dK
danielia K

1 reviews | Active since Jun 2013

08 Mar 2021, 08:58

Discovery Bank Credit Card Closure Nightmare. :(

Hi, I have been trying to close my Discovery Credit Card for more than 2 weeks now, I have never used the card as a credit card, I have always paid R5000.00 into the account (the maximum spend was also only R5000.00) to gain discovery miles, but seems like only R50 000.00 worth of transactions will gain you any miles to make it worth it. I am being told that I owe them money to close the account, this is not possible, the first day I phoned them to close the account there was an R17 available balance in the account, I told them to keep it, and just close it, but now almost 3 weeks later the account is still not being closed. I have also been charged for being a secondary cardholder, but I'm the main account holder and only account holder of the card, on the 26th of February they charged me 3 times for being a secondary cardholder, and the biggest concern is that the statements they have on their system are different to the ones I download from the Discovery Bank internet banking. This is very frustrating. I hope this can be resolved soon. Every time I phone you need to explain yourself to someone new. It is very unprofessional, no one even gets back to you. I have been speaking to Janine Gouw, Lulu, Tissany, Thepo, and Mnima.

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Replies (5)
Discovery Bank
Discovery Bank's reply09 Mar 2021, 08:49
Official
Hi Danielia 

Thank you for bringing this to our attention. 
 
We will investigate your query, and get back to you shortly regarding your issue.

Regards
Sibongile 
dK
danielia K's update09 Mar 2021, 15:43
Reviewer Update
Hi Sibongile

This account needs to be reconciled from the very first day it was opened. I have asked several consultants to do so. I'm only getting the response that I owe money, this needs to be sorted out as soon as possible and I also need my refund for being charged for a secondary card as I mentioned in my first comment.

Janine did phone me yesterday and said that the account will be reconciled. Please do not email me the same statement over and over again, it is not the true reflection of the account, the transfer balance of the migration between FNB and Discovery in May 2020 is not correct. I also never took any cash out of this account.

I'm still waiting on concrete feedback.

Danielia
dK
danielia K's update16 Mar 2021, 19:12
Reviewer Update
Hi Discovery Bank

This is still not sorted out, received the statement send another query, no feedback. The secondary card fee that was credited does not match the total that was deducted.

I did a recon of the full spend of the card since day one vs the total payments paid into the account and the total does not come close to your findings. I have informed Janane Gouw, but she has not rep****.

The only reply I received this week was a notification that I did not give feedback, (I did) and that the case will be closed. What case? The reconciliation is still not done.

I would really appreciate your feedback.

Danielia
dK
danielia K's update27 Mar 2021, 08:57
Reviewer Update
Hi Discovery Bank

Please note that this account is still open with the incorrect available balance showing.

After your confirmation that the secondary card fee was deducted from me wrongfully and you have paid the amounts back, you once again deducted a secondary card fee from the account on 27 March 2021.

I received an email from Janine Gouw this morning, saying that you have received payment. I have not made any payments to the account, because I don't owe Discovery bank. Please update the balances if you did receive payments, or continue to recon the account, the problem is with the transfer from FNB to Discovery May 2020.

Please assist so that this can be resolved. I will not accept being charged any interest or any other fees for something that can not be resolved by Discovery Bank.


dK
danielia K's update30 Mar 2021, 08:27
Reviewer Update
I have been in contact with Janine Gouw on Saturday, I prefer to speak to her over emails, to have everything in writing, also don't appreciate the tone that I'm being addressed with. This reconciliation is still not resolved. The total spend on the account vs the total payments made to the account is far from the balance you are stating it should be, and as mentioned I'm still being charged for a secondary card that never existed after you have refunded me for the previous secondary card deductions also with confirmation that you were not supposed to deduct the fees, you still carry on doing so. This process has been going on since February 2021, and it still not resolved. I'm being told that I will pay interest and penalties on balances that are incorrectly interpreted by Discovery bank. This is unacceptable.