Discovery bank judge clients on algorithms not facts or real life yet profess to be a “behavioural bank”!

Good Day
I have updated my email.
I do not earn commission I earn a set salary but since covid we are paid more regularly because a lot of staff have many holes to fill. My basic is also broken up by different divisions since my promotion which is how it reflects on my payslip. I earn a 10% overriding commission on the sales of my team which makes up a very small portion of my income.
I app**** for the micro loan due to a life threatening family emergency BEFORE I app**** for the credit increase as I had to wait 3 months before I could apply with discovery so your facts are incorrect. In fact the micro loan was taken out on 01 April 2021, and my 3 month re-application period was on 06 May. I would have repaid the micro loan with part of the overdraft increase from discovery until my next salary. I pay my credit card on time, in fact I over pay it every month. I was pre-approved AFTER I took out the micro loan, so that’s Discovery’s mistake.

I have not received any detailed mail nor have I received the promised call from credit to reassess my application in light of the new information I have provided.
I wish to challenge the decision based on the fact that it was an error on YOUR part, you cannot pre approve someone when all the facts are at your disposal and then blame your turnaround on one of the facts that were there when you pre approved me in the first place.

I used to work for Discovery and I will dispute this and challenge it until you take ALL factors into account, stop treating your clients like algorithms, stop making your clients chase you for feedback and display integrity and KEEP YOUR WORD. There was no valid reason to decline my application. Unless you can tell me no one at discovery has ever had a life threatening family emergency and needed emergency funds, hence a micro loan for a small amount to be paid back in 60 days. I didn’t apply for a personal loan of 350k to be paid back over 5 years, which would certainly affect my ability to pay, but to decline over a 60 day loan for R4500.00 based on my earnings is *******. Check your facts and see when this loan was taken! A month before I app**** for a credit increase.
Kindly escalate this to a team leader, I want the matter attended to as a matter of urgency and I want the decision disputed based on the fact that your facts are incorrect! MY EARNINGS ARE NOT COMMISSION BASED, MY MONTHLY EXPENSES ARE LOW, AFFORDABILITY IS NOT AN ISSUE and you KNEW all of this when you pre-approved me. Someone dropped the ball! Kindly fix it!

Good Day
I have updated my email.
I do not earn commission I earn a set salary but since covid we are paid more regularly because a lot of staff have many holes to fill. My basic is also broken up by different divisions since my promotion which is how it reflects on my payslip. I earn a 10% overriding commission on the sales of my team which makes up a very small portion of my income.
I app**** for the micro loan due to a life threatening family emergency BEFORE I app**** for the credit increase as I had to wait 3 months before I could apply with discovery so your facts are incorrect. In fact the micro loan was taken out on 01 April 2021, and my 3 month re-application period was on 06 May. I would have repaid the micro loan with part of the overdraft increase from discovery until my next salary. I pay my credit card on time, in fact I over pay it every month. I was pre-approved AFTER I took out the micro loan, so that’s Discovery’s mistake.

I have not received any detailed mail nor have I received the promised call from credit to reassess my application in light of the new information I have provided.
I wish to challenge the decision based on the fact that it was an error on YOUR part, you cannot pre approve someone when all the facts are at your disposal and then blame your turnaround on one of the facts that were there when you pre approved me in the first place.

I used to work for Discovery and I will dispute this and challenge it until you take ALL factors into account, stop treating your clients like algorithms, stop making your clients chase you for feedback and display integrity and KEEP YOUR WORD. There was no valid reason to decline my application. Unless you can tell me no one at discovery has ever had a life threatening family emergency and needed emergency funds, hence a micro loan for a small amount to be paid back in 60 days. I didn’t apply for a personal loan of 350k to be paid back over 5 years, which would certainly affect my ability to pay, but to decline over a 60 day loan for R4500.00 based on my earnings is *******. Check your facts and see when this loan was taken! A month before I app**** for a credit increase.
Kindly escalate this to a team leader, I want the matter attended to as a matter of urgency and I want the decision disputed based on the fact that your facts are incorrect! MY EARNINGS ARE NOT COMMISSION BASED, MY MONTHLY EXPENSES ARE LOW, AFFORDABILITY IS NOT AN ISSUE and you KNEW all of this when you pre-approved me. Someone dropped the ball! Kindly fix it!

Good Day
I have updated my email.
I do not earn commission I earn a set salary but since covid we are paid more regularly because a lot of staff have many holes to fill. My basic is also broken up by different divisions since my promotion which is how it reflects on my payslip. I earn a 10% overriding commission on the sales of my team which makes up a very small portion of my income.
I app**** for the micro loan due to a life threatening family emergency BEFORE I app**** for the credit increase as I had to wait 3 months before I could apply with discovery so your facts are incorrect. In fact the micro loan was taken out on 01 April 2021, and my 3 month re-application period was on 06 May. I would have repaid the micro loan with part of the overdraft increase from discovery until my next salary. I pay my credit card on time, in fact I over pay it every month. I was pre-approved AFTER I took out the micro loan, so that’s Discovery’s mistake.

I have not received any detailed mail nor have I received the promised call from credit to reassess my application in light of the new information I have provided.
I wish to challenge the decision based on the fact that it was an error on YOUR part, you cannot pre approve someone when all the facts are at your disposal and then blame your turnaround on one of the facts that were there when you pre approved me in the first place.

I used to work for Discovery and I will dispute this and challenge it until you take ALL factors into account, stop treating your clients like algorithms, stop making your clients chase you for feedback and display integrity and KEEP YOUR WORD. There was no valid reason to decline my application. Unless you can tell me no one at discovery has ever had a life threatening family emergency and needed emergency funds, hence a micro loan for a small amount to be paid back in 60 days. I didn’t apply for a personal loan of 350k to be paid back over 5 years, which would certainly affect my ability to pay, but to decline over a 60 day loan for R4500.00 based on my earnings is *******. Check your facts and see when this loan was taken! A month before I app**** for a credit increase.
Kindly escalate this to a team leader, I want the matter attended to as a matter of urgency and I want the decision disputed based on the fact that your facts are incorrect! MY EARNINGS ARE NOT COMMISSION BASED, MY MONTHLY EXPENSES ARE LOW, AFFORDABILITY IS NOT AN ISSUE and you KNEW all of this when you pre-approved me. Someone dropped the ball! Kindly fix it!

I’ve just been reading your reviews online! For a new bank you guys have some serious issues and a lot of unhappy customers. I suggest you address these issues. Consumers in SA are sick of bad service.

I want this escalated TODAY
I WANT A CALL FROM A MANAGER TODAY
I WANT MY LIMIT INCREASED AS PROMISED TODAY or I will be calling Hylton Kallner on his personal cellphone to discuss the matter directly with him. Yes I do have it, I used to work for Discovery And am still very well connected within the group. Kindly fix your mistake and send me the new contract to sign TODAY!