IM
Itumeleng M
1 reviews | Active since Mar 2014
14 Jun 2023, 10:48
Urgent Update Required - Transaction Dispute Case #[***4]
I am writing to express my deep concern and frustration regarding the status of my transaction dispute case, #[***4].
During my recent call to Discovery Bank, I was informed that the team assigned to handle my case has not yet received the documents I sent. To my surprise, I had submitted all the required documentation on Wednesday, May 31, 2023, at 12:05. The lack of acknowledgment regarding the receipt of my documents raises doubts about the efficiency and promptness with which my case is being handled, especially considering the 90-day investigation period you have allocated. This situation is causing me significant unease, as it directly impacts the security of my funds.
Furthermore, I must express my dissatisfaction with the overall service I have experienced with Discovery Limited over the past few weeks. The MedExpress department, in particular, has proven to be highly ***********. Despite my urgent need for medication, it has been more than a week and I'm going through withdrawals. What adds to my frustration is the continuous stream of excuses I receive instead of a resolution.
Given these circumstances, I am compelled to question the reliability and effectiveness of Discovery Limited as a whole. As a loyal customer, I had always held Discovery Bank in high regard. However, the recent series of disappointments has left me disillusioned and concerned about the safety of my financial matters.
I kindly request an urgent update on the progress of my transaction dispute case #[***4] and a clear plan of action to rectify the delay in processing.
Helpful (0)
Replies (5)0
Replies (5)
Discovery Bank's replyOfficial
14 Jun 2023, 20:30Good day Itumeleng
Thank you for reaching out.
I'm so sorry to hear about your experience but I'd be happy to assist.
I have reached out to the relevant team regarding your case requesting for urgent feedback.
Once received, I will be in touch.
Kind regards
Nicolene
Thank you for reaching out.
I'm so sorry to hear about your experience but I'd be happy to assist.
I have reached out to the relevant team regarding your case requesting for urgent feedback.
Once received, I will be in touch.
Kind regards
Nicolene
Discovery Bank's reply14 Jun 2023, 20:30
Official
Good day Itumeleng
Thank you for reaching out.
I'm so sorry to hear about your experience but I'd be happy to assist.
I have reached out to the relevant team regarding your case requesting for urgent feedback.
Once received, I will be in touch.
Kind regards
Nicolene
Thank you for reaching out.
I'm so sorry to hear about your experience but I'd be happy to assist.
I have reached out to the relevant team regarding your case requesting for urgent feedback.
Once received, I will be in touch.
Kind regards
Nicolene
IM
Itumeleng M's updateReviewer Update
21 Jun 2023, 13:05Hi Nicolene, thank you for lying to me.
IM
Itumeleng M's update21 Jun 2023, 13:05
Reviewer Update
Hi Nicolene, thank you for lying to me.
Discovery Bank's replyOfficial
29 Jun 2023, 21:14Good day Itumeleng
Please note I tried contacting you today but the line went to voice mail.
Your case has been pended as the team is waiting for a response on the dispute.
Kind regards
Nicolene
Please note I tried contacting you today but the line went to voice mail.
Your case has been pended as the team is waiting for a response on the dispute.
Kind regards
Nicolene
Discovery Bank's reply29 Jun 2023, 21:14
Official
Good day Itumeleng
Please note I tried contacting you today but the line went to voice mail.
Your case has been pended as the team is waiting for a response on the dispute.
Kind regards
Nicolene
Please note I tried contacting you today but the line went to voice mail.
Your case has been pended as the team is waiting for a response on the dispute.
Kind regards
Nicolene
IM
Itumeleng M's updateReviewer Update
24 Jul 2023, 19:15To Whom It May Concern,
It has been an astonishing 51 days since you received my essential documents, and to make matters worse, 14 days have passed since Vuyelwa Jola was informed by a Discovery Banks contact centre agent to get in touch with me due to the lack of a direct line.
Instead of promptly resolving the transaction issue, you chose to reverse it and, to add insult to injury, started charging me interest. Meanwhile, Amazon is happily earning interest on my hard-earned money, while you eagerly pile on the interest charges for the reversal.
Do you even care about your customers' concerns? I wasted no time in reporting this egregious mishandling of my case to the Ombudsman for Banking Services. However, given the lacklustre service I have experienced so far, I doubt any action will be taken.
I've had enough of your incompetence and blatant disregard for your customers. Should both Discovery Bank and the Ombudsman choose to side with Amazon Inc. and dismiss my legitimate dispute, I assure you I will take this battle to small claims court with ample evidence to support my case before a judge.
Let me make it perfectly clear: my confidence in your ability to do anything right has completely evaporated. If and when this issue is resolved (though I'm not holding my breath), consider it the last time you'll ever see my business. I'm severing all ties with Discovery Limited, and I'll make sure everyone knows about the pathetic service I've received.
Save your insincere acknowledgments; they hold no value for me.
Disgustedly,Itumeleng Mkhwa****
It has been an astonishing 51 days since you received my essential documents, and to make matters worse, 14 days have passed since Vuyelwa Jola was informed by a Discovery Banks contact centre agent to get in touch with me due to the lack of a direct line.
Instead of promptly resolving the transaction issue, you chose to reverse it and, to add insult to injury, started charging me interest. Meanwhile, Amazon is happily earning interest on my hard-earned money, while you eagerly pile on the interest charges for the reversal.
Do you even care about your customers' concerns? I wasted no time in reporting this egregious mishandling of my case to the Ombudsman for Banking Services. However, given the lacklustre service I have experienced so far, I doubt any action will be taken.
I've had enough of your incompetence and blatant disregard for your customers. Should both Discovery Bank and the Ombudsman choose to side with Amazon Inc. and dismiss my legitimate dispute, I assure you I will take this battle to small claims court with ample evidence to support my case before a judge.
Let me make it perfectly clear: my confidence in your ability to do anything right has completely evaporated. If and when this issue is resolved (though I'm not holding my breath), consider it the last time you'll ever see my business. I'm severing all ties with Discovery Limited, and I'll make sure everyone knows about the pathetic service I've received.
Save your insincere acknowledgments; they hold no value for me.
Disgustedly,Itumeleng Mkhwa****
IM
Itumeleng M's update24 Jul 2023, 19:15
Reviewer Update
To Whom It May Concern,
It has been an astonishing 51 days since you received my essential documents, and to make matters worse, 14 days have passed since Vuyelwa Jola was informed by a Discovery Banks contact centre agent to get in touch with me due to the lack of a direct line.
Instead of promptly resolving the transaction issue, you chose to reverse it and, to add insult to injury, started charging me interest. Meanwhile, Amazon is happily earning interest on my hard-earned money, while you eagerly pile on the interest charges for the reversal.
Do you even care about your customers' concerns? I wasted no time in reporting this egregious mishandling of my case to the Ombudsman for Banking Services. However, given the lacklustre service I have experienced so far, I doubt any action will be taken.
I've had enough of your incompetence and blatant disregard for your customers. Should both Discovery Bank and the Ombudsman choose to side with Amazon Inc. and dismiss my legitimate dispute, I assure you I will take this battle to small claims court with ample evidence to support my case before a judge.
Let me make it perfectly clear: my confidence in your ability to do anything right has completely evaporated. If and when this issue is resolved (though I'm not holding my breath), consider it the last time you'll ever see my business. I'm severing all ties with Discovery Limited, and I'll make sure everyone knows about the pathetic service I've received.
Save your insincere acknowledgments; they hold no value for me.
Disgustedly,Itumeleng Mkhwa****
It has been an astonishing 51 days since you received my essential documents, and to make matters worse, 14 days have passed since Vuyelwa Jola was informed by a Discovery Banks contact centre agent to get in touch with me due to the lack of a direct line.
Instead of promptly resolving the transaction issue, you chose to reverse it and, to add insult to injury, started charging me interest. Meanwhile, Amazon is happily earning interest on my hard-earned money, while you eagerly pile on the interest charges for the reversal.
Do you even care about your customers' concerns? I wasted no time in reporting this egregious mishandling of my case to the Ombudsman for Banking Services. However, given the lacklustre service I have experienced so far, I doubt any action will be taken.
I've had enough of your incompetence and blatant disregard for your customers. Should both Discovery Bank and the Ombudsman choose to side with Amazon Inc. and dismiss my legitimate dispute, I assure you I will take this battle to small claims court with ample evidence to support my case before a judge.
Let me make it perfectly clear: my confidence in your ability to do anything right has completely evaporated. If and when this issue is resolved (though I'm not holding my breath), consider it the last time you'll ever see my business. I'm severing all ties with Discovery Limited, and I'll make sure everyone knows about the pathetic service I've received.
Save your insincere acknowledgments; they hold no value for me.
Disgustedly,Itumeleng Mkhwa****
IM
Itumeleng M's updateReviewer Update
24 Jul 2023, 21:05 I understand that under VISA's chargeback rules, merchants are allowed to present their case, along with supporting evidence, in a process known as "representment." I would like to know what evidence Amazon or their merchant bank presented to justify the reversal of the chargeback that Discovery Bank authorised.
As a cardholder, I am entitled to know the specifics of the evidence that disproved my documented claims. It is crucial for me to understand the basis on which my chargeback was not upheld and the subsequent debits were made to my account.
If, indeed, the retailer's bank rejected the chargeback and Discovery Bank disagreed with the reasoning, I request transparency regarding the process and the reasons behind the decision.
" If the issuer accepts the merchant’s evidence, they will reverse the chargeback."
What evidence did Amazon present that disproved my evidence?
"If the retailer's bank rejects the chargeback and your bank disagrees with the reasoning, they may ask the credit card scheme to decide. "
Did Discovery Bank disagree with the merchant bank based on my evidence?
As a cardholder, I am entitled to know the specifics of the evidence that disproved my documented claims. It is crucial for me to understand the basis on which my chargeback was not upheld and the subsequent debits were made to my account.
If, indeed, the retailer's bank rejected the chargeback and Discovery Bank disagreed with the reasoning, I request transparency regarding the process and the reasons behind the decision.
" If the issuer accepts the merchant’s evidence, they will reverse the chargeback."
What evidence did Amazon present that disproved my evidence?
"If the retailer's bank rejects the chargeback and your bank disagrees with the reasoning, they may ask the credit card scheme to decide. "
Did Discovery Bank disagree with the merchant bank based on my evidence?
IM
Itumeleng M's update24 Jul 2023, 21:05
Reviewer Update
I understand that under VISA's chargeback rules, merchants are allowed to present their case, along with supporting evidence, in a process known as "representment." I would like to know what evidence Amazon or their merchant bank presented to justify the reversal of the chargeback that Discovery Bank authorised.
As a cardholder, I am entitled to know the specifics of the evidence that disproved my documented claims. It is crucial for me to understand the basis on which my chargeback was not upheld and the subsequent debits were made to my account.
If, indeed, the retailer's bank rejected the chargeback and Discovery Bank disagreed with the reasoning, I request transparency regarding the process and the reasons behind the decision.
" If the issuer accepts the merchant’s evidence, they will reverse the chargeback."
What evidence did Amazon present that disproved my evidence?
"If the retailer's bank rejects the chargeback and your bank disagrees with the reasoning, they may ask the credit card scheme to decide. "
Did Discovery Bank disagree with the merchant bank based on my evidence?
As a cardholder, I am entitled to know the specifics of the evidence that disproved my documented claims. It is crucial for me to understand the basis on which my chargeback was not upheld and the subsequent debits were made to my account.
If, indeed, the retailer's bank rejected the chargeback and Discovery Bank disagreed with the reasoning, I request transparency regarding the process and the reasons behind the decision.
" If the issuer accepts the merchant’s evidence, they will reverse the chargeback."
What evidence did Amazon present that disproved my evidence?
"If the retailer's bank rejects the chargeback and your bank disagrees with the reasoning, they may ask the credit card scheme to decide. "
Did Discovery Bank disagree with the merchant bank based on my evidence?