I used one of my cc's for the flyer miles and rather than pay it off, I decided to transfer it to a 0% promotion through July 2012 (it will be paid off by December).
I was VERY. CAREFUL. to use the transfer check that was designated for the 0% promotion as opposed to a 1.99% (until October 2012) promotion.
I got the first bill yesterday only to find that they put it under the 1.99% promotion. I was very polite, but firm with the rep who said "Sorry, there's nothing we can do about it--that's the check you used" and I KNOW it is NOT the check I used. He tried to convince me that the program my balance was in was a very good one, but that's NOT what I signed up for. His supervisor said that same thing (at this point I was less polite and more angry) saying they couldn't just put me in the other program despite seeing that I had been offered that program--but used the wrong check and despite my calling to TELL them I used the right check.
I told them to close the account.
I can pay off the balance, but I don't want to pay the transfer fees or the interest accrued this month. And I KNOW I used the right check--I checked it twice. >:(
What recourse do I have??? It's essentially "he said, she said". We shred our solicitations so I don't even have the original. Can I just pay the amount I transferred and call the credit agencies to say that I'm in dispute about the rest??
Please, if the only thing you can say is "if you can pay it in full then why didn't you just do that?" then you're not helping me. I could explain, but it would be a much longer post. And it's not exactly offering the information I'm asking for.