u/chiboooy

Hi everyone. I’m looking for advice from anyone who has dealt with something similar involving BDO, unauthorized credit cards, or BSP complaints.

BDO deducted ₱16,646.2 from my deposit account through a “deposit set-off” to supposedly settle a BDO ShopMore Mastercard ending in 6100.

The problem is:

I have never owned this credit card.

I never applied for it, authorized it, received it, activated it, possessed it, or used it.

I formally disputed the credit card account and the deduction with BDO and asked for the full ₱16,646.22 to be returned to my account.

BDO initially replied that my refund request had been endorsed to upper management but was declined. They said the money was used to fully settle “my BDO Mastercard” and cited their Terms and Conditions allowing them to set off credit card debt against a BDO deposit account.

I replied that this completely misses the issue.

I’m not disputing whether BDO can perform a set-off against someone who legitimately owes them credit card debt.

I’m disputing that the credit card was ever mine in the first place.

I asked them to provide documentation showing how this card was supposedly opened under my name, including the application, IDs used, registered contact information, delivery/activation records, transaction history, and their basis for linking the credit card to me.

Their latest response was:

“We assume that proper KYC has been established.”

This is what concerns me the most. They took ₱16,646.22 from my bank account, but when I dispute ownership of the credit card, their response is that they assume proper KYC was established.

I have now asked them to verify the KYC records instead of assuming and to show the documentary basis proving that I personally applied for or authorized this credit card.

My main goal is simple:

I want the full ₱16,646.22 returned because this is not my credit card and I did not incur this debt.

Has anyone experienced something similar?

Would you recommend escalating this to BSP at this point, or should I wait for another formal response from BDO first?

Also, if anyone has gone through a BSP complaint involving an unauthorized credit card/account or wrongful set-off, I’d really appreciate hearing how the process went and what documents I should prepare.

Thank you.

Hi everyone. I’m looking for advice from anyone who has dealt with something similar involving BDO, unauthorized credit cards, or BSP complaints.

BDO deducted ₱16,646.2 from my deposit account through a “deposit set-off” to supposedly settle a BDO ShopMore Mastercard ending in 6100.

The problem is:

I have never owned this credit card.

I never applied for it, authorized it, received it, activated it, possessed it, or used it.

I formally disputed the credit card account and the deduction with BDO and asked for the full ₱16,646.22 to be returned to my account.

BDO initially replied that my refund request had been endorsed to upper management but was declined. They said the money was used to fully settle “my BDO Mastercard” and cited their Terms and Conditions allowing them to set off credit card debt against a BDO deposit account.

I replied that this completely misses the issue.

I’m not disputing whether BDO can perform a set-off against someone who legitimately owes them credit card debt.

I’m disputing that the credit card was ever mine in the first place.

I asked them to provide documentation showing how this card was supposedly opened under my name, including the application, IDs used, registered contact information, delivery/activation records, transaction history, and their basis for linking the credit card to me.

Their latest response was:

“We assume that proper KYC has been established.”

This is what concerns me the most. They took ₱16,646.22 from my bank account, but when I dispute ownership of the credit card, their response is that they assume proper KYC was established.

I have now asked them to verify the KYC records instead of assuming and to show the documentary basis proving that I personally applied for or authorized this credit card.

My main goal is simple:

I want the full ₱16,646.22 returned because this is not my credit card and I did not incur this debt.

Has anyone experienced something similar?

Would you recommend escalating this to BSP at this point, or should I wait for another formal response from BDO first?

Also, if anyone has gone through a BSP complaint involving an unauthorized credit card/account or wrongful set-off, I’d really appreciate hearing how the process went and what documents I should prepare.

Thank you.

Hi everyone. I’m looking for advice from anyone who has dealt with something similar involving BDO, unauthorized credit cards, or BSP complaints.

BDO deducted ₱16,646.2 from my deposit account through a “deposit set-off” to supposedly settle a BDO ShopMore Mastercard ending in 6100.

The problem is:

I have never owned this credit card.

I never applied for it, authorized it, received it, activated it, possessed it, or used it.

I formally disputed the credit card account and the deduction with BDO and asked for the full ₱16,646.22 to be returned to my account.

BDO initially replied that my refund request had been endorsed to upper management but was declined. They said the money was used to fully settle “my BDO Mastercard” and cited their Terms and Conditions allowing them to set off credit card debt against a BDO deposit account.

I replied that this completely misses the issue.

I’m not disputing whether BDO can perform a set-off against someone who legitimately owes them credit card debt.

I’m disputing that the credit card was ever mine in the first place.

I asked them to provide documentation showing how this card was supposedly opened under my name, including the application, IDs used, registered contact information, delivery/activation records, transaction history, and their basis for linking the credit card to me.

Their latest response was:

“We assume that proper KYC has been established.”

This is what concerns me the most. They took ₱16,646.22 from my bank account, but when I dispute ownership of the credit card, their response is that they assume proper KYC was established.

I have now asked them to verify the KYC records instead of assuming and to show the documentary basis proving that I personally applied for or authorized this credit card.

My main goal is simple:

I want the full ₱16,646.22 returned because this is not my credit card and I did not incur this debt.

Has anyone experienced something similar?

Would you recommend escalating this to BSP at this point, or should I wait for another formal response from BDO first?

Also, if anyone has gone through a BSP complaint involving an unauthorized credit card/account or wrongful set-off, I’d really appreciate hearing how the process went and what documents I should prepare.

Thank you.