Banco de Oro / BDO Unibank
Reviews and Complaints

MY problems start when I came in USA, last July 2020. I been communicating with them through email, but they didn't give right and correct service. I started emailing then March 15, 2021. My son is communicating with them one month after I arrive here in US. But until now the issue is not resolve. Last July 15, 2021, they said my US telephone number was already updated. But I can't still receive my OTP. So, I can't bank online. I have to call them through Tawag Pinas service via international call, per call is almost $5 up to $10, depending on length of communication. March 18, 19 24 25 I patiently communicating with me. First thing I did was to communicate my bank branch which was in Tubigon Bohol., but they said I have to call their CALL CENTER to fix my problem. they lock my account, the more I can bank online. Every time I am calling them, there arise an issue, wherein the only problem is OTP. Even they said my US number I left at the branch was fix, call center keeps on repeating, the problem is still the number. Then they asked my passport, and every call I made call ask me to provide different stuffs, they asked my signature, then said it didn't match, so asked my branch to email my signature specimen, then after another call, they said there is problem with my name. then they send me to my branch. Then my branch told me my other branch is still active? How come I closed such account and deposited all my money to my new branch. My branch gave me 3 phone number of my former branch in Manila. Gosh nobody answers and call center doesn't answer. So, I decided to call again next year. I got sick of almost sleepless since September because daughter who is sick needed money for her maintenance medicine... BDO how many of us, your depositor is giving us a hard time? I am in USA. I remember first time I communicate with you wants me to solve the problem personally? I hope you are in my situation, BDO PEOPLE. BDO SUCKS!

December 6, 2021

[protected]
I am currently out of the country and so i am trusting BDO online banking. However to my surprise when I checked my account now my money is gone! There was a record of transaction of paying 4, 357.60 and 219.87. Which I never made! This never happened to me before. Please return my money back! It's a big amount of money that I lost to something or someone I don't even know!

I have now been trying for 3 days to contact BDO bank and speak to an agent about an erroneous transaction. It is impossible. The web site chatbot is absolutely useless and only provide advertising information. All of the local and international contact centre numbers are never answered and just leave you in queue listening to adverts. I am at a total loss as I cannot contact anyone in the bank.

It happened just yesterday, it says that the transaction was delayed and try again after an hour. But the said amount has been deducted already. So i waited for the load but then nothing. And then i decided to try again. And was successful. Now while checking my BDO App. I saw that the first attempt was credited and deducted but I DID NOT receive any load.

I'm filing complaint against bdo puregold atm machine las piñas branch for undispensed cash it happened last oct 30, 2021 its been 6 days now but bdo still doesn't return my money back in my account I tried to follow up many times but they keep saying to wait and wait I still didn't get my money yet! How can I file a report or where can I file a report I want to expose them for the bad system! I thought our money is safe to them but its not different from stealing money from your account! So disappointed!

Hi,
I'm filing a complaint against BDO for an autodebit in September 28, 2021 that BDO can't trace. I have a home loan and they usually autodebit my monthly ammortizatio on the last day of the month. In October 1st I got an email reminding me of my
monthly payment which I already sent on Sept.27th. On my online banking account an autodebit of a total of around php28, 000 which are broken down into different amounts appeared. My dad visited the branch to inquire about the charges and been told that it's an autodebit from MRI and Fire Insurance, which I already paid in June. They forwarded my concern to the insurance team and insurance team can't confirm the autodebit in September. They only confirm my payment in June. Now the insurance team referred me back to the home loan team and another person from home loan team who doesn't read email thread had referred me back to Insurance team. It's an on going email from both team for more than a week now and there was no solution for a simple issue like this. Who is responsible in checking what is the autodebit all about in september? Nobody can see the autodebit?

Good day,
Nag open ako ng juniors savers account para sa baby ko, Nag bigay ng form yung teller pra mafill up yung documents. Nung binigay ko na sa kanya yung form may mali akong nailagay instead na sa akin, yung name ng anak ko nilagay ko. wala naman kasing instruction at hindi niya nilagyan ng check yung mga kelangan ma fill up. Nung may nakita syang mali, sinabi nya na mali sabay pinunit nya sa harap ko yung papel na nakikita ng ibang customer, sobrang nakakahiya yung ginawa nya sakin at masyado syang rude magsalita. Open account lang po transaction ko pero inabot ako ng halos 1 and half hour sa kanya. Pa alis alis sya sa upuan nya. Kung may attitude sya hindi sya bagay maging teller or mag work sa bdo. Ganan ba ugali ng mga matatagal na sa service, kaya na ipakita ugali nila kahit nakikita sila ng customer at mga co worker nila. Sana hindi ito maulit sa iba lalong lalo na sa mga customer na siguro mukhang purita sa paningin nila. Hindi ko nakuha name nya kasi sya lang ang walang id. sa BDO Pritil branch. new accounts sya at naka clip ng hair na may pearl.

My Husband sent money in USD since September 21, 2021 and until now I didn't received it. I went to several branches and some teller said it will take 3-5 days if its in dollar and will receive it in peso directly since my saving account is still kabayan. As per advice of bdo i need to call costumer service so that they can check it cause the reference number is not existing. And i did hoping it will be solve that day cause we have important and urgent to pay. This horrible thing that happens to us is merely wasting our time and effort. The costumer service said they were checking about malingering etc., where in the first place my husband is the sender and happens to be a foreign Doctor also not the first time that he sent such amount. This really made inconvinience to our part. Made us stress until now waiting for very slow action from BDO. It's 13 days passed and still no good feedback from BDO i hope that this kind of system of BDO will improve as you all know its apparently taking too much time to our part. We are thinking to transfer to another bank because of this. Really disappointing.

I have a home loan Ive been paying since 2018 under BDO.
Last June, they didnt debit from my account so I immediately reached out to customer service as I didnt want to avail for the Bayanihan Act that was recently offered as I had funds and didnt want to pay for the interest later on.
Ive called couple of times different departments and emailed them as well but got no response. Agents I was able to speak to told me someone will be in touch with me but no one called me.
Comes July, my account wasnt debited on the due date again so I added that to my multiple emails and the same happened in August.
I visited the 3 nearest branch as I am in Pampanga and they have told me to do just that, call and email.

Last Monday, September 20th I visited BDO Corporate Center and was refused entry as they have a no appointment no entry policy.
I went to the closest BDO branch and was assisted by the officers who patiently assisted me. It took about an hour before they were able to connect to someone who might be able to assist me but in the end, that person, who was part of the team handling my account, instructed to me email them. I was also told by the officers in that branch that it's been a common issue these days as they have clients who complained about the same thing.

On Thursday, I suddenly received a phonecall and email from a 3rd party that BDO has forwarded my account to them and that it was on default.

My prinicipal loan is 2.4M and the penalty is 1.2M plus charges of almost 500k! Ridiculous!

To think that it's not even my fault that they didnt debit from my account. It's on an autodebit arrangement!
They have been debiting until May and they tell me now that my account is PAST DUE. It's funded and I have been contacting them since June until now.

I visited my branch yesterday and today bringing all my printed emails (over 30 pages) as proof, officers spent over an hour on their internal lines and personal mobile phones trying to reach the contact person but TO NO AVAIL. I asked them what's the next step but the answer from June and now is the same, Email and try calling them.

We clients work so hard to make sure our accounts are funded for transactions to go smoothly. Especially in times like this, having a job and being able to pay bills is tough. We overwork ourselves, and yet incidents like this happen which is not our fault but it causes us to stress, anxiety, restlessness and fear that what we might lose what we have been paying for.

As the other post said, everybody in BDO keeps pointing fingers.
I hope that you will be able to help me and the others.

We have two loans with BDO at Legarda, Baguio City.

One is a collateral loan and the other is a home loan.

We did not receive any notice that the collateral loan is due and payable in its entirety. They also held my home loan.

It took almost three months before they sent me a statement of my collateral loan and I have to pay for the accumulated charges amounting to over PHP60000. At the same time, I have the burden to pay the two months of charges that they held on my home loan.

I had religiously paid and now they have not released my title for the collateral loan. And again they have not taken out the payment from my account. I was charged additional penalty of over PHP2000.

We have tried all communications. The BDO headquarters will not return our calls or answer our emails. What is worst is that they point fingers who is in charge of my account.

Mr. Arthur Tamayo and Ms Leine Decastro of the main office are supposed to be helping us out. These incidents started in June and up to now, we are given the run around which is causing me penalties to no fault of mine.

Please help me resolve this matter. With the pandemic, my stress level with BDO has cost me a lot and my health is also affected.

Thank you for your kind consideration on this matter.

TO Repected BDO HEADS,
I am writing a letter because my finacial adviser ms. Mary grace sampan, bdo life recruiter has been ignoring my inquiries, and ignored my requests. I have decided to join bdo life plan 2 years ago but because of covid I got laid off from my work abroad and sent back to philippines. Due to this delima, I asked ms sampan to convert my bdo life to regular account which she mentioned possible during the time she was orienting be and be a part of bdo life. Later, she denied the things she told me when she was still recruiting me, like there are no penalties, possibility to convert the bdo life to ordinary savings account when the payor could not continue. Some things I asked and I was convinced with her sweet barren talks. I felt that only recruiting is the important thing for her and she has no desire to be a financial adviser to the client. I filled up forms and received the plan policy after. I did not sign auto transfer debit and after I also informed her that I got laid off so I could not continue the plan. I told her that months before my due. I have been writing her through email but now she has totally ignored my emails. I have not received any email last year and the auto transfer debit was done without prior notice even if I told her about my situation before my due date. I even phoned her using a landline. She was not even sure about the auto transfer debit when I asked her. I already told her my situation at that time but didnot even bother to give options. As a financial adviser, I tried to seek assistance from her since BDO is advertised and known for security, convenience and great services. It has been more than a year but she is not helping at all. This year I received a letter on how to pay over the counter or other banks which it could have been done last year without the auto debit transfer, my family received the letter in september but my due was months before that, june.
I am very very disappointed to the service of ms. Mary grace sampan, bdo financial adviser of sta. Lucia mall.
Bdo life is a good investment and security but the service of my finacial adviser is unsatisfactory.
Could you please refer me to another person who could show convenience, security and the real bdo services.
Thank you for attending to this matter! I hope that bdo will still uphold security, convenience and great services.

Hi,
Please be informed that your ATM machine located at Meycauayan mcarthur High way or your Meycauayan branch has been offline since 8am up to now 11:33am. Everytime I make an ATM withdrawal, these 2 atm machines are always offline.

I have an unauthorized transactions around ₱30000+ on my 2 accounts with them happened 04/18/2021 and until now its not yet been resolved. I have a case number and tbey are telling me that i cant get back my money and thus is actually the savings of my daughter. I have trusted the bank but look what Ive received from them. People handling my case are not cooperative and helpful at all was rude and keep on telling that i will not receive my money back.

I made a transaction on the 23rd of July this year; loaded my phone for 500php. The amount was immediately deducted from my account. Upon sending my load request, a pop up message appeared saying there would be an hour delay. I waited, but then I haven't received the load within 24 hrs. Checked my balance and 500php was deducted. However the transaction is unsuccessful. It's the 27th of July now but the money has not returned into my account.

I made a reload yesterday but its unsuccessful until now and the amount already deducted from my balance.
Kindly for your actions.

I have reloaded ₱100 prepaid load using your mobile app and when I thought I was gonna receive it, I didn't. I checked the status on Immediate category and found out it was unsuccessful but it DEDUCTED THE AMOUNT ON MY ACCOUNT. I TRIED RELOADING AGAIN BUT IT DEDUCTED THE SAME AMOUNT OF MONEY IN MY ACCOUNT AGAIN WITH NO NOTICE. NOTHING. Now I'm just a lowly office worker and ₱200 is a LOT for me.

I bought a load through BDO mobile App. It was deducted to my balance and never comes back to my balance, the load didn't came even after several hours.
Please fix your system.

My prepaid load status was unsuccessful yet it was deducted from my savings! Can you please fix that? Thanks!

Writing this regarding my issue that is taking a whole year and counting,
Last year April 18 2020 I saw fraudulent transactions on my credit card dated March 19 2020, this are all from shoppee amounting to 64, 000, I was shocked because no one contacted me about this and I haven't given a single permission to anyone, I contacted BDO immediately and filed a report and they have advised me to file a dispute which I did on the very same day (April 18 2020)

I received a follow up mail on May 8 regarding my dispute and informed me that it will take 120 banking days for a resolution, I do understand that major regions and cities are at lockdown at that time but I was quite surprise when we visited our local bank on June the report that I filed on april are not processed and so I filed for yet another dispute form which they said will take another 60 days and notified me that I will receive an email once investigations are done, 60 days and I still haven't received anything so I visited the bank twice on months of Sep-Dec but said that no one on the credits/investigators department followed up the matter,

it was frustrating because they told me that it was ok for me not to pay for transactions and so I did, I only payed for what is mine, but as months go by with no response and nothings resolved, finance charges and interest are stacking up until it blew up to 90, 000 within that months, and so I checked up on our local banks yet again yesterday (July 22 2021) only to my disappointment that they found out that investigations states that all transactions are valid due to OTP, I don't know how because I didn't received any OTP requests on my end, and so i didn't gave any permission to anything, the local bank are still coordinating with the investigators and filed for a fraud im not sure but they are still coordinating with the investigator which will take how many months more,

I'm just losing hope and trust on this case and on this bank, the slow process is taking a toll on my credits due to finance charges and Its sad that the customers are dealing with all the repercussions.

BDO Officials,

I am writing to you regarding my dad's car loan that has an auto debit payment. To our surprise, the auto debit was turned off when he requested to pay it off a year in advance. This has been 2 months and we have not resolved this issue. To top it of, someone from re-paw/legal department showed up to take the car when we are just trying to pay it off a year in advance. The loan is under Adolfo Enriquez. When we call, no one can give us any smart answer. So to the officials, please resolve this asap.

On behalf of my dad.

Jasmin Enriquez