wrote:

I am crossing my fingers for you that this works out in your favor.  It's not your fault that the rep put in the wrong address of where the check need to be mailed to.  

---

Thats exactly what i told them. when i do a bt i always have the receiving banks name and address in front of me, i am not privy to see whats on a csr's screen. i told them since the error was on their side im only asking to redo that same exact bt for the zero/15 month term.

[SUPERSQUID]

---

@OmarGB9 wrote:

---

@SUPERSQUID wrote:

---

@OmarGB9 wrote:

Hope it gets rectified. But wasn't there an option to put in the payment address when requesting the BT?

---

When i originally wanted to do the bt i wished to do it from the site, the site wouldnt let me get past step one, a popup told me i couldnt do a bt, then i called cs to do it

---

Yes but even when you called in, they didn't ask for a payment address?

---

This time i attempted to give them the right address but because its past the cutoff date of 10/10 they have to manually over ride the system to reinstate the offer. the lady supervisor today told me they will contact me in the next 2 days , most likely tommorow and then my new offer lasts 2 weeks and i can call them back with all the details.

[SUPERSQUID]

Bad news. Discover just called me and denied to reinstate the bt. the lady said it was up to me to provide the proper info even though when i originally gave the csr the card number and amount and she asked me no other questions. there is no appeal.

this is a warning example to other folks that if they do the bt with a csr give all the info regardless of what they say.

[difringe]

Once again, a client has to suffer because of ineptitude on the side of the financial institution. I'm sorry to hear they didn't work to make you whole. It's crazy that they literally made the mistakes yet you're the one who has to deal with the consequences. I'm not sure if anyone is aware of any entity that you could contact to try to make this right?

[OmarGB9]

---

@SUPERSQUID wrote:

Bad news. Discover just called me and denied to reinstate the bt. the lady said it was up to me to provide the proper info even though when i originally gave the csr the card number and amount and she asked me no other questions. there is no appeal.

this is a warning example to other folks that if they do the bt with a csr give all the info regardless of what they say.

---

Sorry for the denial. Perhaps file a complaint with the CFPB?

[SUPERSQUID]

---

@OmarGB9 wrote:

---

@SUPERSQUID wrote:

Bad news. Discover just called me and denied to reinstate the bt. the lady said it was up to me to provide the proper info even though when i originally gave the csr the card number and amount and she asked me no other questions. there is no appeal.

this is a warning example to other folks that if they do the bt with a csr give all the info regardless of what they say.

---

Sorry for the denial. Perhaps file a complaint with the CFPB?

---

Nah its unlikely i will file a complaint, i did call them again though and got another supervisor. she said the bt offer on my first disco 12 months for zero int is good until december 20th. i am considering taking half the 2400 onto that bt and wait because that supervisor told me at some point they will send me another bt offer on card #2. i didnt want to put 2400 more on card # 1 because that one has a cl of 4500 and a current balance of 569 plus the bt fee is 5 pct, my utility would be sky high if i did that.

two good dp's that came from this,

1- do your bt at least 2 weeks ahead of cutoff date because it takes discover 12 days to notify you of a check return. in my case their retutned check letter was dated 10/3/22  but the info was emailed to me 10/15/22, the cutoff date for the bt was 10/10.

2- I was advised by that supervisor to always request bt checks when you want to do a bt because they cant over ride the pre populated addresses in their system. if you use a check you can address it yourself

[OmarGB9]

---

@SUPERSQUID wrote:

---

@OmarGB9 wrote:

---

@SUPERSQUID wrote:

Bad news. Discover just called me and denied to reinstate the bt. the lady said it was up to me to provide the proper info even though when i originally gave the csr the card number and amount and she asked me no other questions. there is no appeal.

this is a warning example to other folks that if they do the bt with a csr give all the info regardless of what they say.

---

Sorry for the denial. Perhaps file a complaint with the CFPB?

---

Nah its unlikely i will file a complaint, i did call them again though and got another supervisor. she said the bt offer on my first disco 12 months for zero int is good until december 20th. i am considering taking half the 2400 onto that bt and wait because that supervisor told me at some point they will send me another bt offer on card #2. i didnt want to put 2400 more on card # 1 because that one has a cl of 4500 and a current balance of 569 plus the bt fee is 5 pct, my utility would be sky high if i did that.

two good dp's that came from this,

1- do your bt at least 2 weeks ahead of cutoff date because it takes discover 12 days to notify you of a check return. in my case their retutned check letter was dated 10/3/22  but the info was emailed to me 10/15/22, the cutoff date for the bt was 10/10.

2- I was advised by that supervisor to always request bt checks when you want to do a bt because they cant over ride the pre populated addresses in their system. if you use a check you can address it yourself

---

well that would've been good info to know from the get-go. And that means it wasn't your fault like they implied earlier that you "didn't give them the correct info."