Discovery Bank unwilling to provide feedback on interest charges - they have no regard for their clients and just ignores them - rather stay with which ever bank you at as I never had this from Standard Bank
I called Discovery Bank on the 11th of January to ascertain the reason for interest charges on my credit card. An Interest recon was sent via email with case number . The reason for the R169.22 could not be provided, and I was promised a call back the same day. I did not receive a call and called again the next day and was told I would be called back. I did not get call and called again today (17 January) for the third time and a new interest recon was emailed.  After spending 35 minutes on the phone the lady could still not explain the reason for the R169.22 which does not reflect on either of the recons. I was then transferred to someone else who did not answer the phone. The fact that I don’t get called back is an indication to me that they either don’t know or in fact charged me incorrectly. 

My concerns with the three interest amounts are:
1)	R169.22
To me appears that due to the interest hike on the 19th of November they charged me an additional amount to the R385.31, however, the R169.22 amount does not appear on the recons. If this is in fact for the change in interest rates, why was this not explained to me and why does it not reflect on the recons?

2)	R385.31
I always settle my credit card in full at the end of each month (I may have missed one or two in the last three years) and even though I paid the full balance at the end of October, and the minimum payment for November before the due date of the 4th, followed by the full balance on the 7th of December, I was still charged interest, so what happened to 55 days interest free?

3)	R90.01
Apparently, this was charged as I “lost my 55 days interest free” even though I paid the full outstanding balances on 7 and 31 December, and also take into account that according to me I was entitled to my 55 days interest free.

2022-01-10	Interest Charged at 15.00%				-90,01
2021-12-31	Payment - full December balance			19 826,00
2021-12-10	Interest Charged at 15.00%				-385,31
2021-12-10	Interest charged at 14.75%				-169,22
2021-12-07	Payment - full November balance			49 910,03
2021-12-01	Payment (minimum) for November			1 633,34
2021-11-02	Payment (additional) to settle October full balance	579,00
2021-11-02	Payment - full October balance				25 063,00
2021-10-04	Payment - full September balance			34 164,00

On the 17th of January I logged a complaint against DB with the Banking Ombud.  In line with their complaint resolution I received an email on the 19th stating that the complaint had been escalated to DB's internal dispute resolution dept.

On the 21st of January I received this email from DB:

Hope Munodawafa <***********>
Fri, 21 Jan, 15:44 (12 days ago)
to me

Good Day Mr Bosman

I am reaching out to you regarding a complaint we received from the Ombudsman for Banking Services regarding the various interest charges on your credit card account.

Firstly, I sincerely apologise for the frustration and inconvenience caused to you in this regard. This is not the level of service we strive to provide to our clients and will try our very best to ensure this does not happen again.

Please note that we are currently investigating your query with the relevant teams and will revert with feedback as soon as possible.

 I followed up with Hope on the the 26th of January via email but received no response which means that this "is the level of service we strive to provide to our clients and will try our very best to ensure this happens again." 

It has now been 3&1/2 weeks since my original call and a week since I followed up with an Executive Relationship Manager and DB is still unwilling to provide me feedback on my interest charges. 

DB sent an email to me last week warning me to be careful of fraudsters yet the very same "bank" has potentially overcharged me (which is also fraud) and unwilling to provide me with feedback?