BDO managed to give to wreck my morning again. I was peacefully sipping my coffee, focusing on the task that I needed to finish, when I got a call. It’s the same representative from the bank that I talked to yesterday. For a brief (*snortfle* I’ve never written anything short) history of my BDO online banking application disaster, please read this.
I was told that I really need to collaborate with the Riyadh branch to check if records show my correct signature. This is what the big guys from the home branch said. Ok… FIIIINE. I agreed to go there. Tonight, even. Even though it’s incredibly inconvenient for me as a female who is not allowed to drive in a foreign city with no public transportation, I promised to go and settle the signature discrepancy problem. You know, the same signature that I’ve used for 15 years or more.
Now comes the part that almost gave me an aneurysm.
Me: I want to make this clear. I will do what you asked me to. And if the signature problem is cleared, are you going to process my online banking application or will you require me to apply for and submit a new one?
BDO: It is advisable for you to submit a new one.
The peaceful serenity I had from last night’s hours of swimming, jogging and spiritual muni-muni shattered.
The thought of repeating the whole process from scratch: filling out the form, submitting it to the bank, mailing the hard copy by express courier, weeks of follow-up emails and phone calls that almost never get answered… For a month, I exerted so much effort to comply with their rules and they leave me hanging. The money I’ve spent and will spend on DHL alone if I do what they want is will be more than PHP 8,000 pesos — more than enough to open four basic ATM bank accounts. That’s probably more than what people in ShoeMart are paid for a month! That doesn’t even count the charges on my phone, the stress they’ve put me through, and the time I’ve wasted.
I am supposed to be a customer who chose their bank in good faith last year to hold my savings. And I’ve had nothing but grief.
I have so many words for this:
Yes. More than the anger, what I really feel is disappointment. I feel so let down. Regardless of the final result of this transaction, I will only continue my business with that bank for as long as I need them — just a few months more — and then I will withdraw all my money and deposit it to another bank that doesn’t lie when it promises to provide the simplest of services. And it won’t be a Philippine bank this time due to their Jurassic processing rules and policy that you should do their job for them.
I mean… submitting a hard copy, not scanned or faxed, regardless of where you live on earth, of an application you already filled out online with all your personal and account information to a Philippine office within a set deadline just for online banking access. I would laugh if I wasn’t so upset.
To think that all I wanted was to have online access to my own dollar account with my own money. It’s a free service offered by a million other banks. I ended up spending just for the process, wasted valuable time, and had my identity questioned. How sad.