MANILA -- I did an online transaction to transfer funds from my savings to checking account, but got distracted and instead paid my credit card P159,500 when my credit limit in my credit card was only P90,000. So I called up Customer Service of BDO how to go about crediting back my overpayment to my BDO savings account.
I learned that even though it was an overpayment, BDO will get 1% of the credit amount (in my case, almost P1,000) as a so-called "refund fee". That's highway robbery! Why would BDO get my money when I made an overpayment of my credit card? I haven't seen that "greed" even in the US! BDO does find ways to get your money. That's the reality. Oh well... :(
I was in BDO (SM Manila branch - near City hall) at lunch time today to pay the outstanding balance of my two credit cards and at the same time deposit cash for my two accounts. I went at lunch time because I couldn't really find time to go to the bank because of my very busy work schedule. I went inside the bank at a little past 12:00 noon. There were lots of people lining up to the tellers' counter, where two signs were also prominently displayed, - "single transaction" and "multiple transactions". Since I have four transactions, I naturally went to the line for multiple transactions.
In the single transaction line, I heard the guards call for people with cash deposits only. I assumed therefore that the line for "single transaction" was prioritizing cash deposit transactions. After about 1 hour and a half of standing in the line, I was finally able to approach the teller for my transaction. To my dismay, she informed me that she will only accept my cash deposit and not my payment for credit card. I told her that I've been standing in line for more than 1 hour and she should accept my payment. The teller told me she cannot accept because her computer is programmed for cash deposits only, and that there is another line for credit card payment.
I looked in the direction that she pointed and saw people sitting comfortably in the right side of the bank. But there was no sign saying that that particular portion is for credit card or bills payment. To make the long story short, the teller was telling me in essence that I should line up again in the credit cards section. I felt horrible, I felt very angry, and I felt that I deserve a better service from that bank.
I've been a loyal client of BDO and so are those so many people standing in line for hours. I told the teller that I would be filing a complaint with the bank manager. But the bank manager was busy acting as a teller and I had to again wait for a few minutes before she was able to finally talk to me. I told her my complaint and she instructed the guard to give my credit card statement and money to the teller in the credit card section. But since there was no clear instruction, I guess the guard just left my credit card statement with one of the tellers.
It was only after I stood up after another 20 minutes that the bank manager inquired from the guard about my statement, and the guard went back to the teller. 10 minutes later, the guard returned asking me to fill up another paper so that my transaction will be attended to. This time, I could no longer contain my anger and I just asked the guard and the teller to just return my money and that I will no longer wait for them to do whatever it is that they still need to do.
What I want to say here, therefore, is this -- THE BDO PEOPLE IN SM MANILA TREAT THEIR BANKING CLIENTS VERY VERY BADLY. They are very inconsiderate and very unprofessional. They should stop making people line up for hours and they should not separate the banking transactions that people will have to go to different tellers just to finish all their transactions.
Their business is prospering because of all these people who put their money in their bank. If it weren't for these people (and their money) then they will have nothing. I am writing this because I want them to improve their service. I hope this will reach them so that I do not have to go to the main branch to complain with the big bosses.
PHILIPPINES -- I sent money to my boyfriend in the Philippines using my own BDO account. Then today, Saturday evening at around 7:30 PM, 06 February he withdraw an amount of 10,000 in BDO BF Homes Paranaque, but it seems that the machine hanged/malfunctioned which causes the money not to come out from the machine, even a receipt has not been provided to him by the said machine. What am I going to do to get back my money as my family in the Philippines needs the money very badly?
My boyfriend tried calling the Help Centre of BDO to report the incident but it took some time for him to get through someone whom he get some help for what had happen and when the time he spoke to one of the agent he was just given a reference number regarding his report and was told that I, myself should be the one to call them directly on Tuesday for the reason that the complaint or report will be received only by Monday. I need an immediate action for this as it will really cost me much to call BDO Call Centre from Dubai.
LAS PINAS -- I have always used my ATM debit card for my purchases. I like that I can pay via my checking account and my transactions are tracked clearly. I recently paid for my groceries at Pure Gold. They told me that the transaction did not process and I paid them in cash. In fact the money was deducted from my checking account. I have been 40 days trying to get this cleared up with BDO bank, who continues to insist that it takes 45 business days to find out and credit the money back to my checking.
I believe you could have gotten a response 50 yrs ago faster than 45 business days. I have politely addressed this with so called managers over the phone and in branch offices in Las Pinas. Have these people heard of the internet? Are they sending messages back and forth by Turtle?
I got confirmation from the Store, Mastercard and my Checking account within minutes of the transaction but the personnel at BDO insist that they still are unable to determine if in fact the transaction was deducted from my account. I hope others will complain and prompt better service from their BDO bank.