Bad Experience

Pathetic service I app**** for a credit Card on the 26 November 2024 and my card came on the 5th December 2024. My credit Card was never allocated the agreement fees there was no funds on the account. I kept on paying services on my account. On my application they ask you when is the correct day of payment i stated the 17 of every month. So i've stayed 2 months with no allocation from Discovery During December 2024 i allocated funds from my Private client account so that i can build more credit on my account and i even made a call to ask why funds were never allocated i was informed that i need to build my account so that i can get better credit. When i app**** for a credit i informed them that i was to build a better under my name. In January i still deposited funds into my account and i'm busy building this at the same time Discovery has not even allocated my account with the funds. On the 4th February 2025 i'm busy checking my emails that's when i received an email from my Credit score which was from Experian stating that " My account is in areas with R153.00 and a minimum of R100.00 must be paid on my account by the 17 February 2025. This brought my attention as to why am i receiving this email because for the month of January my account has been settled , remember i'm still using the account with my own fees not Discovery. I made a call to Discovery on the 5 February 2025 at 08:30 cant remember the ladies name who advised me that she will escalate my matter to Credit Side. I decided to call discovery again same day around 13:15 spoke to another lady and she transferred me to credit department and while on the phone the Credit went to my account. so i asked what was the reason for this allocation to happen now , i was informed that an investigation will be done and i will be informed as to what really happened. I was then transferred to Nhlanhla who is the team manager or Supervisor. I then explained all the issues including the credit score one as my Credit went down with 1 point due to Discovery Bank. Nhlanhla promised to come back to me with investigations the next day and he fully understood me and we were on the same page. He said i was not supposed to be charged the fees because money was never allocated to my account .Same day i got a call from a lady that assisted me in the morning i informed her that my matter is now with the Team leader/ Manager. After the call i then received a call from Nhlanhla saying he asked the credit team to provide me with the letter that states that my account is not in arrears and he will call me again the next day regarding more feedback. The next day around13:40 i still haven't received a message not even a call from the manager then i decided to call and ask to speak to him , managed to get through so i asked him what's the feedback he said he's still busy with case but a letter will be sent to me so while talking i received an email from Discovery which was not appropriate so i read the letter to him. He asked me to send an email and inform them what needs to be stated. I did exactly what he advised me to do. On the 7th i called again because now its my duty i'm doing what he said he will do around 11:39am I then spoke to Carol and i asked her to transfer me me to Credit Department she did and i spoke to Thando who gave a lot of attitude , i asked to speak to Nhlanhla she informed me that he's not available and she can assist i informed her that my matter is with him she then asked me to hold on and she's getting someone to assist me , when she came back she said Gloria is busy and so is Nhlanhla funny when i asked to speak to Nhlanhla she said she's not available. She even failed to answer all my questions. She then advised that Nhlanhla will call me i told her that i'm not going to put the phone down until he comes. Then i received a call from Nhlanhla now i was talking with a different person when you ask he back chat. I told him that 1stly i was expecting " Sorry Lerato i didn't get back to you regarding what you have asked me to do" no apology and he didn't see anything wrong with his treatment, i felt like i was a burden or should i say a problem to him like i was bothering him. What a bad experience. I'm being charged Vitality fees i've never app**** for it still he said its on the package what package cause i only app**** for a Credit Card and on the agreement contract there is no Vitality fees. When you apply all fees must be written down accordingly. I have never been treated like this in my life i was a member of Vitality and Discovery Medical aid way back and for years never had to experience this.