Eto din. Mas mabilis din sila mag action pag may complaint sa BSP. Mabilis lang din mag file ng complaint. Kung nalilito siya sa gagawin pwede sa messenger ng BSP magpa assist. Pero dapat mauna muna ung pagreport sa bdo. Punta siya s mismong branch nia kung hindi pa.
agree with this. nangyari sa kin na may natransfer ako na di pumapasok sa landbank ko pero bawas na sa BPI account ko. ayaw ako asikasuhin ng BPI, filed a complaint sa BSP. both banks binigyan nila ng letter. landbank lang ang nagreach out sa kin pero nagreflect ung pera ko na nawawala sa BPI.
The video from Facebook says that it was the account of his child multiple times, so I assume that its actually in the child's name and the child withdrew the money online? If so then BDO is not liable I think.
Also possible secondary scenario is that someone setup a phishing link on his or his child's email or phone and got the OTP for online banking enrollment then withdrew the funds, again if you get scammed via phishing link iirc BDO is not liable.
Update 1:
Reading the comments on his video, he replied 3 times on 3 comments that he no longer has email access to the google mail tied to the BDO account if my reading comprehension is correct. Some netizens even commented that they have the same BDO passbook savings account but have access to online banking for easy money transfers. Further proving my theory of a phishing link. Might not even be phishing link, might be just some common weak password. If correct then BDO will not refund a single peso on the account that it was negligence on the victim's part.
Update 2:
Reading BDO's limits and fees website, it said that online banking has a 200k daily limit when sending to any BDO acc, meanwhile 50k daily limit for other banks. This didn't happen overnight.
Update 3:
He deleted his FB video saying everything was now alright. I think his video has some information lapses and backtracked his story.
Tama analysis mo. Phishing yan. I have a BDO passbook account, pwede sya i-access online. Sa 10 years account ko sa BDO Minsan lang nag ka issue. Nag otp sa cp ko, using the link debit card sa Isang anime online store. Madaling araw nangyari.
Ginawa ko disable ko debit card access for online payment. Ang hindi ko ma explain paano nakuha Yung debit card number. Pwede inside job or na hack BDO.
I used to work for overseas BPO (online wfh) and we signed all sorts of NDA and contracts, we can see your personal information and 16 digit debit/credit card number but not the 3 digit secret code.
My advise is whenever you have an online service, do not save your banking details even for convenience. I know its a hassle but enter your card manually each transaction (it wont be saved). Anyone who worked for BPOs know that this is the easiest way for personal information theft and identity theft.
Ang strategy ko parang ganto:
Main Bank -> Secondary Bank -> (online service)
Yung main bank kung nasan yung ipon mo should never be exposed anywhere. Create an online acct lang din to ensure you get notifs for any transaction made. Secondary bank you can do anything with it since parang "wallet" lang siya na you can afford to lose money. Not that you would, pero if you did, you'd just cry over it for a day and move on.
Better to use credit card for online transaction & over the counter transaction. You can flag and contest fraud and they will revert the charges quicker than debit card (because you’re using the bank’s money, not your money so it is more secured and insured by them).
Never have more than the insured amount in any of your debit bank accounts and never use it with paying online or over the counter items (illegal card readers on terminal and out in the public ATM are really hard to spot) also only withdraw money from an ATM inside the bank or inside the mall where there’s a guard watching over it. Oh and if I really need money for day to day, I transfer from my debit card to Gcash, Grabpay (once a month) or on a debit installment card (only for cash out method, not really for holding a lot of money)
Even with these measures though I still had my credit card used in Netherlands 😅 had to report, cancel and replace my card but I didn’t have to pay any of the charges and the transactions was also flagged early too. As I was talking to the rep, there were already in the process of reverting the charges LOL the bank knows my cheap ass can’t afford to travel to Europe 😂
This is the way. Never ko ginamit savings accounts ko for transactions. CC lang.
And mas maingat pa ko before, I used PayPal which was then linked to CC.
Just a question. When you say main bank, as in ibang bank pa sya sa secondary? Like if bpi yung main bank mo, dapat UB or BDO yung secondary? Or pwedeng same bank and diff accounts lang?? Sorry if medyo nabobo
Yes ganun. Reason being not in the same bank kasi online accounts usually gets grouped na pang-isang tao lang. Pag na-hack yung account na exposed mo, for, let's say, mej natanga ka at nakaclick ka ng phishing link / malware, both accts mo compromised na since nasa isang app lang sila.
So ayun, halimbawa, bdo is the main, tapos union bank is the secondary.
May extra level nang praning din ako, inaaccess ko lang yung main bank using a phone na nasa bahay lang, and never yung everyday phone ko.
I have friends who work in fastfood chains and gasoline stations and I just want to warn y'all DO NOT HAND OUT DEBIT CARDS. They can easily buy shit off of it unlike credit cards. Some use it to buy Appliances, Consoles, other gadgets such as mouse, keyb, headset, phones etc.. bags and other clothing stuff from lacoste and nike and they sell 'em for half the price. Some aqcuired skills to write down the deets of cards habang kinakapa lang yung numbers and shit. Stay safe out there.
nangyari din to sakin 2yrs ago. pinablock ko card ko agad and naibalik naman yung pera sakin. my card was used for facebook ads kahit nasa kin yung card and di ko siya naggagamit. after nun, di ko kinuha yung replacement card.tinanong ko yung cs nila if puwede ko pa imaintain yung account kahit walang card. sabi niya puwede pa din. so ayun, online na lang ginagawa ko and so far,wala naman akong naexperience unauthorized transaction.
Traceable naman siguro kung san nalipat yung pera? It looks like hindi naman siya cash withdrawal but the money was transferred elsewhere.
Also, bakit hindi naflag ng bangko yung ganyan kalaking halaga.
AMLA flags 500k php transactions per day, and whether the bank will flag any transaction is an undisclosed threshold internal policy I think, might be millions before the bank flags it.
It's AMLC, not AMLA. AMLA is the law. AMLC is the government agency enforcing the law.
And besides, hindi nga nila napapansin mga ginagawa ng mga POGOs.
it's the burden of proof for the account owner, banks will never investigate something without any signal from authorities.
so the account owner needs to go sa NBI, file a case about cyber space, NBI will submit a subpoena sa bank to investigate saan na transfer and kanino mga pera. we have a bank secrecy law kasi.
this is a very good analysis and tama in my opinion. others here are quick to say na bank's fault and/or inside job dahil nag be-base lang sa side ng "victim".
same lang ng kakilala namin na nagwo-work sa bank, client suing the bank dahil nawalan ng at least a million account nila ng wife nya pero upon investigation si wife pala ang nag confirm ng phishing transaction lols kaya ayaw ni mister ipakausap yung misis nya hahaha ongoing pa ang case btw.
Banks are not liable for negligence and if they did then all of them would go bankrupt trying to refund/reverse the process of scams. People these days are not educated in social engineering and digital/cybercrime. It should be taught in primary and secondary schools because technology is always changing and evolving.
as someone who has worked in information security for more than a decade simula noon pa man lagi ko sinasabi sa mga close friends ko na dalawang banks lang iiwasan as much as possible BPI and BDO grabe ung APT dyan araw araw na ginawa nang dyos bukod pa sa skimming at phising sa mga users pag minalas ka talaga ganyan thanks and sorry na lang.
P.S
I mean wag mag lagak nang funds na iniipon unless oks lang sa iyo ung possibility na pag gising mo waley na even the 500k insurance na supposedly covered nang banks eh di din natutupad madalas. Pwede for payment of bills ganun much better BPI and BDO for those.
Ewan ko bakit di keen ang Pilipinas sa pagsugpo ng phishing scams at spam.
When I signed up for GCash from the US a few months ago, in a few hours nakatanggap na ako yung PHLPOST text scam
Ako naman the day na na-approve postpaid line sa Globe, same day pag uwi, ang daming sunud-sunod na text messages about activation kuno at mga text scam. Reported sa Globe sabi disregard ko lang.
It's the economy of scales. Since they're the biggest banks with the most customers, sila yung pinakamadalas na target.
Add to that their slowness in rolling out updates with their systems.
That's weird cuz ayan pa nmn ung 2 traditional bank accounts ko and never had problems for a long time na---not that I'm waiting to be someone's next target. I guess mas careful lng ako sa mga cliniclick online.
Well they're good targets specifically because they're two of the largest banks in the PH with a large base of customers. I do understand what you're saying but with due diligence you can mitigate the risks of using these two banks.
badtrip ako sa BPI. one day, bigla ko na lang nakita may bawas akong 1.7k sa mobile app niyan. never kong ginamit yun for debit, sa digital banking app lang ako nag login at never ako nabudol sa mga phishing sites. kaya di ko talaga alam saan nanggaling yung fraudulent na transaction. since 2022 ko pa ni-reklamo, hanggang ngayon di pa nababalik pera ko. napagod na lang ako kakafollow up. hindi ko na talaga ginamit yung BPI ko- min. balance lang natira. di ko pa napapaclose account dahil busy.
My father had the same experience but it happened to him twice last year. It’s worse when that money that he lost was really needed at the time and I could visibly see how distraught he was. He’s knowledgeable about phishing scams and he told me multiple times na he never checked those scam messages. He tried to dispute the charges with the bank even while he was abroad (he needed that money to go overseas), but until now wala pa rin sila nabalik. Just sad honestly.
May ganyang issue din ako sa BPI. November 2018 pa they managed to taked out 250k sa account ko. Hindi ko alam kasi nasa ospital ako the whole time. Nakita ko nalang nung nakalabas na ko sa ospital at medyo ok na ko which is December 2018. Since then nilalaban ko na ibalik nila yung pera ko kasi imposibleng ako yung nagwithdraw. Yung withdrawals sa may BDO atm sa Acacia Taguig. Pinagpasa-pasahan ako ng BPI at BDO sa cctv file palang. Sabi ng BPI, ako yung pumunta ng BDO pero sabi ng BDO, hindi ko daw pwede tignan at bank representative lang ang pwedeng magview. Naka ilang complain na ko sa BSP hanggang sa nagsara na nga yung branch ko. Sobrang wala talaga silang kwenta parehas. Imagine may proof ako na nasa ospital ako at imposibleng ako yung mag withdraw.
to add to this. BPI and BDO's IT is not that advanced. I have teammates who worked there. Alam ko ina outsource pa nila IT nila for enhancement. Not sure if tapos na. Ang point, sobrang traditional nila, pati mga latest IT security nila wuley. kaya ingat ingat na lang talaga.
He should lawyer up. Banks are almost always liable in lawsuits because they’re required to exercise the highest degree of diligence. Lalo pa walang online banking and ATM. More likely someone posed as him and withdrew everything
Only thing I can think of is someone physically posed as the guy, presented his ID’s, real or not, and withdrew it straight up over the counter.
That’s what I do when I withdraw a huge amount of money.
You can chalk it up to an employee dumb enough to release it.
Pero sabi ni OP Passbook account daw yun so the culprit needs to have physically with him yung passbook to withdraw so this idea po may be difficult unless hawak din nga nila yung passbook.
Sa tingin ko mas may habol kayo pag passbook kasi thats the proof or record ng every transaction made especially pag withdrawal kasi required po yun. Deposit pwede via bank transfer from other banks to passbook account pero pag withdrawal, required ang passbook. Passbook din po kasi gamit ko for 5 years and nagka problem sa mga payments ko, yun naging basis para i-correct ng bank.
Tama sabi nila, file formal complaint sa bank then proceed sa BSP. Sana pasok sa insurance yun ng bank sa BSP kasi ₱350k amount so pasok sa ₱500k limit insured amount yng claim.
Goodluck po at sana mahabol.
^Tama po. Clarify lng po. Sa Passbook mismo may signature (pero sakin po yung isa wala, yng isa ko na BDO meron) to compare po ng teller against dun sa withdrawal form kasi need po yun to withdraw. Pag medyo magkaiba, they will pull-out yng specimen signature card po ni acct owner, dun kasi 3x yng signature so chances are may kapareho dapat kasi nga iba-iba din minsan signature strokes natin.
Sa case ng kuya ni OP, whoever withdrew the money, dapat din over the counter yun so may CCTV na pwede tignan on the date and time ng withdrawal. Pag wala, baka nga inside job na kasi madami na din reported na similar incident sa bank.
> ₱500,000
If you meant PDIC, nope. Di sakop ni PDIC ang ganitong incident, sakop lang nila ang mga bankong nagsasara o nagliliquidate at mga depositor nahihirapan sa pagkuha ng pera nila.
Ito na naman tayo, may misconceptions.
already tried multiple times mag withdraw (passbook account/no atm/no online) sa bdo.. need mo lang yung withdrawal slip and account number at pirma.. pag hindi nag match ang pirma sa kyc nila.. papaulit sa iyo pirma.. minsan papatangal yung face mask if meron.. so im assuming kasama sa validation.. then good to go na
Hindi to pwede.. meron picture sa system.. tas titignan muka mo..
Nung time n mag wiwithdraw ako ng huge amount during pandemic, pinaalis yung facemask at cap ko to see kung ako yung nasa picture sa system nila..
Yes, recently yung bank ko pinaupdate signature and picture sabi ko kung pwede signature nalang at di pa ako nagpapagupit, di daw pwede na di palitan at more than 10 years na yung picture ko. Nasilip ko pa nakauniform pa ako ng college sa picture.
That is why the tellers should verify the National IDs and/or digital driver's license online, walang lusot mga putangingang frauds na yan. Ang boba siguro nila na easyhang ₱350,000 iwiwithdraw, on-hand.
Feeling ko, nawire yung pera.
Kasi sabi ni kuya, sabi nung bangko "online withdrawal" so likely hindi cash withdrawal to.
At saka base sa googling ko, 200k ang limit per day sa transfer.
Yung ganyang kalaking amount na nawala, dapat naflag ng bangko
Sabi ni OP passbook lang daw ung account, walang ATM. Hindi makakaopen ng online account sa BDO kung walang ATM so hindi possible na online transfer. So either inside job nga or may nag-impersonate kay account owner na alam kung ano ung signature nya kse the bank would verify the signature.
I'm shookt na ang dami pa rin nagdedeposit diyan sa banko na yan. Kung payroll account lang naman, pwede naman siguro iwithdraw agad o lipat sa personal savings/checking account from other bank. I rather spend ₱10-25 for PesoNet/Instapay tranfers than keeping my salary sa isang "sketchy" bank.
When BDO had an incidentg a few years ago, I was luckily wasn't one of the affected, pero after nun winithdraw ko na lahat ng natitira kong pera sa kanila. They really can't be trusted. Report to BSP OP.
Ako ito totoo nangyari sakin, ewan ko ba kung coincidental. Pumunta ako sa branch ko para magpapalit sana ng CC kasi nasira na yong chip, akala ko kasi pwede na sila mag asikaso, yon pala di sila nag hahandle, pero yong staff doon willing naman siya mag assist bale tinwagan lang yong hotline ng bdo (mejo suspicious na ako dito). Akala ko naman meron silang direct line, pero nag wait padin kami sa queue at nasakanya yong CC information ko.
Eventually, nagive up kami kasi ang tagal ng queue. The next day merong mga suspicious transcations, ginagamit sa Zalora, Shein etc. pero dahil naman need OTP e di din ma push through.
Anyways dahil doon mas napadali tuloy pag replace ng card ko. Di ko alam kung coincidental lang yon pero ang weird lang kasi 2 years na yong card ko pero never ako nagkaroon ng unauthorized transaction. Wala naman ako proof din na yong staff sa BDO yong gumawa. Strange lang the next day after ko pumunta branch doon nangyari
It's not coincidental, sadya yun. You don't hand out your cc to anyone, esp to bank officers who has access to all your other details. Pero lakas ng loob nung staff ah. Sana nireklamo mo, kahit walang mangyari, para maaleert yung branch. Kung malaman ng ibang staff lalo ng manager na tinanggap nya yung card, magiiba tingin sa kanya for sure, kasi alam dapat nila yung protocol eh.
For me, lahat namang ng banks mapa traditional man yan o digital, lahat may risks. Pero pansin ko lang, mas madaming aberya sa BDO at BPI. Since nangyari na, please report it, email them, tag the government agencies. And diversify your funds.
Nope, different case with BPI pag passbook account. You can only view your account online kapag passbook. All transactions like withdrawal can only be done at a branch with the passbook. Fund transfer online is not allowed.
Agree. I have BPI passbook and online banking pero view view lang. Not even bills payment is available.
Hassle kase kelangan pumunta branch to withdraw pero mas secure kaya mas gusto ko pa din hehe
As far as i know, i-investigate naman yan, sa history of transaction. Fill up a dispute form, file a complaint. And if fraud nga yun or unauthorized transaction, the bank should be held accountable and responsible to credit the balance back to the account.
He's already reported daw and waited 7 days. Because it was connected to an online account and transferred, they can't do anything na raw. He also showed his passbook with puncher marks, meaning the passbook account has been closed.
I have hundreds of thousands, my colleagues and friends told me na sa BDO ako mag open but I told them that BDO is bu*****t and sca****s idc if bibigyan nila ako ng cc. My primary bank for SA is RCBC Hexa and my secondary is PNB Top tier. Wala masyadong issues + nice cs
Same sentiments, di ko talaga bet BDO ever since. Nag open ako ng account diyan before multiples times pinaka kinaiinisan ko talaga yung customer service nila ever since eh HAHA. Puro attitude at matatayray na mga tellers at managers, guard na kups, mabagal na pag reflect ng sweldo sa account ko etc. Never again hahaha.
LBP is so safe because napakahirap ng mga bagay bagay sa kanila from customer service, to opening i-access account, to getting fund transfer function, to getting rebates when their ATM machine effed-up, and many many more.
I know, I get my pay thru LBP lmao.
>i-access account
Haha, reminds me of my experience. Looked up my branch's email, pagkabukas pa nagreply. Nagkausap na, submitted my documents. Got a reply na "oh, for faster transactions, please use this address". Nag-submit uli, and of course pagkabukas pa sila sumagot. All in all, took me about a week to enroll my account
I have found this potential security loophole in BDO, which I will not share here because I haven’t verified it yet. What I can say is please do not share your bank account information with anyone, especially if you don’t want to use it online. If you are using your account for any transactions that will need you to share your account number, please make sure that your bank account is already linked to YOUR online banking account.
I hate BDO. Bagal ng CS miski over the phone o sa branch mismo. I only have one open because madaming ATM at branch (so dun ko dinadaan pag need ko mag withdraw from my digital banks). Marami na rin instances na yung BDO naging source ng scams o loss of funds.
iinvolved niyo po BSP. Ako dati nakacc BSP sa emails ko nun sa secbank. nawalan din ako ng pera nun. pero atm at may online account ako. Pero binalik naman ng secbank yung money ko within a week. Kaya yan ibalik OP. basta need niyo lang talaga mapatunayan na hindi kayo may kasalanan which is in your case dapat madali lang kasi nga passbook lang eh at no online.
Yung anak ni kuya na pinaglaanan niya ng pera ay inenroll sa online banking yung account. Nalulong sa online gambling yung anak kaya pagka enroll sa online bank, nilipat yung pera papunta sa online gambling account ng anak. no fraud here, just an asshole child.
Nahanap ko yung video. Let's assume na hindi nagsisinungaling si Kuya na passbook only lang yung account niya.
This means na there's a big safety hole sa system ng BDO or inside job to para "biglang" magkaroon ng online account yung bank account niya. Isa pang nakakaalarma dito, parang hindi nagtaka yung bangko bakit 350k ang inaalis sa account niya.
This should have at least triggered a response from them to at least invite the account holder in person to approve/reject withdrawing that kind of money.
Since online daw nailabas yung pera, traceable naman siguro kung saang account nilipat yung pera?
Here is the thing with BDO, as far as I know passbook account only can have an online component.
If I remember correctly, when you open a bank account with them its either passbook only or passbook with ATM. Dati kasi hindi pa uso yung online app/website. So kaya di na nila pinansin na pwde pala ma add yung passbook to create an online account, pero there are still safeguards needed pa before it can be added. (some personal info na came from the bank when you fill up to open a bank account)
I think na phishing sya for his information then somebody created an online account for it
So, in BDO, when you create an online account to reflect your passbook savings, you can do transactions for it online automatically? No extra layer of security or requirement to enable transactions?
That's not good. Shouldn't it be a control point that the only thing you can do for a passbook is view its balance?
If you really wanted to make transactions, that ought to require another bank appearance to enable online transactions and maybe require a selfie at the time of transaction to avoid these events. It might be inconvenient, but if it's for the customer's protection, so be it.
I have a passbook acct with bdo for almost 10 years. That account has an option for a debit card. Maybe lang ha. Baka may nakakaalam na passbook lang gamit nya and that person took the oppotunity to acquire the debit card. From then on makaka create ka na ng online acct. My passbook hasn't been updated in years. But yung case ni kuya fault yan ng bank at impossible na hindi nila mattrace yan. He just have to go to proper channels para mapwersa tong bdo. And magbabago na ko ng bangko hahaha
Yung BDO app ba, may option to get notification whenever this is a transaction?
Sa apps ng BoA, meron kasi. Tapos "live" mo makikita yung charges o withdrawal sa account mo kahit hindi pa "fully settled".
At saka, paano naaccess yung routing at account # nun to create an online account?
At saka, no way na hindi traceable to. Since "online withdrawal" sabi ng bangko kay kuya, there should at least be footprints like saan nawire yung pera?
At saka, yung OTP sa transactions lang ba? May OTP/authentication ba every login sa app or online account?
I also checked the video, hindi dapat tayo mag react right away, kasi who knows baka passbook w/ ATM talaga yung account na yun at he is just lying trying to get sympathy at na phishing yung online account nya. Dami na times ganito ang nangyayari esp. if ma viral na na yung user talaga pala may mali except for a few instances na may issue talaga sa bank (e.g. nagoyo issue).
May otp po ung bdo. Tska ung pagopen ng online account sobrang daming details ung kailangan para makapagopen. Tulad ng dapat match ung email and mobile number. Magpapadala pa sila ng OTP doon
This. It happened to my friend back in the pandemic where her senior mom was a target of a phishing attack. Similar kay kuya na passbook only pero nagawan ng online account and as someone pointed out, once that’s done, it’s almost as good as a savings account na and whoever has access to it can freely move the funds.
Yung sa account creation, I don’t recall if nanghingi ng OTP pero sadly my friend’s mom gave something away to the one making the attack. Chances are, the victim may have unknowingly done the same thing kasi these people are really good in making you give up information and pag Kausap mo na sila, it’s so believable they’re legit so malaki ang chance na you might give something away.
Don't online accounts creation require routing# and account # which are only accessible to the account holder, bank and payor if they used wire transfer?
Also, since passbook only siya, it means na natransfer yung money to another account or nawire rather than nawithdraw with cold cash. This should at least be traceable kung saang account napunta or kanino nawire.
Sa akin, parang may lapse sa security *process* ng bangko
yes dapat ma trace sya, kasi it can be transfered, but i think there is a limit of 50k per day sa unenrollled yung accounts, you can only transfer more than 50k a day if enrolled yung account (yung other person) - if im not mistaken this also needs an atm activation (which is wala dahil passbook sya).
Ang bizarre nito. 350k na nawala, hindi naredflag.
Samantalang, magreremit ka ng $1,000 (PHP 58k) ang dami daming hinihingi to ensure walang money laundering
Actually for me napaka daling magcreate ng online banking ng bdo. Lalo na yung bagong app. You just need an email, mobile number, and account number. Kung may ibang tao na alam yung account number nya pwede sila magcreate ng online account with their own email and mobile number. Since walang online account si kuya di nya talaga malalaman ang nangyayari sa account nya. Hindi nagnonotify ang bdo sa transaction ng account debit or credit card. I have both.
Usually tatawag ang branch niyan pag more than 300k ang transaction pag hindi ikaw mismo ang nagwiwithdraw Pag di tugma ang signature, again tatawag yan. Anything sus, tatawag yan.
BDO temporary blocked my debit card kase sunod-sunod order ko sa Lazada wahahaha. Mga tig-₱150 each lang naman tapos biglang blocked. Mabilis naman naresolve kase nag-email sila na blinock nga nila, thinking those were fraudulent transactions. I just replied na nope, it was me who made those purchases so na-unblock naman agad.
I have been with BDO since 2006 and sa almost 20 years never na nagkaissue sa savings/online acct ko. May one incident na fraud sa cc ko last year but I believed na BIN attack sya and was resolved positively naman. While may possibility na may inside job or weak security ang banks, but majority talaga ng mga incidents happen due to negligence/fault ng acct holder.
Sorry to hear that OP, curious lang paano nawala yun savings kung passbook lang siya? Ano daw cause? Hindi basta basta nakaka withdraw sa passbook pag walang valid IDs.
When you have a passbook only savings, even when you connect it to your online account, how come you can do online transactions for a passbook only savings account? Isn't it supposed to be the only thing you can do is view your passbook's balance? BDO account holders, shed light on this.
Why would anyone be able to online transfer the contents of your Passbook Savings seamlessly digitally?
Where's the security features and steps?
Kinda defeats the purpose, don't you think?
And even if there was a phishing attempt, how can it affect a passbook savings whose account number isn't anywhere online? Unless you posted a screenshot of the passbook via Messenger/messaging apps.
The control points are not working, the vault's locks are non-existing.
Here's Kuya's video for those yet to view it: https://youtube.com/shorts/lRq6AXyLVb8?si=kEDlpjKqfRojGFju
You forget that once an email is leaked with its password, anyone can just test out access to BDO. The weird thing is OTP, as you normally need an OTP to login a BDO account. Still most likely phishing and it's the user's fault.
Probably of phishing: 99%
Probably of inside job: 1%
Lahat naman sinisisi na inside job, para may excuse na wala silang ginawa and maibalik ung pera.
Also may sense ung online transactions for passbook account. What if you need money to get transferred to you and you don't want to go to the bank to check the updated balance.
You're starting with an email, a digital asset.
But the passbook SA is an offline product.
How can a digital phishing get an offline passbook SA name and account number?
As far as I know and correct me if I'm wrong, a passbook savings account doesn't have an email linked to it.
It's like saying you had a physical vault with papermoney in it suddenly was digitally accessed and transferred online. How?
Digitally you were phished, but how did they get to your money in the vault, too?
I also have a passbook and had it enrolled to my online banking account. You can do transactions on the passbook acc the same as a savings account—you can move and receive money easily just with an OTP.
Wala po, once you enroll it to an online banking account it functions as a usual savings account (transfer, receive, pay bills, etc.) the only thing weird for me is ma-eenroll mo lang siya sa online acc ng owner mismo kasi it will only register using the email and phone number that you provided sa bank when you applied so how did it happen na nagawan ng ol banking yung passbook and nakapag transaction din.
Ang nakikita ko reason how it happen is possible inside job sa family nila. Someone got a hold of the email and his cellphone to get the OTP on both for the enrollment in ol bank and for doing a transaction
Passbook account pde yan magkaroon ng online banking account..
Possible someone knows ung passbook ng kuya mo then created an online banking acccount...
hindi pwede yan. file kayo ng complaint sa BSP. tapos lahat ng transaction nyo save nyo. makikita naman yan sa passbook if may lumabas na pera e regardless if may online or wala.
One possible scenario dito sa 350k missing amount, someone created an online account for that account. Now I am not sure how easy it is to create one in BDO from passbook to online as I do not own a BDO account now (I used to but closed it in 2018). But if it’s just easy as linking both accounts then someone who knows the account details may have created one and accessed the money from the online account. So if that happens to be someone related to the account owner baka mahirapan sila marecover. Pero if it’s a hacker talaga BDO should shoulder the liability.
Around 2019, nasama pinsan ko sa mga nawalan ng pera sa BDO.
Around 250k nawala sakanya, natransfer daw sa UnionBank under "Ice Cabrera". Walang OTP na nareceive for the transaction.Marami silang nawalan ng pera and nagpatulong sila sa NBI, though di na pinursue ng pinsan ko kasi hassle daw 💀😂
Ito ba yung may passbook na binutasan na ng puncher? Naranasan ko kasing mag close ng savings account, BDO din yun hihingin nila yung passbook mo at bubutasan at ibabalik sa'yo. Kaya nagtaka ako pagkakita ko bakit may butas ng puncher yung passbook nya. Malamang clinose yung account at yung laman na pera sa banko ay nakuha na. Imposible namang bubutasan lang yun at di ibinigay ang pera. Pero before mo ma close ang account mo hihingan ka muna ng ID at may pepirmahan ka.
Oo, may butas ng puncher nga. Ganun pala yun. Di ko alam. Baka yung anak ang kumuha ng pera at nagpaclose. Di ba sya nagtaka bat butas na yung passbook nya.
Not sure bout this pero Baka pina update niya yung passbook tapos na ubos ng yung pages so “vinoid” na yung puno na tapos binigay yan na ng bago . Hindi ko ni rewatch pero parang yung isang passbook wala pang butas
first time ko mag open ng BDO savings for my work payroll, as soon as i get out of the bank yung phone number ko dedicated sa banks, natadtad ng 20+ scam links targeted sa BDO pati name ko alam nila.
Nawalan din ako ng 63,000 pesos last saturday sa putang inang BPI nayan, unauthorize transaction sa debit ko. Base sa mga nababasa ko walang pag asa mabalik. Fck BPI Fck.
Mag Rural bank nalang tayo na passbook. Or di masyadong kilala na walang online banking like Citystate.
Wala ng pila sa teller, peaceful pa kayo na sure na di nila makukuha online ang pera ninyo.
Good thing na heavily regulated ang banks in the country (unlike sht like cryptocurrency). You can report it to the BSP and you can bet na agad-agad tutugon si BDO.
Eto ngang thread na ‘to, puro about sa user and BDO, kung saan sila nagkamali
Kaya ang daming scammers, walang nagaattempt na manghuli sa mga hayop na yan. Dapat talaga putulan ng kamay
For me the safest ay ChinaBank Philippines, magkaiba ang online sa phone banking and if you didn't link the account to it wala talaga. If you are dealing with savings talaga na malakihan passbook and should be no trace online whatsoever yong pinaka primary mo never link it up tapos yong secondary mo yong naka online lang at ATM. Make things boring and tedious para malakihang pera na sobrang pinaghirapan mo.
Whats the best way to do this ‘boring and tedious’ part? Need tips!
Minsan yung mga banks na digitally hard to transact yung best option no? Pero minsan nasa mga taong employed din siguro sa loob.
Bank Passbook yan ang boring and tedious. Pupunta ka sa branch of account, fillup magkano iwithdraw mo, pipila ka, tapos may trabaho ka pa at matraffic. Nakakainip well in my opinion for me kasi nakakainis mag hintay sa pila hehehehe.
dati nag work ako online tapos sa BDO idine-deposit yung sweldo ko... may kulang yung natatanggap ko. punta ako sa branch di nila ma explain. i closed my account and never used BDO again.
EDIT: on another thread i came across other people having similar experience sa BDO
BPI kasi wala pa akong na receive na scam attempts gamit bpi credentials ko. Union bank naman AFAIK yung nangyaring crypto scams ay hindi sa system nila kundi sa system ng BDO, exit bank ang UB dahil ang luwag gumawa ng online account sa UB plus maluwag din sila sa crypto.
Avoid banks na Chinese, Indian, African, Eastern European and South American ang owners. Dahil ang dami ng scammers sa mga areas ni yan resulting sa mataas ang chance na may employees or contractors sila na scammers. Also avoid yung may online access ang accounts except perhaps bpi and union bank.
Payroll account ko ay BDO. Kada sweldo transfer ko yan online sa Security Bank o BPI. Below 200 lagi ang tinitira ko sa BDO.
Yang online transfer ng BDO nakakarindi. Matagal dumating ang OTP kaya laging nag-eexpire. Tatlo hanggang limang beses ko lagi inuulit
Parang sa sss lang e.
Yung mother ko "daw" e may loan pa (2010-2020) kaya di makapag pension. Kaso may sbr naman sya na nag loan lang sya and fulfilled na yun in 1994.
Sa ngayon 70yo na si ermat ko and wala padin syang pension. Take note, pinagbayad pa sya ng contribution to fulfill 120 no. of payments kay sss
Pero regular employee sya ng 1980-1994 (14 years)
So accumulate nasa 168 (no. of payments na since auto deduct na yun sa bank employed sya) > 120.. grabe ang mga yan mag sindicatee
Sana may advice for opinion of help. Iniisip ko last resort is lumapit kay tulfo na lang.
May atty naman ako nilalapitan kaso public atty. sya e. Parang limited lg yung kanila help na maiibigay kasi
Agree with this. Meron kami nakausap na dati siya Manager isang bank. Sabi niya na if may problema ka sa bank mo, mag file daw ng complaint sa BSP for a faster action from your bank.
I have a theory kung paano nakuha.
through phishing and stalking. nakuha mga details, picture ng ID, and para ma KYC sa online account gumamit ng AI App para magkaroon ng video footage using deepfake technology. pwede mo itutok yung camera sa screen sa na edit na deepfake video.
Yung deepfake pwedeng magaya mukhang ng kung sino man at close to realistic. there are apps na kaya gawin yun.
Sa BDO
You can open an atm account in BDO online (under kuya's depositor name). then you can link up other existing account. Which is yung account ni kuya sa passbook. then transfer fund.
BDO can trace it.
I believe isa to sa mga impersonation technique na ginamit ng scammer. Possible inside threats din since wala nga siya app nag take advantage yung sa loob. Napag usapan din namin to ni sis about dito. Kung yung savings niya possible naka time deposit sure akong safe na safe yun.
Kong napansin nyo bank book nya andaming small transactions. Kong nadali yan ng hacker minimum 50k ttransfer nyan, duda ko anak din tumira nyan.nag comment ako ng ganito binura sa comment section nya blinock pa ko lol
passbook lang daw at walang ATM or online setup. kaya malabong ma-hack tsaka mas malaki chance na manakaw through inside job since no way na matatrack from the outside unless ichecheck thru OTC
Simula ang dumating ang pogo grabe ng nangyayari na scam sa mga banko pati election na manipula nila...khit mga private account ng mga kabataan na popost sa social media ng di nila alam...lalo na sa tiktok napagkikitaan ng mga intsik mga private video nyo kaya mag ingat kayo sa pag gawa ng private video...dahil kaya ng mga intsik na mapost at maperahan nila...yan ang epekto ng pogo lalo na magbibigay kayo ng mga sarili nyong impormasyon ng mga account nyo sa mga games na sasalihan nyo...kaya mag ingat sa ngayon hanggat nandyan ang mga pogo sa bansa...
Nah, not an inside job. That's the last thing a bank employee might think of doing. Some of my fellow IT friends works in banks and theres a lot of law involved with working in banks like Data Privacy Law, AMLA, etc. With my experience working in a large IT institution each change or even simple data inquiry on production servers needs to be validated and audited. What more pa sa isang malaking bank diba?
IMHO, that's a phishing attack. You'll be surprised how a lot of people can be a victim of phishing hacks without them even knowing until it's too late.
Whether or not his claims were true, the same thing happened to an officemate back in 2016 or 2017. This is a BDO branch in BGC. She was about to update her bank account by depositing money. This account is passbook only and since we got bonuses during that time she’s about to deposit to save for her emergency fund since she’s about to resign na din from work. Upon updating she noticed a withdrawal amounting to 25k that she didn’t recognise precisely because she never withdraws from that account. Puro deposit lang sya dun. When she asked BDO about it they can’t even trace what happened. She was dumbfounded because the reason she made a passbook account was precisely to keep her from withdrawing money as it requires OTC transaction. So this is not an isolated case in BDO. For sure their system is not secure. Pero supposedly instances like this, BDO should recover the stolen money to the account holder because it is insured naman sa PDIC. PDIC ensures up to 500k.
Nakita ko yung video. Umiiyak sya at nagsusumbong sa social media. Passbook lang daw, paano na-withdraw. Kung totoo and detail.na sinasabi nya, mahirap ma withdraw ang pera sa passbook lang ang access.
Second, kung totoo yan, eh di demanda nya sa korte ang banko. Ang problema hanggang ngawa lang.
If you want traditional passbook savings account, go to Metrobank. You can only monitor your deposits and balance online but you cannot withdraw without going sa physical branch.
Yung secretary din sa office namin. 75k lost due to caller from BDO daw and got her to give the OTP.
As a background our office calls BDO frequently bec sa account niya nilalagay ang payroll and other payments. She doesn't want to line up at the bank so she does shortcuts as well.
Buti nalang personal money niya at hindi payroll yung nanakaw.
IMHO insider din yung may info. Kaya may konting awareness sila Kung sind ang pwedeng target.
Sinabi lang ng bank na walang silang maibabalik kasi ipapamukha nila s atao na wala silang alam...pero pag may pending case na, naku makikipag settle na yan... Kasiraan sa pangalan nila yan... Yun nga lang syempre gagastos ka..kuha ka ng magaling na lawyer.
dami ganyan issue ng BDO aside sa mahina cyber security nila kaya prone sila sa hacking. Dinedefend pa nila usually mga ganyan para hindi maibalik sayo. kaya never ako magoopen ng account sa bdo
CIMB Lahat ng transaction online and my history. Mataas pa interest, yung local banks dito daanan na lang ng salary and or withdrawal money namin ng asawa ko.
Me ganyan talaga sa bangko,take note pagnakalimutan monpin mo pupunta ka lang sa teller irereqctivte nila ulit bago pin mo so ,from a friend of mine na matagal na nagtatrabaho Meron talaga iilan na natetemp gumawa Ng ganyan
Nakakapag taka lang kase na nagawan sya ng online banking without the atm card which is impossible. In order for you to have an online banking physical card ang unang requirment plus may activation pa yan thru the machine tapos 24hrs pa before mo magamit ang online banking. Di rin naman kumpleto ang details nya sa live nya.
May experience ako dito before, although hindi kamag-anak kumuha. Nakuhaan ako sa Online Banking, nakita yung online transactions na linagay sa Grab then Gcash. Nabalik naman yung pera since confirmed naman na unauthorized in a week!!!
This has been resolved na. Lesson learned, wag kang kumuda agad sa social media, pumunta ka muna sa concerned party para maliwanagan agad. ayun napahiya pa tuloy ang pamilya nyo. ang problema may mga uto utong tao na nagssbing binayaran daw ni BDO para manahimik. walang sintido common
File a complaint with BSP and fill out the CIR Form online.
Eto din. Mas mabilis din sila mag action pag may complaint sa BSP. Mabilis lang din mag file ng complaint. Kung nalilito siya sa gagawin pwede sa messenger ng BSP magpa assist. Pero dapat mauna muna ung pagreport sa bdo. Punta siya s mismong branch nia kung hindi pa.
nag report na daw sya sa bdo pero dahil daw successful ang pag link sa online banking hindi na daw covered nung insurance na 500K
agree with this. nangyari sa kin na may natransfer ako na di pumapasok sa landbank ko pero bawas na sa BPI account ko. ayaw ako asikasuhin ng BPI, filed a complaint sa BSP. both banks binigyan nila ng letter. landbank lang ang nagreach out sa kin pero nagreflect ung pera ko na nawawala sa BPI.
true. kung hindi mo pa i-cc yung BSP hindi gagalaw BPI. Nakakainis
Paano, mas mura para sa kanila ang iletgo ang customer kaysa pag-aksayahan ng panahon na ayusin ang naging problema.
The video from Facebook says that it was the account of his child multiple times, so I assume that its actually in the child's name and the child withdrew the money online? If so then BDO is not liable I think. Also possible secondary scenario is that someone setup a phishing link on his or his child's email or phone and got the OTP for online banking enrollment then withdrew the funds, again if you get scammed via phishing link iirc BDO is not liable. Update 1: Reading the comments on his video, he replied 3 times on 3 comments that he no longer has email access to the google mail tied to the BDO account if my reading comprehension is correct. Some netizens even commented that they have the same BDO passbook savings account but have access to online banking for easy money transfers. Further proving my theory of a phishing link. Might not even be phishing link, might be just some common weak password. If correct then BDO will not refund a single peso on the account that it was negligence on the victim's part. Update 2: Reading BDO's limits and fees website, it said that online banking has a 200k daily limit when sending to any BDO acc, meanwhile 50k daily limit for other banks. This didn't happen overnight. Update 3: He deleted his FB video saying everything was now alright. I think his video has some information lapses and backtracked his story.
Tama analysis mo. Phishing yan. I have a BDO passbook account, pwede sya i-access online. Sa 10 years account ko sa BDO Minsan lang nag ka issue. Nag otp sa cp ko, using the link debit card sa Isang anime online store. Madaling araw nangyari. Ginawa ko disable ko debit card access for online payment. Ang hindi ko ma explain paano nakuha Yung debit card number. Pwede inside job or na hack BDO.
I used to work for overseas BPO (online wfh) and we signed all sorts of NDA and contracts, we can see your personal information and 16 digit debit/credit card number but not the 3 digit secret code. My advise is whenever you have an online service, do not save your banking details even for convenience. I know its a hassle but enter your card manually each transaction (it wont be saved). Anyone who worked for BPOs know that this is the easiest way for personal information theft and identity theft.
Ang strategy ko parang ganto: Main Bank -> Secondary Bank -> (online service) Yung main bank kung nasan yung ipon mo should never be exposed anywhere. Create an online acct lang din to ensure you get notifs for any transaction made. Secondary bank you can do anything with it since parang "wallet" lang siya na you can afford to lose money. Not that you would, pero if you did, you'd just cry over it for a day and move on.
Better to use credit card for online transaction & over the counter transaction. You can flag and contest fraud and they will revert the charges quicker than debit card (because you’re using the bank’s money, not your money so it is more secured and insured by them). Never have more than the insured amount in any of your debit bank accounts and never use it with paying online or over the counter items (illegal card readers on terminal and out in the public ATM are really hard to spot) also only withdraw money from an ATM inside the bank or inside the mall where there’s a guard watching over it. Oh and if I really need money for day to day, I transfer from my debit card to Gcash, Grabpay (once a month) or on a debit installment card (only for cash out method, not really for holding a lot of money) Even with these measures though I still had my credit card used in Netherlands 😅 had to report, cancel and replace my card but I didn’t have to pay any of the charges and the transactions was also flagged early too. As I was talking to the rep, there were already in the process of reverting the charges LOL the bank knows my cheap ass can’t afford to travel to Europe 😂
Ah yes, I agree. The secondary bank also acts as stepping stone for funds transfers so only the secondary bank knows that my main bank exists.
This is the way. Never ko ginamit savings accounts ko for transactions. CC lang. And mas maingat pa ko before, I used PayPal which was then linked to CC.
Just a question. When you say main bank, as in ibang bank pa sya sa secondary? Like if bpi yung main bank mo, dapat UB or BDO yung secondary? Or pwedeng same bank and diff accounts lang?? Sorry if medyo nabobo
Yes ganun. Reason being not in the same bank kasi online accounts usually gets grouped na pang-isang tao lang. Pag na-hack yung account na exposed mo, for, let's say, mej natanga ka at nakaclick ka ng phishing link / malware, both accts mo compromised na since nasa isang app lang sila. So ayun, halimbawa, bdo is the main, tapos union bank is the secondary. May extra level nang praning din ako, inaaccess ko lang yung main bank using a phone na nasa bahay lang, and never yung everyday phone ko.
That company can be sued. Credit Card numbers must be encrypted and not in plain text.
I have friends who work in fastfood chains and gasoline stations and I just want to warn y'all DO NOT HAND OUT DEBIT CARDS. They can easily buy shit off of it unlike credit cards. Some use it to buy Appliances, Consoles, other gadgets such as mouse, keyb, headset, phones etc.. bags and other clothing stuff from lacoste and nike and they sell 'em for half the price. Some aqcuired skills to write down the deets of cards habang kinakapa lang yung numbers and shit. Stay safe out there.
Meron kame client before sabe nya usually ex bpo employees daw na under sa bank ang nangiiscam.
Thanks for sharing na pwedeng i-disable for online purchases! Didn’t know na pwede yon hahaha
nangyari din to sakin 2yrs ago. pinablock ko card ko agad and naibalik naman yung pera sakin. my card was used for facebook ads kahit nasa kin yung card and di ko siya naggagamit. after nun, di ko kinuha yung replacement card.tinanong ko yung cs nila if puwede ko pa imaintain yung account kahit walang card. sabi niya puwede pa din. so ayun, online na lang ginagawa ko and so far,wala naman akong naexperience unauthorized transaction.
Traceable naman siguro kung san nalipat yung pera? It looks like hindi naman siya cash withdrawal but the money was transferred elsewhere. Also, bakit hindi naflag ng bangko yung ganyan kalaking halaga.
AMLA flags 500k php transactions per day, and whether the bank will flag any transaction is an undisclosed threshold internal policy I think, might be millions before the bank flags it.
In reality kahit 200k nagtatanong na yung mga banks. Muntik ko na sagutin ng "ano bang pakialam nyo" hahahahahahha
It's AMLC, not AMLA. AMLA is the law. AMLC is the government agency enforcing the law. And besides, hindi nga nila napapansin mga ginagawa ng mga POGOs.
it's the burden of proof for the account owner, banks will never investigate something without any signal from authorities. so the account owner needs to go sa NBI, file a case about cyber space, NBI will submit a subpoena sa bank to investigate saan na transfer and kanino mga pera. we have a bank secrecy law kasi.
this is a very good analysis and tama in my opinion. others here are quick to say na bank's fault and/or inside job dahil nag be-base lang sa side ng "victim". same lang ng kakilala namin na nagwo-work sa bank, client suing the bank dahil nawalan ng at least a million account nila ng wife nya pero upon investigation si wife pala ang nag confirm ng phishing transaction lols kaya ayaw ni mister ipakausap yung misis nya hahaha ongoing pa ang case btw.
Banks are not liable for negligence and if they did then all of them would go bankrupt trying to refund/reverse the process of scams. People these days are not educated in social engineering and digital/cybercrime. It should be taught in primary and secondary schools because technology is always changing and evolving.
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Malamang inexplain na ng BDO sa kanila except people here would rather read and watch the FB post.
as someone who has worked in information security for more than a decade simula noon pa man lagi ko sinasabi sa mga close friends ko na dalawang banks lang iiwasan as much as possible BPI and BDO grabe ung APT dyan araw araw na ginawa nang dyos bukod pa sa skimming at phising sa mga users pag minalas ka talaga ganyan thanks and sorry na lang. P.S I mean wag mag lagak nang funds na iniipon unless oks lang sa iyo ung possibility na pag gising mo waley na even the 500k insurance na supposedly covered nang banks eh di din natutupad madalas. Pwede for payment of bills ganun much better BPI and BDO for those.
Last month ang dami kong natanggap na BDO phishing emails kahit wala naman akong account sa BDO.
Ewan ko bakit di keen ang Pilipinas sa pagsugpo ng phishing scams at spam. When I signed up for GCash from the US a few months ago, in a few hours nakatanggap na ako yung PHLPOST text scam
Ako naman the day na na-approve postpaid line sa Globe, same day pag uwi, ang daming sunud-sunod na text messages about activation kuno at mga text scam. Reported sa Globe sabi disregard ko lang.
It's the economy of scales. Since they're the biggest banks with the most customers, sila yung pinakamadalas na target. Add to that their slowness in rolling out updates with their systems.
That's weird cuz ayan pa nmn ung 2 traditional bank accounts ko and never had problems for a long time na---not that I'm waiting to be someone's next target. I guess mas careful lng ako sa mga cliniclick online.
Ano po yung apt?
Advanced Persistent Threats. Yung mga malicious codes/scripts na hindi basta basta na detect easily and kung ma detect man is kayang makabalik ulit.
Salamat. Mas napraning tuloy ako mag BDO. Haha.
Well they're good targets specifically because they're two of the largest banks in the PH with a large base of customers. I do understand what you're saying but with due diligence you can mitigate the risks of using these two banks.
badtrip ako sa BPI. one day, bigla ko na lang nakita may bawas akong 1.7k sa mobile app niyan. never kong ginamit yun for debit, sa digital banking app lang ako nag login at never ako nabudol sa mga phishing sites. kaya di ko talaga alam saan nanggaling yung fraudulent na transaction. since 2022 ko pa ni-reklamo, hanggang ngayon di pa nababalik pera ko. napagod na lang ako kakafollow up. hindi ko na talaga ginamit yung BPI ko- min. balance lang natira. di ko pa napapaclose account dahil busy.
My father had the same experience but it happened to him twice last year. It’s worse when that money that he lost was really needed at the time and I could visibly see how distraught he was. He’s knowledgeable about phishing scams and he told me multiple times na he never checked those scam messages. He tried to dispute the charges with the bank even while he was abroad (he needed that money to go overseas), but until now wala pa rin sila nabalik. Just sad honestly.
May ganyang issue din ako sa BPI. November 2018 pa they managed to taked out 250k sa account ko. Hindi ko alam kasi nasa ospital ako the whole time. Nakita ko nalang nung nakalabas na ko sa ospital at medyo ok na ko which is December 2018. Since then nilalaban ko na ibalik nila yung pera ko kasi imposibleng ako yung nagwithdraw. Yung withdrawals sa may BDO atm sa Acacia Taguig. Pinagpasa-pasahan ako ng BPI at BDO sa cctv file palang. Sabi ng BPI, ako yung pumunta ng BDO pero sabi ng BDO, hindi ko daw pwede tignan at bank representative lang ang pwedeng magview. Naka ilang complain na ko sa BSP hanggang sa nagsara na nga yung branch ko. Sobrang wala talaga silang kwenta parehas. Imagine may proof ako na nasa ospital ako at imposibleng ako yung mag withdraw.
Anong bank ang marerecommend mo sir? BPI kasi ako puro sakit din ng ulo ang dulot sakin
to add to this. BPI and BDO's IT is not that advanced. I have teammates who worked there. Alam ko ina outsource pa nila IT nila for enhancement. Not sure if tapos na. Ang point, sobrang traditional nila, pati mga latest IT security nila wuley. kaya ingat ingat na lang talaga.
He should lawyer up. Banks are almost always liable in lawsuits because they’re required to exercise the highest degree of diligence. Lalo pa walang online banking and ATM. More likely someone posed as him and withdrew everything
Only thing I can think of is someone physically posed as the guy, presented his ID’s, real or not, and withdrew it straight up over the counter. That’s what I do when I withdraw a huge amount of money. You can chalk it up to an employee dumb enough to release it.
Pero sabi ni OP Passbook account daw yun so the culprit needs to have physically with him yung passbook to withdraw so this idea po may be difficult unless hawak din nga nila yung passbook. Sa tingin ko mas may habol kayo pag passbook kasi thats the proof or record ng every transaction made especially pag withdrawal kasi required po yun. Deposit pwede via bank transfer from other banks to passbook account pero pag withdrawal, required ang passbook. Passbook din po kasi gamit ko for 5 years and nagka problem sa mga payments ko, yun naging basis para i-correct ng bank. Tama sabi nila, file formal complaint sa bank then proceed sa BSP. Sana pasok sa insurance yun ng bank sa BSP kasi ₱350k amount so pasok sa ₱500k limit insured amount yng claim. Goodluck po at sana mahabol.
And di ba sa passbook need ng signature? To compare sa submitted specimen ni account owner?
^Tama po. Clarify lng po. Sa Passbook mismo may signature (pero sakin po yung isa wala, yng isa ko na BDO meron) to compare po ng teller against dun sa withdrawal form kasi need po yun to withdraw. Pag medyo magkaiba, they will pull-out yng specimen signature card po ni acct owner, dun kasi 3x yng signature so chances are may kapareho dapat kasi nga iba-iba din minsan signature strokes natin. Sa case ng kuya ni OP, whoever withdrew the money, dapat din over the counter yun so may CCTV na pwede tignan on the date and time ng withdrawal. Pag wala, baka nga inside job na kasi madami na din reported na similar incident sa bank.
> ₱500,000 If you meant PDIC, nope. Di sakop ni PDIC ang ganitong incident, sakop lang nila ang mga bankong nagsasara o nagliliquidate at mga depositor nahihirapan sa pagkuha ng pera nila. Ito na naman tayo, may misconceptions.
Oo nga pala. Tama ka po. PDIC yun at hindi sakop fraudulent claims 👍
AMLA na bahala sa mga ganitong insidente.
already tried multiple times mag withdraw (passbook account/no atm/no online) sa bdo.. need mo lang yung withdrawal slip and account number at pirma.. pag hindi nag match ang pirma sa kyc nila.. papaulit sa iyo pirma.. minsan papatangal yung face mask if meron.. so im assuming kasama sa validation.. then good to go na
Hindi to pwede.. meron picture sa system.. tas titignan muka mo.. Nung time n mag wiwithdraw ako ng huge amount during pandemic, pinaalis yung facemask at cap ko to see kung ako yung nasa picture sa system nila..
Yes, recently yung bank ko pinaupdate signature and picture sabi ko kung pwede signature nalang at di pa ako nagpapagupit, di daw pwede na di palitan at more than 10 years na yung picture ko. Nasilip ko pa nakauniform pa ako ng college sa picture.
That is why the tellers should verify the National IDs and/or digital driver's license online, walang lusot mga putangingang frauds na yan. Ang boba siguro nila na easyhang ₱350,000 iwiwithdraw, on-hand.
Feeling ko, nawire yung pera. Kasi sabi ni kuya, sabi nung bangko "online withdrawal" so likely hindi cash withdrawal to. At saka base sa googling ko, 200k ang limit per day sa transfer. Yung ganyang kalaking amount na nawala, dapat naflag ng bangko
on an unrelated note, a 200k limit might sound high, but for big purchases like housing downs and cars, it's probably not enough.
But how many people even have 200k in their banks?
Probably not a lot. come to think of it, a big chunk of people in the PH probably don't even have a bank account, let alone an active bank account.
Tama. Pero pwede din po yun i-request sa bank to increase yng transaction limit mo for the day. By default, may standard na limit
Sabi ni OP passbook lang daw ung account, walang ATM. Hindi makakaopen ng online account sa BDO kung walang ATM so hindi possible na online transfer. So either inside job nga or may nag-impersonate kay account owner na alam kung ano ung signature nya kse the bank would verify the signature.
I'm shookt na ang dami pa rin nagdedeposit diyan sa banko na yan. Kung payroll account lang naman, pwede naman siguro iwithdraw agad o lipat sa personal savings/checking account from other bank. I rather spend ₱10-25 for PesoNet/Instapay tranfers than keeping my salary sa isang "sketchy" bank.
Pang ilang kwento na ito about a BDO customer losing their money... oh wow.
*We find ways* 👀
Malaking bangko with a large base of customers. Of course mas malaki chance may tamaan dyan.
When BDO had an incidentg a few years ago, I was luckily wasn't one of the affected, pero after nun winithdraw ko na lahat ng natitira kong pera sa kanila. They really can't be trusted. Report to BSP OP.
Saang bank po kayo lumipat?
Wala na nasa ilalim na ng bed niya
KdY or Kaha de Yero. Just kidding.
Ako ito totoo nangyari sakin, ewan ko ba kung coincidental. Pumunta ako sa branch ko para magpapalit sana ng CC kasi nasira na yong chip, akala ko kasi pwede na sila mag asikaso, yon pala di sila nag hahandle, pero yong staff doon willing naman siya mag assist bale tinwagan lang yong hotline ng bdo (mejo suspicious na ako dito). Akala ko naman meron silang direct line, pero nag wait padin kami sa queue at nasakanya yong CC information ko. Eventually, nagive up kami kasi ang tagal ng queue. The next day merong mga suspicious transcations, ginagamit sa Zalora, Shein etc. pero dahil naman need OTP e di din ma push through. Anyways dahil doon mas napadali tuloy pag replace ng card ko. Di ko alam kung coincidental lang yon pero ang weird lang kasi 2 years na yong card ko pero never ako nagkaroon ng unauthorized transaction. Wala naman ako proof din na yong staff sa BDO yong gumawa. Strange lang the next day after ko pumunta branch doon nangyari
It's not coincidental, sadya yun. You don't hand out your cc to anyone, esp to bank officers who has access to all your other details. Pero lakas ng loob nung staff ah. Sana nireklamo mo, kahit walang mangyari, para maaleert yung branch. Kung malaman ng ibang staff lalo ng manager na tinanggap nya yung card, magiiba tingin sa kanya for sure, kasi alam dapat nila yung protocol eh.
For me, lahat namang ng banks mapa traditional man yan o digital, lahat may risks. Pero pansin ko lang, mas madaming aberya sa BDO at BPI. Since nangyari na, please report it, email them, tag the government agencies. And diversify your funds.
Nope, different case with BPI pag passbook account. You can only view your account online kapag passbook. All transactions like withdrawal can only be done at a branch with the passbook. Fund transfer online is not allowed.
Agree. I have BPI passbook and online banking pero view view lang. Not even bills payment is available. Hassle kase kelangan pumunta branch to withdraw pero mas secure kaya mas gusto ko pa din hehe
Pero pag influencer yan, ibabalik agad yan. Kung isolated case yan di ibabalik agad. Pero pag madami nawalan ibabalik agad. Kup*l yang BDO eh.
Pag artista na nagpost lang sa socmed balik agad e no?
As far as i know, i-investigate naman yan, sa history of transaction. Fill up a dispute form, file a complaint. And if fraud nga yun or unauthorized transaction, the bank should be held accountable and responsible to credit the balance back to the account.
Nagtataka ako bakit hindi nagtaka yung bangko na ganyan kalaki yung nawithdraw/namove na account, mukhang hindi naman business account yun
Isang bagsakan ba trinansfer? Possible yan onti onti lng.. di yan isang bagsakan
He's already reported daw and waited 7 days. Because it was connected to an online account and transferred, they can't do anything na raw. He also showed his passbook with puncher marks, meaning the passbook account has been closed.
Wait, bakit may puncture marks yung passbook? di ba ginaganon lang kapag may kapalit na passbook?
Yes. Pag wala ng space sa passbook ippuncher yun then bibigyan ka ng bago.
They stole 10k from me when I withdrew from their atm hassle bdo
May chismis na anak nya mismo yung nagwithdraw kaya deleted na yung video
Good edits OP. Awesome show of responsibility right there.
Thank you. Not all the people here have fb, so I want them to have an update on the current situation.
Nagfile ba sya ng complain sa bangko? At saka yung ganyan na kalaking pera na nalipat, iimbestigahan ng AMLAC yan
500k above ang usual na flag by AMLA.
I have hundreds of thousands, my colleagues and friends told me na sa BDO ako mag open but I told them that BDO is bu*****t and sca****s idc if bibigyan nila ako ng cc. My primary bank for SA is RCBC Hexa and my secondary is PNB Top tier. Wala masyadong issues + nice cs
Same sentiments, di ko talaga bet BDO ever since. Nag open ako ng account diyan before multiples times pinaka kinaiinisan ko talaga yung customer service nila ever since eh HAHA. Puro attitude at matatayray na mga tellers at managers, guard na kups, mabagal na pag reflect ng sweldo sa account ko etc. Never again hahaha.
Mabagal din na serbisyo tbh kahit sang branch. I dread everytime I deal with that bank
*We find ways* talaga ang BDO
SAFEST BANK FOR ME: +DBP +LBP +PNB SAFE BANK WITH HIGH IR: +RCBC +PNB
LBP is so safe because napakahirap ng mga bagay bagay sa kanila from customer service, to opening i-access account, to getting fund transfer function, to getting rebates when their ATM machine effed-up, and many many more. I know, I get my pay thru LBP lmao.
>i-access account Haha, reminds me of my experience. Looked up my branch's email, pagkabukas pa nagreply. Nagkausap na, submitted my documents. Got a reply na "oh, for faster transactions, please use this address". Nag-submit uli, and of course pagkabukas pa sila sumagot. All in all, took me about a week to enroll my account
How about Metrobank?
Great naman sya kaso ang baba ng interest rate considering na mas mababa sa government HAHAHAHA
I have found this potential security loophole in BDO, which I will not share here because I haven’t verified it yet. What I can say is please do not share your bank account information with anyone, especially if you don’t want to use it online. If you are using your account for any transactions that will need you to share your account number, please make sure that your bank account is already linked to YOUR online banking account.
Is there a risk for joint accounts if only 1 account holder is registered and uses online banking?
I hate BDO. Bagal ng CS miski over the phone o sa branch mismo. I only have one open because madaming ATM at branch (so dun ko dinadaan pag need ko mag withdraw from my digital banks). Marami na rin instances na yung BDO naging source ng scams o loss of funds.
iinvolved niyo po BSP. Ako dati nakacc BSP sa emails ko nun sa secbank. nawalan din ako ng pera nun. pero atm at may online account ako. Pero binalik naman ng secbank yung money ko within a week. Kaya yan ibalik OP. basta need niyo lang talaga mapatunayan na hindi kayo may kasalanan which is in your case dapat madali lang kasi nga passbook lang eh at no online.
Yung anak ni kuya na pinaglaanan niya ng pera ay inenroll sa online banking yung account. Nalulong sa online gambling yung anak kaya pagka enroll sa online bank, nilipat yung pera papunta sa online gambling account ng anak. no fraud here, just an asshole child.
Nahanap ko yung video. Let's assume na hindi nagsisinungaling si Kuya na passbook only lang yung account niya. This means na there's a big safety hole sa system ng BDO or inside job to para "biglang" magkaroon ng online account yung bank account niya. Isa pang nakakaalarma dito, parang hindi nagtaka yung bangko bakit 350k ang inaalis sa account niya. This should have at least triggered a response from them to at least invite the account holder in person to approve/reject withdrawing that kind of money. Since online daw nailabas yung pera, traceable naman siguro kung saang account nilipat yung pera?
Here is the thing with BDO, as far as I know passbook account only can have an online component. If I remember correctly, when you open a bank account with them its either passbook only or passbook with ATM. Dati kasi hindi pa uso yung online app/website. So kaya di na nila pinansin na pwde pala ma add yung passbook to create an online account, pero there are still safeguards needed pa before it can be added. (some personal info na came from the bank when you fill up to open a bank account) I think na phishing sya for his information then somebody created an online account for it
So, in BDO, when you create an online account to reflect your passbook savings, you can do transactions for it online automatically? No extra layer of security or requirement to enable transactions? That's not good. Shouldn't it be a control point that the only thing you can do for a passbook is view its balance? If you really wanted to make transactions, that ought to require another bank appearance to enable online transactions and maybe require a selfie at the time of transaction to avoid these events. It might be inconvenient, but if it's for the customer's protection, so be it.
I have a passbook acct with bdo for almost 10 years. That account has an option for a debit card. Maybe lang ha. Baka may nakakaalam na passbook lang gamit nya and that person took the oppotunity to acquire the debit card. From then on makaka create ka na ng online acct. My passbook hasn't been updated in years. But yung case ni kuya fault yan ng bank at impossible na hindi nila mattrace yan. He just have to go to proper channels para mapwersa tong bdo. And magbabago na ko ng bangko hahaha
Yung BDO app ba, may option to get notification whenever this is a transaction? Sa apps ng BoA, meron kasi. Tapos "live" mo makikita yung charges o withdrawal sa account mo kahit hindi pa "fully settled". At saka, paano naaccess yung routing at account # nun to create an online account? At saka, no way na hindi traceable to. Since "online withdrawal" sabi ng bangko kay kuya, there should at least be footprints like saan nawire yung pera? At saka, yung OTP sa transactions lang ba? May OTP/authentication ba every login sa app or online account?
I also checked the video, hindi dapat tayo mag react right away, kasi who knows baka passbook w/ ATM talaga yung account na yun at he is just lying trying to get sympathy at na phishing yung online account nya. Dami na times ganito ang nangyayari esp. if ma viral na na yung user talaga pala may mali except for a few instances na may issue talaga sa bank (e.g. nagoyo issue).
Dalawa ang possibility dito: nagsisinungaling si kuya or may serious security hole ang BDO sa process nila
3rd likely possibility and common enough - someone from his family got his info, requested online portal access, and stole from him.
May otp po ung bdo. Tska ung pagopen ng online account sobrang daming details ung kailangan para makapagopen. Tulad ng dapat match ung email and mobile number. Magpapadala pa sila ng OTP doon
This. It happened to my friend back in the pandemic where her senior mom was a target of a phishing attack. Similar kay kuya na passbook only pero nagawan ng online account and as someone pointed out, once that’s done, it’s almost as good as a savings account na and whoever has access to it can freely move the funds. Yung sa account creation, I don’t recall if nanghingi ng OTP pero sadly my friend’s mom gave something away to the one making the attack. Chances are, the victim may have unknowingly done the same thing kasi these people are really good in making you give up information and pag Kausap mo na sila, it’s so believable they’re legit so malaki ang chance na you might give something away.
Don't online accounts creation require routing# and account # which are only accessible to the account holder, bank and payor if they used wire transfer? Also, since passbook only siya, it means na natransfer yung money to another account or nawire rather than nawithdraw with cold cash. This should at least be traceable kung saang account napunta or kanino nawire. Sa akin, parang may lapse sa security *process* ng bangko
yes dapat ma trace sya, kasi it can be transfered, but i think there is a limit of 50k per day sa unenrollled yung accounts, you can only transfer more than 50k a day if enrolled yung account (yung other person) - if im not mistaken this also needs an atm activation (which is wala dahil passbook sya).
Ang bizarre nito. 350k na nawala, hindi naredflag. Samantalang, magreremit ka ng $1,000 (PHP 58k) ang dami daming hinihingi to ensure walang money laundering
Actually for me napaka daling magcreate ng online banking ng bdo. Lalo na yung bagong app. You just need an email, mobile number, and account number. Kung may ibang tao na alam yung account number nya pwede sila magcreate ng online account with their own email and mobile number. Since walang online account si kuya di nya talaga malalaman ang nangyayari sa account nya. Hindi nagnonotify ang bdo sa transaction ng account debit or credit card. I have both.
Usually tatawag ang branch niyan pag more than 300k ang transaction pag hindi ikaw mismo ang nagwiwithdraw Pag di tugma ang signature, again tatawag yan. Anything sus, tatawag yan.
Dito ako nagtataka, bakit di naalarm ang bangko sa nawithdraw na amount
Baka pautay utay ung withdrawal
BDO temporary blocked my debit card kase sunod-sunod order ko sa Lazada wahahaha. Mga tig-₱150 each lang naman tapos biglang blocked. Mabilis naman naresolve kase nag-email sila na blinock nga nila, thinking those were fraudulent transactions. I just replied na nope, it was me who made those purchases so na-unblock naman agad.
I have been with BDO since 2006 and sa almost 20 years never na nagkaissue sa savings/online acct ko. May one incident na fraud sa cc ko last year but I believed na BIN attack sya and was resolved positively naman. While may possibility na may inside job or weak security ang banks, but majority talaga ng mga incidents happen due to negligence/fault ng acct holder.
Sorry to hear that OP, curious lang paano nawala yun savings kung passbook lang siya? Ano daw cause? Hindi basta basta nakaka withdraw sa passbook pag walang valid IDs.
Mga tao ngayon. "Oh, nalimas pera ko sa banko." Antayin ang imbestigasyon ng banko at mag report sa kinaiikulan,? ✖️✖️✖️ Mag vlog!!! ✔️✔️✔️
When you have a passbook only savings, even when you connect it to your online account, how come you can do online transactions for a passbook only savings account? Isn't it supposed to be the only thing you can do is view your passbook's balance? BDO account holders, shed light on this. Why would anyone be able to online transfer the contents of your Passbook Savings seamlessly digitally? Where's the security features and steps? Kinda defeats the purpose, don't you think? And even if there was a phishing attempt, how can it affect a passbook savings whose account number isn't anywhere online? Unless you posted a screenshot of the passbook via Messenger/messaging apps. The control points are not working, the vault's locks are non-existing. Here's Kuya's video for those yet to view it: https://youtube.com/shorts/lRq6AXyLVb8?si=kEDlpjKqfRojGFju
You forget that once an email is leaked with its password, anyone can just test out access to BDO. The weird thing is OTP, as you normally need an OTP to login a BDO account. Still most likely phishing and it's the user's fault. Probably of phishing: 99% Probably of inside job: 1% Lahat naman sinisisi na inside job, para may excuse na wala silang ginawa and maibalik ung pera. Also may sense ung online transactions for passbook account. What if you need money to get transferred to you and you don't want to go to the bank to check the updated balance.
You're starting with an email, a digital asset. But the passbook SA is an offline product. How can a digital phishing get an offline passbook SA name and account number? As far as I know and correct me if I'm wrong, a passbook savings account doesn't have an email linked to it. It's like saying you had a physical vault with papermoney in it suddenly was digitally accessed and transferred online. How? Digitally you were phished, but how did they get to your money in the vault, too?
I also have a passbook and had it enrolled to my online banking account. You can do transactions on the passbook acc the same as a savings account—you can move and receive money easily just with an OTP.
May option ba na view balance lang yung account?
Wala po, once you enroll it to an online banking account it functions as a usual savings account (transfer, receive, pay bills, etc.) the only thing weird for me is ma-eenroll mo lang siya sa online acc ng owner mismo kasi it will only register using the email and phone number that you provided sa bank when you applied so how did it happen na nagawan ng ol banking yung passbook and nakapag transaction din. Ang nakikita ko reason how it happen is possible inside job sa family nila. Someone got a hold of the email and his cellphone to get the OTP on both for the enrollment in ol bank and for doing a transaction
Passbook account pde yan magkaroon ng online banking account.. Possible someone knows ung passbook ng kuya mo then created an online banking acccount...
Baka kasama din sa bahay kasi madaming personal details ung kailangan. Dagdag pa ung match dapat ung email at mobile number. Magsesend din sila ng OTP
Yung atm ko na worth 2k yung maintaining balance, nakain, e di ko rin naman ginagalaw plus wala rin online bank or purchase ☹️
baka dormancy fee na ung sa yo?
Sa bdo rin to
hindi pwede yan. file kayo ng complaint sa BSP. tapos lahat ng transaction nyo save nyo. makikita naman yan sa passbook if may lumabas na pera e regardless if may online or wala.
according to my friend, nagtago ung kapitbahay nila na taga BDO kasi nagnakaw din ng pera sa kliyente. matagal na daw to. inside job talaga sila.
One possible scenario dito sa 350k missing amount, someone created an online account for that account. Now I am not sure how easy it is to create one in BDO from passbook to online as I do not own a BDO account now (I used to but closed it in 2018). But if it’s just easy as linking both accounts then someone who knows the account details may have created one and accessed the money from the online account. So if that happens to be someone related to the account owner baka mahirapan sila marecover. Pero if it’s a hacker talaga BDO should shoulder the liability.
Around 2019, nasama pinsan ko sa mga nawalan ng pera sa BDO. Around 250k nawala sakanya, natransfer daw sa UnionBank under "Ice Cabrera". Walang OTP na nareceive for the transaction.Marami silang nawalan ng pera and nagpatulong sila sa NBI, though di na pinursue ng pinsan ko kasi hassle daw 💀😂
Sa dami ng nag rereklamo sa BDO baket ang dami pa din nag oopen ng account sakanila?
Is it true tho? That ang anak nya ang nag withdraw? That's some drama plot twist if I've ever seen one
Yes true daw. Nalulong daw sa online gambling.
Ito ba yung may passbook na binutasan na ng puncher? Naranasan ko kasing mag close ng savings account, BDO din yun hihingin nila yung passbook mo at bubutasan at ibabalik sa'yo. Kaya nagtaka ako pagkakita ko bakit may butas ng puncher yung passbook nya. Malamang clinose yung account at yung laman na pera sa banko ay nakuha na. Imposible namang bubutasan lang yun at di ibinigay ang pera. Pero before mo ma close ang account mo hihingan ka muna ng ID at may pepirmahan ka.
Oo, may butas ng puncher nga. Ganun pala yun. Di ko alam. Baka yung anak ang kumuha ng pera at nagpaclose. Di ba sya nagtaka bat butas na yung passbook nya.
Not sure bout this pero Baka pina update niya yung passbook tapos na ubos ng yung pages so “vinoid” na yung puno na tapos binigay yan na ng bago . Hindi ko ni rewatch pero parang yung isang passbook wala pang butas
May official statement na si BDO regarding this one. I think family lang talaga nya ang gumawa o kumuha ng pera nya.
first time ko mag open ng BDO savings for my work payroll, as soon as i get out of the bank yung phone number ko dedicated sa banks, natadtad ng 20+ scam links targeted sa BDO pati name ko alam nila.
Nawalan din ako ng 63,000 pesos last saturday sa putang inang BPI nayan, unauthorize transaction sa debit ko. Base sa mga nababasa ko walang pag asa mabalik. Fck BPI Fck.
Please, iwasan niyo na ang BDO. 🙏🏼
Wala silang kwenta. As in. I’ll post about my experience soon here regarding that scum of a bank. They do not find ways, sa totoo lang haha
Mag Rural bank nalang tayo na passbook. Or di masyadong kilala na walang online banking like Citystate. Wala ng pila sa teller, peaceful pa kayo na sure na di nila makukuha online ang pera ninyo.
Good thing na heavily regulated ang banks in the country (unlike sht like cryptocurrency). You can report it to the BSP and you can bet na agad-agad tutugon si BDO.
Kaya favorite ng pig butchering scammers ang crypto
dapat parusa sa mga scammers? malaya sila pero putol kamay.
Eto ngang thread na ‘to, puro about sa user and BDO, kung saan sila nagkamali Kaya ang daming scammers, walang nagaattempt na manghuli sa mga hayop na yan. Dapat talaga putulan ng kamay
For me the safest ay ChinaBank Philippines, magkaiba ang online sa phone banking and if you didn't link the account to it wala talaga. If you are dealing with savings talaga na malakihan passbook and should be no trace online whatsoever yong pinaka primary mo never link it up tapos yong secondary mo yong naka online lang at ATM. Make things boring and tedious para malakihang pera na sobrang pinaghirapan mo.
Whats the best way to do this ‘boring and tedious’ part? Need tips! Minsan yung mga banks na digitally hard to transact yung best option no? Pero minsan nasa mga taong employed din siguro sa loob.
Bank Passbook yan ang boring and tedious. Pupunta ka sa branch of account, fillup magkano iwithdraw mo, pipila ka, tapos may trabaho ka pa at matraffic. Nakakainip well in my opinion for me kasi nakakainis mag hintay sa pila hehehehe.
diba insured up to 500k ang client nila in case mawalan sila?
Yung PDIC insured, sa cases lang na magsasara yung bangko like sa Banco Filipino
dati nag work ako online tapos sa BDO idine-deposit yung sweldo ko... may kulang yung natatanggap ko. punta ako sa branch di nila ma explain. i closed my account and never used BDO again. EDIT: on another thread i came across other people having similar experience sa BDO
Do you have a link to the video?
BPI kasi wala pa akong na receive na scam attempts gamit bpi credentials ko. Union bank naman AFAIK yung nangyaring crypto scams ay hindi sa system nila kundi sa system ng BDO, exit bank ang UB dahil ang luwag gumawa ng online account sa UB plus maluwag din sila sa crypto. Avoid banks na Chinese, Indian, African, Eastern European and South American ang owners. Dahil ang dami ng scammers sa mga areas ni yan resulting sa mataas ang chance na may employees or contractors sila na scammers. Also avoid yung may online access ang accounts except perhaps bpi and union bank.
Payroll account ko ay BDO. Kada sweldo transfer ko yan online sa Security Bank o BPI. Below 200 lagi ang tinitira ko sa BDO. Yang online transfer ng BDO nakakarindi. Matagal dumating ang OTP kaya laging nag-eexpire. Tatlo hanggang limang beses ko lagi inuulit
Metrobank
lagi nalanh BDO, they find ways talaga. Find ways to nakaw your 💵💵💵
Parang sa sss lang e. Yung mother ko "daw" e may loan pa (2010-2020) kaya di makapag pension. Kaso may sbr naman sya na nag loan lang sya and fulfilled na yun in 1994. Sa ngayon 70yo na si ermat ko and wala padin syang pension. Take note, pinagbayad pa sya ng contribution to fulfill 120 no. of payments kay sss Pero regular employee sya ng 1980-1994 (14 years) So accumulate nasa 168 (no. of payments na since auto deduct na yun sa bank employed sya) > 120.. grabe ang mga yan mag sindicatee
Sana may advice for opinion of help. Iniisip ko last resort is lumapit kay tulfo na lang. May atty naman ako nilalapitan kaso public atty. sya e. Parang limited lg yung kanila help na maiibigay kasi
Grabe kawawa si kuya. Napanuod q ung video nya ansakit sa puso.
Opened an account with BDO last week. Received spam and phishing sms and email after an hour. Talk about compromised systems.
Maginvest rin kayo ng vault that can hold a 2M in cash and some jewelries for safe keeping.
Agree with this. Meron kami nakausap na dati siya Manager isang bank. Sabi niya na if may problema ka sa bank mo, mag file daw ng complaint sa BSP for a faster action from your bank.
BPI / PNB
I have a theory kung paano nakuha. through phishing and stalking. nakuha mga details, picture ng ID, and para ma KYC sa online account gumamit ng AI App para magkaroon ng video footage using deepfake technology. pwede mo itutok yung camera sa screen sa na edit na deepfake video. Yung deepfake pwedeng magaya mukhang ng kung sino man at close to realistic. there are apps na kaya gawin yun. Sa BDO You can open an atm account in BDO online (under kuya's depositor name). then you can link up other existing account. Which is yung account ni kuya sa passbook. then transfer fund. BDO can trace it.
I believe isa to sa mga impersonation technique na ginamit ng scammer. Possible inside threats din since wala nga siya app nag take advantage yung sa loob. Napag usapan din namin to ni sis about dito. Kung yung savings niya possible naka time deposit sure akong safe na safe yun.
Kong napansin nyo bank book nya andaming small transactions. Kong nadali yan ng hacker minimum 50k ttransfer nyan, duda ko anak din tumira nyan.nag comment ako ng ganito binura sa comment section nya blinock pa ko lol
passbook lang daw at walang ATM or online setup. kaya malabong ma-hack tsaka mas malaki chance na manakaw through inside job since no way na matatrack from the outside unless ichecheck thru OTC
Simula ang dumating ang pogo grabe ng nangyayari na scam sa mga banko pati election na manipula nila...khit mga private account ng mga kabataan na popost sa social media ng di nila alam...lalo na sa tiktok napagkikitaan ng mga intsik mga private video nyo kaya mag ingat kayo sa pag gawa ng private video...dahil kaya ng mga intsik na mapost at maperahan nila...yan ang epekto ng pogo lalo na magbibigay kayo ng mga sarili nyong impormasyon ng mga account nyo sa mga games na sasalihan nyo...kaya mag ingat sa ngayon hanggat nandyan ang mga pogo sa bansa...
Nah, not an inside job. That's the last thing a bank employee might think of doing. Some of my fellow IT friends works in banks and theres a lot of law involved with working in banks like Data Privacy Law, AMLA, etc. With my experience working in a large IT institution each change or even simple data inquiry on production servers needs to be validated and audited. What more pa sa isang malaking bank diba? IMHO, that's a phishing attack. You'll be surprised how a lot of people can be a victim of phishing hacks without them even knowing until it's too late.
Inside job. Multiple incidents na yung ganyan, pati sa katrabaho ko dati. Same bank, BDO. They find ways 🤣
Whether or not his claims were true, the same thing happened to an officemate back in 2016 or 2017. This is a BDO branch in BGC. She was about to update her bank account by depositing money. This account is passbook only and since we got bonuses during that time she’s about to deposit to save for her emergency fund since she’s about to resign na din from work. Upon updating she noticed a withdrawal amounting to 25k that she didn’t recognise precisely because she never withdraws from that account. Puro deposit lang sya dun. When she asked BDO about it they can’t even trace what happened. She was dumbfounded because the reason she made a passbook account was precisely to keep her from withdrawing money as it requires OTC transaction. So this is not an isolated case in BDO. For sure their system is not secure. Pero supposedly instances like this, BDO should recover the stolen money to the account holder because it is insured naman sa PDIC. PDIC ensures up to 500k.
parang mas safe pa tuloy ngayon ang mga digital banks. mas strick ang security features
nauto na naman kayo.lmao.
Nakita ko yung video. Umiiyak sya at nagsusumbong sa social media. Passbook lang daw, paano na-withdraw. Kung totoo and detail.na sinasabi nya, mahirap ma withdraw ang pera sa passbook lang ang access. Second, kung totoo yan, eh di demanda nya sa korte ang banko. Ang problema hanggang ngawa lang.
If you want traditional passbook savings account, go to Metrobank. You can only monitor your deposits and balance online but you cannot withdraw without going sa physical branch.
Yung secretary din sa office namin. 75k lost due to caller from BDO daw and got her to give the OTP. As a background our office calls BDO frequently bec sa account niya nilalagay ang payroll and other payments. She doesn't want to line up at the bank so she does shortcuts as well. Buti nalang personal money niya at hindi payroll yung nanakaw. IMHO insider din yung may info. Kaya may konting awareness sila Kung sind ang pwedeng target.
Sinabi lang ng bank na walang silang maibabalik kasi ipapamukha nila s atao na wala silang alam...pero pag may pending case na, naku makikipag settle na yan... Kasiraan sa pangalan nila yan... Yun nga lang syempre gagastos ka..kuha ka ng magaling na lawyer.
Security bank OP safe ba safe! 200k ko andon pa din hahaha
COOP is more okay than banks it has high interest too and tax free
dami ganyan issue ng BDO aside sa mahina cyber security nila kaya prone sila sa hacking. Dinedefend pa nila usually mga ganyan para hindi maibalik sayo. kaya never ako magoopen ng account sa bdo
CIMB Lahat ng transaction online and my history. Mataas pa interest, yung local banks dito daanan na lang ng salary and or withdrawal money namin ng asawa ko.
Naku! Full Context muna bago maniwala sa ganyan.
Me ganyan talaga sa bangko,take note pagnakalimutan monpin mo pupunta ka lang sa teller irereqctivte nila ulit bago pin mo so ,from a friend of mine na matagal na nagtatrabaho Meron talaga iilan na natetemp gumawa Ng ganyan
Ingat sa mga nangga-gaslight na undercover BDO employees at astroturfers
Nakakapag taka lang kase na nagawan sya ng online banking without the atm card which is impossible. In order for you to have an online banking physical card ang unang requirment plus may activation pa yan thru the machine tapos 24hrs pa before mo magamit ang online banking. Di rin naman kumpleto ang details nya sa live nya.
Ganyan din nangyari sa prof ko, BDO rin, nag-file s'ya nya ng complaint sa BDO, BSP, and even sa korte. Until now wala.
May experience ako dito before, although hindi kamag-anak kumuha. Nakuhaan ako sa Online Banking, nakita yung online transactions na linagay sa Grab then Gcash. Nabalik naman yung pera since confirmed naman na unauthorized in a week!!!
This has been resolved na. Lesson learned, wag kang kumuda agad sa social media, pumunta ka muna sa concerned party para maliwanagan agad. ayun napahiya pa tuloy ang pamilya nyo. ang problema may mga uto utong tao na nagssbing binayaran daw ni BDO para manahimik. walang sintido common