Poor and *********** Service Received

"Without Prejudice"

Good Day Discovery Bank,

Once again, I need to lay a formal complaint in regard to my application for a Discovery Credit Card. I did forward you guys an email on the 06 September 2023 to email address: ***. But till to date I have not received any reply back in regard to my complaint.

So, thus the reason I post this complaint on Hello Peter.com, once again.

"Good Day,

I would like to file a formal complaint.

I have been struggling since July 2023 to apply for a credit card with the Discovery Card Division. Each and everytime my credit application has been declined. On each and every credit application I challenge the credit decision. Sending bank statements on the app, as per your request as the app is doing all the decision work in regard to the application, as per the consultants that phone me.

The last time, yesterday, I was contacted again as I challenged the outcome, and I was phoned and informed the only reason I am being declined is due to the fact that it is an old application I am challenging. I directly ask the consultant, so if the old application is removed and I am doing a new application, will it be approved, reply yes Sir as the only reason that you are declined is that it was an old application.

So, I did the new application again, choose my account, put in my income, please take note: I am also receiving an additional income as well.

Declined.

So, I challenge it once again, submit my bank statement, personal account as well as my account where my additional income is paid into as well. So now I want to see what is going on now. As for my total income - my expenses are way more than the preferred income. As per the decline letter you are eagerly forwarding me.

I was planning to move my personal account to Discovery as well as to open a business account with you, but if this is the kind of service one received, then I am sorry. I am sick and tired of poor and bad service.

Discovery Card advertised eagerly on social media that it gave the best service out there but till to date I only receive bad and poor service from Discovery."

So, I challenged the outcome again on the 06 September 2023. I received the following outcome:

Application Declined due to Affordability. Which is untrue. There are two micro-loans that has been paid in full, but not removed as yet from my credit profile.

My total income is R 86,423, this includes my salary as well as my secondary income. The following is also factually incorrect, once again:

Insurance and retirement: R6,515.00 (Where did you get this amount) must be R600.00.

Communication: R 4,343.00 (Where did you get this amount) This is a prepaid telephone which I use max R600.00 a month

Transport: R4,343.00 (Where did you get this amount) My work pays my fuel expenses. I do not pay any transportation fees.

Term lending Repayments: R29,475.00. This is Factually Incorrect. It must be R16,342.00

So, what is the real reason that Discovery do not want to assist me, or is it the person behind the system that add the wrong information into the system? This is not a system fault as the system cannot do this by its own, but a human/consultant must input the information into the system.

So, please get someone that is capable of doing their work and to recapture the application again. I am just wondering, am I the only one that struggle so much with Discovery?