Discovery bank dishonesty and incompetence

Discovery bank and the whole Discovery group are *********** ***** who make promises but don't deliver on them. Worse still, they edit my bank transaction history to tell me the problem has been corrected but it has not. On the 7th of June, I activated my Apple Watch benefit and paid the R999 on my discovery card. On the 7th of September I was once again billed R999 for another Apple Watch benefit. After speaking to multiple consultants and emailing all and sundry, the erroneous R999 was credited back to my credit card account without any apology or admission that they were in the wrong - an error that if not spotted would have cost me a grand! Reference number ***

This made me keep a more regular eye on my bank account - especially after activating any future benefits. On 26 August, I paid for and activated my shoes booster. I then bought a pair of shoes from Sportsman's warehouse because Vitality Active had a promotional special saying that they're paying double cashbacks until the end of the month in an effort to get South Africa moving again. The initial cashback was paid to me on 25 September at the end of that particular billing cycle, but only a single portion was paid, not the double cashback as indicated on all marketing materials. I phoned to query this several times and was bounced around from department to department and then was disconnected without reason (read hung up on) - at least 10 times. After not finding success on the phone, I started emailing the company also. -WRefNo#***#- -MailRef#***#- 1 October -WRefNo#***#- -MailRef#***#- 5 October -WRefNo#***#- -MailRef#***#- 21 October -WRefNo#***#- -MailRef#***#- 3 November -WRefNo#***#- -MailRef#***#- 10 November Reference kept being made to two payments – one on 25 September and the second on 1 October. The 1 October amount was not yet paid and I was given a range of excuses like it’s being processed, it’s been allocated but not yet released, etc. I checked my account every couple of days to see what was happening. On 10 November I noticed that my bank transaction history had been edited. They had put a line item saying that my account had been credited with the outstanding 3000 discovery miles. This was in no was true. My balance at the time was only a few hundred miles.

I had taken a screen shot of the period end September to early October to prove to the agent I was in email contact with that no payment had been made and 1 week later, I took a screen shot where the bank tried to sneak it into my account so they could say it was resolved. Whilst a new line item was in the transaction history, the balance of the account did not update at all.

I’ve received two recent emails and one phone call from Discovery to say that they are still working through the problems but nobody is explaining how this ******* practice of editing bank records is allowed to happen.

I have spent hours and hundreds of Rands on the phone being bounced around from one department to another. Each subdivision blames a different one - that's money rewards, this is vitality active rewards, shoe booster benefits department, etc. Stay away from Discovery if you can. They are the worst bank I’ve ever dealt with.