BDO Fraudulent Credit Card Transaction Dispute Timeline 2024

Here's the screenshot from BDO's New Mobile App 

To the scammer who processed this TechNextDay Chichester GBR Fraudulent Transaction, I hope you lose your sense of taste and become allergic to your favorite food. I hope that you always fall whenever you take the stairs. I hope that you always have splinters on your fingers. I hope you lose your hair on your head and eyebrows. 🤣🤣🤣

Here's the screenshot from the old BDO Mobile App

To be honest, aside from the lower interbank transfer fee, I still prefer the old banking app especially since it indicates if the card transaction is a pending or posted one. UITF and EIP transactions are also shown in the previous app. Anyway, lotsa time for updates. Hopefully, they'd improve the new app in the future.  

I had to Google what currency GBP is since I'm not even familiar. Here you go, it's Pound. 

TECHNEXT DAY SCAM and my rebate JCB Japan Rebate when we went to Fukuoka last February.  Still love my JCB because of the promos. 

 Despite calling the hotline in May 25, 2024 (Friday), having my card blocked and all, the transaction still pushed through when I logged in in May 27, 2024 (Monday). I really wanted to cry. A friend told me that his dad never got the money back when his card was compromised too. I didn't ask the details but her saying that made me feel anxious. 77k+ was a huge amount. 

Purchase your CVV Sticker here. 

May 27, 2024 (Monday) I kept my cool and called again. This time, I used my phone for the loud speaker so I can do other things while waiting. Anyway, I did what I have to do for this transaction since it should be recorded that I called them immediately when I noticed a fraudulent transaction. It was their end that wasn't able to stop it when it was just a pending transaction during the weekend. 

Btw, aside from the phone call, I was asked to fill out a Transaction Dispute From and send it to the e-mail address they gave. 

May 29, 2024 (Wednesday) and June 2, 2024 (Sunday) someone was trying to transact again with my then blocked credit card. Since the first transaction pushed through, why not try the 2nd and 3rd time, right? Kabwisit lang talaga mga 'to. Di lumaban ng patas. Hindi pa ako nakakapunta sa Europe pero feeling ko, na-Attenzionez pickpockets na ako. 😭

If anything, I'm just feeling relief that my card was already blocked during these transactions and BDO sent OTP requests. Imagine if these got approved while I was asleep or when I didn't notice that my card has been compromised. 3 AM and 7 AM. Dafaq ulit. 

 This was a screenshot from a BDO warning I got last year.

I bought something in the Philippines when I was in Hong Kong and my card got immediately blocked. This is the reason why I'm at ease with my BDO Credit Card because there are layers of protection like this. There's usually a text for bigger than usual transactions, out of the country transactions etc. I was really surprised when the TechNextDay transaction pushed through. No OTP request, no messages to confirm and authorize if the foreign transaction was mine, it was suddenly there. 

I'm pretty satisfied with BDO's response to my first and hopefully last Fraudulent Transaction report. Calling was a hassle, filling out the form was a hassle, e-mailing was a hassle but the overall response was quicker than expected and I didn't even have to show these screenshots to them. 

Calls made to the BDO hotline: 2

Time alloted for calls: 1 1/2 hours each including the wait

E-mail sent: 1

I was always updated regarding the status of this dispute and even if those were system-generated responses, those still gave me peace of mind. I was thinking that this will take me months when the hotline representative told me that the maximum wait is 90 business banking days but the dispute and the delivery of my new JCB Credit Card took less than two weeks. 

I have no idea where and how my card was compromised so I've been more careful with my cards and I've also purchased a CVV sticker. I've been using debit and credit cards for years but it is only now did I sincerely feel how important my card details are. Sobrang praning ko, pati sa restaurants ayaw ko na iabot. HAHA! Kaya okay 'yung dinadala nila 'yung terminal sa table at tina-transact sa harap ng customer. Don't show the card details to anyone, lock your card when not in use, cover your CVV, don't share your OTPs, make sure all the websites you're logging into are legit and safe. Kung gaano ka-convenient mag bayad online, ganon din ka-convenient para sa mga scammers mag process ng fraudulent transactions.

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