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No matter how wrong a merchant is, Discover will almost always side with them in a dispute, on top of this, they will nickel and dime customers, risking alienating/losing them.I ordered a pair of boots from Safety Source of New England, which were way too big for me.

I emailed the merchant, and they told me that I must have ordered the wrong size. I told them that the boots were my size (Size 12), but they were much bigger than my feet. This sorry excuse for a merchant then accused me of trying to get them to refund money for boots that I wore but didn't like. After researching these boots (Rothco 5081 Black Leather Military G.I.

Style 8" Jungle Boots), I found that every other retailer selling these boots, warn consumers to order AT LEAST two sizes smaller than your actual shoe size (As these boots run big). After communicating this to the merchant, I got no reply after several days. I then started a dispute with Discover for the charge. I provided them with the receipt details and the reason for the dispute.

I told them that I would gladly return the boots if the merchant footed the bill for the return postage. Even with all of the other merchant websites stating that the boots run larger than actual size, the emails between me and the merchant and several orders from other merchants for shoes with my correct size displayed, Discover sided with the merchant! The latest kerfuffle took the cake though. I paid my entire Discover card balance.

Overpaid by $100.00 exactly on Sat, May 19, 2017. I then transferred balances from three other cards on Thu, May 25, 2017. With the -$100.00 Balance existing SIX days before I transferred the balances (16435.89), most would figure that the ALREADY existing negative balance would be tabulated first...RIGHT??? Not according to DISCOVER!

Here is the secure message session (In corrected chronological order and my name XXXed out): Date : May 31, 2017 11:56 PM Subject : Re: Other Balance Transfer Questions 16335.89x.03 = 490.0816335.89+490.08 = 16825.97 Actual balance on my account: 16828.97. Seems to be a discrepancy somewhere. ------- Original Message -------- Date: Jun 01, 2017 12:05 AM Subject: Re: Other Balance Transfer Questions Sender: Discover Card Customer Service Hello XXX, Thank you for taking the time to contact us. I will be happy to assist you today; however, the transmission I received was incomplete and we will need more information, and I am unable to respond to your inquiry.

Please send the message again with your question or concern so I can further assist you. I appreciate your business and look forward to hearing from you. Thank you for choosing Discover. Sincerely, Jennifer We appreciate your feedback.

Please Click Here to complete a short survey on your customer service experience today. DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. ------- Original Message -------- Date : Jun 01, 2017 03:56 PM Subject : Re: Re: Other Balance Transfer Questions 16335.89 (Total amount transferred) x.03 (3%) = 490.08 (3% transfer fee) 16335.89 (Total amount transferred)+490.08 (3% transfer fee) = 16825.97(Total amount transferred) + (3% transfer fee). The actual balance on my account (Discover math): 16828.97.

There seems to be a discrepancy somewhere. ------- Original Message -------- Date: Jun 01, 2017 04:05 PM Subject: Re: Re: Other Balance Transfer Questions Sender: Discover Card Customer Service Thank you for your reply about the balance that was displayed on your Discover account. I am happy to assist you today! At the time the balance was viewed this morning, our Website was being updated; consequently the transaction information you received may have been incomplete.

When this happens, I suggest logging in to the Account Center later in the day to view the most up-to-date information on these transactions. I apologize for any inconvenience this may have caused and appreciate the opportunity to be of service today. Thank you for choosing to use Discover. Sincerely, Chelsey We appreciate your feedback.

Please Click Here to complete a short survey on your customer service experience today. DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. ------- Original Message -------- Date : Jun 02, 2017 05:30 PM Subject : Re: Re: Re: Other Balance Transfer Questions 16335.89 (Total amount transferred) x.03 (3%) = 490.08 (3% transfer fee) 16335.89 (Total amount transferred)+490.08 (3% transfer fee) = 16825.97(Total amount transferred) + (3% transfer fee). 16825.97(Total amount transferred) + (3% transfer fee) - 185.00 (Most recent payment) = 16640.97(Total amount transferred) + (3% transfer fee) + (Most recent payment) The actual balance on my account (Discover math): 16643.97.

There STILL seems to be a discrepancy somewhere. PLEASE...do the math BEFORE the recent payment. Check my calculations ------- Original Message -------- Date: Jun 02, 2017 05:35 PM Subject: Re: Re: Re: Other Balance Transfer Questions Sender: Discover Card Customer Service Hello XXX, Thank you for contacting me about your balance. I am happy to assist you today!

Your balance information and the transactions adding to it are below: -$100 opening balance as of 05/26/2017 $3,500 Citibank balance transfer 05/27/2017 $105 Citibank balance transfer fee 05/27/2017 $4,983.93 Captial One balance transfer 05/27/2017 $149.52 Capital One balance transfer fee 05/27/2017 $7,951.96 Capital One balance transfer 05/27/2017 $238.56 Capital One balance transfer fee 05/27/2017 -$185 Phone Payment 05/31/2017 After adding all the balance transfers and fees together, you get a total balance of $16,928.94. After deducting your $100 previous credit balance and your $185 payment, you are left with a current balance of $16,643.97. I appreciate the opportunity to be of service. We strive to provide the most rewarding relationship consumers and businesses have with a financial services company.

Thank you for choosing Discover since 2014! Sincerely, Saidee We appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners.

------- Original Message -------- Date : Jun 03, 2017 06:59 PM Subject : Re: Re: Re: Re: Other Balance Transfer Questions ...After deducting your $100 previous credit balance...WHY is my $100.00 credit balance figured in AFTERWARD, when it existed BEFORE the balance transfers??? Why didn't the already existing -$100.00 cancel $100.00 of the transfer balance? The credit existed BEFORE the transfer. Chicken/egg???

------- Original Message -------- Date: Jun 03, 2017 07:05 PM Subject: Re: Re: Re: Re: Other Balance Transfer Questions Sender: Discover Card Customer Service Thank you for your message. We definitely want to make sure that we are doing everything we can to fully address your inquiry. After a thorough review, I can confirm for you that the balance shown on the account is accurate as of today. We want to reassure you that if you ever see any specific transaction on your monthly statement that you do not recognize, we will be happy to investigate it for you.

If you have any other questions about your account, please let me know. Best Regards, Ashton We appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners.

------- Original Message -------- Date : Jun 03, 2017 10:21 PM Subject : Re: Re: Re: Re: Re: Other Balance Transfer Questions Accurate according to Discover. You start with a -$100.00 balance, ADD $16445.89 BEFORE subtracting the ALREADY EXISTING -$100.00 balance, charge me $3.00 for MY OWN MONEY (Which this is akin to), THEN subtract the $100.00??? That would be akin to me saying that my $185.00 payment should be subtracted BEFORE the transfer is tallied. ------- Original Message -------- Thank you for your reply.

We appreciate you getting in touch with us about your balance. I am sorry that we have not been able to answer your inquiry to your satisfaction. We are committed to providing excellent customer service for all of your questions and we encourage you to review your billing statement to let us know when you see any transactions that are not correct, or that you do not recognize. Sincerely, Ashton We appreciate your feedback.

Please Click Here to complete a short survey on your customer service experience today. DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. In the end, it was too bad, so sad, go cry to your dad. Alienating/angering/potentially losing a good customer over THREE DOLLARS!!!

If the fee were a late fee, I wouldn't be here. If the -$100.00 didn't exist WELL BEFORE the transfers, I wouldn't be here.

But because they chose to STEAL MY MONEY...no matter how little, I'm here.The attached photo shows the -$100.00.

Review about: Discover Bank Credit Card.

Reason of review: Thievery.

Monetary Loss: $36.

Preferred solution: Full refund.

I didn't like: Almost always side with merchants in disputes, Nickel and dime thievery, Insensitive-uncaring customer service.

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Anonymous
#1347644

Not nickel and dime, more like penny and nickel!Discover actually hit an acquaintance of mine with a late fee for $.08!

Eight cents???She called for her pay-off total, she paid the entire amount and left the card alone after that.

A month later, she received a statement with a summary showing her payment, an interest charge AFTER her payment and a late fee for not paying EIGHT CENTS!!!.

Discover is the evil of the banking industry in a nutshell.

Anonymous
to Anonymous #1370199

The invoice cost them more than the eight cents. What a bunch of chodes.

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