DISCOVERY BANK - STILL WAITING FOR THIS TO BE RESOLVED, SINCE I PHONED ON 18TH NOVEMBER, 9TH DECEMBER, 14TH DECEMBER, 17TH DECEMBER AND THIS IS NOW MY 2ND HELLO-PETER REVIEW ON THE SAME QUERIES & STILL NOT A RESOLUTION.

WELL DONE DISCOVERY BANK - FOR HIRING ALL THE STUPID PEOPLE!!!

…SUCH A GREAT IDEA, SO THAT ANYONE WHO PHONES IN WITH ANY COMPLAINTS, NO ONE WHO YOU SPEAK TO, WHICH INCLUDES CUSTOMER SERVICE PERSONAL, ESCALATION DEPARTMENT, MANAGER, AND "THE SUPPOSED KNOW IT ALL - PRODUCT DEPARTMENT" UNDERSTANDS A SIMPLE EXCESS FEE QUERY, WHICH MEANS THAT NOTHING GETS RESOLVED, BECAUSE AFTER FOUR PHONE-CALLS, SPENDING ALMOST 2 HOURS HOLDING ON THE PHONE, AND BEING PROMISED A PHONE-CALL BY THE END OF THE DAY, WHO IN THEIR RIGHT-MIND WOULD EVER CARE IF THERE ISSUE IS EVER RESOLVED?

I AM SURE MOST PEOPLE WOULD GET FRUSTRATED AND GIVE-UP, SUCH A GREAT BUSINESS STRATEGY, WAY TO ON BUILDING CUSTOMER TRUST, ESPECIALLY WHEN THERE ARE NO BANKING BRANCHES TO GO TO, TO SPEAK TO SOMEONE REASONABLE ABOUT THE ISSUES, BECAUSE THEN YOU WOULD BE ABLE TO DISCUSS WHY I SHOULD NOT HAVE BEEN CHARGED AND TO RECEIVE A CREDIT BEFORE WALKING OUT THE BANK.

I WISH THAT I ONLY HAD ONE QUERY, HOWEVER THEY ARE MANY, WHICH MEANS THAT WHAT ARE MY CHANCES OF RESOLVING THEM?

HERE ARE SOME OF MY ISSUES: 1) *** (PHONED: 18TH NOVEMBER 2020 / 9TH DECEMBER 2020 / 14TH DECEMBER 2020) 13 NOVEMBER – ECCESS INTEREST CHARGED R 0.01 IF MY ACCOUNT CLOSING ON 13 OCTOBER WAS NOT OVER LIMIT WHEN IT CLOSED AND IF THE EXCESS-INTEREST IS CHARGED IN THE FOLLOWING MONTH AS YOU HAVE SUGGESTED, THEN WHY DID YOU CHARGE ME AN EXCESS-INTEREST FEE IN THE NOVEMBER ACCOUNT?

HOW CAN YOU CHARGE AN EXCESS FEE IF I WAS NOT OVER MY CREDIT LIMIT ???

2) *** R 165.96 INTEREST - CHARGED ON 13 DECEMBER. (PHONED: 14TH DECEMBER 2020)

FIRSTLY, HOW CAN YOU CHARGE ME INTEREST, WHEN I PAID OFF MY ACCOUNT, IN FULL ON THE 9TH DECEMBER, WHICH IS BEFORE THE ACCOUNTS CLOSED ON THE 13TH DECEMBER. DO YOU NOT KNOW THE TERMS AND CONDITIONS OF YOUR OWN CREDIT CARD THAT IS ON YOUR OWN WEBSITE THAT STATES THAT IF THE FULL AMOUNT IS PAID, BEFORE THE ACCOUNT CLOSES THAT INTEREST WOULD NOT BE CHARGED.

(REFER TO PAGE 13 AND PARAGRAPH 37 OF TERMS AND CONDITIONS ON WEBSITE)

R 17.50 CREDIT SERVICE FEE - CHARGED ON 13 DECEMBER. ALSO IN THE TERMS AND CONDITIONS IT SAYS THAT IF YOU PAY OFF THE CREDIT CARD BUT WISH TO KEEP THE ACCOUNT OPEN AND ACTIVE, THAT I WOULD BE CHARGED THE MONTHLY ACCOUNT FEE ONLY, NOT THE CREDIT SERVICE FEE TOO? (REFER TO PAGE 7 AND PARAGRAPH 60 OF TERMS AND CONDITIONS ON WEBSITE)

… AND TO MAKE THE MATTER WORSE, I HAVE STILL GOT TO GET A CREDIT FOR THIS BECAUSE WHEN I SPOKE TO A MANAGER, NAMED LULU, SHE DIDN'T SEE AN ISSUE WITH ANY OF THESE CHARGES ???? HOW CAN YOU BE A MANAGER, IF YOU DON'T HAVE A FINANCIAL QUALIFICATION, OR AT LEAST KNOW YOUR OWN TERMS AND CONDITIONS ????

3) *** R 84.50 - 12 JUNE - BRANCH FEE. (PHONED: 17TH DECEMBER 2020)

IN-CORRECTLY CHARGED, IT SHOULD HAVE BEEN AN FNB ATM WITH-DRAWL FEE, FOR R 50.00 WITH-DRAWL. I NEVER GO INTO A BRANCH TO WITHDRAW MONEY AND IT WAS DURING LOCK-DOWN WHEN THE BRANCHES WERE CLOSED?