BPI Savings Account Holders Experiencing Lost Money, Negative Balances[MERGED]

[_Cathy_]

"System Glitch" usual spiel namin yan :P

Whoever that person who ran the wrong file is in big trouble. Wala ba sila 4 eyes principle for processes that critical?!?! If it's fully automated, then there is something really wrong with their system. There should be no room for error in banking

Hindi masagot ni Consing pano yung mga nag withdraw at ginamit pera na hindi kanina :P Alam ko talaga mahihirapan sila habulin yan. Karma na lang mga ungas na nag withdraw ng hindi nila pera.

[oj88]

In the UK, the act of withdrawing and keeping money that was a result of a bank error is called "Retaining Wrongful Credit", from the 1968 Theft Act.

Can any lawyer here specify what the equivalent Philippine law or Act is?

[chronicle]

Monitoring bpi' stock. 105 padin. Im expecting bababa to

[Ry_Tower]

Musta kaya CC nila? Jut nakagamit kana ba? Hehe may bihilhin pa naman akong tickets.

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[shadow]

Musta kaya CC nila? Jut nakagamit kana ba? Hehe may bihilhin pa naman akong tickets.

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Gutom na si jut. 🤣 Bawiin mo muna sa breakfast buffet para hinde ka kain hanggang hinde pa na ayos ng bpi


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[Ry_Tower]

^Hahaha pasaway ka

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[Ry_Tower]

Btw kapag nagwithdrawbka ng pera sa ATM na hindi naman talaga sa iyo. Afaik, theft pwede ikaso sa'yo. Ewan lang kung pasok sa qualified theft since the bank trusts that you will report erroneous debit or credit to your account.

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[Wh1stl3r]

Pano yan may kilala kami may pumasok daw na 7 figures at may 11 figures pa! 😲

[shadow]

Pano yan may kilala kami may pumasok daw na 7 figures at may 11 figures pa! [emoji44]

Eh di wala siya gagawin. Hinde Naman niya Pera yun eh.


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[Wh1stl3r]

Eh di wala siya gagawin. Hinde Naman niya Pera yun eh.


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Ang mahirap di ba may mga nagpapautang na hawak yung atm cards ng may utang. Also yung mga may ADA na wala naman pambayad pano pa nila ibabalik yun pag nabawas na.

[benchman]

hindi pa ako makapag-check(ATM).
let me see paglabas ko mamaya, parang ayaw ko naman sa branch(passbooks) at siguradong nagkakagulo na mga tao doon.

[shadow]

hindi pa ako makapag-check(ATM).
let me see paglabas ko mamaya, parang ayaw ko naman sa branch(passbooks) at siguradong nagkakagulo na mga tao doon.

Down daw lahat ng electronics.


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[benchman]

Down daw lahat ng electronics.

BS, nagpapanic si wifey.
sabi ko cool ka lang at baka magkaroon tayo ng instant milyones

[_Cathy_]

Pano yan may kilala kami may pumasok daw na 7 figures at may 11 figures pa! 😲

May officemate ako may na CR na 8M hahaha. I still can't login until now. Mag uzi nga ko na branch mamaya [emoji14]

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[Wh1stl3r]

May officemate ako may na CR na 8M hahaha. I still can't login until now. Mag uzi nga ko na branch mamaya [emoji14]

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Any chance of a bank run? Sabagay yan din sinabi nila dati sa RCBC, ngayon parang wala naman nangyari.

Buti din wala na yung friends ko sa BPI IT. Sakit sa ulo hehe.

[shadow]

Basta ito lang nasasabi ko hinde ninyo maiisahan ang mga banks. Up to the last centavo hinde malalamnagan yan


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[dreamur]

Basta ito lang nasasabi ko hinde ninyo maiisahan ang mga banks. Up to the last centavo hinde malalamnagan yan


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If it is a payroll account, and assuming the employee has not resigned yet, the bank can recover from future deposits. Parang prepaid load lang. Pag load mo pa lang, ubos na credits mo. Now, if it is not a payroll account or the employee resigned after drawing the max allowable amount, I think the bank can tap the credit database to tag these people as delinquent payers. So hindi ka na makapag loan pa in the future. For online fund transfers, BPI can contact the bank where the funds were moved and attempt to recoup. Seriously, konyos will not bother to take advantage of this because their integrity is at stake.

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[shadow]

If it is a payroll account, and assuming the employees has not resigned yet, the bank can recover from future deposits. Parang prepaid load lang. Pag load mo pa lang, ubos na credits mo. Now, if it is not a payroll account or the employee resigned after drawing the max allowable amount, I think the bank can tap the credit database to tag these people as delinquent payers. So hindi ka na makapag loan pa in the future. For online fund transfers, BPI can contact the bank where the funds were moved and attempt to recoup. Seriously, konyos will not bother to take advantage of this because their integrity is at stake.

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This is what I don't understand sinasabi nila paper lost lang daw.

Let's say ang nagkamali is company na double credit sa isang payroll account nabigay nila na order sa bank. I'm assuming sa Pera ng company mababawas yun extra credit so walang problema bpi.

But in this case paano walang nawala ng Pera eh nag double credit na saan galing yun extra Pera ng credit ng bpi sa mga accounts?

Siyempre Meron credit dapat Meron debit saan galing yun Pera?

Thats what I don't get hinde naman pwede na from thin air nag credit yun bpi kahit na wala pinagkuhaan


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[dreamur]

If what BPI is saying is true that they are double posting transactions between April 27 to May 2, those are dates where ordinary employees withdraw their salaries so most likely they are on the overdraft. Only those who made the deposits on those dates will get double credits so tataas ang balance nila. Usually mga konyo lang magdedeposit pag month end so bali lugi ang mga promdi nito. Dilawan talaga mga ayala.

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[_Cathy_]

Any chance of a bank run? Sabagay yan din sinabi nila dati sa RCBC, ngayon parang wala naman nangyari.

Buti din wala na yung friends ko sa BPI IT. Sakit sa ulo hehe.

Problem is, is there a better option that BPI? I'm thinking of closing my savings account and transferring to HSBC. But among local banks, I think BPI is still the best (loyal) I asked my friends and they are not too concerned naman.

If what BPI is saying is true that they are double posting transactions between April 27 to May 2, those are dates where ordinary employees withdraw their salaries so most likely they are on the overdraft. Only those who made the deposits on those dates will get double credits so tataas ang balance nila. Usually mga konyo lang magdedeposit pag month end so bali lugi ang mga promdi nito. Dilawan talaga mga ayala.

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Pero kung double post bakit may mga nagka balance na millions and billions?