Big Disaster Organization

Yes, I'm talking about Banco de Oro.

I can't believe that a bank with serious systm flaws still exist today.

The recent flaw I've experienced is that my balance keeps bouncung back to the previous amount even if I made withdrawals and transfers already!

How can I trust this bank?

This, and numerous other flaws, I have all experienced in my short 2 months time of being depositor (forcibly, by the way)

I am very happy wih Equitable PCI for years, and now in a short period I've got more serious problems with BDO.

All I can say is that this bank's system sucks!

In a prior transaction, I made a deposit which was never credited to my account until I made an inquiry.

In another occasasion, I lost P9,910 because their pathetic retail internet banking (RIB) timed-out. So the money was debited to my account but was never transferred.

Their customer service sucks big time! When I reported the lost 9,910 I was on the phone listening to a ringing tone for 30 minutes! I sent an email that was never answered until after almost a month!

Right now, I have 4 pending compaints file to callcenter@bdo.com.ph that are not acknowledged nor replied to.

In fact, even BDO personnel themselves can't get through their own "customer service hotline" as was the case when the branch manager of the BDO SM Ayala was trying to get hold of internal helpdesk and support. Wala silang makausap! Same thing with the branch managers ng BDO Herrera and BDO Alfaro, wherein everytime I complain, wala silang makausap from customer service.

Grabeg bank ito!

But the worst thing really is their system is a mess, a big disorder, a big disaster!

Dami ko pang ibang problem with them!

EITHER YOU HATE THEM OR YOU LOVE THEM

Tell me a reason why I would "Love" them?

Blame the merger.

I heard the horror story.

My brother works for PLDT and their payroll was handled by PCI and now BDO.

I need to deposit money to his account because we asked him to pickup some DVDs and CDs in Makati and he told us his account is in a big mess!

bumblebee1 wrote:Blame the merger.

Yeah, right. Because nananahimik ako sa Equitable PCI and then BDO insisted that their crappy system be deployed on all EPCI branches.

My EPCI branch is not converted yet, and I never had a serious system problem with ECPI, using any medium, ever.

In addition, BDO's retail internet banking has availability of 30% as far as I'm concerned. Their ATM availability is also very low. They have redefined the meaning of "Banking Anytime".

BDO - Banking Anytime (when our system works)

Equitable PCI normally sends an email or a notification on the website should a system maintenance will be made. Sa BDO wala! Basta down na lang without any notice whatsoever.

Slap in the face for customer experience.

arnoldc wrote:Tell me a reason why I would "Love" them?

You can quite observe that BDO is already the largest bank in terms of assets and branches. Metrobank claims that they're number 1 since they only consolidate their Toyota assets in their books. Now, not only that they have the largest branch network but also the largest portfolio in terms of number of clientele, loans and deposits.

This is the attitude of a FAIR WEATHER FRIEND type of Bank. Ala BPI.

Not to discourage you but there are several things they are considering you as a client:

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

2. Low interest rates

Customer service is sacrficed due to voluminous transactions due to the attraction of low interest loan rates

Although I believe in good customer service whatever size you are. Don't get me wrong.


Kaya if you want good and efficient service, go to smaller banks.

DIBA FRITZ!!!!!

Alex, our executive payroll is with ECPI and staff payroll at RCBC.

I'm instructing our finance department to find another bank before we end up in a mess when the EPCI branch (our home account) is converted to BDO.

FRITZ, tawagan mo na si Arnold!!! para maka quota ka na!

Arnold, i suggest you contact jim boombastig. he might be able to assist you directly. i suspect that's the result of their ATM systems migration. dapat ni retain muna mila ang dating system before they merged it with EPCI.

Audiogeek, who's he? Sounds familiar but can't recall.

arnoldc wrote:Alex, our executive payroll is with ECPI and staff payroll at RCBC.

I'm instructing our finance department to find another bank before we end up in a mess when the EPCI branch (our home account) is converted to BDO.

Am glad our payroll is with RCBC or BPI (staff choice which one).

arnoldc wrote:Audiogeek, who's he? Sounds familiar but can't recall.

He is jim nasol head cash department in bdo. you can pm him. you have 3 pending complaints there at nakaka asar talaga yan. i encountered similar problem with bpi atm too to the point na naninigaw na ako sa staff ng bangko.

Nothing beats Allied Bank as far as lousy service..
Their ATM machine breaks down (or offline) several times a day that it has become more normal for the ATM to be offline than online..

You can contact jim. it must be the system Arnold, from ecpi to bdo as part of their implementation of their merger.

John Martin wrote:

arnoldc wrote:Tell me a reason why I would "Love" them?

You can quite observe that BDO is already the largest bank in terms of assets and branches. Metrobank claims that they're number 1 since they only consolidate their Toyota assets in their books. Now, not only that they have the largest branch network but also the largest portfolio in terms of number of clientele, loans and deposits.

This is the attitude of a FAIR WEATHER FRIEND type of Bank. Ala BPI.

Not to discourage you but there are several things they are considering you as a client:

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

2. Low interest rates

Customer service is sacrficed due to voluminous transactions due to the attraction of low interest loan rates

Although I believe in good customer service whatever size you are. Don't get me wrong.


Kaya if you want good and efficient service, go to smaller banks.

DIBA FRITZ!!!!!

so sorry to disagree but i do not think the EPCI/BD merger made them the largest bank here in the philippines...it is still Metrobank, and that EXCLUDES PSBank wich they also own, thanks!

Prof,

I know how you feel...I have two EPCI accounts (one in manila, one here in davao) and both are not yet converted since they have "deferred" their conversion plans w/ some branches...problem is i cannot do fastphone and fastnet transactions anymore...reason according to EPCI davao is that there are BDO accounts w/ the same account number as EPCI accounts...weird! But before the actual merger or marriage of the systems, they could have rectified this first...now, i have to go thru the hassle of withdrawing via ATM, and then depositing again to my local davao account unlike before that i can simply trasnfer funds easily and comfortably...Buti na lang my payroll now is w/ Metrobank, OK naman internet and phone banking nila...

Thanks!

John Martin wrote:snip

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

snip

i don't think the amount of deposit should affect the service of a bank. at a bank where i had a time deposit before, the service i get is very good. the amount i placed was much less than 100k. i even get a free coffee while they process my renewal. as much as i wanted to remain their client because of their service, i had to close the account because our office transfered to another location.

onedown wrote:

John Martin wrote:snip

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

snip

i don't think the amount of deposit should affect the service of a bank. at a bank where i had a time deposit before, the service i get is very good. the amount i placed was much less than 100k. i even get a free coffee while they process my renewal. as much as i wanted to remain their client because of their service, i had to close the account because our office transfered to another location.

Good for you. But im writing in a bank's perspective. Although I believe in good customer service for all

That's why I tell my Account officers to have impartial treatment on the client whether he's the president of the company or the messenger.

Superman wrote:

John Martin wrote:

arnoldc wrote:Tell me a reason why I would "Love" them?

You can quite observe that BDO is already the largest bank in terms of assets and branches. Metrobank claims that they're number 1 since they only consolidate their Toyota assets in their books. Now, not only that they have the largest branch network but also the largest portfolio in terms of number of clientele, loans and deposits.

This is the attitude of a FAIR WEATHER FRIEND type of Bank. Ala BPI.

Not to discourage you but there are several things they are considering you as a client:

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

2. Low interest rates

Customer service is sacrficed due to voluminous transactions due to the attraction of low interest loan rates

Although I believe in good customer service whatever size you are. Don't get me wrong.


Kaya if you want good and efficient service, go to smaller banks.

DIBA FRITZ!!!!!

so sorry to disagree but i do not think the EPCI/BD merger made them the largest bank here in the philippines...it is still Metrobank, and that EXCLUDES PSBank wich they also own, thanks!

Hi Jen, though I agree with the number of branches, i think you should read the audited financial statements of MBTC. Maybe to clarify your position, you should refer to the assets and other investments of MBTC. You should notice their other investments to include Toyota w/c forms substantially part of their assets.

John Martin wrote:

Superman wrote:

John Martin wrote:

arnoldc wrote:Tell me a reason why I would "Love" them?

You can quite observe that BDO is already the largest bank in terms of assets and branches. Metrobank claims that they're number 1 since they only consolidate their Toyota assets in their books. Now, not only that they have the largest branch network but also the largest portfolio in terms of number of clientele, loans and deposits.

This is the attitude of a FAIR WEATHER FRIEND type of Bank. Ala BPI.

Not to discourage you but there are several things they are considering you as a client:

1. How much deposits are you maintaining?

If your maintaining less than P 100,000 in ADB, then your considered as a regular client. This means that's its more expensive for them to maintain your account. This means kung gusto mo mag maintain ng account sa amin, ok lang. But if you hate us, ok lang din lumipat ka. Remember, if you don't have loans from them, cost item ka.

Remember BDO's target market is their huge supplier portfolio of SM.

2. Low interest rates

Customer service is sacrficed due to voluminous transactions due to the attraction of low interest loan rates

Although I believe in good customer service whatever size you are. Don't get me wrong.


Kaya if you want good and efficient service, go to smaller banks.

DIBA FRITZ!!!!!

so sorry to disagree but i do not think the EPCI/BD merger made them the largest bank here in the philippines...it is still Metrobank, and that EXCLUDES PSBank wich they also own, thanks!

Hi Jen, though I agree with the number of branches, i think you should read the audited financial statements of MBTC. Maybe to clarify your position, you should refer to the assets and other investments of MBTC. You should notice their other investments to include Toyota w/c forms substantially part of their assets.

I believe this "may be" due to the financing of vehicles...so "maybe" this is considered a collectible for them...thanks! Love your own kasi, hehehe! My company is part of the MBTC Family

The thing now is consumer banking. BDO has the largest porpolio of consumer transactions because of the SM megamalls, foreign exhanges conversion at the malls, remittance and expenditures by ofws. Maliit pa dati ang BDO. Remember their savings club back then for members and frequent buyers at SM malls? Look at them now. They want to be number 1. They introduced weekend regular banking hours because they need to serve the clients at the malls.

Jen, Equitable PCI Bank FastNet is still working perfectly well. I use it everyday, last transaction was yesterday.

The main point of my post is that BDO's banking system sucks, and can't be trusted.

galit si Prof.

paano ba naman milyun-milyon ang nawawala sa kaniya. kelangan niya kasi ng datung pagbisita ng mga Ms Earth candidiates sa fave resto niya.

mag-Citibank nalang kasi kayo e


PS. 'Nold, boombastig's real name is Jim Nasol.

Kabubs, nasabihan mo si Ike about Ms. Earth next Monday? Kita kits tayo dun, drop my name

Ang Citibank ba ay may account para sa mahihirap na katulad ko? Ala naman ata eh.

Who is Jim Nasol?

In a merger dapat best practice and best system should be adopted. Pero nangyayari yung system ng surviving company ang nasusunod. Then conversion and data migration comes, this is the critical part especially pag mali data mapping, sabog ang integration .

KefQ, hindi kailangan ng integration para sumabog ang system ng BDO. According to one of my staff, 4 years ago pa na sabog ang system ng BDO, kaya sya lumipat ng Equitable PCI and she's happy until now na pinakialaman ng BDO system ng Equitable.

arnoldc wrote:Kabubs, nasabihan mo si Ike about Ms. Earth next Monday? Kita kits tayo dun, drop my name

Ang Citibank ba ay may account para sa mahihirap na katulad ko? Ala naman ata eh.

Who is Jim Nasol?

Jim is the guy Audiogeek is referring you to. taga BDO yun. Jim's handle here in WS is "boombastig". cool and amiable fellow. i hope he can do something about your predicament.

uy, BDO is in a hiring/pirating binge ha.

PS. may acct sa Citibank para sa mga yagit tulad ko: Citibank Savings. there's one beside Insular Life. no ATM transaction fees with other bank ATMs + you can withdraw in dollars. bagay sayo, prof

kabubi wrote:uy, BDO is in a hiring/pirating binge ha.

Their SM Ayala branch manager was from Urban Bank, and the SM Cebu City was from Development Bank of the Philippines.

Both of which confided to me that they never experienced such problems with their previous banks.

arnoldc wrote:Jen, Equitable PCI Bank FastNet is still working perfectly well. I use it everyday, last transaction was yesterday.

The main point of my post is that BDO's banking system sucks, and can't be trusted.

Good for you...mine doesn't...according to both my local branches, because of the migration daw to the BDO system...although i can log-in, check current balance...but in terms of fund transfer, bills payment, ayaw talaga! Sabi nila, antayin ko na lang daw ang full integration...when i asked when...it's between september 2007 to december 2008...WOW!

Jen, I'll tell you na retail internet banking ng BDO ang pangit! Very inconvenient!

Mukhang napapag-usapan na pala ako dito di ko pa alam ah!! ! ! !

Well, it seems that quite a number of you guys has had bad experiences and certainly serious customer services issues with BDO. I can't give excuses nor can I deny that there are indeed system issues that we are encountering and addressing right now.

To some of you who are "in the loop" in the banking industry, BDO has, through the years been one of the fastest growing banks in the PHils (teka I'm sounding like a PR man , which I am not ah!!!!..). Unfortunately, growing too fast has it's down side and that some systems and processes could sometimes lag behind. The latest merger was quite a challenge for all of us due to the magnitude and complexity of it (EPCIB is also a product of a huge merger between PCIB and Equitable). Problems will happen, but this is not an excuse for lousy customer care.

Personally, I appreciate hearing these types of feedback from our customers since this gives us a chance to do something about it. What's worse is that customers don't tell us when things are not going well and just go away, while we become complacent, thinking we're doing a great job.

So, thank you for the feedback! Rest assured that I will personally bring this up to senior management so that an effective and expedient solution could be immediately implemented. Meanwhile, in behalf of BDO, I would like to apologize for the inconvenience brought about by the changes in the systems and would like to ask for a little bit more patience while we implement these changes.

Boss Arnold and the rest of the WS community, please pm me some more details of the problems you encounter so that we can do something about it.

Salamt po!. . . . Kaya talaga kailangan natin ang audio hobby. . . to keep things sane sa side namin... heh heh heh.

jim, you can begin by digging all my complaints that are still not answered by the call center and by the BDO branches SM Ayala, SM Cebu City, BDO Herrera, BDO Alfaro.

Ok will do. From the sounds of it medyo malalim na ang problema kasi kailangan ko na hukayin! Heh heh heh.

boombastig, may opening ba sa inyo

Raf, wag mo ko isumbong sa bossing ha.

jim, thank you for being the punching bag kanina. I hope we'll meet next Monday sa Ponti.

m_shoe_maker wrote:boombastig, may opening ba sa inyo

Fritz,

marami na rin silang nakuha samin na medyo may posisyon. maganda rin silang magpa-sueldo. tingnan mo ang sound system ni boombastig...
SM Prime may be the way for you to go. insider info has it that they're full steam into the hotel and resort businesses already.

m_shoe_maker wrote:boombastig, may opening ba sa inyo

Raf, wag mo ko isumbong sa bossing ha.

Marami kasi expanding! . . . heh heh heh

arnoldc wrote:jim, thank you for being the punching bag kanina. I hope we'll meet next Monday sa Ponti.

No problem Arnold. I appreciate people telling us that there is a problem and who takes pains in making sure we take it seriously instead of being quiet. Looking forward to the Ponti event lalo na kasi I Care About the Earth. . . especially the Miss Earth... heh heh heh.

Will expect you there... Sama mo si Gay Martinez... She just called me. Sumakit tenga ko dahil nag kwento na naman ako. BUT! SHE'S GOOD!

(kasi taga Equitable PCI pala sya)

PUNYETANG BANCO DE ORO TALAGA ITO!!

ANONG GINAWA NYO SA EQUITABLE PCI ACCOUNT KO????!! BAKIT BIGLANG NAG DISAPPEAR SA INTERNET BANKING??!!!

PUNYETA! MAG ABISO NAMAN KAYO!!

NASAN ACCOUNT KO?! WALA DIN SA BDO RIB!!!

Punyetang Bank yan! Napaka unprofessional nyo! Hindi kayo nagsasabi kung anong gagawing nyo, ginagawa nyog mukhang tanga mga depositors nyo!

A few moments ago, I cannot login to FastNet anymore! It's telling me my password is wrong, even if I have not changed it.

Bumalik din account ko sa Equitable PCI FastNet.

Now, ito uli sa Retail Internet Banking ng BDO... ang balance any timeout, so I can't make ay transaction... That's normal with their RIB so useless many times yang internet banking.


By arnoldc

Bingi ang management nitong banko na ito...

I've been reporting to them problems with their systems to they can fix it, but not surprisingly, walang nangyayari! Every week I discover something wrong, grabe!

I can't imagine a bank putting out a system that bad!

Their retail internet baking really sucks!

Transactions sa ATM gets cancelled!

Now, they're in the process of screwing up Equitable Cards... My online payment no longer works, and my US$ transaction keeps getting denied.

Great work for a bunch of farts!

i have the same experience. after years being content with EPCIB i suddenly find myself banking with the Shoe Mart Bank. and get the same Shoe Mart service.

first, checks drawn payable to my name which have been accepted for deposit to our partnership account for 10 years suddenly are no longer accepted. have tried explaining that it is checks payable to the partnership that cannot be deposited to a partners personal account and not the other way around. have tried submitting partners resolutions etc to no avail. their answer-- change in system. ahhh ok...from right to wrong

today, went to the atm to withdraw P5K and the transaction gets cancelled. made a balance inquiry and to my surprise only P5K remains in my account!! i fill out a report and when i get to the office i call the bdo call center. i wait for 30 minutes while listening to how bdo "finds ways" (to screw you maybe) and the advantages of getting an international atm. (imagine experiencing something like this on your international travels! wheeee). finally talked to a call center rep who tells me that it is impossible for me to lose all my balance because the limit for withdrawals is P50K. hellooooooooo is there anyone there? so after some arguments, i give up and just tell her i'll just go to my branch. i go to my branch and after some tinkering in the computer it is confirmed that my money (except for P5K) is in limbo. the clerk dials the call center number and the torture begins all over again.

i feel like im in a low budget movie.......

that is the problem arising from mergers or banks getting bigger while their systems are not updated. Spoke to a banker and i was informed that several big banks are also experiencing same problems with their systems. They should upgrade their systems first before they proceed with the mergers

@jong, for your information, the BDO system is the flawed one, I discovered that, even before the merger palpak na. While I accept that there's no perfect software, I can't accept that for a mission critical application, it IS THAT BUGGY.

Equitable PCIB is using a much stable system (around Systematics), and the BDO farts are killing it in favor of their unstable "system", programmed by a team who obviously did not test, and totally screwed when it comes to user accessibility and usability. Useless system na, useless customer service pa!

UNBEATABLE!

Palpak pala system ng BDO bakit nila pinakialaman yung sa Equitable PCI?! I have been given egoistic and sarcastic remarks na "Kami ang bumili eh." Tama ba yun?

i have a payroll account with equitable. so far, i haven't experienced any problems [knock on wood].

from what arnold experienced, i think something is seriously wrong with the system of bdo. when bpi acquired febtc, i didn't encounter any problems with my febtc after it was converted to a bpi account.

Jon, that's because FEBTC's system was much screwed up than BPI. I used to bank with them and called them "Perish Bank and Trash Corporation"

It's the otherway around with BDO, the acquiring bank has a screwed up system to begin with. And to make matters worse, now lang nila nalalaman yung iba. Nagtataka pa nga sila eh, or nag bubulag bulagan. Based on my experience with their people, it's the latter. Bulag, Pipi at Bingi.

Prof, they forgot to inform you... your EPCI branch most probably was converted to BDO's system that' s why it's 'gone'. I believe you have to re-enrol your account with BDO.
I'm forwarding your vent to someone in EPCI... hope they can do something. Good luck!

Moises, nope. It was not converted, and I thought it could be. Because BDO is notorious for doing things without informing us, customers.

I knew my branch will not be converted until after this year pa.

Mataas ba posisyon nyang kakilala mo? Si boombastig mataas ang posisyon sa BDO, ala ding magawa eh.

I already have someone, who's originally Equitable PCI that I can always talk to and report all these problems. She is very helpful and provides the customer service I've known for with Equitable Bank.

Kung ako billionaire, bibilhin ko itong letseng BDO na ito and I will kill the brand, the system, and fire incompetent people (that means their entire customer service, for one). I will let Equitable live and continue to serve.

Nakow! Pambihira. Not converted yet, major blooper nga yan.
Baka sakali na lang. Dito sa bahay mataas ang posisyon nung kakilala ko [lol]. My wife. Nasa IT siya. Let's just hope for the best.

Pakilala mo ko, I will show everything I got. Kilala nya ba si Ega ng RIB/BDO? Sinabihan ko na din yang si Ega na bulok RIB nila, ala pa din.

Sino VP Customer Service ng BDO (BDO ha hindi Equitable) ?

Yehey!!!

Offline ang BDO Nationwide!!

Yippeee!!

Speaking about major screw up

Ano 'yan na- millenium bug

Prof, should it be renamed to BDO = Banco De OFFLINE

...also having problems now w/ my BDO account (formerly EPCI) especially nung nag-convert na to BDO, sigh!

my two cents here as a ws newbie but nonetheless im an it professional who have worked with banking systems in my previous projects:

ive had my share of being "pi$$ed off" by the above mentioned system flaws and honestly i almost bursted out in front of the teller (rufino-sotto branch) here in makati when i found out that my current account (former EPCI) now BDO converted cant be recognized by the system. after series of phonecalls to cust service and my branch-of-account (domestic-mia), we finally resolved the issue.

in fairness to BDO-EPCI merger, things like these really happens and most of it during emergency situations or u need the service urgently.

its really the "system" so to speak.. maybe, just maybe QA on the data migration (transfer of EPCI accounts to BDO) is not that thorough + the familiarization of EPCI tellers w/ the BDO system which they're using now i guess more trainings or guidance is still needed for frontliners..

Jen, let me introduce to you the new Blue Screen of Death!


By arnoldc

ash0279, BDO did not need the merger for screw ups like these. They're already screwed and they don't know it.

I have a NATIVE BDO account, and I've uncovered ridiculous system flaws that they have no idea nor acceptable explanation why it's happening.

It's not the frontliners, they were trained months before. Just look at how the system operates, how many steps to make (some manual), and you'll understand why transaction time has now increased by at least a factor of 2!

point taken sir arnold, and to think that you suffered heavily on this mess i now realize that somehow "nagpabaya" ang management.

well well, BDO damage control team what are u waiting for!!!

@customer service > should come up with concise/honest answers to customers rather than confusing us and let us raise more questions.

arnoldc wrote:ash0279, BDO did not need the merger for screw ups like these. They're already screwed and they don't know it.

I have a NATIVE BDO account, and I've uncovered ridiculous system flaws that they have no idea nor acceptable explanation why it's happening.

It's not the frontliners, they were trained months before. Just look at how the system operates, how many steps to make (some manual), and you'll understand why transaction time has now increased by at least a factor of 2!

last night, about midnight na din yata eh, I called BDO customer service to inquire about my credit card outstanding balance and my due date as I'll be out of the country for the next two weeks. I am planning to settle it earlier as I don't want to incur interest charges. Lo and behold, I was told to call again after two hours (meaning 2AM ) as she can't access my records because they were on system maintenance.

so, inabot pala hanggang kaninang umaga yung system maintenance nila?

arnold, your experience with BDO is almost unbelievable for a bank that is supposed to be up there with the best. i can understand technical system problems especially as a result of a merger but your stories IMO seem symptomatic of a higher-level governance competency issue.

to think that your horror stories have continued since this thread started months ago makes this all the more incredible. if you don't get results with their VP customer service don't hesitate to go as high as their CEO/President.

Noel, all problems including but not limited to posted here are always sent to Jim Nasol (aka boombastig in this forum), whom I believe is a First Vice President, to Gay Martinez (who is Head of customer service sa then Equitable Bank), and to the generic call center email ng BDO.

ONLY Gay Martinez keeps me afloat, the rest of the BDO "team" makes me feel unwanted, ignored, and of no value to the bank.

We have compared Equitable Bank customer service with BDO, and they're always responsive. BDO replies in MORE THAN A WEEK to acknowledge my problem, if they ever do. While Equitable Bank customer service gives you what you asks for in about 10 minutes.

Equitable Bank was the perfect bank for me, and now they're screwed. If you will see the faces of the then Equitable Bank customers including myself, at the Alfaro-Salcedo branch near Makati Sports Club, when they went offline on that day, we were amazed. In my more than 6 years of being an Equitable Bank customer, I've experienced one major problem. With BDO I've experience more than 10x in just months.

If BDO management wants me to find another bank, which is what I feel, I WON'T. I will be their worst nightmare.

I can't believe BDO people can actually sleep at night.

arnold c,

tanungin mo nga kung ina-outsource ng HSBC dubai ang kabobohan nila sa BDO?

i've banked in many countries from small rural coop banks (in antique) to snooty swiss banks (utang ha, wala akong deposit doon!) and IMHO, the worst of the lot is HSBC dubai.

but it seems arnold c will disagree with me.

ikain na lang natin yan, arnold, bisita ka dito.

russ,

kaya ako tumataba...nung nag down ang BDO, naka dalawang kare kare ako!

When I still have an account at HSBC Philippines, I'm pretty pleased with their service in general, and with customer service prior to becoming 89-500 (yata). But I'm not a heavy HSBC user, deposit, time deposit, asset link, yan lang ang gamit ko. And credit card pala...

With Equitable Bank, I'm a heavy user, US$, PHP SA/CA, Corporate, Fast Card, Fast Net, Fast Phone, everything practically.

May isa akong friend, sabi nya, ba't ka nag kakaproblema sa BDO? Ako wala naman. Tinanong ko sya, "Anong transactions mo?" Sabi nya "Deposit"...

Ako "May Cash Card ka?"
Friend "Wala. Kawawa employee namin pag nag Cash Card. Lagi haba ng pila"

Ako "Nag MyBDO ka ba?"
Friend "Ah, oo. Balance Inquiry."

Ako "Ano pang transactions sa MyBDO?"
Friend "Yun lang."

Ako "May Payroll Account Kayo?"
Friend "Wala"

If you see the pattern, for customers na deposit/withdraw lang, they probably won't have 90% of my problems. That's how BDO system is built. So nung naging customer ako, daming bugs na lumalabas sa system and processes nila.

There...

Pag napasyal ako dyan, pakainin mo ako

Arnold,

Anytime prof, kelan ka papasyal?

He-he, just for entertainment, here's an actual conversation I had with HSBC in Dubai (and yes, I bank with HSBC Philippines and am quite OK).

Me: "How does your e-Saver account work?"

HSBC Dubai: "Sir, it's our latest product where we give you capital-guarantee and the highest interest rates."

Me: "What's the catch?"

HSBC Dubai: "You can deposit anytime but you can only withdraw once a month. You also will not be entertained by our tellers since you can only transact on-line."

Me: "OK, how do I open an account?"

HSBC Dubai: "Sir, log on to HSBC Online when you get home. Search for the application form and download the pdf. After you fill it up and sign it, bring it back to the branch."

Kung wala lang headgear yung branch staff binatukan ko na eh...

arnoldc wrote:Noel, all problems including but not limited to posted here are always sent to Jim Nasol (aka boombastig in this forum), whom I believe is a First Vice President, to Gay Martinez (who is Head of customer service sa then Equitable Bank), and to the generic call center email ng BDO.

ONLY Gay Martinez keeps me afloat, the rest of the BDO "team" makes me feel unwanted, ignored, and of no value to the bank.

Man this looks pretty glum. It sounds like the top executives may already be aware of the problems. I would still suggest to send an email or letter to BDO's president, after all he is the one ultimately accountable to this fiasco. The type of service you are getting is simply not acceptable by any bank standard. Maybe boombastig can PM you the address to use.

Close your BDO account asap

BDO BDO Hamburger
Tsk tsk tsk... Am really sad to see it turn out this way Prof. Wala rin kaming maitulong ni Misis. Harinawa maiparating ni MrBoombastig ke MrNTan ito.

Arnold & the others- I heard from a friend yesterday that this thread has been forwarded to upper management of BDO. I do believe that your concerns will be attended to.

Doc, the thing is, walang nangyayari.

It was only yesterday that this thread in WS was forwarded to upper management of BDO. Give it time this time.

Whoa! So what are they doing with all the Formal Complaints I've filed through their email and phone calls?

It takes Wiredstate para mapansin? Then I should hurry up on MyBDO-sucks.com

Boss Arnold and those who were affected,

Actually your e-mails were also forwarded before and there were already some fixes that were made and for some, will soon be put into production within the month. Hopefully, you will find a drastic improvement in the access time and availability of our channels (i.e. ATM, Internet Banking). The business heads have already discussed these problems you encountered together with the rest of the issues brought up by other clients so you can be assured that action is being done. The merger has not been as smooth as everyone expected due to the magnitude of it and I myself have to admit that there were some areas which may not have been adequately covered. However, rest assured that it is a serious concern for us and it will only be a matter of time (in a few months) wherein all the systems will stabilize and the processes will set in and our customers can enjoy the full benefit of the merger.

We sincerely apologize for the inconveniences that this merger has caused and we are committed to ensuring that these problems are acted upon immediately.

In the meantime, we appreciate the comments we get (good or bad - and mostly bad. . .) because it gives us vital info wherein which to improve the services we give to our clients. What we ask is for a little more patience (sana meron pa natitira), since what we have basically done is collapse into a year what we would have done in 4 years, so basically there is a lot of things that we need to do pa.

Thank you for the feedback. Much appreciated.

Hello Jim,

Are they aware that the problems I reported have nothing to do with the merger?

Uulitin ko-

- I lost 9,950 by using BDO's Retail Internet Banking
- I was able to withdraw P5,000 three times, but my balance keeps coming back

These are from my Native BDO account, NOT my Equitable Account.

BDO's Retail Internet Banking still spells INCONVENIENCE. I thought the bank "will find ways"

Your teller transaction time is still more than 2 minutes per transaction, sometimes 10 minutes. I was at PS Bank yesterday, I timed their transactions, my golly 40 seconds on the average! That's encashment, deposit, withdraw, payments. My own transaction was just 35 seconds! If BDO can't do this, I will never believe the "we find ways" marketing ek ek.

Gumising kayo, do not use the merger as an alibi. The NATIVE BDO system is already flawed.

Sir Arnold,
I know how you feel. I used to work in a bank myself and shortly after that bank was bought by another, they forced on our throats to a pradigm shift in focusing the target market. Our institution used to take extra care of the masses because we know walang masiyadong Universal Bank na nag-aalaga sa kanila: OFWs, Starting Entrepreneurs, Housewives etc.. Nung nabili kami, we were told to pay little attention to them and focus on big accounts. This includes changing account numbers of small depositors and declaring them automatically dormant if it was not touched in 6 months at "pahirapan ang mga beneficiaries ng remittances pag pipickupin nila ang tseke nila - di natin alam baka mga switik yan". Our immediate officers were demoted (plantilla wise and not position - you have a FVP position but you handle paperworks like a clerk) and redundant positions were removed. Pag defiant ka sa bago mong amo, sine set up ka nila para magka kaso ka.
Which what happened to me. I have to attend a family affair that is very important. I filed for a 3 day leave 2 weeks in advance. But they said that my work is more important than my family affair. For the next 2 weeks, I kept reiterating that I need to attend to the family affair and every request was denied.
I was forced to leave a note to the desks of all officers of our department explaining to them that I have an obligation to my family and must attend to it. I was charged with AWOL, denied me of my uniform allowance, and my two months worth of overtime pay was denied also (being in remittance, I work sometimes up to 11 in the evening). When I complained to the head office of my plight, all I got was, "E kung di ka marunong sumunod sa gusto namin, MAG RESIGN KA. Di ka namin kailangan dito." Before, when we were not yet bought, when an employee is about to resign, the HRD is giving them an exit interview - kung baga pinipigilan ka mag resign at kung may problema sa company, sila ang gagawa ng paraan para maayos ang issue. Dito hindi, walang ka kesiyo kesiyo pinagresign ako.
Since then I thought I don't want anything to do with the bank that bought our institution. Masakit isipin na mga kapuwa natin Pilipino nag-iisip elitista pero sila hindi naman ganun.

This is BDO Retail Internet Banking... Not at your service

Just now. While I'm trying to transfer funds.

You know, Arnold, every time I pass by a building decorated with the blue, yellow, and white BDO logo, I am reminded of you.

Parang sinasadya na yata ang mga nangyayari sa iyo. I wish I could do something, but I can't. Sorry.

You HATE them because they are quite slow to react and quite arrogant because of their size. They will be the second largest bank behind metrobank group soon.

You LOVE them because they are innovative. Kudos to Tessie Sy for bringing in longer hours and weekend service for mall operated branches. This is a big help for businessmen who need banking services on bad hours.

You LOVE them because they do have some pretty good employees who try their best to work around the rules and give us results. At least my banker is one.

You LOVE their private bank gourp BDOP because they can provide private bank type results at a smaller minimum.

Just being fair. Nobody is perfect peace

I'm not a hypocrite to appreciate their "innovations", BUT EPCI WAS perfect for me before the acquisition.

Besides, EPCI is already operating some branches in malls, i.e., WalterMart in Pasong Tamo.

I hate them because their systems, just can't do it right when I need them. And, THAT'S A FACT.

Nobody is perfect, for human beings, it does apply. For systems, to be so bad, like these errors, is unforgiving.

hahaha. i hate them too. Got screwed on many business deals before But gotta bank with them because some of the multinationals we do business with would only accept BDO papers. Sad but true.

Their Private Bank group is very good. That i have to admit but its a different business unit.

The new definition of "We find ways" -



To screw you.

Bangkong Dehins Okay

Walang katapusan...

BDO's Retail Internet Banking is A B I G P A I N I N T H E A R S E !

Their system really sucks! I do get a lot of favors from Jim Nasol and Maricor from my branch, in exchange for the incapacitated system. But something's very clear... Their IT is one B I G D U D when it comes to writing something that works. Top Management A R E D E A F too. I was informed by Jim that he always escalate matters but I don't see any improvement!

Sometimes, they don't even know that a section of their ATM/Branch network is down. Sometimes, the ENTIRE NETWORK is down.

P(*^&%$#%#$%^&*()(*&^%$%^&*A talaga.

A little gift to arnoldc from his friends ad WiredState:



The BDO logo taken as seen from my bedroom. I hope the view from your own room is better. I would not wish for you to wake up in the middle of the night only to see these bright letters staring back at you.

BTW, Nikon VR works very well. This photo was taken without a tripod.

This just blows my mind! From the first day i thought the issues would be resolved fast, but no!!

Perhaps the IT guy is the son of the chairman or similar?

For arnoldc. You are going to love this.



Tonight, the BDO sign is malfunctioning!

I almost lost money again this afternoon while doing transfer. I was informed they were doing some heavy processing. It could be using a lot of power so the two letters need to be sacrificed.

Your photo shows B I

Need I say more?

KD wrote:For arnoldc. You are going to love this.



Tonight, the BDO sign is malfunctioning!

Bad Indication nga 'tong banco na ito, lol,... or

Bad Influence kaya ?

looks like the bank just grew way too fast for its systems to keep up. i could also imagine the typical penny-pinching approach to squeezing savings out of IT and a merger does not help. i'm a long time client of china bank and dread the day they get merged with bdo.

The BDO sign, taken at 10:30am today. They're fixing it!

their branches are all over which makes it very convenient for those who keep an account with them. what irked me a lot is this
FAT LADY at their Harrison Branch - I have no intention to keep her anonymous but forgot her name . She got absolutely NO sense of Humor.
So be careful with her about jokes that require a bit of cranial digestion.
and she is RUDE to the max.
By the way, my encounter with this porcine banker was many years ago so she may or may not still be connected with that bank.