********** BANK AND SHOCKING SERVICE BY DISCOVERY

Discovery Card and FNB have ****** my daughters money. Sad story is as follow: my daughter`s Discovery Card was debited with R500.00 for 45 x times in a matter of days and when she queries this she is told the transactions are legit by Discovery ????????????????? how is this possible??????? I am acting on behalf of my daughter who is in Dubai and helpless. See all communications below between my daughter, Discovery and myself and no joy to date. Please note this query was lodged with Discovery in July 2019 and now we in September……..how Horrific is this for such a big company.

PLEASE HELP EXPOSE THIS COMPANY BEFORE IT ROBES MORE PEOPLE.

From: Info Kendis Demolishers <***>

Sent: Saturday, 24 August 2019 8:07 PM To: 'Sarisha Naidoo' <***>; 'Carolyn Manyape' <***> Subject: RE: -WRefNo#***#- -MailRef#***#-

Hi Sarisha, Kindly provide me with feedback as promised. Regards,

Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break”

From: Sarisha Naidoo <***> Sent: Friday, 23 August 2019 2:49 PM To: Carolyn Manyape <***>; Info Kendis Demolishers <***> Subject: RE: -WRefNo#***#- -MailRef#***#-

Hi Carolyn and Christine, Discovery Card has provided a response to all you queries, please feel free to mail back on any of your concerns and cc myself so that I may escalate on your behalf. Warm Regards, Sarisha

From: Carolyn Manyape <***> Sent: Friday, August 23, 2019 12:50 PM To: Info Kendis Demolishers <***>; Sarisha Naidoo <***> Subject: Re: -WRefNo#***#- -MailRef#***#-

Hi Sarisha Thank you for helping. Sorry I was not on my phone when you called. Discovery has not been able to help me for over 2 months now that's why my mom was there. I am available on my number now. Sorry I was not well so I was sleeping. My number is +***. Regards Carolyn

On Friday, August 23, 2019, 2:31:56 PM GMT+4, Sarisha Naidoo <***> wrote:

Hi Christine, Thank you for your visit and patience at the Discovery Bank today. I apologise for the long wait you have endured, however you do have my assurance that I will escalate this matter to the service manager for Discovery Card and feedback will be provided. Warm Regards, Sarisha Naidoo From: Info Kendis Demolishers <***> Sent: Friday, August 23, 2019 12:23 PM To: Sarisha Naidoo <***> Cc: 'Carolyn Manyape' <***> Subject: FW: -WRefNo#***#- -MailRef#***#- Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break” From: Carolyn Carter <***> Sent: Wednesday, 14 August 2019 2:32 PM To: *** Cc: Kendisdemolishers Co Info <***> Subject: Re: -WRefNo#***#- -MailRef#***#- Hi Kaylin When is the relevant department going to sort this out? They have been “sorting”it out for 2 months. Regards Carolyn On Aug 14, 2019, at 4:03 PM, *** wrote: Dear Miss Manyapye Thank you for contacting us. Please be advised that we have asked the relevant department to provide you with a response regarding your query. If you need any more information, please contact Discovery Card on ***or visit www.discovery.co.za. Regards Kaylin Frazenburg Discovery Card ________________________________________ Re: -WRefNo#***#- -MailRef#***#- ________________________________________ • To: ***, Kendisdemolishers Co Info ***> • Subject: Re: -WRefNo#***#- -MailRef#***#- • From: Carolyn Carter <***> • Date: Mon, 12 Aug 2019 13:42:37 • In-reply-to: <***>____________________________ Good day Please can you advise how far with the disputes? I raised these almost 2 months ago . Reference number is *** Regards Carolyn On Aug 12, 2019, at 1:23 PM, Carolyn Carter ***> wrote: Good day Any feedback please? On Aug 12, 2019, at 1:22 PM, Carolyn Carter ***> wrote: From: *** Subject: Re: -WRefNo#***#- -MailRef#***#- Date: August 1, 2019 at 7:03:32 PM GMT+4 To: *** Dear Miss Manyapye Thank you for contacting us. Dispute We have escalated your dispute query to our disputes department. Reference for inquiry: ***. One of our consultants will contact you by email or phone once your query has been addressed. If you need any more information, please contact Discovery Card on ***or visit www.discovery.co.za Regards Nontobeko Gebenga Discovery Card ________________________________________ Re: -WRefNo#***#- -MailRef#***#- ________________________________________ • To: *** • Subject: Re: -WRefNo#***#- -MailRef#***#- • From: Carolyn Carter <***> • Date: Thu, 1 Aug 2019 12:52:48 +0200 (CAT) Good day Any feedback on my disputes please? Regards Carolyn On Jul 23, 2019, at 9:53 AM, *** wrote: Dear Miss Manyapye Thank you for contacting us. We are still waiting for feedback regarding your dispute. Once we have feedback we will contact you to inform. We do apologise for any inconvenience caused in this regard. If you need any more information, please contact Discovery Card on ***or visit www.discovery.co.za. Regards Vikizitha Mazibuko Discovery Card ________________________________________ Re: -WRefNo#***#- -MailRef#***#- ________________________________________ • To: *** • Subject: Re: -WRefNo#***#- -MailRef#***#- • From: Carolyn Carter <***> • Date: Mon, 22 Jul 2019 11:45:35 +0200 (CAT)

• References: <***> • Resent-from: <***> ________________________________________ Good day Any feedback please on the disputed transactions on my card? Kind Regards Carolyn On Jun 26, 2019, at 12:52 PM, *** wrote: Dear Miss Manyapye Transaction queries on your Discovery Card Thank you for your request to have certain transactions investigated on your Discovery Card. WeÃve sent your request to the relevant department for investigation. The merchant has to submit details of the transactions under dispute, which can take up to 30 days. We will contact you with feedback. If you need any more information, please contact Discovery Card on ***or visitwww.discovery.co.za Regards Discovery Card Disclaimer: DiscoveryCard is operated by Discovery Vitality (Pty) Ltd, registration number: ***, an authorised financial services provider under the banking licence of FirstRand Bank Limited, registration number ***, an authorised financial services and registered credit provider, NCA Reg No. NCRP20. Terms and conditions apply. . Disclaimer: DiscoveryCard is operated by Discovery Vitality (Pty) Ltd, registration number: ***, an authorised financial services provider under the banking licence of FirstRand Bank Limited, registration number ***, an authorised financial services and registered credit provider, NCA Reg No. NCRP20. Terms and conditions apply. . Disclaimer: DiscoveryCard is operated by Discovery Vitality (Pty) Ltd, registration number: ***, an authorised financial services provider under the banking licence of FirstRand Bank Limited, registration number ***, an authorised financial services and registered credit provider, NCA Reg No. NCRP20. Terms and conditions apply. . Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break”

From: Info Kendis Demolishers <***> Sent: Friday, 06 September 2019 12:30 PM To: 'Carolyn Manyape' <***>; 'Cody Jansen' <***> Subject: RE: -WRefNo#***#- -MailRef#***#

Good day Cody,

Any feedback or have you just dumped or forgotten about me and my daughter?

Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break”

From: Info Kendis Demolishers <***> Sent: Monday, 02 September 2019 3:07 PM To: 'Carolyn Manyape' <***>; 'Cody Jansen' <***> Subject: RE: -WRefNo#***#- -MailRef#***#

Hi Cody,

Please look at the response from Carolyn below, 45 transactions within a few days? And also my concerns in red below!

Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break”

From: Carolyn Manyape <***> Sent: Friday, 30 August 2019 6:29 PM To: 'Info Kendis Demolishers' <***>; Cody Jansen <***> Subject: Re: -WRefNo#***#- -MailRef#***# I counted the transactions.... 45 transactions within a few days. That's supposed to be my problem. Discovery is the worst bank ever and I did not open an account with fnb. I opened it with discovery. Really terrible service. Kind Regards, Carolyn Manyape

On Friday, August 30, 2019, 4:27:16 PM GMT+4, Cody Jansen <***> wrote: Hi Christine Please note that this matter is extremely sensitive and I am doing my best to assist you. I am challenging FNB on their terms and conditions and the outcome of their decision. According to their Terms and Conditions, subscription services are deemed as valid transactions and do not get disputed through our ***** process. This is based on the fact that card details were given to the merchant and the merchants terms and conditions were accepted. This results in a legal agreement between your daughter and the merchant and therefore transactions arising from the agreement does not constitute *****. Really Cody, 45 transactions in a few days???????????? Regardless if notifications were not received or systems did not prevent the transactions, it is still the primary responsibility of our clients to ensure that their details are kept safe and should an agreement be entered between yourself and the merchant, any dispute arising from the agreement, is resolved directly with the merchant. As early detection services are value added services offered to our clients. Due to the above, there has been a lot of back and forth between ourselves and FNB as we are genuinely trying our best to assist you however, this matter will not be resolved overnight. Understandable however this matter has to be resolved by DISCOVERY. My daughter has absolutely nothing to do with FNB and no dealings with them. I am still happy to grant you more time Cody before I go over your head. I have assured you that I will do everything possible in my power to assist you however, THANK YOU. I do need you to please be patient and bear with me whilst I get this resolved. Alternatively, you can refer the matter to the Banking Ombud. Kind regards From: Info Kendis Demolishers [mailto:***] Sent: 30 August 2019 01:56 PM To: Cody Jansen <***> Cc: *** Subject: RE: -WRefNo#***#- -MailRef#***# Good day Cody, My response from you is due today as per our agreement???????????????? I have allowed you the 3days as requested?????????????????? You have a few hours left before close of business today to give me your response. Christine Dzivhani Executive Member Kendis Demolishers *** / *** www.kendisdemolishers.co.za “U build we break” From: Cody Jansen <***> Sent: Tuesday, 27 August 2019 10:42 AM To: '***' <***> Cc: '***' <***> Subject: FW: -WRefNo#***#- -MailRef#***# Hi Christine Thank you for your time during our earlier telephonic conversation. As discussed, I am a Relationship Manager within the Discovery Card and Bank space. My office is the highest point of escalation and I will be taking over the case from my side. I will challenge the decision not to reverse the funds and will be sure to keep you in the loop as the query progresses. Cody Jansen Discovery Card Executive Office Discovery 1 Discovery Place, Sandton | PO Box 786722, Sandton, 2146 Email: *** | Website: www.discovery.co.za Find out more about other Discovery products