For those of you who have read my earlier article “Banco de Oro Ate My Money” please bear with me while I rant some more about BDO’s Customer Service Agents.

The problem with Customer Service Agents at the Banco de Oro is they do not have a unified source of knowledge that they can study and pass on with confidence to their callers. Perhaps this may be because I am not a BDO depositor and therefore not worthy of the same treatment as one who is. But talking to different CSA’s at BDO is like talking to different banks altogether. The quote different policies, different standard operating procedures, and conflicting reports as to the status of your case.

The first CSA we spoke to refused to give us a Case number because I am not a BDO depositor. However, the third one I spoke to volunteered immediately to give me one and took down all my details. Other CSA agents told me I could not communicate directly with their ATM Centre, but then again, one CSA gave me the trunkline of the ATM Center and then from there I learned how to call the department that dealt with “other banks” that had issues with the BDO ATMs.

It was this way that I spoke to Mar of the ATM Center who told me that they had already released my money to Megalink the day before (Dec 9) and that Megalink should pass it on to Unionbank soon. I heaved a sigh of relief. I was several steps closer to getting my money back, almost there in fact. After I spoke to Mar, I called Unionbank again, who confirmed that indeed Megalink had communicated with them that my money was on its way back to my account.

After more than two weeks of not knowing whether I was going to see my P5K again, I finally did see it, when I checked my Unionbank account online, yesterday afternoon. No one from either bank called me as promised, to check if indeed I knew that my money was back. Certainly no follow-ups as promised by BDO’s CSA’s, perhaps because I was not a BDO depositor and did not deserve the effort.

I had the means by which to nag them into working on my case. I had phones both at home and in the office. But what if this had happened to someone who did not have the same means as I did, who could not spend the entire morning calling back and forth between banks.

What if this had happened to Manong Kardo the construction worker, who had attempted to withdraw his month’s pay but ended up with nothing? What if he didn’t know who to call, what if he didn’t know that he had to call and persistently so that he can get his money back? What would he do for two weeks or more, with no money to feed his family—and all that BDO can tell him is his transaction did not exist in their system?

One thing’s for sure though. I am never going to be a BDO depositor after this fiasco.

Banco de Oro ATM Ate My Money (Conclusion)

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20 thoughts on “Banco de Oro ATM Ate My Money (Conclusion)

  1. Glad to know that you got your money back. But it is so frustrating and irritating that these people make you jump through hoops just so that you can get your money back.

    The fact that nobody bothered to call or inform you that your money has been returned leaves one with the impression that these people weren’t happy about having to return to you your money. Such dishonesty!

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  3. @ ceblogger – naku, client ko pa naman ang pnb. I suppose the bigger the bank the busier their Customer Service people are. Of course that’s no excuse for poor service.

    @ sis mari – siguro naka ilang baso din ako ng malamig na tubig while talking to the CSRs, para lang huwag akong atakihin sa puso!

    @ panaderos – actually wala paring tumatawag until today, as if nobody really cares if i got my money back or not. but yes, I am so relieved that I did.

  4. Hi aLiNe, yes, am so thankful that I did get my money … of all times of the year pa mangyari ito, malapit na xmas?! Buti nalang talaga nagawan ng paraan ng mga kinauukulan. Kung hindi ay naku maghahalo ang balat sa tinalupan 😀

  5. Hi,
    The same thing happened to me just today. Funny thing, this is the third time and yes like you, they said they dont give out the ATM center’s number. Do you still have a copy? Can you share it with me? I want to give them a call and make sure my issue is resolved. And like the Mang Kardo you mentioned in your post.. this is my month’s salary.

    Thanks for this post!
    .-= Jen´s last blog ..Olive Oil Body Oil =-.

  6. Same problem here, poor service by BDO atm nabawasan atm ko ng 10k kahit walang lumabas na cash as of now mag-1month na wala pa rin puro follow-up lang ako kakasawa. I have metrobank atm/bpi/pnb dto lang ako ngkaproblema sa BDO. Pag hndi pa rin bumalik close ko na account ko.

  7. @BDO WE FIND WAYS.

    BDO FINDs WAYS to make my life as depositor MISERABLE..

    INCLUDING YOUR LIFE,if your are banking on BDO, too..

    Sp bank on them with faith. (Read: Good Luck)

  8. i just have one question, is it possible that i didnt withdraw in atm machine and i dont have any idea who withdraw it because im just alone in my house, i have a pasbuk and atm in one account but im not using my atm card, im only using the pasbuk and inside the bank. when i update my pasbook in bdo there is a deduction in my money at it stated there that it was wihtdrawn in atm, but the question is nobody except me is holding the atm card and i never use the atm eversince i get it in the bank. i talk to the manager to ask if they have cctv in bdo but he said that they dont have, how was that happen?i nver use my atm and nobody knew about my atm. pls help me…

  9. Hello Anonymous, the entry in your passbook for the withdrawal should have a date and time and a transaction number which can be traced to the ATM machine where the withdrawal is supposed to have happened. With that info the bank should be able to provide further information.

    Best thing to do is to bring things up with the manager, and if he doesn’t get off his ass to help you, GO HIGHER. The Tulfo Brothers come to mind …

    1. @bambit,,nakain din ang pera q ng BDO na yan,,kanina kase nagpasama aq sa kaklase kong magwithdraw ng 10,000sa BDO tas ang lumabas ay transaction temporary unable blah blah blah,,

      tapos un,,nagpasama aq dun sa metrobank tas nagwithdraw aq ng 20,000 tas nakita ko sa resibo na ang balance q nalng ay 300 e ang total savings ko ay 30300,,dapat ang matitira ay 10300….nakita ko nlng ang natira ay 300,,,tas napagtanto ko na nakain nga ung 10,000 ko ng BDO nung nagwithdraw kame…

      NAKAKAPANGLUMO EH…

      ANY ADVISE?OR SUGGESTIONS ON HOW CAN I GET MY 10000 BACK,,???PLEAse

  10. yes there is a date and time,the manager give me the statment ,that stated on that dates somebody withdrawn money in my atm, but how was that happen,im the only one holding my atm and im just alone in our house, and nobody knew my pin except me, im just wondering how was that happen.

  11. @bambit,,nakain din ang pera q ng BDO na yan,,kanina kase nagpasama aq sa kaklase kong magwithdraw ng 10,000sa BDO tas ang lumabas ay transaction temporary unable blah blah blah,,

    tapos un,,nagpasama aq dun sa metrobank tas nagwithdraw aq ng 20,000 tas nakita ko sa resibo na ang balance q nalng ay 1300 e ang total savings ko ay 30300,,dapat ang matitira ay 10300….nakita ko nlng ang natira ay 1300,,,tas napagtanto ko na nakain nga ung 10,000 ko ng BDO nung nagwithdraw kame…

    NAKAKAPANGLUMO EH…

    ANY ADVISE?OR SUGGESTIONS ON HOW CAN I GET MY 10000 BACK,,???PLEASE HELP

    1. Hello Patrick,

      Una sa lahat, allow me to commiserate with you. Believe me I know what you’re feeling right now, kahit di hamak na mas maliit ang nawala sa akin nung unang nangyari ito, at nabawi ko rin naman.

      Ang maia-advice ko lang sayo ay ito:

      Write a full account, kung pwede blow-by-blow, of the incident, including dates, exact time, include details on the transaction receipt. If you have online access to your account, take screenshots of the transaction records.

      Tapos eto ang madugo. Araw-arawin mo ng tawag ang BDO at ang iyong banko. 2x a day kung kaya. Kahit sabihin nilang call in 3 days, tumawag ka parin araw araw, 2x a day. Magtaray ka ng magtaray dahil mas madali silang matataranta at mas uunahin ang kaso mo (feeling ko lang).

      The time for being mabait is OVER. May kasalanan sila sa iyo. Definitely hindi mo kasalanan ito. Idedeny din nila na kasalanan nila yan. Somewhere merong pumalpak, but definitely hindi ikaw yun.

      Be firm. Be ready to invest a lot of time. Kailangan mo yung pera, pera mo yun and they have NO right to keep it from you.

      Be strong. Be firm. You will get your money back, as I did mine. Baka nga lang magkaputing buhok ka after. Or baka dumami puting buhok mo kung meron ka na. Pero at least mababawi mo pera mo.

      Good luck and let me know what happens, ok?

      1. @bambit,nung jan 5,,pumunta aq dun sa BDO tas sabi nila tawagan ko daw ung bangko q,,tinawagan q ung banko q,,sinabi q ung details nung mga pangyayare tas sabi nila they will file a report to investigate..tas wait daw aq ng 7-10 days..:(

        1. Naku Patrick, kahit 3 days pa lang, umpisahan mo na ang pangungulit kung may panahon ka. The more flak they get from you the earlier they will want you out of their hair, so mas madali nilang ibabalik ang pera mo. Basta, that style worked for me. Hope it works for you too — basta sana maibalik nila ang hard earned cash mo =) Good luck!

  12. Magwiwithdraw sana ako sa BDO. 500 pesos using my Metrobank card tapos after kong ilagay yung atm ko then nilagay ko na 500 yung iwiwithdraw ko and then nilagay ko pin ko. Sabi sa screen “Your transaction cannot be processed” (or something like that). So wala ako nakuha. Tapos when I tried to deposit sa other atm machine, napansin ko na nabawasan ng 511 (kasi 500 yung idedeposit ko dapat nung una + 11 na charge). Nadoble tuloy ako. Yung 500 na hindi ko naman nakuha tapos yung 500 na nawithdraw ko. Sayang din naman nung 500. Pera din yun . 🙁

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