Banco de Oro / BDO Unibank
Reviews and Complaints

June 9, 2019 nakuhanan ako ng 50, 100 sa account ko sa BDO. Pagkareceive na pagkareceive ko ng email tumawag ako kaagad sa BDO para maireverse ang pera ko kasi hindi naman ako ang gumawa ng transaction na iyon. Sabi ng customer care representative ninyo, hindi na pwedeng ireverse kaya pinalock ko ba ang account ko para hindi na makuhanan pa. June 14, 2019 kumuha ako ng Statement of Account ko, nakita ko natransact ang pera June 10, 2019. Sana nagawan po ninyo ng paraan para hindi po nagawang makuha ang pera ko kasi naitawag ko naman agad eh. Sana kayo niyong maprotektahan at maipaglaban customer ninyo. Ngayong araw nakatanggap ako ng email galing sa inyo na hindi valid for reimbursement ang case ko, tanong ko lang sa inyo ganun na lang iyon? Anong klaseng imbestigasyon ang ginawa po ninyo, iyon ba ay para lang sa inyo kung magbabalik kayo ng pera or hindi? Sana man lang maiparamdam ninyo na kami ang customer ninyo. Sana naman mag file kayo ng complaint sa NBI kasi cybercrime ang nangyari. Ano ganun na lang, ni hindi niyo man lang masabi kung kanino ang metrobank account na nakakuha ng pera ko? Hindi man lang ninyo ipaimbestiga para mahuli na ang gumagawa ng ganoong modus? Hindi man lang ninyo magawang linisin ang pangalan ninyo? Ganun ba kaimportante yang mga masasamang tao na yan kaya hindi ninyo kayang maireport at mahuli? Katarungan naman para sa amin na nawalan ng pera.

I went to BDO Banilad branch today June 3, 2019 where I originally open my account . The teller assisted me pero i feel na para akong nainsulto as she called me sir after niya ako hiningan ng ID . It was very obvious nman cguro na I wanted to be address as ma'am coz even na hindi ako tunay na babae but i act and presented myself as one. Mahaba ang buhok ko, nka short ako ng maiski, nka mani and pedicure ako nka clutch bag ako at higit sa lahat my dibdib na ako. Hindi ko siya pinahiya sa harap ng maring tao coz my respeto pa ako sa sarili ko pero para siyang tanga na hindi nkafeel or nkagets na na offend na ako tinaasan ko ma siya ng kilay pero wala parin. No wonder why Hindi tayo umaasenso dahil marami parin ang tanga sa mundo may pinag aralan nga pero daig pa ang walang pinag aralan at I believe that this is even stated to the BDO's conde of conduct and business ethics under responsibilities dor the workplace section A employee's practices . I demand an apology from the branch itself as it made me feel discriminated.

May 31, 2019
I was transacting with a beautiful female BDO teller for various deposits also asking for assistance because there would be a difference if there are charges for certain BDO accounts. She didn't easily understand the instruction I am telling but she still assisted me well but another female teller with big eyes who seems to be a superior to the teller I am transacting with complained in a serious tone and annoyed face saying, " Your transaction is already inter-branch yet you're even disturbing us(Inter-branch na nga yung transaction mo, ginugulo mo pa kami)."
She should not be in the front-line facing customers if she don't want to be disturbed or face confused conversations with customers. I have never encountered bank tellers like that on any other. BDO bank tellers seems to be the worst, we would like to avoid transacting with them as much as possible. We have multiple accounts with BDO because they have the most number branches but the staff are disgusting.
Resolution- BDO tellers should know better on how to respect customers and how to avoid being rude to customers.

My credit card was approved March but until now I haven't received any, it's been two long months now. Customer service officers I have talked with have different updates. The delivery was not efficient. The customer service officers were also not knowledgeable on what to say or do or the process itself. My concern is where is my credit card? What to do next? BDO must do something about this because it's alarming and frustrating. BDO is a big company in the banking industry in the Philippines, how come their employees are inefficient l? Processes was improperly managed. Why did they approved me when they can't give me what they've offer. This is a big disappointment! BDO, can you do something about it? Or you just continue with your false ad! "We find ways?" Really? Just a simple delivery you can't do?

Nag iwan ung sister ko ng 1300php sa BDO atm nya from her salary... Then nung iwi withdraw na nya, 500php na lang yung natira and she found out na yung culprit eh gumawa ng online transaction via paymaya.. Odiba ung magnanakaw ang sosyal.. Then she made a complaint thru customer service and pina fill out sya ng dispute complain and have to wait for a month.. OMG ang laking abala nyan sakanya para pumunta pa ng MOA since doon ginawa ung account nya.. Hindi kaya sa loob din ung pagnanakaw na nangyare na yan? Sana matigil na yang pang gagago na yan pls lang..

Was told by account officer

JANE ERICA LIM
Account Officer
BDO Home Loan - Online Sales Channel
Tel no. 840-7000 local 41705

that the online home loan processing will only take 5 to 10 days.
Upon completion of all required documents and paying appraisal fee amounting to PHP4, 000 never heard from Ms. LIM anymore, tried calling her several times and emailing her heaps of times, no response. The property still hasnt been appraised after 2 months and no update about my home loan. Is this a SCAM?
Not a very happy customer! Would complain further if no action done from the board.

Dumating ako sa Bdo sandoval branch about 4:15 p m . . dto ko pumunta knowing na malpit sa bahy nmin at mppbilis transaction ko. 1 deposit cash lang transaction ko pero inabot ako ng 1 ORAS sa pag aantay., nakalabas ako ng branch nila ng 5:15 pm. diba cash lang isang oras na.,
ang complaints ko, una nkkadisapoint walang cash deposit machine., dapat mag deposit den ako sa account sa province since wala sila cash machine di ko na nadeposit, sa account ko nlan sa pasig ko dineposit, kase iccharge p nila ko ng 50 knowing n dapat may consideration sila dahil branch nila may problem wala sila cash deposit machine, at sabe p ng teller i ccharge tlga.

At thumbs down sa manager nio., scenario neto ., nagtawag si low counter ng single transaction daw., e nasa dulo ko ng pila lalapit sana ko. nun pala isa lng dpat na tao ung andon pipila sana ko pgktpos nung tinwag kse wla nmn lumlpit dko nmn alam n isa lng tnwag nya., nahuli ko makatingin ung manager ng npksma., na pra bang client ako n nanlalamang., nkkdisapoint lang kse db dpat may simpatya sya sken kse unang una client pa ren ako ng bdo. matagal nko nag antay sa tagal ng service nio tas ganun pa attitude ng manager. hayyy nkkdisapoint ang branch nio., okay lang sken mg antay mtynggap ko un kso nbuset ako sa manger nio., wala cyang sense ng customer care / service.,
Siya yung manager na nakaupo sa dulo ng customer service / low counter., hinde yung sa operation ., nasa low counter cya ng time na 4:15 ng pumasok ako., unang cubicle ng branch.,

My Late Aunt Julia Bacena died last November, 2018. We the legal heirs are in the process of withdrawing my late Aunts remaining account in the Branch. We followed all the requirements with your banks policy as what she showed us. We have with us our legal representaion but she keeps making up new laws and rules. We the heirs and our legal representation would like to speak to your legal department directly instead of Terri Castillo due to a Conflict of Interest but she won't allow it. If this matter will not be resolve we will forward this complain against her and the Branch to Bangko Sentral ng Pilipinas. We take business seriously we want to be treated professionally not a run around tratment and tactics by her.
Bank Acct No. [protected]

Poor service in the insurance, in this matter, already email the bso insurance regarding of my insurance in home loan., I told them that I will not continue my insurance with your bank, all I need is to sign this collateral form. Of assignment of account officer so that my insurance (fwd) will provide the endorsement letter under the name of bdo for my home loan. They always response is I will bring this concern to our officer thats all.. I'd email them 1st week of the month with the attachment of this letter and my policy number receipt.. Someone called me yesterday, she insisted that im not allowed to get other insurance unless I paid the total amount of my my mri for 15 yrs? How come? And she told me that my insurance will be expire so I told her I already submit the documents, and I am waiting so long for the signature I need.. As far as im concern I ask do branches and they told me that I can get any insurance as long as it is life insurance, the bdo need to certify only the documents. How long I will wait for the signature?

Please assist me with regars of this matter. Thank u

Manilyn aguilar
[protected]

I just want to make an inquiry regarding the bank closing time. I recently requested my nephew to make deposits on my behalf because i went out of town for some business. The closing time at bdo-citimall pavia branch is 6pm. My nephew arrived at 544 pm and there were still five clients inside some of whom were still preparing their money to be deposited. As for my nephew, he already had his deposit slip ready and was waiting for his turn. The tellers and the officers there were like panicking and were in too much hurry. They were telling those still preparing to prepare faster because the system might not accept their transactions. some of the depositors were apologising and was like asking to just wait for them as there are still other clients being processed anyway. They kept on saying that all of them should make our transaction early so that they could also go home early. They said to have pity on them because they did not want to do overtime "maluoy man kamo kanamon para early man kami kauli" was their exact words. Meanwhile when it was already my nephew's turn, the teller and especially the officer kept on telling him that he should make his deposit early as he has several bundles of small bills since it was already past 6pm and they are still counting his money. The officer, named Rhea told him that he should be early. She said that at 6pm they are already closing transactions and that the system might not accept the deposits beyond 6. they kept on shouting that they still have cash left. Rhea showed that she was pissed at my nephew saying that big deposits should be done early. Also they would not accept crumpled old bills and torn bills. because it would be charged to the teller processing the transaction. she said that we just have to replace the torn bills to Central Bank (the same bill was eventually deposited to SM City Iloilo branch and was accepted without any word from the teller).

I was just wondering why they are like that to the customers. not just to my nephew but to the others as well. Shouldnt they just put 530 as their closing time so that they already finish all transactions by 6pm. the closing time is confusing. Other branches are not like that. I commend the tellers in SM City Iloilo because they are so pleasant and even if youre the last customer with big deposits, you would not hear a single complaint from them. Also, why did BDO- SM City Iloilo accepted the torn and old bill while BDO Citimall Pavia told my nephew to just change it to Central Bank? I think they are so rude to customers. Or maybe because my account is not with them. My account is in BDO Ledesma for almost 20 yrs.

Date of Incident: Jan 12, 2019 and Jan 16, 2018

Client number: +[protected]

Description of the Incident: I enrolled BDO online account last Jan 3, 2019, after verification it was approved on Jan 10, 2019. I tried to login but I cannot login, I called BDO to ask why I still cannot login even I received an email that my account was created already. The agent told me the only way to get my access is to re-enroll, and he told me in order to do that, they need to delete my account and I said I don't want to delete my account and then I hung-up. After the call, I validated that my account was able to login to BDO app already. I thought everything is ok until Jan 12, I noticed my account cannot login to BDO app, I called BDO again and the agent confirmed it was deleted last Jan 10, 2019. They want me to re-enroll again. Jan14, I submitted another enrollment form, I missed the call from the agent so I called today Jan 16, but the agent named Norman Tezon is very rude. He is requiring me the latest transactions on my account, I told him that I am re-enrolling because they deleted my account in the first place, I don't have the latest transaction because I don't access to my account right now. I asked him also if he can call me back after an hour so I can ask the co-owner of the my account to pull-out the records for me but he is refusing a call back. I called BDO number from Singapore, I hope you know how expensive it is. Why your agent cannot provide a call back when your customer is requesting one?

I am complaining Alyssa Cabuang branch cash and carry makati.
I am wife of alyssa's boyfriend and im married with 2 kids Im already explaining this to the Manager named Ms Path and shes promised she will do and talk to hr but as of now nothing happened..
Ms Path told that she will not tolerete her bad attitude..Alyssa is the reason why my kids have no father and she is a mistress and i have an evidence..Anyone help me pls to fired her..Or anyone to talk about this?
Thank you...Pls email me [protected]@gmail.com
Thank you

Collections department debited my savings account due to the defaulted car loan amortization of my wife. This had occurred last November 2018, but was resolved by the energetic Rodel Diansen. He asked me to make a letter so that my account will no longer be attached to loan account of my ex-wife, but i am surprised why this occurred again. I called up collections department today and a lady employee answered me and as a usual procedure, i will be verified regarding my personal data regarding my personal account. However, this lady employee verified with the personal data of my ex-wife which i supposed went beyond what was right. She can't do verify with me the loan details of that person because in the first instance, i didn't have any idea regarding the loan being availed the reason why i am complaining against this unauthorized debiting. Show me any documents that i signed during the time when the loan was availed and i will NO LONGER COMPLAIN. If you can't present any, then do the same thing what you did last November 2018, to CREDIT BACK said amount to my savings account.

Hi. I have used your mobile application to load 2 different phone numbers. None of the P40 and P60 load was received and the amount has already been deducted from my account. It showed a 1hr delay prompt or to try again. But this has taken too long and i would not want to try again because the same instance might occur again! Pls address this. U guys are impossible! Your "customer service" is also difficult for us to reach out to. Pls have a chat support maybe. Please address this!

Been trying to enroll my newly opened ATM account to my existing online web account where I have my credit card enrolled. ATM activation was done 9/24/2018 12:49, said you may access the account after an hour. But even after days do enrollment happened. Called up call center got the wait and see what will happen routine from call agents. first case [protected], follow up new case [protected], somebody from BDO called me up and verified account details promise to complete within 3 days, still no enrollment after a week. I decided to send email, and got the same response gave me a new case [protected] on Oct 26 with promise to respond on or before Nov 7, no response on Nov. 8, bringing me to below email, promise to respond by Dec. 26! for a simple online service enrollment! I need to know where I can take this further

On Thursday, November 8, 2018, 4:08:14 PM GMT+8, CALLCENTER wrote:

Dear Mr. Zuniga:

Thank you for referring this matter to us.

We regret the inconvenience this may have caused you.

As checked, our Fulfillment Unit Team will still require further
investigation for this case.

For your reference the new case ID is [protected].

Feedback will be provided on or before 26 December 2018.

Rest assured that feedback will be provided once available.

Thank you and good day.

Frances Suarez
eServices Unit
BDO Customer Contact Center

This is a complain for BDO San Carlos City and Urdaneta (SM)

San Carlos City: sobrang bagal ng mga teller kaya sobrang haba ng pila. Nakakaaksaya ng oras. Sobrang lamig pero wala naman enough na upuan para sa haba ng pila. Mataray at mukhang hindi pa service oriented yung manager nila. Ang ineentertain niya lang yung mga mayayaman, kilalang tao at may dollar accounts. Lagi pa siyang nakasimangot.

SM Urdaneta: pagpasok maliban sa mahaba ang pila, SOBRANG INIT. antagal din ng usad ng pila. Maraming tellers sa counter. Around 4-5 siguro pero ang para sa cash deposit 2 lang. Nakakalungkot. May upuan po sa pila pero hindi enough. And mainit :(
Nakakasayang din ng oras. Magdedeposit lang ako ng 2500 na may service charge pero inabot ako ng isang oras mahigit.

I'm opening an account here in SM Aura Taguig BDO, around 1:25pm my number is called on counter 12. That personnel forced me to have a proof of billing while my other officemate had open his account too only providing 2 valid ids(residency of laguna) and filled up form. I am a residence in quezon province, and we have a present address here in makati city. The biilings are not in our name. Then why my other officemate accepted his application? He already have an ATM account. BDO is finding ways for me to hardly save. Please standardize your requirements.

I am Dr Helen Yambao, Senior Citizen, with multiple accounts (savings and investment) at BDO Cherry Foodarama Branch. This afternoon of October 12, 2018, my husband and and my son were purchasing fittings for showers and lavatories for our Quezon City house at Home Depot EDSA Balintawak . Since my bill was P70K + and I will be given a 5% discount if I pay cash, I decided to withdraw money THRU THE COUNTER (not at the ATM Machine because of the amount beyond maximum limit to be withdrawn in ATM) at BDO Munoz Br at almost 4PM. I asked the Guard where the priority lane is for Senior Citizens. He pointed me to the second table on the right occupied by a lady in gray uniform and a male in white polo. When it was my turn, I gave my withdrawal slip and since I did not bring my passbook, I wrote my account number in my Prime Savings Card but informed the lady about this. Nevertheless, I told her that she can call up Zeny, the BDO Cherry Foodarama Manager about it . Another Chubby lady in yellow came whom she referred to as Ma'am, came (I presumed she referred about my concern) and they were discussing about my this, made fill up a new withdrawal slip with the the account number in the passbook, which the lady in gray was able to retrieve from the computer. I then called up Zeny about my withdrawal in Munoz Branch and if she can help me facilitate as I still have errands to do as I was going home to Cotabato the following day. Zeny asked if she can talk through my cellphone to the lady in gray after which she gave my CP to the lady in yellow and talked to her as well. After their conversation, the lady in yellow told me that I should withdraw the P50K in the ATM machine. I was surprised why she made me do that when I could have with drawn the whole amount from the counter teller, so I asked her, " can I withdraw the P50K in a single ATM withdrawal?" She replied, " no, maximum of P10K per withdrawal" . So I again asked, " so I have to withdraw five (5) times?" She said "yes." I was flabbergasted because I thought that with such huge amount that I intend to withdraw, my intention was to just do that over the counter with a single withdrawal. Nonetheless, I did as she ordered and was instructed that I will sign a withdrawal slip of P20K after she has attended to the withdrawal slip and after I have withdrawn P50k at P10k per withdrawal x 5 withdrawals in the ATM machine outside the building. There was a queue as an old man was ahead of me. It took him I think 15 to 20 minutes putting in his card, encoding then for his card to come out for which he did this, I think 3 to 4x, without any money coming out and then he just stopped. For this I patiently waited UNDER THE HEAT OF A 4 O'CLOCK SUN WHICH IS PART THE DAY DURING WHICH TIME THE HOTTEST HEAT IS EMITTED BY THE SUN (10am TO 4pm for which patients are NOT advised to be under the sun unless with protection) and I was already perspiring just waiting for him. After his turn, I did my withdrawal 5 times, consciously aware that there were 2 or 3 customers uncomfortably waiting for their turns, as well. While doing my withdrawals, I can just imagine what these people in line were thinking ranging from, "why is it taking her too long to withdraw money" to "the ATM might run out of money because she is withdrawing so much and nothing will be left for us". Finally, when I finished withdrawing with my whole body perspiring and all the sweat in my face and arms, falling, I went back inside. The lady in gray made me sign a typewritten withdrawal slip (I did not even know they should be doing it for me because all my withdrawals are with my handwriting whether I personally withdraw or authorize somebody to withdraw for me) and gave me the P20k. Before I left, I even commented to her, "THERE IS NO CUSTOMER SATISFACTION IN YOUR BANK, I WILL TELL ZENY ABOUT THIS". On my way back to Home Depot, I called Zeny and complained about the treatment given to me. She was also surprised because when she talked to the ladies in gray and yellow, she told me she gave a go signal for me to withdraw the amount after she received the email of my request for my withdrawal from BDO Munoz. I asked her, "Did you mention that I am a valued customer of your branch?" She said yes and she was surprised why I was made to withdraw P50K from the ATM and only P20K from the counter. I told her this is the first time for me to encounter such a situation where you are made to withdraw partially from the ATM and partially from the counter (chop-chop) when in any bank if you are withdrawing beyond the ATM limit for the day, you withdraw from the counter. I cited an experience with BPI where my account is in Cotabato and I need to send P2M to somebody. Since I was coming from NAIA 3 that time at almost 5PM, the safest place for me to withdraw the amount and be able to send it at the same time with the bank still open is at SM Megamall. I also talked to the lady officer then, gave her my withdrawal slip and ATM card and government ID, facilitated the withdrawal and even assisted me to send the money so that the recipient can withdraw it the following day during the first banking hour. THIS IS BPI AND WHAT A BIG DIFFERENCE IN TERMS OF CUSTOMER SATISFACTION FROM BDO. I told Zeny this: "Was that how they treated me, a Senior Citizen at that, queing and withdrawing several times under the hottest heat of the sun, ( when I could have withdrawn the whole amount only ONCE at the counter) because they felt that I am withdrawing money from them which I have not deposited with them? Which ever BDO bank an interbranch client goes to, the standard of policies in withdrawals and client assistance and treatment should be the same because all banks carry the same BDO brand of EXCELLENT SERVICE (I HOPE). Zeny told me that she was going to give this feedback to the Manager of BDO Munoz Branch. After talking to her (Munoz Br Manager), she told me that the Munoz Branch was apologetic and would want to talk to me to apologize. Again when the Munoz Branch Manager called to apologize, I told her, "If your employees can do that to a Senior Citizen like me, how much more to other ordinary clients? Zeny already talked to them and mentioned that I was a valued client of her branch, and yet, look at the treatment I got! The bank, like a hospital is a SERVICE-ORIENTED organization. You should value your clients and accommodate them to the point of customer satisfaction. Zeny told them I was a valued client and look at the treatment I got. Pinahirapan pa akong Senior Citizen, nabasa sa pawis and buong katawan sa pagpila at pagwithdraw sa ATM sa labas ng bangko. If a colleague doctor of mine calls me to refer a patient, I always go an extra mile to assist the referred patient. Kayo, manager na nga ng bangko ang tumawag, pinahirapan pa ako imbes na inaccommodate ng mabuti. Kung di lang ako nagmamadali dahil uuwi pa ako sa Cotabato bukas at kelangan kong mabili ang mga dadalhin ko para sa trip ko sa USA next week pagbalik ko from Cotabato, hindi ako magwiwithdraw sa Munoz but I should have gone to Cherry Foodarama, had I have all the time in the world to do my errands." BDO Munoz manager was apologetic, and from our conversation, the employees were telling her, "Hindi naman daw kayo kasi mukhang Senior Citizen (nagpalusot pa!) to which I replied, "yong table na yon is priority lane for SC, PWD, Pregnant, if they think I was not SC, why did they not tell me to fall in line in the regular lane, and when I gave my ID, it showed my year of birth - 1955. That is 63 years old and they should know anybody born from year 1958 and below is SENIOR CITIZEN!" I accepted her apology but I told her I will write a complaint to the BDO Customer Service because this should not happen to any BDO Client.
As BDO prides itself in giving EXCELLENT SERVICE and AKSYON AGAD (from your telephone waiting call) the BDO Munoz Branch lady employees in yellow and gray FAILED TO ADHERE TO THE BDO STANDARDS YOU ARE ESPOUSING. These employees are not worth the salaries and wages you are paying them.
Thank You.
DR HELEN YAMBAO
BDO Cherry Foodarama Branch Client

I am so disappointed that I have to wait for more than 30 minutes on the line and still end up not being accommodated by your teller because of lunch break. The line got longer and you did not bother to check on your clients. I end up walking out. I am so pissed How Unprofessional you cater with your clients. You could have told us you are on lunch break at least we could have saved time! BDO was never true to its words, "we find ways." How disappointing. That's why I can never trust BDO you have the worst customer service.

Here's the scenario
I accidentally get the passbook of the other person. Without knowing na hindi pala sakin yun, and she even never tell me. I was about to deliver the money na nawithdraw ko sa bank when suddenly i recieved a call. ( from teller, with oval face ang long black hair, i cant remember the name.) Pagkasagot ko she was asking me na " ate may nadampot kaba na passbook pacheck naman". Tapos ako naman nagulat, syempre dali dali ko pa hinalungkat sa bag ko. Then ayun nga, nadala ko pala. Then sabe nya " pwedi dalin muna dito ngayun na, kasi nagiintay yung client." ( sa isip ko what the f, nagmamadali ako na madeliver yung winidraw ko na almost 1 hr nila bago nalabas tapos pagmamadaliin nya ko bumalik dahil lang sa kapabayaan nya. So ako naman nagmadali ideliver ang pera tapos bumalik agad sa kanila, then deretso sa other branch ko. Naperwisyo ako nang husto kasi that time nagroroving ako sa iba branch. Ang sakin lang. Dont pretend na ala sya kasalanan. At the end of the day im still her client, so dont blame me kung nadala ko yung passbook nung iba nang dahil lang sa kapabayaan nya. Ang lagay pa eh inutusan pa nya ko imbes na makiusap. Although i admit na may kasalanan din ako kasi diko nacheck. But that behavior di tama. Sana may D.A for that incident, panu kung di ako nakuha nun. Then di nila macontact. Anu lang gagawin nya.?
Always keep the trasaction di patong lang, lapag lang nang lapag.