dito sa US, pag may dispute ka or unauthorized use sa card mo within 7 days resolved na, with refund. My card was used twice in another state, I have to change my card twice as well. Di ko alam bakit sa pinas pag may bank issues hindi kaya maresolve agad.
Not even 7 days, my bank and credit union gives me instant temporary credit for any unauthorized transaction I reported on my credit or debit cards. Then it becomes a permanent credit after they have completed the investigation! Maganda talaga ang proteksyon na binibigay sa comsumers dito sa Amerika! And credit card issuers should abide the rules and regulations strictly set ny Visa and Mastercard for disputes! Gladys, you have RIGHTS!
Protected kasi ang consumers sa US. 0 liability on fraud transactions. At financial review lang ginagawa nila to recover loss. And they have threshold for fraud losses. :)
My sibling also had his hsbc card hacked. Galing ibang bansa ang transaction. The bank declined the dispute kahit obvious naman na hacking. Ang daming ganitong complaints sa hsbc if you do your research, parang inside job na. Shady talaga ang bangko na yan, the were after all charged and fined for money laundering.
Yong grandmother-in-law ko, nawithdraw ng anak nya lahat ng laman ng account nya without bher knowing. Nagpakita daw ng kung ano anong papeles ang anak nya. Simot ang 500k!
Di ko ginagamit yung HSBC card ko pero nahack pa rin. Naresolve naman after 2 months. Kakastress sa true lang. Umabot na sa pinadeactivate ko other cards ko para mapanatag lang
Understanding din ang citibank. Last year, pinahiram ng mama ko yung card nya kay kuya. Eh na scam si kuya with usd 1k transaction. From africa yung gumamit. Nag explain si mama na hinde aware si kuya sa mga online scams. Ayun, Hinde na charge kay mama. Hayyy buti na lang.
Ktakot ang hacking sa Pinas. I opened an acct sa bdo para lang sa payment ko ng smdc property. It comes with a VISA atm card. I never used that ATM card ever. Sa SG ako naka base, pag silip mo sa account ko me nag charge sa debit card ko ng bill from a bar sa makati. Grabe ang tagal pa ng investigation. Although they returned back the amount deducted. Sa Pinas pag nag report ka, they will make you feel na nang gagangcho ka. Wala silang empathy sa situation at all.
Very true! At napakarami pang charges dito! Magba-balance check ka lang may fee na! Puro pahirap sa customers! Sad thing is walang politician ang nagbi-bring up nito sa kongreso or senado! Bakit kaya???
Wala bang OTP yang hsbc, karamihan kasi ng mga credit card ngayon lahat ng online transactions may dalawang beses na prompt, first one iveverify kung nagsesend ka nga ng ganitong amount then second yung OTP na
Same thing happened to me at hsbc
ReplyDeletePinalitan naman agad yun card
Copy BSP and DTI in your complaint emails.
ReplyDeleteDo this. Ma-fafasttrack ang resolution.
DeleteSad but true. Its nice u brought this to socmedia Ms. Glaiza.
ReplyDeleteSayang naman
ReplyDeletedito sa US, pag may dispute ka or unauthorized use sa card mo within 7 days resolved na, with refund. My card was used twice in another state, I have to change my card twice as well. Di ko alam bakit sa pinas pag may bank issues hindi kaya maresolve agad.
ReplyDeleteAgree. plus sa pinas they create barriers, to assist customers and resolve.
DeleteNot even 7 days, my bank and credit union gives me instant temporary credit for any unauthorized transaction I reported on my credit or debit cards. Then it becomes a permanent credit after they have completed the investigation! Maganda talaga ang proteksyon na binibigay sa comsumers dito sa Amerika! And credit card issuers should abide the rules and regulations strictly set ny Visa and Mastercard for disputes! Gladys, you have RIGHTS!
DeleteMostly kasi sa mga hackers sa pinas eh Inside job.
DeleteProtected kasi ang consumers sa US. 0 liability on fraud transactions. At financial review lang ginagawa nila to recover loss. And they have threshold for fraud losses. :)
Deletetarget talaga ng scam at phishing ang HSBC credit cards
ReplyDeleteMy sibling also had his hsbc card hacked. Galing ibang bansa ang transaction. The bank declined the dispute kahit obvious naman na hacking. Ang daming ganitong complaints sa hsbc if you do your research, parang inside job na. Shady talaga ang bangko na yan, the were after all charged and fined for money laundering.
ReplyDeleteI never liked this bank too. Their products are not impressive! Very Poor customer service!
DeleteYong grandmother-in-law ko, nawithdraw ng anak nya lahat ng laman ng account nya without bher knowing. Nagpakita daw ng kung ano anong papeles ang anak nya. Simot ang 500k!
DeleteOne poster said she/he never used her card. Na hack pa rin. Mukhang inside job nga.
DeletePlease be fair, HSBC has their OTPs and every bank has some cases like this. Na highlight lang with Glaiza's case.
DeleteNever liked HSBC too
DeleteDi ko ginagamit yung HSBC card ko pero nahack pa rin. Naresolve naman after 2 months. Kakastress sa true lang. Umabot na sa pinadeactivate ko other cards ko para mapanatag lang
ReplyDeletedami ko nababasa na incidents like this with hsbc buti na lang safe ako with citibank very strict sila with OTPs
ReplyDeleteUnderstanding din ang citibank. Last year, pinahiram ng mama ko yung card nya kay kuya. Eh na scam si kuya with usd 1k transaction. From africa yung gumamit. Nag explain si mama na hinde aware si kuya sa mga online scams. Ayun, Hinde na charge kay mama. Hayyy buti na lang.
Deletebat parang kasalanan din ng bank pag hacked ng IG at facebook nya.
ReplyDeleteHindi talaga maganda HSBC.
ReplyDeleteIm a dual resident. & when I had to open bank acct in Phils, takot na takot din ako. So saktong sakto lang talaga laman nya.
ReplyDeleteKtakot ang hacking sa Pinas. I opened an acct sa bdo para lang sa payment ko ng smdc property. It comes with a VISA atm card. I never used that ATM card ever. Sa SG ako naka base, pag silip mo sa account ko me nag charge sa debit card ko ng bill from a bar sa makati. Grabe ang tagal pa ng investigation. Although they returned back the amount deducted.
ReplyDeleteSa Pinas pag nag report ka, they will make you feel na nang gagangcho ka. Wala silang empathy sa situation at all.
Very true! At napakarami pang charges dito! Magba-balance check ka lang may fee na! Puro pahirap sa customers! Sad thing is walang politician ang nagbi-bring up nito sa kongreso or senado! Bakit kaya???
DeleteWala bang OTP yang hsbc, karamihan kasi ng mga credit card ngayon lahat ng online transactions may dalawang beses na prompt, first one iveverify kung nagsesend ka nga ng ganitong amount then second yung OTP na
ReplyDelete