I am so tired and worn out from all the anxiety this problem has given me. I will try my damndest to get this story out there. Something should be done about this issue since the banks are getting away with it! The following is a letter I sent via BDO’s feedback page (OF COURSE there’s no email address you can write directly to for complaints)

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I am a BDO depositor via a payroll account, and I hope this message reaches the HV dela Costa branch manager, as well as the president of the bank.

Last February 25, 2009, I tried to withdraw P18,000 from the Pasong Tamo branch and without dispensing the money, the entire amount was debited from my account. It has been 5 banking days already and, as promised by the CSR I talked to, my money should have been credited back to my account by now.

I hope you understand that this kind of service is UNACCEPTABLE and this bank has literally cost me loss of income, almost my entire half month’s salary. Regular customers like myself have rents due, electricity bills to pay, and food I need to put on our table!

I will file complaints with DTI, SEC, and other consumer groups within the week especially if my money, which I have worked HARD for, is still not returned to me by Friday. I sincerely hope that this kind of “red tape” is seen by the higher-ups and something should be done about it. I have read and heard a lot of “debit without dispense” incidents from co-workers and friends, and your bank owes it to us as your customers, to fix this problem for good.