Espiya
Espiya Investigation Agency => Isumbong sa Espiya! => Scams => : jpoks July 20, 2014, 08:33:29 AM
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I'm a new BDO credit card user (ever since Citibank ako). Ang nakaka inis na e binibigay nila ang personal details mo like name & cell phone # sa kanilang mga ka tie-up kuno na mga companies like ManuLife insurance, meron pang about sa travel Agency kuno. Ang problema ay mag papakilala sila na sila ay from BDO and they just need you to answer like your birthday and lastly your card # so that you can avail their insurance. Magugulat ka na lang na may bill na dadating sayo at inawas na nila sa credit card mo yung fee nila na di nila pinaalam sa inyo na meron dapat bayaran! Para sa akin dapat ang BDO ang mag poprotekta sa mga clients nila di ba? Bakit sila pa ang magbibigay ng personal info mo sa mga ka tie-up kuno nila para lang ma isahan o ma racket ang mga clients nila? Sabi ko nga sa tagal-tagal ko sa Citibank di nangyari sa akin eto at di ako sanay sa mga ganitong kalokohan! Magbasa kayo sa google sa mga ganitong experiences lalu na sa Manulife na ka tie up ng BDO, we have the same experiences. At sa tagal na ganitong sistema at sa dami nang naloloko wala pa rin ginagawa ang BDO! Shame on you BDO! Kahit na isa kayo sa pinakamayan sa sa Pilipinas (mga Sy) wala kayong malasakit sa mga Pilipino, palibhasa Instik!Kaya advice ko sa inyo stick to your credit card companies na subok na and never try BDO credit card! >:(
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question bakit mo sinagot about your birthday and last number? .. if from bdo ung tumawag sayo dapat tinanong mo anong need nya if sobra ka na ba sa limit ect.... i think its your own fault for being gullible ; point of view ko lang ...
may manloloko at nag papaloko...
ingat din next time parang dont talk to strangers ika nga
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I have BDO credit card before, if i could remember, i owe them 20K.
I went abroad, never paid them ''til now. i think 4 years na. laffman::
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heard a similar story from a friend of a friend,, same set-up, an insurance company something called him up asking for detailed information on his birth date and such... the next thing he knew, a bill was sent to him,, he went to BDO to complain but nothing happened,, the next thing he did was cancel his credit card,,
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matagal na akong merong BDO credit card (nag expire na nga last 2013 yung isang card), wala naman akong na experience na ganyan. naloko ka lang talaga kasi kung taga BDO talaga ang tumawag sayo they will NEVER ask for your card number (why would they? they already have it), ang itatanong sayo is yung security question na nilagay mo sa application like mothers maiden name (since their goal is NOT to know your card number but to establish your identity as the owner of the card).
eto lang tandaan pag may mga tumawag sa phone, always ask whats the call about. kung credit card man, ask why are they calling instead of sending SMS, or email bakit kailangan pa itawag kung mag iinform lang ng promo or something (an automated SMS,email is going to be way cheaper and faster). most of the time yung mga tumatawag na yan hindi talaga from the credit card company, mga telemarketer lang yan. marami na tumawag sakin dati (although wala pang related to BDO), i always ask kung ano ang purpose ng call, pag sinabi na promo or something, automatic not interested ang sabi sabay baba ang phone. they are telemarketers they wont bother calling again, they will just go to the next name on the list
also every transaction sa credit card na suspicious (i.e. yung nangyayari minsan na down ang system so ilang beses naiswipe ng establishment ang card para lumusot), they will send SMS to your registered cp number AND/OR they will call dun sa registered CP number.
yung about naman dun sa mga number na napupunta sa mga telemarketers, it does happen not only with BDO but other companies as well. although bawal yan, nakakalusot parin since mahirap din itrace kung sino sa mga employee ang nagleak ng info kasi yung iba dyan hindi naman talaga directly employed, like call center agents or former employees.
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Dapat kasi sa umpisa pa lang hinde nyo na dapa entertain yung ganyang mga calls lalo na kung hinde ka rin naman interested talaga.
at bakit ka mag bibigay ng personal info mo..
it happened to me before yung caller nagulat ako tumawag sa office namin akala ko customer or client namin dahil alam nya kaagad yung full name ko, and started asking about my personal info right away!
i asked him kung bakit gusto nya malaman the guy started to make an alibi, then he tried to engage me in a casual conversation pero i've noticed na isa isa nyang tinatanung yung personal details again na parang kwentuhan lang.
i know the guy is fooling me at nag sisinungaling sa akin nag salita ako ng hinde maganda then binabaan ko ng phone!
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and lastly your credit card number that's more of a social engineering scam. Never ever give out your credit card number.
Kung minsan mapapansin niyo rin namimingwit lang yan pag tumatawag sa inyo like "meron na po bang naka-credit card sa inyo?"
kahit yung ganung klaseng tanong iniiwasan kong sagutin dahil dun niya pahahabain yan. Usually ang isasagot sa akin niyan "Ay sir sa bank din po kami, (mention's bank name)." Sasagot ko lang ulit "kahit ako pwede ko naman sabihin na taga (bank name) din ako. kaya wala akong ibibigay sa inyo na kahit anong info"
haha tapos agad ang usapan.
Walang iniwan yan nung mga nanghaharang sa mall na may free ganito sabay katapos-tapusan sa fill up-an mo hinihingi yung CC number. Yan yung mga masarap pasabugan ang opisina
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naranasan ko na din yan.. noong tinanong sa akin credit card di ko binigay... sabi ko di bale na lang , kahit insist nila , na walang charge sa una at etc etc
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Back then, people actually dumpster dive for "precious" carbon used in printing credit card transactions. Business establishments do keep copies of the transactions but do throw out the carbon which will clearly show details of a customer's credit card info.
Nowadays, what is printed is the first four and last four digits of a credit card number. You can use programs that "guesses" the missing numbers. Yung iba, social engineering na lang ang employ para makagantso!
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So indi po ba maayos ang manulife?sakin kasi inaccept ko insurance nila kasi mostly nasa labas ako(rider)kung san saan napupunta.(gala)....dati.naisip ko kailangan ko rin naman just in case na magkaroon ng accident or what ever happens sakin.and yong card protection naman nila eh need ko rin kasi lagi rin akong shopping online gamit ang bdo card ko kaya pumayag ako na kumuha na insurance sa kanila.
as of now,mag 1 year na membership ko for 250 pesos a month.
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ang alam kong insurance na dinadala ng BDO is Generali Pilipinas, not Manulife.
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parang sa online games lang yan, wag ibibigay password or any personal info kahit kanino.
since binigay mo birth date mo saka CC number mo, malaya na sila gawin lahat ng gusto nila, more or less.
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ang insurance service provider ng BDO is Starr International Insurance
may pinadala sa email dati about the free travel insurance that is included in the card (provided card ang ginamit mo to buy your tickets)
(http://i57.tinypic.com/qzj4ex.jpg)
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I think the point here is that they call you, made an offer, you accept by saying yes. If you don't want it just say no and bye bye.
The problem with card holders is that they will say yes to every offer then complain later when the bill arrived.
Every voice transaction is recorded by the company especially your precious "yes" which is their best evidence againts you.
Credit card helps me a lot, pati puhunan ko sa business galing sa card, 95% of my purchases through credit card. Pati interest rates ng loan pwede kang makipagtawaran ng mas mababa.
Tayo lang mga cardholders ang kadalasang gumagawa ng problema aminin man natin at hindi. It is just a matter of saying yes or no. Ganon lang ka simple ang transcation, the problem is there are people who can not say no to a charming voice over the phone.
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So indi po ba maayos ang manulife?sakin kasi inaccept ko insurance nila kasi mostly nasa labas ako(rider)kung san saan napupunta.(gala)....dati.naisip ko kailangan ko rin naman just in case na magkaroon ng accident or what ever happens sakin.and yong card protection naman nila eh need ko rin kasi lagi rin akong shopping online gamit ang bdo card ko kaya pumayag ako na kumuha na insurance sa kanila.
as of now,mag 1 year na membership ko for 250 pesos a month.
sir 250 pesos a month and you agree with it. Yung sa akin sir walang sinabi kung magkano nag bil ng 1,290 without my approval. Isa pang question dyan sir what if may mangyari sa ito, paano ma claim yung insurance mo? Wala naman kayong pinirmahan na contract? Just sa phoneang, mahirap din sir di ba?
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I think the point here is that they call you, made an offer, you accept by saying yes. If you don't want it just say no and bye bye.
The problem with card holders is that they will say yes to every offer then complain later when the bill arrived.
Every voice transaction is recorded by the company especially your precious "yes" which is their best evidence againts you.
Credit card helps me a lot, pati puhunan ko sa business galing sa card, 95% of my purchases through credit card. Pati interest rates ng loan pwede kang makipagtawaran ng mas mababa.
Tayo lang mga cardholders ang kadalasang gumagawa ng problema aminin man natin at hindi. It is just a matter of saying yes or no. Ganon lang ka simple ang transcation, the problem is there are people who can not say no to a charming voice over the phone.
Even sir I said yes wala namn silang presyo na ibinigay. Yung iba ditto nag yes and they are billed 250 pesos a month. Sa akin walang sinabing price and yet they billed me 1,290 pesos? That's why I dared them to review are telephone conversation.
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One piece of advice tuwing may offer ang card company. Ikaw ang dapat magtatanong kung ANO, PAANO, at MAGKANO wag mong hayaang sila ang mag interview sayo dahil in the first place hawak na nila ang information mo in advance, what they are trying to do is to verify kung ikaw talaga ang kausap nila.
Isang mahalagang response mo lang ang hinihintay nila and that is "YES" that is the equivalent of your signature in a transaction.
And always remember walang offer na free sa card company.
At kung ipapareview mo sa kanila ang voice transaction, you will be surprised because they give you all the chance to ask but you just say YES.
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The point here is why does BDO gave my personal info to other companies without my permission? And why is it up to now, if you googled this kind of problems with ManuLife & BDO eh wala pa silang ginagawang hakbang to stop this kind of irritating racket? Is it obligation of BDO to protect & serve the public especially their clients? So that's why for BDO is self serving who think only for themselves.
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ang problema kasi dito is information theft. as far as i know hindi manulife ang insurance na dinadala ng BDO. never ako inalok ng BDO with manulife. last na inalok nila sa akin is Generali. As per post ni Bodie starting May, Star International Insurance na.
posibleng meron nagbibigay ng info mo sa manulife. Hindi lang sa BDO nangyayari ang information theft. Meron talagang bumibili ng info ng card holders.
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and recently, na-aprubahan yung BDO credit card ng sister ko, now ang dami daming telemarketers na tumatawag dito looking for my sister. kung ano-ano ang inaalok. samantalang palagi lang nasa bahay sister ko dahil sa 7 months ng walang trabaho. kung kailan nawalan ng trabaho saka naaprubahan yung credit card ::laffman
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The point here is why does BDO gave my personal info to other companies without my permission? And why is it up to now, if you googled this kind of problems with ManuLife & BDO eh wala pa silang ginagawang hakbang to stop this kind of irritating racket? Is it obligation of BDO to protect & serve the public especially their clients? So that's why for BDO is self serving who think only for themselves.
personal info ba kamo? ManuLife at ChinaTrust banks, primarily, may mga tao yan sa loob ng telecom industries, di na ko magtataka kung meron sila sa BDO, kahit ako nakakareceive ng targeted messages sa postpaid subscribers.. may pangalan na nga at lahat, pati pangalan ng agent sinasabi sa text message, pero walang naghahabla, tuloy tuloy pa rin sila sa pagaalok ng PUT@%&^@&^ insurance.
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BDO sucks!!! Really sucks!!! Why? Ask me!!! Lagi akong nadedebit tru internet banking transaction then ang reversal mga 3 days pa. BDO really sucks!!! Lots of complaints!!!
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Mang gagancho talaga itong mga taga ManuLife na ito, after na lokohin at ganchohin ng mga telemarketer nila nag reklamo ako. After na mka connect ako ay sinabi ang problem ko, na pinasa ako sa section para sa mga may complains and after 15 min na walang sumasagot ay bigla na lang ma cut ang phone! Twice nilang ginawa! Kaya talagang gancho ang Manulife na ito! Manu-nuba ng mga tao and BDO accept them a their part partner? >:(
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btw, ang isang pwedeng gawin sa mga ganito is sa BDO kayo magreklamo sabihin na via phone yung nangyaring transaction and walang pinirmahan. dapat pwede ipacancel ang transaction na yan kasi walang pirma na nangyari so it can be considered as an electronic purchase (i.e. internet purchase) AND hindi pwede gamitin for internet purchase yung regular credit card ng BDO, meron silang separate card exclusive for internet purchase. mapapansin mo yan if you try to purchase anything online, irereject yung regular BDO card. never lulusot yan.
yung ibibigay nila na for internet use na card is kulay blue, it has a different card number and cc code. so technically different card siya (pero supplementary siya ng regular card so they share one billing and one credit limit).
so since walang pirma na nangyari, this transaction can be considered and electronic or internet purchase. so pwede niyo ireklamo yan sa BDO. wala namang mapapakita na pirma yung other side for sure unless may iforge sila. yung other card is supposed to be used only when a physical card is needed, while the blue one is used when a physical card is not needed (i.e. hindi na need iswipe or pumirma)
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basta ako binibili ko lang yung mga plano ko talaga bilhin... di mo ako mabebentahan kung ikaw unang lalapit sa akin, kahit kailan...
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btw, ang isang pwedeng gawin sa mga ganito is sa BDO kayo magreklamo sabihin na via phone yung nangyaring transaction and walang pinirmahan. dapat pwede ipacancel ang transaction na yan kasi walang pirma na nangyari so it can be considered as an electronic purchase (i.e. internet purchase) AND hindi pwede gamitin for internet purchase yung regular credit card ng BDO, meron silang separate card exclusive for internet purchase. mapapansin mo yan if you try to purchase anything online, irereject yung regular BDO card. never lulusot yan.
yung ibibigay nila na for internet use na card is kulay blue, it has a different card number and cc code. so technically different card siya (pero supplementary siya ng regular card so they share one billing and one credit limit).
so since walang pirma na nangyari, this transaction can be considered and electronic or internet purchase. so pwede niyo ireklamo yan sa BDO. wala namang mapapakita na pirma yung other side for sure unless may iforge sila. yung other card is supposed to be used only when a physical card is needed, while the blue one is used when a physical card is not needed (i.e. hindi na need iswipe or pumirma)
Thak you sir! I'll try it sa BDO.
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I called BDO at ang sabi nila is dapat ako daw ang kuma-usap sa Manulife para ma void yung transaction. I called Manulife since they promise to call me after 3-5 working days. After a week na walang reply sa kanila ako na uli ang tumawag, guess what? They are asking again my credit card # & they will file again a report. Anak ng teteng nagalit na ako! Nag iba nag pakiki-usap nila at sinabing according to their review of the voice recording ay pumayag daw ako sa inaalok nilang insurance. I told them that I want to hear the voice recording and if the can email it to me, pero sabi nila na di daw pwede kasi confidential daw iyon! Confidential? It's my own voice at alam ko na nagsisinungaling sila tapos confidential? They told me that if I want to hear it, dapat pumunta daw ako sa office nila sa Makati. Sabi ko pupunta ako dyan? I am from Bulacan na it will cost 500 for gas, 100 sa toll & my one day salary para lang makipag debate kung pumayag ako sa alok nilang insurance at wala namang compensation after that. Aaminin ko na na naloko at ako ay naisahan. Sa kanila na yung 1,290 na na charge sa credit card ko. But I will tell it to the whole word ang racket nila at pang gagancho nila na kasabwat ang BDO dahil sila ang nagbigay ng personal info ko. I will say it again BDO gave my personal info & number sa Manulife without my permission and it causes me stress ang anger and in the end wala naman silang magagawa para tulungan ka. So bakit ka pa magbabangko sa BDO?
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ahm tutal galit ka sa bdo, bakit hindi mo na lang ipacancel ang iyong bdo credit card?
tapos ang iyong stress.
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I called BDO at ang sabi nila is dapat ako daw ang kuma-usap sa Manulife para ma void yung transaction. I called Manulife since they promise to call me after 3-5 working days. After a week na walang reply sa kanila ako na uli ang tumawag, guess what? They are asking again my credit card # & they will file again a report. Anak ng teteng nagalit na ako! Nag iba nag pakiki-usap nila at sinabing according to their review of the voice recording ay pumayag daw ako sa inaalok nilang insurance. I told them that I want to hear the voice recording and if the can email it to me, pero sabi nila na di daw pwede kasi confidential daw iyon! Confidential? It's my own voice at alam ko na nagsisinungaling sila tapos confidential? They told me that if I want to hear it, dapat pumunta daw ako sa office nila sa Makati. Sabi ko pupunta ako dyan? I am from Bulacan na it will cost 500 for gas, 100 sa toll & my one day salary para lang makipag debate kung pumayag ako sa alok nilang insurance at wala namang compensation after that. Aaminin ko na na naloko at ako ay naisahan. Sa kanila na yung 1,290 na na charge sa credit card ko. But I will tell it to the whole word ang racket nila at pang gagancho nila na kasabwat ang BDO dahil sila ang nagbigay ng personal info ko. I will say it again BDO gave my personal info & number sa Manulife without my permission and it causes me stress ang anger and in the end wala naman silang magagawa para tulungan ka. So bakit ka pa magbabangko sa BDO?
You can't pinpoint who gave your info to them.. madaming pwede kang pinaglagyan ng info mo, i.e. purchases, fb account , email account, legal documents, in my case e Globe Postpaid account , etc. at kung magagawa mo man, you can't blame an institution dahil most likely iilang tao ang nakinabang sa pagbenta ng info mo sa kanila, ang alam ko punishable by law ang pagrelease ng private data, di ko lang alam kung accountable yung institutions pag may empleyadong gumagawa ng ganyan.
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one time fee lang ba yung transaction? one action you can take para hindi ka na pumunta sa office nila is gawa ka formal complaint na letter. mas maganda kung idaan mo sa notary public para may legal record talaga na nagcomplain ka against them. pero yun nga that will entail a little bit of cost for you, depende sa notaryo kung magkano ang singil
or para libre, gawa ka complaint letter, padala mo sa newspaper, yung letters section para mapublish sa dyaryo yung racket nila
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matagal na akong merong BDO credit card (nag expire na nga last 2013 yung isang card), wala naman akong na experience na ganyan. naloko ka lang talaga kasi kung taga BDO talaga ang tumawag sayo they will NEVER ask for your card number (why would they? they already have it), ang itatanong sayo is yung security question na nilagay mo sa application like mothers maiden name (since their goal is NOT to know your card number but to establish your identity as the owner of the card).
eto lang tandaan pag may mga tumawag sa phone, always ask whats the call about. kung credit card man, ask why are they calling instead of sending SMS, or email bakit kailangan pa itawag kung mag iinform lang ng promo or something (an automated SMS,email is going to be way cheaper and faster). most of the time yung mga tumatawag na yan hindi talaga from the credit card company, mga telemarketer lang yan. marami na tumawag sakin dati (although wala pang related to BDO), i always ask kung ano ang purpose ng call, pag sinabi na promo or something, automatic not interested ang sabi sabay baba ang phone. they are telemarketers they wont bother calling again, they will just go to the next name on the list
also every transaction sa credit card na suspicious (i.e. yung nangyayari minsan na down ang system so ilang beses naiswipe ng establishment ang card para lumusot), they will send SMS to your registered cp number AND/OR they will call dun sa registered CP number.
yung about naman dun sa mga number na napupunta sa mga telemarketers, it does happen not only with BDO but other companies as well. although bawal yan, nakakalusot parin since mahirap din itrace kung sino sa mga employee ang nagleak ng info kasi yung iba dyan hindi naman talaga directly employed, like call center agents or former employees.
the last paragraph says it all.. it happens to all like SMART, GLOBE, SUN, BPI, BDO, CITIBANK etc... once you're in their database, chances are you'll be receiving calls of the like... just ignore them and eventually they will stop pestering you...