Bank charges when account is not even activated 
Hi,

Call centre service is terms of politeness and service that they can provide is great however my issue with your systems.

I signed up for discovery bank last year some time. Only activated the card in February 2020, then cancelled the card in an attempt to downgrade my colour to gold to reduce my bank charges, the bank app was not very user friendly and when spoke to the call centre agent they could not do it as the functionality does not lie with them but with the app and the customer....not ideal at all. 

So now after some time i have managed to downgrade from a platinum card to a gold card, and will also now be a pay as you use option which is more cost effective.

My platinum transactional account has not been used - no account activity at all since the account was taken up and /or activated. 

All my vitality savings goes into the discovery savings account which is linked to the cheque account. 

My vitality savings is at R1022.33, this form being a health eater, going to gym regularly and actually working hard to get that savings.
My Transaction account is sitting at R-1425.94, if I have to transfer my savings to the transaction account in order to be able to use it I will go into a negative so my savings is actually null and void.

Really very disappointing and especially when I actually cannot afford to loose that money and also not gain as many points due to the gym facilities being closed. 

Also note that the account was not used and not even activated but bank charges where just being racked up, not even a transaction sms or email to state that your account is in overdraft, at least that would have prompted me to investigate. 

No one can afford to loose 1022. 33 in savings nor can I afford to pay 1425,94 for a service that I did not use or even activate, even more so during these unprecedented and uncertain times we find ourselves in. 

I have tried to address this during my calls to discovery bank call centre, however they were unable to assist me.
