On 10/30, an online money lending company, Tala Philippines, sent me cash to my main savings atm account with BPi, known as Bank of the Philippine Islands. In my online account I have 2 enrolled atm cards. I fund transferred some money from my main atm to my payroll atm which had a balance of roughly 30 pesos. The money got transferred through online banking but I was not able to withdraw the cash because there were no more cash available in the atm machines outside our office.
I went home and did a quick check on my balance and the money was still there in my payroll atm. Knowing the balance, the next day I decided to withdraw without doing any more balance inquiry. But after entering the desired amount to withdraw, the machine said I had insufficient funds. When I checked the balance, 300 pesos got debited from my atm surprisingly.
The bank branch in our office was closed but I called their customer service earlier to explain why there was a charge of that MUCH. The lady on the phone asked me if I was still part of the company I was working with and I said yes. So she processed a reversal which will take 5 banking days.
Today is 10/31. I got wrongly debited yesterday. I will expect that I will get back the 300 pesos to my payroll atm account by November 7, 2016, Tuesday. I will see if BPI has a good customer service or better customer service than the other banks.
Anyone having the same situation that I have? Feel free to share.