Image courtesy of www.blogs.thenews.com.pk
Dear Fashion Pulis,
I am writing because of my father's lost Metrobank ATM card. I hope that from this story, your readers will learn not to trust just anyone even if it means choosing between life and death.
On March 26, my father was rushed to the hospital and brought to the ER (emergency room) because of weakness and difficulty of breathing. He was accompanied by 3 of our neighbors. You see, we do not have relatives nearby. My father lives alone and I work overseas.
The doctor advised that my father needed to be admitted to the ICU (intensive care unit) because his condition was quite serious. He was asked by the hospital for a cash deposit of Php10,000, otherwise they would hold him at the ER. My father had no choice but to give his ATM card to one of his watchers to withdraw the money because obviously, he could not physically do it.
The watcher withdrew the money that night. She claimed, with a witness attesting to her statement, that she returned the ATM card with the deposit receipt and Php1,500 cash to the other watcher who was holding my father's personal belongings. Another neighbor came by to check on my father's condition. My friend who was notified of my father's situation sent me a message right away.
That same night, my friend went to the hospital and asked one of the watchers for my father's Philhealth card. She was given the wallet and in front of everyone took the Philhealth ID card out then returned the wallet to the same watcher.
At 5am, an ICU nurse gave the watchers a list of items that they needed to buy for my father. It was at this point that they discovered that the ATM card was missing! My friend told me about this incident and right away i tried to call the bank to block it in behalf of my father. But to no avail. It was a Friday afternoon Philippine time. I was advised to ask my friend to be the one to do it, to get a medical certificate and go to the branch on Monday to block the card.
I arrived in the Philippines on March 30, and went to a Metrobank branch the day after, hoping that they could shed some light and assist me in identifying the culprit. But they said they could not help me. I was devastated.
I am not filing a claim from Metrobank to return the money stolen but i just want to know who the thief was and then decide what actions to take from there. The bank informed me that there was indeed an unauthorized withdrawal of the amount of Php14,000 but was told that they could not assist me because the PIN was disclosed to someone by the depositor himself.
I argued that the patient could not do the withdrawal himself given his circumstance. From among the 3 watchers and one more who came that same night, I cannot just point my finger to anyone even if one of them was given the PIN. I asked if I could be allowed to check the CCTV but was declined because according to them the CCTV is only accessible at the main branch.
My father is still in the hospital, with hospital bills filing up and Php14,000 short. His ATM could not be replaced until my he "personally" collects the 'new' card from the branch with a notarized affidavit of loss. I guess my father could now say goodbye to his money at Metrobank because he can no longer walk around without an oxygen mask. I was thinking that the bank would at least reconsider and go the extra mile considering my father's condition. But I guess their client's interest is not their priority.
I was told that the risk my father took when he gave out the PIN to someone jeopardized the chance of the bank helping us further - even if the reason was not out of boredom or laziness, but because he was in a life and death situation. Until now he is not aware that his money is missing because that would cause him more stress. That was my hard-earned money and given my father's situation, I have lost every cent to the thief and the bank.
Thank you, Fashion Pulis, for publishing my letter.
Sincerely,
Aminesza
Note: Letter edited for brevity
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Moral of the story: if your relative is old and living alone, make sure you appoint someone you trust to look after his financial details in case of emergencies.
ReplyDeleteThank you for being a smartass and not at least bit sympathetic to her (?) situation. And besides ang problema niya ang pagiging inflexible ng bangko at hindi pangaralan siya sa nangyari na! Bwiset! Magdasal ka na sana hindi mangyari sa iyo yan.
Delete9:19, what's wrong with the comment of 1:13? No one was left with the oldie, they should have been sympathetic of his welfare in the first place!
DeleteThe bank is JUST following the rules. Hindi nila pwede baliin ang rules kahit matter of life and death pa yan.
DeleteThe bank is not held liable for the unauthorized withdrawal since the pin number was compromised nor the bank is obliged to give copy of cctv footages.. i think before blaming the bank why dont she\he just blame himself first?
DeleteHindi kasalanan ng bangko, they're only following their procedures.
ReplyDeleteprocedures na dapat nilang icheck kung tama ba o hindi. may mga situation na katulad nito. ano ang gagawin ng banko? wala lang!!! ses they should take care of there customers as the customers are the source of there income.
DeleteNope! Here in US they have fraud claims. Client's atm was stolen. Regardless if the pin was given, the fact that it was stolen and money withdrawn WITHOUT THE CONSENT of the owner is considered theft and a fraudulent withdrawal. In US and in majority of the banks kahit in other countries, fraudulent claims are implemented. It happened to me Kahit 70 dollar lng, I called the bank and was refunded. My friend lost 1000 dollar from someone who withdraw in her account. She filed fraud claims sa bank and in a matter of days was refunded.
DeletePag sa tatay mo yan nangyari ewan ko lang kung masabi mo rin yan pag ikaw na ang nasa sitwasyon ng letter sender
DeleteAnon 1:14, still they have the discretion and means to help resolve the issue which they did not do on this case
DeleteThe bank should know how to compromise. Pag sikat yan, iba malamang outcome.
DeleteNakapannginginig naman ng masel!!! Sinamantala pa ang isang nanghihina na at mag-isa sa Buhay! Kamatayan ang hatol sa Hindi mapigilang gumawa ng mga kabuktutang tulad nito!!!!!!!!!!
Deletemas importante ba ang policies and procedures kaysa sa tao? tanong lang.
DeleteAnon 2:34: be open minded! Hindi lang sa isang client umiikot ang service ng bangko. Kapag fraud yan, ang malilintikan eh yung mga staff ng bangko. So they nees to follow the policies and procedures!
DeleteKung sa artista yan, yes iba ang kalalabasan. kase may iaappoint sila to take care of everything. Although, hindi naman kalabisan na mag extra effort ang anak to give proof sa bank na hindi nga pwedeng pumunta ang tatay. Tsaka, since she lives abroad, sana man lang naisip nya muna ang mga what if's na pwedeng mangyare anytime. Miski hindi sa tatay nya, sa bahay na lang, sa ibang gamet. Tsaka, may trusted kapitbahay naman siguro sila, kaibigan ng tatay, bestfriend nya na pwedeng ituring na "pamilya" at mapagkakatiwalaan. Oo, mahirap kapag ikaw ang nasa sitwasyon, pero hindi masamang maging handa. Yun lang naman noh.
DeleteUnfortunately ganyan ang mga bangko sa atin, very inflexible at minsan parang mga robot na lang na sumusunod sa procedures. Kapag hindi documented, hindi nila alam ang gagawin at instead na tulungan ka eh papahirapan ka pa. At kailangan notarized at consularized (kapag overseas) at kung anu-ano pang katarantaduhang red tape, And in the end, eh I fa-file lang nila yan somewhere. They need to evaluate their policies/procedures and keep up with the times!
DeleteI work in a different bank. And I handle preferred lane, a lane for clients that have been with our bank so long, they know us by nicknames. Kumbaga, loyalty lane siya. And trust me, even these people who we have dealt with for so. Many years still try to "scam" us. That's why we still have to follow proper SOPs kahit magmakaawa at umiyak pa sila. Because at the end of the day, if proven fraudulent, sa amin ikakaltas yan.
DeleteTama ka anon 5:24! Bank is all about money that we need to ensure that it is safe and we, staffs are not inconsiderate.
DeleteAnd to anon 9:24, ill give you example, lets say im the teller and you are my client na sobrang kilala ko na at pati mother mo kilala ko na rin. since may account ka samin, lagi ka nagtatransact with your mother. What if one day, nagabroad ka then naisipan ng mother mo na magwithdraw sa account mo without your authorization? Sabihin niya, emergency! So ako, teller dahil kilala ko mother mo, sige papawithdrawhin ko siya without any authorization from you. So pagbalik mo dito sa pinas, chineck mo account mo, wala ng laman. Sino masisi, nanay mo or ako na teller na pinawithdraw ko dahil emergency "daw"? Shempre ako ang liable! Eh 100k winithdraw. Sino magbabayad? Nanay mo o ako? Ako pa rin!
#nobela
1:52am, thing is the person doing the complaining here has yet to establish her legal standing and if she has authority to make decisions regarding her father's account. She is the one making the claims, not the account holder. She has no spa or letter of authority. Neither has she been appointed by the court as legal guardian or administrator. As far as the bank is concerned,she is a third person making demands with respect to an account with an owner who upon opening of account was already informed that the safeguarding of pin number is his responsibility since it is called a personal number for a reason. This should be a criminal case. Letter sender should file a police report instead.
DeleteMas nakikita ko ang bioethical issue ng case na to dahil isa din akong health care provider. Sayang at prevailing pa din ang pag-hold sa px pag walang money at hand. Kapal ng mukha nung bantay-salakay.
ReplyDeleteWala namang nag hahabol sa bank. Ang hinihingi lang ay tulong para malaman kung sino ang nag widraw ng pera.
DeleteYes and she was told that the cctv is viewable AT THE MAIN BRANCH.
DeleteAnon 2:30, ang ibig sabihin po ni Anon 1:19 is yung hospital. Hino-hold ang pasyente sa ER at di maka transfer sa ICU kasi hindi makapag-deposit.
DeleteI have read a similar case, sorry to say pero wala talagang liability ang bank.
ReplyDelete-baklangbagsaksabarexam
Wala namang nag hahabol sa bank. Ang hinihingi lang ay tulong para malaman kung sino ang nag widraw ng pera.
Delete1:20 correct ka beks! Binigay kasi ni Tatay ang PIN eh.
Delete- Pamintang Lawyer
Bagsak ka nga sa bar exam hindi ka ngbabasa ng mabuti. Hindi nya hinihingi na ibalik ang pera.
DeleteGrabe naman yung bank. Hindi na nga makapunta personally yung depositor eh may medical certificate na din. How can they get a new card?
7:29, andshe was told that the CCTV can be viewed a the main branch. Edi dun siya pumunta. Kalurks, gusto kasi ng mga tao ngayon, special treatment kesyo "special case." Ang problema, these employees only follow procedures. Try niya sumunod din, baka may mahita sya. Kung wala pa din, tsaka sya magreklamo.
DeleteShameless thieves! You deserve the highest form of punishment, here on earth and in the afterlife!!
ReplyDeleteI wish Aminesza all the best, and if she starts an indiegogo or kickstarter fund, I will contribute.
I know clouded judgement mo that time pero sorry, the bank is just following their protocol. Try PCSO or politicians.. Hehehe.. Election naman next year-- malamang marami ng generous nyan. i understand na hard earned money mo yun pero if you find out kung sino, Would you still get the money? Just be thankful your dad is okay. God bless!
ReplyDeleteThe person may not get the money back pero kung malaman kung sinu ang kumuha, pwede nyang ipakulong or kasuhan nang theft.
DeleteWhat differentiates banks from each other? It's the service. Obviously, their depositors are not in good hands.
ReplyDeleteThe father was not in good hands.
DeleteI feel you, walang puso yung thief, also that bank for not helping u in any way. Will not patronize metrobank in the future.
ReplyDeleteWell at least if their cctv they can view who is the culprit,but obviously the one who given the pin nos possibly the culprit ,
ReplyDeletenot bank's fault. ganyan tlaga ang protocol ng metrobank. kasalanan yan ng mga watchers nyo. may magnanakaw sa kanila. pagdating tlaga sa pera mahirap magtiwala sa iba
ReplyDeleteBut at least sana makipag cooperate pa rin ang bangko sa kanila para makita kung sino ang gumawa nun. Valid naman reason nung complainant. Ano ba naman makipag tulungan ang metrobank sa kanila.
DeleteWala namang nag hahabol sa bank. Ang hinihingi lang ay tulong para malaman kung sino ang nag widraw ng pera. Umintindi bago mag comment ha.
DeleteBasahin m 1:54 am ang comment sa taas. Sa us may batas sila.. Itong bansa na toh, walang kwenta ang batas natin.. Walang magawa sa malaking company.
Deletegrabe mas nashock ako dahil nagawan pang nakawan yung naospital tsk tak tsk
ReplyDeletePero sana naging considerate nman sila.. Dapat meron silang contingency plan when it comes to that situation.
ReplyDeleteI think, infos from the banks can only be extracted with a court order.
DeleteTlaga namang walang consideration ang Metrobank! Even with their credit cards..they have hidden charges na di mo alam kung saan nggaling..they don't value their clients; like in this case..patient is in a life and death situation..they should be more considerate..sorry to hear that this has happened to you Aminesza
ReplyDeletego to their head office and seek help at their customer service..ask there to view the cctv footage. also, ask them what do you need to provide for you to be able to legally act in behalf of your father, i'm sure a special power of attorney or smth will do plus other papers.
ReplyDeleteOmg yes!!!! mob mentality nanaman mga tao dito d nalang mag isip ng solusyon para sa writer. Basta pwede mag bash, magbabash!
DeleteSPA will do madam! dand yes, just go to the damn head office if the footage is there! dont make your fingers do the walking. It's your dad who is immobile not you.
Question lang po. Di ba ang SPA need pa rin ng signature ni father? Kailangan ng presence at signature nya?
DeleteIn my experience, metrobank talaga yung pinaka-strict when it comes to adhering to policy. BPI and BDO can sometimes relax their policies, for the convenience of their customers, metrobank hindi. The only thing i csn't understand bakit ayaw pakita ang cctv.
ReplyDeleteBaka wala o sira yung cctv...at bakit kailangan sa main branch pa i-view??? Eh kung yung branch nila nanakawan, wala bang cctv na ma-access nila right there and then?? Kalokohan!
DeletePwede naman ata ipakita but after a written request or some legal papers....ganyan talaga yan. Hindi kagaya sa cctv ng convenience store makikita mo kaagad. They're protecting their other clients too.
DeleteQuestion is gumagana kaya yung CCTV nila?
DeleteWala naman sinabing ayaw ipakita ah. Ang sabi, pumunta sya sa head office dahil andun ang CCTV footages. Ang tanong, pumunta na ba si letter sender o inuna nya magsumbong kay FP?
DeleteBank Information Secrecy yan te. Against yan sa privacy ng mga kliyente nila.
ReplyDeleteIn behalf of the client na ang nagrequest kse nanakawan sila, hindi pa rin pwede kahit naka icu pa? Hala wag namang mangyari sa inyo para hindi mo maranasan.
DeleteFor you to be legally act in behalf of the account holder, kailangan ng SPA. Kung inuna ni ate magpagawa nun habang nakakasulat pa naman ang tatay nya, edi may nangyayari na sana sa requests nya. Jusme, inuna pa nya makasulat ng pagkahaba habang letter kay FP.
DeletePano po magpapagawa ng SPA si ate e nasa hospital si father. Di ba need ang presence at signature ni father for the SPA to be legal?
Deletenawalan din ako ng pera nun, ninakawan ako ng officemate ko, bdo atm ako tpos sa chinabank branch magwidraw according dun sa bdo rep na kausap ko, kinausap ko yung taga chinabank if they can help me with this, ang sabi sakin need daw nila ng police report and they are willing to help me. long story short nabalik sakin ng culprit yung pera ko. Hindi nagkaron ng victim shaming like this, ni hindi ako tinanong kung dinisclosed ko ba yung pin ko.
ReplyDeleteWow. Good for you.plus points to ng bdo
DeleteAsk father who PIN was divulged to. Report to police, file a case. CCTV can be used as evidence and can be demanded from Metrobank.
ReplyDeleteIsa lang naman ang magnanakaw dyan yun sinabihan ng dad nya ng pin number. Yun ang papulis nila. Pag nareport naman na yan maoobliga na ang metrobank ipakita ang cctv
ReplyDeleteIn situation like this, the bank can decide what to do. Esp when the client is in ICU. There are a lot of ways to help. First, the cctv can be retrieved in the branch. It is not true that it is only accesible in the head office. Second, the blocking of atm. The manager can simply go to the hospital to know if the claim is true. If proved, an SPA can be submitted, or affidavit of lost just so the atm card can be blocked. If the son's client is not willing to let his father know what happened to his atm card then the bank cannot do anything about it. The principal accountholder should be informed, so the documents needed can be signed, that way the bank can do the standard procedures in blocking the client's atm card.
ReplyDeletein other countries you all you need to do to block the atm is call the bank and tell them you lost your card. none of that bs notarized affidavit of loss coz by the time you get that paperwork in somebody couldve stolen your money already. more fun in the philippines.
ReplyDeleteYou can block your atm thru a call in the philippines. It's the replacement of the atm card that needs a notarized affidavit. Read pls
DeleteTrue...sad but true
Deletewala lang talagang pakialam sa customer at may pagka tamad ang staff ng bank na yan. ginagamit nalang na excuse ang bank policy etc. ang taong gustong magbigay ng excellent service gagawa ng paraan para makatulong kahit pano. mas gusto ko ang BPI sa totoo lang
ReplyDeleteAgree. Simpleng customer service lang yan. Konting konsiderasyon. kung sa call center yan eh super bend over backwards, na halos halikan ang paa mo.
DeleteI can relate. I'm still fighting with them til now. From March 21st to date, they have not returned back my 20k back to my account. I transferred this amount to my stock trading account but it did not go through. It took me 4 overseas calls, on 4 consecutive days before finally they issued me a service ticket. And still, it hasn't been resolved. Their agents talked to me in a condescending manner, as if i've got nothing in between my ears. I sent them the email notification i received from their ebanking that the transfer failed. And yet, wala paring nangyari. I emailed my complaint to client care but i guess that department should have been named: we don't care. It's so frustrating and try as you might not to lose your cool, you really can't help it. Dapat ibalik sa training program mga yan at gawing extensive ang training. Kung ako boss ng mga yan, exit papers na ang iaabot ko. Mga rude! Ina talaga how we do banking and investing sa europe at north america. Marami pa talaga bigas na kakainin ang mga bangko natin sa pinas. Hindi na nga kaiga-igaya ang online platform, napaka bad pa ng customer service mapa call center and mapa branch level. Really leaves nothing to be desired. I can't wait to go home and close all my related accounts!
ReplyDelete-baklang investment banker
bakit iniwan mo mag-isa tatay mo na wala kang hinabilinan sa kanya kahit maid lang?alam mo naman matanda na ang tatay mo...ayan tuloy,in this kind of circumstances yung tatay mo ang kawawa...
ReplyDeleteFile a police report. The police can view the cctv footage for you. I hope your father is in a stable condition now. Next time, iuwi mo na sa province yung dad mo with his relatives wag mo na pagtrabahuhin atleast may kasama sya na mapagkakatiwalaan mo.
ReplyDeleteI suggest that you go to the main office, baka sakaling matulungan ka nila dun, bring all the necessary documents or evidences na nasa hospital ang father mo. Shame on those neighbors na nagnakaw pa ng pera, mga walang kaluluwa!!!
ReplyDeleteIronic how they say that "You're in good hands with Metrobank" when a simple card blocking to protect their customers account/money. Overseas anyone can just have it reported lost or stolen and the bank blocks the card IMMEDIATELY for security purposes. Oh well...
ReplyDeleteHuh? The letter sender is not the account holder. Why would the bank block the account at her behest? They would only do that if request is made by the client or someone authorized to do so. If anything, this is a proof of how well they truly protect and secure their clients' accounts. Malay ba nung bangko kung anong mga personal arrangements meron ang account holder with the people around him. Show them documentation and they will heed the request, hindi pwede unsupported, bare claims. Ano to, tindahan sa kanto? Gusto mo silipin ang listahan at ipaputol ang credit line ng kamag-anak mo tapos go agad kasi kilala ka ng tindera? Nakakaloka tong letter sender. Don't blame the institution, there is such a thing as law. Dura lex sed lex.
DeleteIs it possible that you get an SPA representing your dad?
ReplyDeleteProtocol (both sa hosp & bank) will be your best ally or worst enemy. Saang ospital ba yun kasi parang di naman ginamitan ng paternalistic approach yung case. Balik balik din sa med school notes bago ma-revoke ang license.
ReplyDeleteI work in a bank and here's what I have to say in this matter. Your father gave the PIN to someone else. You should have been the one to make sure that a trusted person is with him na pwedeng makaalam nung PIN. The bank is asking for a lot of proof and documentation to verify yung mga sinasabi mo. Malay ba nung bank kung modus yang ganyan o baka nagtatry ka makakuha ng information about other clients kya hindi rin pwede ipa view agad yung mga cctv footages. Kailangan pa ng clearance nun with corporate security. Wag kayo comment ng comment at nagmamarunong kung wala kayong alam sa banking regulations.
ReplyDeleteWHY do people always choose to blame the victim? It's over and done. That is not the case anymore. Even if we don't know anything about your so called banking regulations ~ we know about a good customer service and how to be HUMAN BEING.
DeleteBecase in this world, madaming manggagantso! Kaya kailangan makasigurado ng bank that thestory is true. Try working in a bank and you'll all sorts of ridiculous scams.
DeleteJust because you were a victim of something 3:17 does not excuse you of your responsibilities and require someone else to give you "good customer service" by acting like a charitable institution. This is not a case of victim blaming.
DeleteDon't tell me if you were held up and forced to withdraw money by the robbers you will ask the bank to replace it?
Helloooo! Eh bakit ang chinabank at bdo nakipag cooperate dun sa isang commenter na nanakawan ng atm? Pero itong metrobank eh wala man lang masabing solusyon para matulungan ang client nila. Ikaw din wag kang comment ng comment kung wala ka rin naman magandang sasabihin or maitutulong! Cge bumalik ka na sa pwesto mo teller ng metrobank at asikasuhin mo na mga kliente nagcocomplain sa banko nyo!
Delete10:58, ninakaw ang ATM vs authorized withdrawal. Apples and oranges. Magkaibang situation. I am a long term Metrobank client. It is not perfect, but the bank has amazing customer service. Always remember that there is such a thing as bank secrecy. This letter sender is not even the account holder. Reality is wala siyang legal standing.
Deletehindi talaga liability ng bank ang fraudulent withdrawal given that the PIN was willingly given to the third party. harsh as it may sound, it's a financial institution not a charity. With regard to your request of pulling CCTV and such, the bank will comply if deemed necessary but only through proper medium- you have to file a police report.
ReplyDeleteTama! Parang gusto nya kasi ipakita sa kanya ng bank yung CCTV tapos dun sya aaksyon or mag decide kung ano gagawin nya sa taong yun... So parang gather evidence muna bago magpupunta sa pulis, di nalang ang pulis ang ipa gather nya ng evidence.
Deleteto those who are claiming that US banks refund txns even if the cardmember gave out their PIN, sure they do. But rest assured that the transactions will be rebilled. sige, try mo
ReplyDeletegusto ko malaman kung anong update dito at kung sino talaga ang kumuha. since walang magawa ang bangko, hindi ba nya kinausap yung mga neighbors or kung may pinaghinalaan man lang sya sa kanila? kasi yung nagwidthraw na nakakaalam ng pin e isinoli naman yung atm sa isang neighbor na humahawak ng belongings ng tatay. then si friend hiniram yung wallet sa neighbor for philhealth card then isinoli rin. kung isinoli ng nakakaalam ng pin yung atm card, pano sya makakawidthraw? kung nasa humahawak ng belongings yung atm card, pano makakawithdraw kung hindi alam ang pin? unless sinabi nung isang neighbor? hmmm.. nag-iiba talaga ugali ng tao pag pera pera na.
ReplyDeletei sympathize with the letter sender, pero naman. hindi naman talaga kasalanan ng banko ang nangyari.kahit saang bank pa yan sa bunog mundo walang magagawa sa mga ganyang kaso.
ReplyDeleteI bluff mo na lang yun mga nagbantay, sabihin mo makukuha mo na yun footage ng cctv, hingan mo ng picture yun 3 bantay hinihingi kamo sa banko tingnan mo na lang kung sino sa kanila ang matatakot. Isa pa, kung sakali na maipakita sayo yun footage na Im sure matatagalan pa, palagay mo ba mababalik sayo ng nagnakaw yun 14k, kaya nga sya nagnakaw kasi wala syang ganun halaga?
ReplyDeleteI lost my Metrobank ATM recently. I called the branch right away to have it blocked and ask for a replacement. Sabi nila, which I think is SOP, Pumunta ako sa branch para kunin yung mga papers na kailangan pirmahan and kailangan ipa notarize. I did just that and I signed an authorization letter to authorize the messenger to get my new ATM. Pwede ka siguro gumawa ng authorization stating there that your father is authorizing you to transact this in his behalf. I suppose papayag sila since naka pirma ang father mo duon. And papirmahin mo din mo sa authorization letter na ikaw ang mag claim ng replacement card. I hope I was able to help. Good luck and I wish your father well.
ReplyDeleteGranted that the account holder was incapacitated, the pin was still voluntarily given to someone who isn't trustworthy. Shame on that person for taking advantage of an old man in dire need. Now to Amnesza, get a power of attorney. Banks aren't suppose to disclose account information to just anybody. This is due process. It is not just to protect themselves but also to protect the account holders.
ReplyDeletetoo much time spent of writing this letter and going after the bank for the P14K stolen. All she needs to do is talk to the 3 person who took his dad to the hospital. Granted that one or maybe all three took advantage of the situation. What's more important is that her dad was brought to the hospital and he was given proper care.
ReplyDeletei see many loopholes here. labas ang bangko sa arrangement nyo na pagbibigay ng pin sa ibang tao. its in the rules and regulations upon acquiring an atm card. the only person who should know the pin should the accountholder. once he decided to give it to anyone, no matter what the circumstance is, liability mo na yun. now, since naibigay nya na, wala na magagawa. sabi nya hindi naman daw sya naghahabol sa money, so why post this? okay, gusto lang daw naman nya malaman kung sino ang kumuha. what for? kala ko ba d na maghahabol? and she's asking cctv. but before you can view that you have to obtain court order. its bank secrecy law my dear. protection naman yan ng other clients. banks have a lot of policies. kasi once they deviate from their policies, it could also be used against them. so stick to the rules. besides your problem originates from you naman.
ReplyDeleteAng daming loophole sa kwento. I find it ridiculous that the letter sender would claim that they could not withdraw because his father has to wear an oxygen mask and cant claim his new card. This claim is absurd. First of all, if you dont want unauthorized withdrawal, you should have gotten an spa so you can have the missing ATM blocked. Second, even if the old ATM is blocked, a withdrawal can still be made by a real authorized person for the dad because the account itself is not blocked. If the father can't get the new ATM, so what? Mag over the counter ka! Either have the account holder sign an authorization, use an spa if there's any or accomplish a withdrawal form. There are so many things that should be done, the failure of this letter sender to do them is his/her fault, not the bank's.
ReplyDeleteThe cctv files are indeed kept at the main branch. This is because of privacy and security issues. However, if there is a court order or criminal investigation, ibibigay naman ng bank yan. Si ate kasi hindi naman siya ang account holder, plus ni police report wala siya
ReplyDeleteI've been workin with the bank for several years now. This situation indeed a very a hard case. Bankers are also humans, we do have feelings as well. It does not necessarily mean that if one works in a bank eh it's impossible for us to experience undispensed cash transactions, settle for penalties due to late payment, captured card via ATM and fraud transactions among others. As employees of the bank we do understand clients who experience these problems, we feel them, we emphatize with them. As much as we say that we do understand them, we are requesting for the mutual understanding from them that for such cases we cannot really do or decide about the matter instead escalate it to higher management for final decision. Rules are rules, they are not there for nothing, they are made to ensure the quality of service provided to client.
ReplyDeleteFor the letter sender, I would advise if you can personally visit the bank's HO or probably call their CS hotline. Branch personnel have limited knowledge when it comes to this since most of them are focused on the account opening. I would suggest that you personally coordinate this one with their customer service since they can have this escalated, they can also help by providing the list of transactions/withdrawal. I do hope this will be arranged and fixed the soonest. All the best and get well soon to your dad.
Bongga si 901, mukang may alam at makatotohanan. Tutoo naman kasi na hindi ngawa ang gusto eh walang concern agad. Kay ate girl na sumulat nito, try mo yung advice ni ateng makakatulong to feeling ko.
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