Complaint reference number: ***8

To Whom It May Concern,

I am writing to formally address my complaint lodged against Discovery Bank on May 16th concerning a rejected payment and the distressing experience I have encountered since then. Despite my prompt filing, I have yet to receive any acknowledgment or communication regarding my complaint, which I find utterly unacceptable.

On May 3rd, I made a successful purchase at my local Spar Savemor store totaling R1,173.26. The transaction appeared to be processed correctly, with the amount debited from my account, indicating that funds were no longer available for me to use.

However, on May 16th, I discovered that my commission payment was significantly short and realized with great frustration that the full amount had been debited by Spar Savemor, transaction details show the transaction was performed on the 3rd however posting date was on the 14th.

This simply means there was a problem with payment… either Discovery Bank failed to process within SLA or Spar Savemor failed to accet the payment within SLA, which has absolutely nothing to do with me as I don’t own a system.

This situation has caused severe inconveniences, affecting my ability to meet my financial obligations, including direct debits and rent payments, which could inadvertently impact my credit score. Moreover almost cost me my relationship with my 3 year old son; to which of course I need to maintain without fail due to personal reasons.

It is vital to emphasize that this issue stems either from Discovery Bank or Spar Savemor, neither of which I have any control over. The operational breakdown between the two organizations should not result in financial detriment to me as the customer.

I seek immediate resolution and am requesting the following:

1. A full refund of R1,173.26 from Discovery Bank.

2. Compensation for the distress and inconvenience caused, considering the misinformation offered by your advisors and the excessive time I have wasted in follow-ups regarding this complaint. I have not ever in my life been provided with such ********** customer service. Utterly disgusting. A complete Shamble.

3. A written confirmation of your investigation and findings, detailing that the fault lies with Spar Savemor, along with all evidence supporting your conclusions.

4. If you lack the authority to resolve this matter promptly, please escalate my complaint to your superiors and provide a deadlock letter outlining your final position, as I may consider escalating my complaint to the Ombudsman, among other avenues if I am not satisfied with the resolution.

Your immediate attention to this matter is crucial. A swift response will confirm that Discovery Bank acknowledges the urgency of this issue and is committed to rectifying the circumstances in a timely manner.

Thank you for your understanding and prompt action.

Kind Regards,

A Dissatisfied Customer.