Heya, im encountering this problem.
well the fact is i have transferred to silver before from gold and vise versa, this has never happened to me before.
i dont know if what i think is correct, but before if i had any blue or red accounts (before gold or silver existed) then i have to merge.
But i never had any blue or red accounts to begin with.
i never had this problem before for transferring, i saw this today