1 reviews | Active since Nov 2018
Unused Discovery Bank Credit Catd Damaging My Credit Score
I'm writing another review in hopes that someone/anyone from Discovery Bank would be able to help me.
I am extremely disappointed with Discovery Bank. This is now my second attempt at raising this issue and my previous review was completely unsuccessful.
I have a credit card account with Discovery Bank that I have NEVER used, yet it has now negatively affected my credit score. I have not made a single transaction, yet my credit score is suffering due to this account. How is that justifiable?? I have asked to have this account closed since January 2025, but somehow I have not been able to!!!
To make matters worse, I now have to pay nearly R500 for a service I have never benefitted from. How is it acceptable to have to pay for absolutely nothing???
This situation is both unfair and financially damaging and I feel like once the account was opened they do not care at all. As long as they can keep charging fees to the account, they are making money.
I expected better from Discovery Bank, especially given how they position themselves as a customer-focused financial institution.
I am requesting that this matter be looked into immediately and resolved, including removing the negative impact on my credit report and reversing unjustified charges. Please treat this complaint with the urgency and respect it deserves.
Thanks for reaching out to us.
I had previously communicated with you regarding how the closure of your account will be conducted as per the below message:
"userNosisaNikelo28 Mar '25, 15:43
Hi Karen,
Please receive this as confirmation of receipt and acknowledgement of your query.
I have reached out to the relevant department and have been advised that your settlement balance is R482.46, payable into your 11-digit credit card account number by today in order to not accumulate more interest.
Please let us know once the payment is made so we can initiate closure.
Kind regards,
Nosisa"
Our records show that you did not make the settlement, and consequently, your account remained open.
I will request a new settlement letter for you and advise accordingly.
Kind regards,
Nosisa
Thanks for reaching out to us.
I had previously communicated with you regarding how the closure of your account will be conducted as per the below message:
"userNosisaNikelo28 Mar '25, 15:43
Hi Karen,
Please receive this as confirmation of receipt and acknowledgement of your query.
I have reached out to the relevant department and have been advised that your settlement balance is R482.46, payable into your 11-digit credit card account number by today in order to not accumulate more interest.
Please let us know once the payment is made so we can initiate closure.
Kind regards,
Nosisa"
Our records show that you did not make the settlement, and consequently, your account remained open.
I will request a new settlement letter for you and advise accordingly.
Kind regards,
Nosisa
Please be advised that your new settlement balance is R661.34, payable into your credit card account by the 2nd of May 2025.
Your reference number for account closure is ***9, and the account will be closed as soon as settlement is received. Our team has also emailed you the settlement balance for reference.
Please do let me know if you have any more questions.
Kind regards,
Nosisa
Please be advised that your new settlement balance is R661.34, payable into your credit card account by the 2nd of May 2025.
Your reference number for account closure is ***9, and the account will be closed as soon as settlement is received. Our team has also emailed you the settlement balance for reference.
Please do let me know if you have any more questions.
Kind regards,
Nosisa
As I have explained over and over and over again. I do not have an account number. I never received my card to begin with as I moved cities and advised the financial advisor that set up my account. The app was way to complicated and I had issues logging in every time. I have since deleted the app.
Since the beginning of all this, I just wanted a settlement letter with the details on so that I can pay... and now after almost 4 months of struggling, I must pay over R600 for nothing.
I really think this is unfair. I do not have the money to pay that sum right now.
As I have explained over and over and over again. I do not have an account number. I never received my card to begin with as I moved cities and advised the financial advisor that set up my account. The app was way to complicated and I had issues logging in every time. I have since deleted the app.
Since the beginning of all this, I just wanted a settlement letter with the details on so that I can pay... and now after almost 4 months of struggling, I must pay over R600 for nothing.
I really think this is unfair. I do not have the money to pay that sum right now.
Kindly note that failure to settle the account on the settlement date provided will trigger the account not to close, and your account will remain open.
Kind regards,
Nosisa
Kindly note that failure to settle the account on the settlement date provided will trigger the account not to close, and your account will remain open.
Kind regards,
Nosisa