Banco de Oro / BDO Unibank
reviews and complaints

WORST BANK AND CUSTOMER SERVICE EVER! I have been in UK since 2022, my email address still the same and have updated my mobile number, been receiving my OTP and bank transaction receipts on my email add but all of a sudden they locked my account! spoke to a lot of customer representative and to BDO Ortigas branch said that I need to update my email address and mobile number, like for what? It has been updated since 2022 already! They sent me forms to fill up and sent it to them on April 4, 2024 but never heard back from them again! WORST CUSTIOMER SERVICE EVER!

It is impossible to get through to a customer service representative. When I type in my credit card number through your hotline, it says the card number and date of birth are invalid. So I had to get through to other departments just for someone to pick up the call and transfer me. Transfer waiting time takes one hour. I think you do this on purpose to upset your customers so that we would drop the call. Get yourself together please! 3 call attempts but still no answer and no help

I loaded my globe mobile number today Nov 9, 2023 using my BDO app and I got a confirmation that the load attempt was unsuccessful. Then I received a notification on my BDO app that I was deducted for the amount of 350 pesos without receiving the said load. Please see attach Screen shots for reference. Kindly have this fixed for further assistance. Hope this will be rectified.

I tried calling their customer service hotline to have my credit card canceled. I am now living abroad so I'm having problem receiving their OTP, but there's no other way to have the card canceled but to call their lousy customer service hotline. It's the worst! They'll waste 15 mins of your time for announcements and another 30 mins waiting for an agent to answer you. I had to call 5 times before I could finally talk to the right person. Again, it's the worst and it's always been that way but I don't think they do something about it.

Aug 24, 2023 i went to BDO branch in Shopping near Triangle Robinson to update my mobile. They served me well and update my details online and informed that i still need to call BDO hotline informing the same. September 4, 2023 i moved to Dubai and visited the BDO branch in Deira City Center, they gave me the overseas hotline to call in order to update my mobile. I waited on the line for 30 mins till the agent accepted my call. They gave me a reference number [protected] i followed the instructions and gave all the necessary documents. But till now, no update from them. Very disappointing service from BDO. Should i emailed the central bank so that they will address my concern?

Account Name Kristine L Boucher

Card number Visa [protected]****

Bank Account number ***********

Because we have a car loan with you and are deemed to be good customers, you sent us a credit card around 3 months ago.

We tried to acivate the card as per the instructions.

We were not successfull and it was because Kristine has changed her phone number.

OK no problem we went to BDO in Gen Santos and provided photo I.D. and new phone number.

We were told it would take about a week to update the records with the new phone number (A week) ?

Despite numerous visits to the Bank, here we are 3 months later with the card still not activated. Today we spent hours on the phone to customer service in the queue to no avail, eventually running out of credit.

Your service is a shambles and I have never dealt with such an incompetent bank in all my life.

I am going to escalate this complaint as high as it will go.

I suggest to remedy this situation and to provide GOOD customer service you call Kristine on ************ within the next 48 hours and rectify this problem.

Sincerely

David and Kristine Boucher

I'm not satisfied with the customer service on one of your branch in Molino Salawag, Dasmariñas, Cavite. This happened on Monday 31 of July where, we're waiting in queue since 2:02 pm and I understand that there's a priority or other most important in queue that need to assist. However there's some representative who's assisting them except on our queue, we're stuck after one of their representative go on break for more than an hour. I noticed it as I'm sitting in the front, so we're all confused why our queue is not moving. Then we get assisted when the lady came back. I'm so disappointed that I waited for almost 3 hours just to withdraw because I don't have other options and this always happens everytime I go on the said branch.

I am a customer of bdo ph for several years. I was under the impression that an account will not be charged a monthly membership fee if there are no charges made on the account. I admit I did not do research on it. I sent secure message asking assistance to have it waived but they refused to help. I have not sued the card for several years, and was affected by the pandemic and kept explaining my situation and even asked for consideration. i have several issues with them in the past including unable to cancel the card due to fraud charges,hence no usage of the card, not recving renewal card for a very long time but did not asked for any compensation. I asked for a manager but they refused it too.

Went to a physical branch in JY campos Bldg BGC to apply for a loan.

Clerk said to consider applying for an installment credit card as the process would be much faster and takes 2-3 business days.

At the very 1st day, all requirements were completed and I was advised that I'll get a phone call.

2 weeks had passed no update, called BDO CS service and was advised they were trying to call me for the past few days but I've checked my call history - I haven't received any phonecalls.

Asked agent to double check if they have the correct number on their file, was advised for security purposes they are unable to confirm what number they were trying to call.

Inform agent to pls inform them to call me at this number which is the same number I've listed on my application and to also email me updates as they have promised.

Agent said this is noted.

1 week had passed no update, I've called again and they've informed me they were trying to call me yesterday to which I checked - there's no missed calls or emails. Inform agent to please list relay my number so they can make sure they are not calling an incorrect number.

Another week had passed no calls no emails. I've called their CS team again to which they've informed me there was an issue with my signature. I've told them why didn't they bothered reaching out to me sooner or emailing me? The agent didn't answered and just advised me to go to the physical branch to which I have submitted my application.

Went to the bank on the next day and was advised by the clerk there was no issue on my application and signature but she said to try to update my signature in the application to make sure. I've did that and was advised to wait for another 3 days for an update they will call me.

The JY campos kept calling me on the phone and whenever I answered they will keep saying that it was just a mistake and to wait for the actual phone call for processing.

Another week had passed no update. Called BDO CS and was advised the bank didn't sent out a referrer code in order for my application to push through. Was advised again to go to the physical branch to request this.

The next day, went to the bank and was promised they will email BDO support as soon as possible for my referrer code.

Called the next day and was advised they haven't received anything and to wait for 15 business days.

This has been going on for several days! What supposed to be a 2-3 days processing turn into 2 months!

Filling out an online application which only requires you to type basic information is faster vs going to the physical bank and providing legal documents regarding your income, status and home ownership.

This is such a bad service considering I've never missed any payments and have been a good/loyal customer for 8 yrs!

I'm from cdo Mindanao. It happened in 12am June 8. My two coworkers witnessed when I was going to WIthdraw the money. At nang ma click ko Yong "savings" na off ka agad. At nag hintay kami mga 25mins. At nang saglit ay na ON nayung machine. Tapos hindi na mailabas yung card ko. Sinubukan naming eh insert card ng kasama ko tapos hindi na nga maibasa. Actually my other coworker is the same kami nang situation Peru iba yung BDO branch. I have question po? Bakit ganyan yung service nyo? Hindi po ako perfect Peru Sana po hindi na ito maulit pa. Please help me. To solve this issue. Kasi mahirap mag hanap nang trabaho. I'm 22 yr old. Working student po ako. Still at this age na walang-wala ako tapos hindi pa ako maka withdraw ng pera. Nang dahil sa machine nayan malapit pa akong ma kidnap. Wala pa akong pera pamasahe bukas sa work ko. 😭😭😭😭😭😭

Please be requested to check, for more than a month,i cannot login to my online banking. I tried o reset my password but i am not receiving any OTP as well. Created a case log, calling bdo call center daily but no progress. After a week, a new case log has been created and mentioning that investigation will take up to 30 banking days. What a service!

Sir Raffy hihingi po sana ako ng tulong tungkol po sa autoloan ko sa BDO. Noong pandemic po kasi nagkadelay delay ang hulog namin. Pero nung nakaraang April po nabayarab ko na po lahat ng arears ko according sa BdO branch Dasma, Cavite. Simula po nung binayaran namin yung 85,000 sa PN number na binigay ng call center agent na tumawag sa amin from BDO. Pero pag dating po ng August himihjngi po kami ng Statement of Accnt sa kanila para malaman kung magkano pa kailangan namin bayaran. Ang sagot po nila kailangan daw po updated muna ang bayad namin. Kaya po pinuntahan namin sila sa Office nila sa Ortigas. Pag dating po sa Ortigas tinuro po kami sa remedial office sa Makati. At ang sabi po nasa remedial na daw po ang case ng unit namin. Nagtataka po kami bakit nasa remedial samantalang nagbabayad po kami sa kanila every month after mabayaran ng 85k. Ang binabayad po namin ay 20,000 kada buwan. Ang sagot pong remedial

Hihingi po sana ako ng tulong tungkol po sa autoloan ko sa BDO. Noong pandemic po kasi nagkadelay delay ang hulog namin. Pero nung nakaraang April 2022 po nabayaran ko na po lahat ng arears ko according sa BdO branch Dasma, Cavite dahil itinawag po nila kung magkano ang kailangan namin bayaran. Simula po nung binayaran namin yung 85,000 sa PN number na binigay ng call center agent na tumawag sa amin from BDO ang lahat daw po ng binayad namin hindi na pumapasok as bayad sa L300 na kinuha namin sa kanila. Tapos po August 2022 himihingi po kami ng Statement of Accnt sa kanila para malaman kung magkano pa kailangan namin bayaran. Ang sagot po nila kailangan daw po updated muna ang bayad namin. Kaya po pinuntahan namin sila sa Office nila sa Ortigas. Pag dating po sa Ortigas tinuro po kami sa remedial office sa Makati. At ang sabi po nasa remedial na daw po ang case ng unit namin. Nagtataka po kami bakit nasa remedial samantalang nagbabayad po kami sa kanila every month after mabayaran ng 85k. Ang binabayad po namin ay 20,000 kada buwan. Ang sagot po ng remedial ang pera daw po na binabayad namin ay nakahang lang. Sana po matulungan nyo po kami.

Umaasa po sana ako na mapansin nyo

I’ve been trying to contact BDO because I cannot withdraw funds from my Debit card while living abroad. I tried calling the toll free number but to no avail. I made an Authorization Letter to allow my family member to inquire at the physical bank on my behalf but was still given the same toll free numbers to call. I finally connected with BDO Customer Service number Manila through phone for an international call. Now I had to wait for more than 20 minutes just to be connected to an agent. I ended the call because I’m being charged by my line service per minute and don’t want to be wasting my money on BDO advertisements over and over again. I wish BDO had better customer service for clients living abroad. It’s so frustrating not to have easy access to our bank accounts while being away from home. It’s very inconvenient and stressful which is the total opposite to how efficient bank services are in other countries. Please find ways to give exemplary service to Filipinos living abroad, BDO. It would be much appreciated. Thank you.

Bank with BDO at your own risk. BDO does not take any responsibility or whatsoever and leaves all responsibility on the security and safety of the accounts to the depositors.

BDO does not invest on a 2 step verification system, that is why many of its depositors accounts are hacked, missing, just like mine. And yet, being the biggest bank in the Philippines, they keep on investing on infrastructure to expand. You can practically see a BDO in every corner of Metro Manila and every single province of the country. But they dont have resources to invest on the security of the online accounts, as opposed to other leading banks like Metrobank and BPI had done.

Dear Sir/Madam,

I am writing to raise a serious issue regarding my American Express account with your bank. I was informed that my account had been forwarded to your accredited Collection Agency, and in order to settle the account in full and close it, I needed to pay a total of Php54K. I made two bank transfers on Feb. 27 and Feb. 28, totaling Php54K, as required to close the account.

However, to my surprise, I received a billing statement indicating that an additional Php6K had been used and that I needed to pay it. I have not used my card, and I have always received an OTP for any transaction, so I am at a loss as to how this could have happened.

Moreover, I have not received any acknowledgment of my full payment of Php54K and the closure of my account. This is very concerning to me, and I fear that my data privacy may have been breached as my card has been kept in my cabinet for almost a year now.

I have attempted to contact your hotline to resolve this issue, but it has been very difficult to get through. When I finally reached someone, a certain Micah Maribao from your Credit and Collection, she said she would refer the matter to her Officer and place it as urgent, and that she would call me back within 10 minutes. However, I have not received any call from her to date.

This matter is of utmost importance to me, and I urge you to give it your utmost attention as well. If somebody has been using my card without my consent, this is a serious breach of the Data Privacy Act on your part. I would appreciate your urgent and immediate attention to this matter to ensure that my account is closed and that my data privacy is protected.

Thank you for your prompt attention to this matter.

Sincerely,

MARIA CELINA B. AMORES

AE# [protected]

Iloilo city, Philippines BDO branches (I don't know about other cities) are really inefficient in terms of processing transactions. You need to wait hours before they accomodate you and the order on how they entertain clients are a bigg mess. Considering other banks' (BPI, RCBC, Landbank), I'm really surprised of the gap between their customer service. The staff of the branches are also ignorant and rude.

I'm really, really upset!

January 9, I received a SMS notification from BDO that my credit card has been dispatched to NINJAVAN and update status for delivery will be provided by the courier.

January 16, I received the SMAC card only.

January 20, I contacted BDO customer service and they informed me that my credit card has been dispatched to courier dated January 5, and was returned to them for the reason of "No one to receive". I DID NOT receive any notification from NINJAVAN! And most of the time I'm home and in case I'm not available I left a notification letter and my ID to my household. I asked my household members and said there's no credit card delivery.

January 24, I received an SMS notification that my card has been returned dated January 23 due to the same reason. I did not receive any notification from NINJAVAN. I contacted the BDO customer service and said they will escalate it.

February 2, I received an SMS again and same reason no one to receive. And again I'm telling you I did not receive any notification from the courier. I contacted the customer service again they informed me they will escalate it again.

February 13, I contacted BDO customer service and told me that delivery status was "IN TRANSIT".

February 15, I contacted BDO customer service to check again the delivery status and informed me that my card was unsuccessful to deliver due to no one to receive it. And again they will escalate it and request for urgent delivery.

I always find ways to pay my bills BUT HEY BDO WHY CAN'T YOU FIND WAYS TO DELIVER MY CREDIT CARD?

As your loyal customer please please FIND WAYS to deliver my card, my residence is a subdivision area and easy to find. I already provided several landmarks/ additional delivery instructions. Why don't you assign the delivery of my credit card to the courier who was able to deliver my SMAC card.

Kindly check the following Case ID number for your convenience: [protected], [protected], [protected], [protected]. I need action on this and have my card delivered as soon as possible!

Feb 5 2023 - 12:59pm

When logging to BDO online banking, OTP was received. However, when doing it comes to account transfer or any other transactions, no OTP was being sent.

Tried few times but really, OTP is not being sent to registered number, whenever we need to transact within online banking.

Online banking transaction in BDO is really very frustrating nowadays.

Customer services were also not so helpful, I end up being transferred to different lines.

A yesterday around 2:00pm - 3:00pm November 23, 2022 I reloaded my phone using BDO mobile app, it said that load will be delayed for an hour but the amount was already deducted from my account and I still haven't received the load until now(4:30pm of November 24, 2022). I'm sure that the mobile number I provided was correct because I did it twice and the second one worked and I used the exact same mobile number.

First I sent 500$ to my dollar account , and it bounced back returning 425$ overpricing of fees. They said my account in on doormat account that’s y.

So I reactivate my account. My account has a maintaining balance of 500$ , to reactivate I have to do transaction to withdraw or deposit. So I did a withdraw of 200$

Now when I got home I Sent 500$ to my account thru online to obtain the maintaining balance and bounced back again 477$ on my acccount. Cutting 25$

BDO is getting all my money. When I closed my account staff told me it’s already an active account. So why bouncing back ?

* dollar to dollar transaction