MR
Monica R

1 reviews | Active since Mar 2024

16 May 2025, 19:05

Unresolved Credit Score Issue and Unauthorized Credit Enquiry

I am writing to express my deep dissatisfaction with the service I have received from Discovery Bank. On 5 May, I contacted the bank regarding my credit score, which has not improved despite responsibly adding a new Discovery Bank credit card to my profile. I thought adding a credit card would improve my credit score, but it has proven to be completely useless in this case.

This is especially concerning as a friend who app**** for a similar facility at the same time has already seen a positive improvement in her score.

Following a discussion with one of your consultants, I was advised to escalate the matter for further investigation. However, to date, I have not received any feedback or resolution. Instead, I discovered that another credit enquiry has been added to my profile without my authorisation, further negatively impacting my credit score.

I have made multiple follow-up calls seeking assistance, but unfortunately, no meaningful support or explanation has been provided. This level of service is unacceptable and raises serious concerns about the bank’s commitment to its customers.

I urge Discovery Bank to address this matter promptly and provide a clear explanation for the unauthorised credit enquiry and the lack of improvement in my credit score.

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Replies (2)
MR
Monica R's update16 May 2025, 19:55
Reviewer Update
Dear Nkhensani,

Thank you for your response.

I understand the importance of reaching out to the credit bureaus to investigate potential issues with my credit report. However, I would like to highlight a few concerns that remain unaddressed from Discovery Bank’s side.

If the issue lies solely with the credit bureaus, then I am struggling to understand why Discovery Bank proceeded to draw a second credit report under my name without my consent. This action has raised serious concerns for me, especially as I have not received any feedback or follow-up regarding my initial query, despite several attempts to engage with your team.

Furthermore, the credit account I opened with Discovery Bank has had no positive impact on my credit score whatsoever—contrary to what one would reasonably expect from responsibly managing a new credit facility. I am beginning to feel that the benefits of this credit product are questionable, particularly given the lack of transparency and support I have encountered throughout this process.

I kindly request urgent clarification regarding the additional credit enquiry on my profile, and a formal response addressing my initial concern.

Kind regards,

Monica


MR
Monica R's update21 May 2025, 12:35
Reviewer Update
Noted, thank you.

Regards,
Monica