DS
Doron S
1 reviews | Active since Nov 2019
25 Sept 2024, 14:44
Worst bank Ever
Don't move over to or open a discovery account. The whole system is a ****. Their fees are ridiculously high. The customer service is quite seriously the worst in the industry.
They opened my a credit account to the value of R1000 at 25.5% interest(crazy high). I also moved my life cover from Old Mutual to Discovery and my retirement from Sanlam to Discovery. In order to actuvate the benefits fully this has to be done. This was a massive mistake!! Their life policy costs me more monthly than i was paying and gives less. And in order to gain discounts on life premiums you have to have a banking suite. The discount i got still made the premium higher than my original Old Mutual premium. But the benefits of vitality and cash back really drew me in, this is all garbage, honestly trash because the cashbacks and other rewards don't give enough to be honest.
The fools at the bank somehow attached the debit order for the life policy to my credit account, the premium for the life policy is more than the availabke credit, so i dontknow why they did that, before i onew it they ran the debit, and of course there was insufficient funds, which i get charged for. I immediately inform the bank and the life department to change it, no response, no reaction nothing!! I keel following up to which they debit me again and charge me insufficientfunds fee again. I immediately tell them about it and emand the refund me the fees. No response and no action taken. I eventually get someone to help me manually chnage the baking details so that debit doesnt run again. Now my account is over drawn. I pay it back and tell them to cancel the card and the account. To which they again give no response. They then go ahead and charge me the fees for the account which is R289 a month! Thats 30% of the available credit which is ridiculous again. I then email again and tell to refund the fees as i had instructed them to cancel and close the account.i still get no response and still to this date have gotten no response or acknowledgement!
I hate this company!! Every customer service employee needs to be reviewed and fired ASAP as they are all entirely useless!!
DO NOT USE DISCOVERY FOR ANYTHING!!!!
Helpful (0)
Replies (5)0
Replies (5)
Discovery Bank's replyOfficial
01 Oct 2024, 15:53Hey Doron
Thanks for reaching out to us.
We apologise for the experience you have had with us.
As advised for your debit order, the Life team would need to assist.
We would not be able to dispute the fee charged for the debit order, as debit orders are interest bearing transactions.
The credit account that you have opened has monthly fee of R289, as advised on the terms and conditions when you joined the bank.
I have reviewed your profile, and there is no account closure request that has been requested. The last mention of a closure you had advised that you would enquire with your broker as your life plan discounts would be affectted.
Would you like me to log an account closure for you?
Kind regards,
Mpho
Thanks for reaching out to us.
We apologise for the experience you have had with us.
As advised for your debit order, the Life team would need to assist.
We would not be able to dispute the fee charged for the debit order, as debit orders are interest bearing transactions.
The credit account that you have opened has monthly fee of R289, as advised on the terms and conditions when you joined the bank.
I have reviewed your profile, and there is no account closure request that has been requested. The last mention of a closure you had advised that you would enquire with your broker as your life plan discounts would be affectted.
Would you like me to log an account closure for you?
Kind regards,
Mpho
Discovery Bank's reply01 Oct 2024, 15:53
Official
Hey Doron
Thanks for reaching out to us.
We apologise for the experience you have had with us.
As advised for your debit order, the Life team would need to assist.
We would not be able to dispute the fee charged for the debit order, as debit orders are interest bearing transactions.
The credit account that you have opened has monthly fee of R289, as advised on the terms and conditions when you joined the bank.
I have reviewed your profile, and there is no account closure request that has been requested. The last mention of a closure you had advised that you would enquire with your broker as your life plan discounts would be affectted.
Would you like me to log an account closure for you?
Kind regards,
Mpho
Thanks for reaching out to us.
We apologise for the experience you have had with us.
As advised for your debit order, the Life team would need to assist.
We would not be able to dispute the fee charged for the debit order, as debit orders are interest bearing transactions.
The credit account that you have opened has monthly fee of R289, as advised on the terms and conditions when you joined the bank.
I have reviewed your profile, and there is no account closure request that has been requested. The last mention of a closure you had advised that you would enquire with your broker as your life plan discounts would be affectted.
Would you like me to log an account closure for you?
Kind regards,
Mpho
DS
Doron S's updateReviewer Update
01 Oct 2024, 16:09I was aware of the fees. Thanks. However i requested the cancellation before the next billing date and the account was on a positive balance before the non sense life department attempted to debit again even after instruction to change banking details. and nothing was done by either of you. Are you 100% certain i didn't send a cancellation request on the 26th of august before the next billing round? If only i could post a picture here for everyone to see the email sent to ***. because there is absolutely an email sent to an email i got dorectly off your banking app. So if the information on your so called amazing app is wrong perhaps, maybe, just maybe YOU SHOULD INFORM CUSTOMERS. Instead of just leaving these on the app so the customer feels they've gone through the correct avenues but then continues to receive bills and debits from you.
You are absolutely 100% going to refund everything you have taken from me as far as incorrect debit amounts go. As everything that as happened comes down to simple terrible service and lack of action on doscovery's part.
Horrible, horrible institution. Really.
Yes close the account and refund absolutely all the debit fees that were incorrectly charged by the life department and yourselves.
If not i will take the matter up with the ombudsman because your service is ********** and i have just been charged and charged and charged again after begging for action to be taken.
You are absolutely 100% going to refund everything you have taken from me as far as incorrect debit amounts go. As everything that as happened comes down to simple terrible service and lack of action on doscovery's part.
Horrible, horrible institution. Really.
Yes close the account and refund absolutely all the debit fees that were incorrectly charged by the life department and yourselves.
If not i will take the matter up with the ombudsman because your service is ********** and i have just been charged and charged and charged again after begging for action to be taken.
DS
Doron S's update01 Oct 2024, 16:09
Reviewer Update
I was aware of the fees. Thanks. However i requested the cancellation before the next billing date and the account was on a positive balance before the non sense life department attempted to debit again even after instruction to change banking details. and nothing was done by either of you. Are you 100% certain i didn't send a cancellation request on the 26th of august before the next billing round? If only i could post a picture here for everyone to see the email sent to ***. because there is absolutely an email sent to an email i got dorectly off your banking app. So if the information on your so called amazing app is wrong perhaps, maybe, just maybe YOU SHOULD INFORM CUSTOMERS. Instead of just leaving these on the app so the customer feels they've gone through the correct avenues but then continues to receive bills and debits from you.
You are absolutely 100% going to refund everything you have taken from me as far as incorrect debit amounts go. As everything that as happened comes down to simple terrible service and lack of action on doscovery's part.
Horrible, horrible institution. Really.
Yes close the account and refund absolutely all the debit fees that were incorrectly charged by the life department and yourselves.
If not i will take the matter up with the ombudsman because your service is ********** and i have just been charged and charged and charged again after begging for action to be taken.
You are absolutely 100% going to refund everything you have taken from me as far as incorrect debit amounts go. As everything that as happened comes down to simple terrible service and lack of action on doscovery's part.
Horrible, horrible institution. Really.
Yes close the account and refund absolutely all the debit fees that were incorrectly charged by the life department and yourselves.
If not i will take the matter up with the ombudsman because your service is ********** and i have just been charged and charged and charged again after begging for action to be taken.
Discovery Bank's replyOfficial
11 Oct 2024, 10:14Hi Doron
Thanks for responding, an account closure has been logged for you and a settlement letter has been shared via email.
Our previous calls with you on the bank side advise that you were enquiring about your Life policy debit order and Bank-Integrated Discovery Life plan - of which you wanted to confirm a few details with your broker prior to confirming closure on the bank side.
Our complaints email is for logging complaints and unsatisfactory experiences with us, for a direct account closure to be logged you need to contact our servicing team. Which is available 24/7 on our toll-free number ***.
According to the transactions I have checked on your bank accounts with us there has been no successful Life debit order, they have all been declining since 1 August 2024. Hence we would have charged the debit order decline fees. As we had advised to change the debit order account details you would have needed to provide our Life department with the correct account details.
Should you wish to have your account closure case completed successfully please reply to the email once the actions advised have been completed.
Please note that I have also logged a complaint with our complaints team due to the experience you have had with us.
Kind regards,
Mpho
Thanks for responding, an account closure has been logged for you and a settlement letter has been shared via email.
Our previous calls with you on the bank side advise that you were enquiring about your Life policy debit order and Bank-Integrated Discovery Life plan - of which you wanted to confirm a few details with your broker prior to confirming closure on the bank side.
Our complaints email is for logging complaints and unsatisfactory experiences with us, for a direct account closure to be logged you need to contact our servicing team. Which is available 24/7 on our toll-free number ***.
According to the transactions I have checked on your bank accounts with us there has been no successful Life debit order, they have all been declining since 1 August 2024. Hence we would have charged the debit order decline fees. As we had advised to change the debit order account details you would have needed to provide our Life department with the correct account details.
Should you wish to have your account closure case completed successfully please reply to the email once the actions advised have been completed.
Please note that I have also logged a complaint with our complaints team due to the experience you have had with us.
Kind regards,
Mpho
Discovery Bank's reply11 Oct 2024, 10:14
Official
Hi Doron
Thanks for responding, an account closure has been logged for you and a settlement letter has been shared via email.
Our previous calls with you on the bank side advise that you were enquiring about your Life policy debit order and Bank-Integrated Discovery Life plan - of which you wanted to confirm a few details with your broker prior to confirming closure on the bank side.
Our complaints email is for logging complaints and unsatisfactory experiences with us, for a direct account closure to be logged you need to contact our servicing team. Which is available 24/7 on our toll-free number ***.
According to the transactions I have checked on your bank accounts with us there has been no successful Life debit order, they have all been declining since 1 August 2024. Hence we would have charged the debit order decline fees. As we had advised to change the debit order account details you would have needed to provide our Life department with the correct account details.
Should you wish to have your account closure case completed successfully please reply to the email once the actions advised have been completed.
Please note that I have also logged a complaint with our complaints team due to the experience you have had with us.
Kind regards,
Mpho
Thanks for responding, an account closure has been logged for you and a settlement letter has been shared via email.
Our previous calls with you on the bank side advise that you were enquiring about your Life policy debit order and Bank-Integrated Discovery Life plan - of which you wanted to confirm a few details with your broker prior to confirming closure on the bank side.
Our complaints email is for logging complaints and unsatisfactory experiences with us, for a direct account closure to be logged you need to contact our servicing team. Which is available 24/7 on our toll-free number ***.
According to the transactions I have checked on your bank accounts with us there has been no successful Life debit order, they have all been declining since 1 August 2024. Hence we would have charged the debit order decline fees. As we had advised to change the debit order account details you would have needed to provide our Life department with the correct account details.
Should you wish to have your account closure case completed successfully please reply to the email once the actions advised have been completed.
Please note that I have also logged a complaint with our complaints team due to the experience you have had with us.
Kind regards,
Mpho
DS
Doron S's updateReviewer Update
11 Oct 2024, 16:37Im glad you keep responding. So everyone can see hiw discovery handles things.
I actioned the account closure on the 26th of august via email via the direct email from the baking app.
No one responded to me and you kept charging fees even though i continued to send email requesting the account be closed. If the emails on your app are wrong. Put the correct ones or indicate which ones are correct.
With regards to the life policy you guy DID NOT once state i should change my baking details i had to escalate the issue myself. You would have continue charging fees. You didn't do a debicheck or anything. I instructed the life department, from the first incorrect debit, numeorus times, to chnage the baking details they did nothing about it.
But just so everyone can see how discovery attempts to blame their shortfalls on the customer take not of everything happening here.
Yes close the account. No i wont be paying a single fee that was charged as they were all charged incorrectly due to mistake from every discovery department!
The insufficient funds fee incorrectly charged due the horrible service and response time from the life department and the lack of the banks ability and due diligence to be able to do a debicheck to ensure they(the lofe department) had the correct details and to be sure i wanted that account to be charged(which i didnt). And and the banks ridiculous hopps and countless dofferent email addresses, none of which actually get through to the correct department, and inability for one banking department to escalate to the correct department to action a closure so fees dont get incorrectly charged.
Fact of the matter is, and EVERYONE SHOULD TAKE NOTE, I posted thie complaint on the 25th of September, the baking department were only able to action a closure yesterday on the 10th of October. Which means it takes this terrible corporation 3 and a half weeks to do anything of importance, meanwhile a second set of fees has been charged since then.
Close the account. Get rid of the incorrect fees that i will not be paying and lets be done with this nonsense. As i am quite done talking and dealing with discovery.
I actioned the account closure on the 26th of august via email via the direct email from the baking app.
No one responded to me and you kept charging fees even though i continued to send email requesting the account be closed. If the emails on your app are wrong. Put the correct ones or indicate which ones are correct.
With regards to the life policy you guy DID NOT once state i should change my baking details i had to escalate the issue myself. You would have continue charging fees. You didn't do a debicheck or anything. I instructed the life department, from the first incorrect debit, numeorus times, to chnage the baking details they did nothing about it.
But just so everyone can see how discovery attempts to blame their shortfalls on the customer take not of everything happening here.
Yes close the account. No i wont be paying a single fee that was charged as they were all charged incorrectly due to mistake from every discovery department!
The insufficient funds fee incorrectly charged due the horrible service and response time from the life department and the lack of the banks ability and due diligence to be able to do a debicheck to ensure they(the lofe department) had the correct details and to be sure i wanted that account to be charged(which i didnt). And and the banks ridiculous hopps and countless dofferent email addresses, none of which actually get through to the correct department, and inability for one banking department to escalate to the correct department to action a closure so fees dont get incorrectly charged.
Fact of the matter is, and EVERYONE SHOULD TAKE NOTE, I posted thie complaint on the 25th of September, the baking department were only able to action a closure yesterday on the 10th of October. Which means it takes this terrible corporation 3 and a half weeks to do anything of importance, meanwhile a second set of fees has been charged since then.
Close the account. Get rid of the incorrect fees that i will not be paying and lets be done with this nonsense. As i am quite done talking and dealing with discovery.
DS
Doron S's update11 Oct 2024, 16:37
Reviewer Update
Im glad you keep responding. So everyone can see hiw discovery handles things.
I actioned the account closure on the 26th of august via email via the direct email from the baking app.
No one responded to me and you kept charging fees even though i continued to send email requesting the account be closed. If the emails on your app are wrong. Put the correct ones or indicate which ones are correct.
With regards to the life policy you guy DID NOT once state i should change my baking details i had to escalate the issue myself. You would have continue charging fees. You didn't do a debicheck or anything. I instructed the life department, from the first incorrect debit, numeorus times, to chnage the baking details they did nothing about it.
But just so everyone can see how discovery attempts to blame their shortfalls on the customer take not of everything happening here.
Yes close the account. No i wont be paying a single fee that was charged as they were all charged incorrectly due to mistake from every discovery department!
The insufficient funds fee incorrectly charged due the horrible service and response time from the life department and the lack of the banks ability and due diligence to be able to do a debicheck to ensure they(the lofe department) had the correct details and to be sure i wanted that account to be charged(which i didnt). And and the banks ridiculous hopps and countless dofferent email addresses, none of which actually get through to the correct department, and inability for one banking department to escalate to the correct department to action a closure so fees dont get incorrectly charged.
Fact of the matter is, and EVERYONE SHOULD TAKE NOTE, I posted thie complaint on the 25th of September, the baking department were only able to action a closure yesterday on the 10th of October. Which means it takes this terrible corporation 3 and a half weeks to do anything of importance, meanwhile a second set of fees has been charged since then.
Close the account. Get rid of the incorrect fees that i will not be paying and lets be done with this nonsense. As i am quite done talking and dealing with discovery.
I actioned the account closure on the 26th of august via email via the direct email from the baking app.
No one responded to me and you kept charging fees even though i continued to send email requesting the account be closed. If the emails on your app are wrong. Put the correct ones or indicate which ones are correct.
With regards to the life policy you guy DID NOT once state i should change my baking details i had to escalate the issue myself. You would have continue charging fees. You didn't do a debicheck or anything. I instructed the life department, from the first incorrect debit, numeorus times, to chnage the baking details they did nothing about it.
But just so everyone can see how discovery attempts to blame their shortfalls on the customer take not of everything happening here.
Yes close the account. No i wont be paying a single fee that was charged as they were all charged incorrectly due to mistake from every discovery department!
The insufficient funds fee incorrectly charged due the horrible service and response time from the life department and the lack of the banks ability and due diligence to be able to do a debicheck to ensure they(the lofe department) had the correct details and to be sure i wanted that account to be charged(which i didnt). And and the banks ridiculous hopps and countless dofferent email addresses, none of which actually get through to the correct department, and inability for one banking department to escalate to the correct department to action a closure so fees dont get incorrectly charged.
Fact of the matter is, and EVERYONE SHOULD TAKE NOTE, I posted thie complaint on the 25th of September, the baking department were only able to action a closure yesterday on the 10th of October. Which means it takes this terrible corporation 3 and a half weeks to do anything of importance, meanwhile a second set of fees has been charged since then.
Close the account. Get rid of the incorrect fees that i will not be paying and lets be done with this nonsense. As i am quite done talking and dealing with discovery.
Discovery Bank's replyOfficial
04 Nov 2024, 09:40Hi Doron
We are aware that our Complaints team has dealt with your query accordingly.
Kind regards,
Mpho
We are aware that our Complaints team has dealt with your query accordingly.
Kind regards,
Mpho
Discovery Bank's reply04 Nov 2024, 09:40
Official
Hi Doron
We are aware that our Complaints team has dealt with your query accordingly.
Kind regards,
Mpho
We are aware that our Complaints team has dealt with your query accordingly.
Kind regards,
Mpho