Banco de Oro / BDO Unibank
Reviews and Complaints

BDO Customer Service is the worst. I had a failed online transaction on 13 September 2018 with my BDO credit card and all I wanted to know was whether I was charged with the amount of my failed transaction. I tried calling the hotline and they asked ALL needed information to verify my identity. It took them a good 5 minutes in trying to input my information, only to tell me that they cannot process my request since I have 1 mismatched information (the mismatched information was the company where I am affiliated because I transferred jobs. I think this is a minor detail only since all my other information were correct i.e., my present address, my cellphone number, name and birthday). I went to the nearest BDO branch to ask for help (imagine, this was a weekday during office hours! I had to go out just because the customer service refused to help me). The tellers there were helpful (no sarcasm here), and the one who attended to my concern even took the initiative to call the customer service. Still, the customer service support took a good 15 minutes to process my request, considering I was already being assisted by a BDO teller and all I needed to know was whether I was charged during my failed online transaction. The BDO teller was already even vouching for my identity! The customer service kept on putting me on hold for 2 minutes. This was such a disappointment!

September 10th at 3 pm I decided to check my account via online app, only to find out that my money was deducted without my knowledge. I checked the transaction history found out that LAZADA has withdrawn money twice and it wasn't me nor any of my family member made the particular order, never did I ever ordered in that website as well! I went to the bank right away and the only thing they did was call manila hotline and made me file a dispute complaint. And even then the guy on phone I was talking to just asked me for details and told me cynically to wait for 30 banking days! and that's all they can do! I just [censored]ing lost my money and that's y'all can do! Screw your "BDO WE FIND WAYS! [censored] !

Rembrant Bldg. Lakefront Boardwalk, Presidio, Lakefront, Sucat, Muntinlupa ATM is having the best time of its life(sarcasm), I know we can't control when will the machine have its own life and eat as much money as it want, like how that machine took my money away and work perfectly fine afterwards like nothing happened, what I'm so upset and dissapointed was I didn't saw a hotline number when I'm so shocked about what's happening, me freaking out what to do, don't know who to look for when that happened, and to added from my dissapointment the, guard in the place doesn't even have directory I could call from, when I thought that was it, to add up another one, they already know that the machine was [censored]ed up and they didn't even bother about putting a piece of paper, or freaking sign that the machine is not functioning well, now I have to wait for 5 freaking day to get what? MY OWN MONEY! THANKS BDO BEST EXPERIENCE EVEEEEEEEER! Can't even tagged the video I too cuz I'm getting an error, (clap) (clap) (clap) way to go!

Someone used my identity to get a BDO Visa credit card. Nagtext po skn ang bdo n pwd q n dw kunin un through LBC. Nagulat po aq kc hndi nmn aq kmuha ng credit card s bdo. Pag meron pong nagclaim Jan gamit ang tracking number na to [protected], please wg niu ibigay dahil hndi aq un...ginamit nia lng po ang details q under my name, kng cno mn xa, I'll file a case against to him/her po... just let me know and please contact me with this number [protected]. Hope u can help me with this issue.

Date of Transaction: 20 August 2018
Teller ID: 502
Deposit Reference Numbers: 135, 137, 139
Transaction Type: Cash Deposit
Place of Transaction: BDO Legarda Branch

Hello BDO! Good day!

I am writing to forward a complaint against a bank teller of BDO Legarda Branch. At about 12:30noon of 20 August 2018 (Monday), I completed three transactions with BDO. During the process, I committed a mistake by writing down in the "denomination" portion the break down of the exact payment to the account holder and not the cash payment to be given to the teller. For example, the cash deposit was 289 and my cash on hand was 500; the "denomination" must contain 500 and the "total amount" should reflect 289 pesos.

When the teller saw the three cash deposit slips bearing the break down of cash payments I mistakenly made, she told me that it was wrongly done. So I told her, "icorrect ko nalang tapos pirmahan ko. paano ba?"

She asked me if I was always transacting with the three account holders. When she first asked, I did not specifically hear the question. So I answered "no kasi sellers sila." Then she said quite arrogantly, "tinatanong ko lang naman kung palagi kang nagtatransact sa kanila! Next time nalang. Dapat kung anong pera mo dito mo dapat ilagay (pointing to the denomination portion)."

I was just caught off guard with her reaction. First, when she saw the deposit slip, she was already frowning. Second, when I asked how to do it, she said "next time nalang." And lastly, she responded quite arrogantly.

I will not let this pass because what if I was a senior citizen who did not know the nitty-gritty of a cash deposit slip, would her reaction be the same?

As a frontline teller, she must address the concerns of customers with all sincerity and politeness. She must assist customers with diligence and good manners no matter how bad her day is going. Her job is, after all, customer service.

I have a complaint about one of your employees named Christian Carpio. we are OFWs therefore it is crucial to always be clear, either in email or call. But communication with this guy was not pleasant at all. It was very hard to contact him through calling. Only under so many request by not only me but also my partner, did he finally give his contact to us. And when finally met face to face. He seemed uninterested and distracted when we are talking. He did not make any eye contact. Very unprofessional. Not to mention, he sends out documents forms that we need to submit last minute. Not only this, He sent out the wrong documents causing us to red ribbon and express mail out the documents the second time and costing us another 3000php to do it. Please speak to this individual. Thank you. Let this not happen to anyone else in the future.

To whom it may concern,

I would.like to raise a concern and awareness about a misbehavior of one of your employee assigned in Golden field Bacolod city negros occidental. About 9:00am mla time that I managed to proceed to your branch in goldenfield whivh isby far the nearest from our office to withdraw few amount left in my atm card. I was lining up after the last one on the machine when approached by your employee that i can no longer withdraw as they are to load the machine.i asked if i can be the last since im the only 1 on queue left.she said she can no longer wait and need to load the machine. I even proactively asked for consideration but to my surprise she throw a not so polite look at me and hurriedly move to the atm machine and did her thing. While she is at the machine, she offered that I can make an over the counter withdrawal but i yold her that im not the account holder. BDO, i think you employee dont really live by your principle of WE FIND WAYS. :(

There is an unathorize withdrawal in our BDO Account ( Acc. No. [protected]) 20, 000.00 Pesos.
My wife noticed it on July 25, 2018. She raised a complain in our bank branch ( BDO, Gen. Luna Branch, Iloilo City Philippines) on Jul 26, 2018.
The staff told her that we will be notified after 15 days after they checked that there is a withdrawal on July 9, 2018 at 12:46 and 12:47 mid night in One Network ATM both located in airport road, Sta Barbara, Iloilo, Philippines.
Today, August 8, 2018 BDO Iloilo call my wife and ask her to go to their office, just to say that there is an actual withdrawal and they will comeback to us after another 15 days after there further investigation in Manila.
I feel very disappointed by this bank action. What we need is to return our money. What I am expecting is to show us the actual cctv footages if there is an actual withdrawal happen.
Actually I heard a lot of cases like ours starting mid of 2017 for BDO unauthorize witdrawal but we keep our eyes blind until our time comes. We are hoping to get back our 20, 000.00 pesos although a small amount for others but for us is so much.
Thanks.

Hello i just want to know kung hanggang saan ang kaalaman ng mga empleyado ng bdo about s information n binibigay nila sa mga client, ganito po kasi yun i'm an ofw at nasa labas ako ng bansa ngayon but before i left i asked the teller from bdo salawag Dasmarinas cavite branch kung ano kailangan ko gawin para makapag withdraw mother ko s Dollar account ko since mawawala nga ako sa bansa for 6 months and then she answered me na free sign withdrawal slip lang ang kailangan and then i asked again and as far as i remembered 3 times pko ngtanong to make sure dun pa lang kasi lam ko na medyo masungit yung teller but i didn't ask her name since marunong naman ako magpasensya so ngayon eto na problema kailangan n ng mother ko mgwithdraw dahil pambayad kp sa bahay pambili nya ng gamot at pambili ng gatas ng anak ko nakiusap na xa dun pero kelangan daw ng pasbook so hindi naman ako tanga para dalhin ko passbook ko kung sinabi ng teller na kailangan pala yun kaya ang iniwan ko lang is yung withsrawal slip n m sign ko at authorization letter at pati id ko tinawagan ndin ako ng mami ko thru facebook nung andun na siya sa bangko pero sad to say di nila ako kinakausap nh maayos halos iwas sila sa akin kaya nainis ako kasi dman lng nila napagbgyan mother ko since kailngan ng pera as an ofw eto ang isa sa mga hinanakit namin s bangko ng bdo d sila marunong mag consider even if may mga supporting documents naman at nkausap n mismo ang ofw client, i want some actions but im not telling n m fired sila sana lang matuto silang magpaliwanag ng ayos s client hindi ung mgsusuplada tas mali mali namn pala sinabi maraming salamat po hindi ako maglalakas loob magsabi ng ganito kung d ako sure sa mga sinasabi ko salamat po sana mas bigyan nyo ng consideration mga ofw n katulad ko lalo na at malayo sa pamilya dahil ngpapakahirap kami dito para s knila

tried to load 100 pesos from my savings account using BDO mobile app. it says unsuccessful. so i tried to do it again. failed again. i checked my account balance and 200 pesos was deducted from it. but nothing was loaded/transferred to my mobile number. its just 200 pesos. but its still my 200 pesos. and it was gone.

this was yesterday august 1, 2018.

please return it to my savings account.

Nag withdraw po ako sa malaysia am Bank Hindi po nalabas ang pera pero nabawasan po ang balance ng bdo acct ko kaya pinuntahan ko po agad ang ambank counter at nag complain Tas pinag complain din po nila ako sa bdo bank sa pinas, October 2017 pa po isang buwan palang po naibalik npo ng ambank ang pera pero BDO po hindi parin po, san po ba ako pwede mag complain

Complaint against BDO Diners Club International credit card for insisting me to pay annual membership fee by using delaying tactic. Let me elaborate:
1. Sometime on March 2018, received the monthly statement with 3000.00 membership fee plus monthly utility charges of Meralco and it was settled on April 1, 2018 on ADA (Auto Debit Arrangement)
2. April 29, 2018 at around 12:40pm, I called up the BDO customer contact center, requesting for the reversal of my annual membership fee, which I used to do even during the time Diners Club International credit card was under Security Bank and also BDO time. I was told my request will be processed and wait for my text statement that will take effect.
3. After I noticed that my 2 statements were without reversal of membership fee. On June 3, 2018, 9:15AM. Called BDO, I was informed that there was no feedback yet from the approving department regarding my request. I said if they have difficulty to process my request for the reversal of membership fee. I would like to terminate my credit card. So the party told me to wait for a week and call back.
4. June 12, 2018, 5:16PM, I was told that my request was disapproved, so if that the case, I was going to terminate my credit card right away. I was convinced by the BDO agent with his sincere gesture, that he will make a reconsideration for my request, and advised to call back after a week for the result.
5. June 18, 2018, 10:30PM. I was told no result yet with my request, so I insisted to terminate my credit card, was answered to wait for another week.
6. June 24, 2018, 9:14AM, I received a text from BDO card service that my request was not approved and have to settle the charge ASAP. In fact it was already paid last April 1, 2018.
7. On the same day, June 24, 2018, I called BDO, was told by BDO only approved a 50% membership fee, I refused to accept the approval and agreed I will to terminate my credit card after July 2, 2018 for the ADA due date. Because I don't like to be charged either of interest or overpayment.
8. July 14, 2018, 8:47AM, received BDO text not approved and to settle ASAP.
9. July 16, 2018, 11:30AM, Called BDO, informing that I will terminate my credit card and settle my obligation on/or before due date on August 2, 2018 without the 50% Membership fee. At first the BDO agent still insisted I have to pay the 50% of membership fee, when I informed him that I will file the grievance with the proper government authority, then he told me to wait for twice of 2 minutes and come back saying they agreed to waive the 50% membership fee.

I would like to make this complaint in record, maybe they will still charge me not paying the remaining balance which is 1500.00 or the 50% membership fee plus interest. As you can see from March to July BDO initiated the delaying tactic, that it looks like I am using the credit card for half year. For me BDO slogan "We find ways …" should be more precise for slogan to read "We find ways to manipulate and cheat our clients ".

Credit Card: BDO Diners Club International Credit Card [protected]

I want to report Ms. Divina Rose Miña whos is working at ur company at Ortigas. She has a rude personality. Bad mouth and treat people with no respect. Is this how you treat people? Please remove that woman in ur company. She does not deserve to be in that position. She has a bad attitude. Kick her out or people may know ur junk system in treating people. Hoping for you to take action on this complaint.

I went to bdo sm urdaneta branch to inquire about installment card.i was assisted by REGIE or REGGIE i did not catch her name clearly.she asked information regarding my concern.we had some misunderstanding because i dont know how to answer her questions due to her rudeness and im really frustrated because she and her fellow personnel are gigling infront of me clearly insulting me..this is really the height of unprofessionalism..so frustrating i hope u take action with this kinds of personnel you have

It was almost two months ago when I tried to register my online account because I am OFW. I regularly kept on following up the customer service. They just kept saying sorry for the inconvenience and delay. And after waiting too long the customer service emailed me that my online account enrollment was removed and I needed to start a fresh registration again? Then I will again for more than one month?

Please revisit the quality of your customer service because it is very very poor and unsatisfactory.

Waiting forever and will eats up 30mins to 1 hour time just to get to talk to a customer services representative. Why they cannot even hire more staffs?
After 30mins of calling to the first person, they will connect you to the second and to the next for more few mins and before you get a clear answer to your query you are out of balance.
If you happen to lock out your password then they will tell that they cannot help but you to reset if yourself. But nowadays I couldn't for I only use internet banking not the phone banking! They only require an OTP from the phone banking. If you press the request for an OTP via sms, the website freezes very nicely. Have done quite a few times still fails.

Not happy at all!

My online account was locked because I forgot my password and so I tried to reset it. The problem is I moved to usa last year and I changed my phone number since then so I couldn't have the otp. So I called bdo customer center to update my phone number instead. I gave all the verification they need except the last phone number I registered to the online banking. I couldn't really remember so I ask if there's another way for me to verify that it is my account. I gave a lot of phone number that was used before but still they won't accept it, and insisted me to tell them the last phone number registered! Do they mean I will never be able to use my online account again if I didn't provide the number?! I called 3x with nothing done. Kept telling me that they will call me back after 3-5working days but 1wk passed still no call from them yet.

I have been doing transaction with different bdo branches but this branch in Antipolo ML Quezon is worst. You have to fall in line for hours just to claim your new atm card. They do not have number queues. The first time I came here I waited an hour before they finish a transaction and I get served. What is wrong with this branch? They dont have enough staff to man the new accounts section?

I just want to file a complain againts to BDO Branch Office Located at G/F Robinson's PCI Banck Tower, ADB Avenue, Ortigas Center, 1600 Pasig Metro Manila regarding on my BDO Cashcard Application which i applied last May 02, 2018, for the easiest transaction between me and my sister(allowance purposes transaction), we already submitted the necessary requirements which is the Valid ID of my sister for Clearing of Card. We made a follow up many times and requested to make it prioritize. They advise that the process or ETR for the Clearing of Card is only 24 hrs, but until now the Cashcard is not yet active. It almost 2 months and still we cant use the Cashcard.Today i visit thier branch and made a follow up again but still no upadte and they advise to monitor again for 24 hrs, we need it badly.

Hoping for your swift update for my request, .

Hi there,

No need for me to get into details as it is very staright forward.

How hard it is to make a follow up from this department? I sent an email 2 weeks ago and made a non stop follow up but no one even bothered to get back to me and give me some update.

Too fast when sending reminders regarding penalties but too slow when giving updates.

What is going on with your so called customer service?!?