Unfairly treated

Formal Complaint Regarding Unfair Account Closure and Legal Threats

I am writing to formally raise a complaint regarding the handling of my credit card account by Discovery Bank.

It has come to my attention that my account was closed after a period of only two months of not topping it up. I find this action both unreasonable and unfair, as I did not abandon my account nor communicate any intention to do so. At no point was I properly engaged or given a fair opportunity to rectify the situation before such a drastic decision was made.

What is even more concerning is that I am now being threatened with legal action over an amount of approximately R200. This approach feels excessive, especially considering the relatively small balance and the lack of proper communication or attempts to resolve the matter amicably.

I would like to emphasize that I remain willing to settle any outstanding amount. However, I strongly object to the manner in which this situation has been handled, particularly the immediate escalation to legal threats instead of customer-focused resolution.

I request the following:

- A clear explanation for the closure of my account without adequate notice or engagement. - Immediate suspension of any legal threats or actions while this matter is being reviewed. - A fair opportunity to settle the outstanding balance without ************ or undue pressure.

I expect a prompt response and a resolution that reflects fairness, professionalism, and respect for customers.

Yours sincerely, P Mashamaite