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Allow Me to Vent

Recently, I received a credit card statement. It says the total amount I owe the bank is PhP1,500 and the minimum amount that I have to pay is PhP200.

Now here’s the thing:
1. I do not have any credit card, or had any credit card in the past, from that bank.
2. I did not apply for a credit card from that bank.
3. I do not have an account with that bank.

I called the credit card’s hotline and here’s the conversation that transpired between me and an agent.

Miss N: Miss, I just would like to inquire why I received a billing statement when I do not have a credit card from your office. It says here I have to pay PhP1,500.

Agent: Ma’am, our record shows it is the charge for your annual fee.

Miss N: Yes, I can see that. But how can you charge me with annual fee when I don’t even have the card?

Sensing that I am in no way going to pay the amount, here’s the agent’s reply.

Agent: So what do you want us to do with your card? Ipadadala pa ba namin sa inyo, or cancel na lang?

The agent’s reply almost made me faint.

Do they really expect people to pay annual fee even without the card? Is this really how it works now? The bank is charging me for annual fee tapos wala pa naman sa akin ang credit card. SMY! Sabi nga ni Brother Utoy.

While other banks waive the annual fee for the first year, itong bank naman na ito is charging me annual fee before I could even use the card, or should I say, before I could even lay my eyes on the card. Eh ni hindi ko pa nga nakikita talaga ‘yung card na yun. I don’t even know how it looks like.

What surprises me is that the bank I am referring to is a reputable one. It’s one of the most respected banks in the country. Haaaaay….

Posted 8 years, 6 months ago at 11:18 pm.

35 comments

35 Replies

  1. brotherutoy Mar 24th 2009

    these are the times when you want to pull someone’s hair sa sobrang inis. sana you told us the name of the bank so we’ll be cautioned.รผรผรผ
    God bless!

  2. nortehanon Mar 30th 2009

    Hi Brother Utoy, hehehe feel mo bang manabunot ng hair? ๐Ÿ˜€
    Wag na lang po. I’ll just keep mum about the name of the bank. Baka lalo pang sumikat hehehe

    God bless din po!

  3. That sounds like a scheme that would be happening in America right now. What a shame – I wonder how many people have fallen for it?

  4. nortehanon Mar 30th 2009

    Hi Loren!
    It is nice to see you here again. Thank you for the visit.
    I was wondering if people would really fall for it ๐Ÿ˜€

  5. baka raket yan? ang nakakaasar pa dun ay nagtanong pa ang agent ng kung kelangan pa ba nila dalahin ang card o hindi na..ano ba yan? kakaloka naman yan..

  6. nortehanon Mar 30th 2009

    hehehe, sinabi mo pa po, Payatot. Ako rin nalowka talaga.

  7. what bank? ow. imbestigador na natin yan! hehe.

  8. nortehanon Mar 30th 2009

    hehehe wag na, Ax. After ko tawagan, siguro naman hindi na nila ako padadalhan ng second billing hehehe

  9. this is new ah! i’ve never heard of such scenario, may statement pero walang credit card. very odd! the card rep you talked to doesn’t sound odd to me though. maraming ganyan, parang bawal mag-isip! hahaha!

    na-curious ako sa bank na yan. taga-bank din kasi ako. we don’t have cards so i’m sure that’s not our’s. IM mo naman sa kin, Ms. N, hehehe!

  10. nortehanon Mar 30th 2009

    Hi Winkie,
    Aba, isa ka palang banker. Deal or no deal? hehehe. Yep, kaya nga nakakapagtaka bakit ako may statement eh wala naman akong card.

  11. sana nilagay mo yung bank name, para lam din namin.. hehe.. to avoid.. wla lang.. ๐Ÿ˜€ epal alng.. ๐Ÿ˜€

  12. nortehanon Mar 30th 2009

    Hehehe wag na, Gladys. Baka lang lalong dumami ang kliyente nila hehehe. Maging vigilant na ang tayo ๐Ÿ˜‰

  13. waaahhh.. grabe!!! terible naman yan! lokong agent yun ah.. however, since you were saying that the bank is a reputable one, tingin ko yung agent ang may sapak dun.. parang tinatamad magtrabaho at hindi ka binigyan ng mga options kundi ipadala yung card.. ok lang sya?! kung ako sayo, tawag ka uli tapos hanap ka sup para i-complain yung agent.. at least maturuan sya ng tamang customer service. and since hindi mo naman nagamit yung card (kasi nga wala ka naman talagang card), i’m sure they will cancel your account and waive the fee… try lang… it worked for my sister eh.. ๐Ÿ™‚

  14. nortehanon Mar 30th 2009

    Hi Edsie,
    Salamat sa pagbisita sa blog ko.
    Noon pong nagkausap kami nung agent, syempre sinabi ko nang wag na niyang ipadala sa akin ang card tutal hindi rin naman ako interested in having a new card. So I think ok na. Hindi na nila ako uli iinisin hehehe.

  15. grabe naman yan. anong bangko ba yan?

  16. nortehanon Mar 30th 2009

    Hi Eli,
    Yes, grabe nga. Hind ako madaling mainis pero kapag ganun kasi, talagang nakakainis eh. Hindi ko na lang po papangalanan yung bank na yun.

  17. Oh my gulay! This only a sign na grabe na ang problem sa pera ng ilang banks.

    Sana nga you can tell us para we can be warned. ๐Ÿ™

  18. nortehanon Mar 30th 2009

    Sorry, Quinnie. But I can’t name the bank here. Maging vigilant na lang tayo at wag pagogoyo sa mga ganyang sistema. Pag may dumating na billing na hindi naman dapat, magreklamo tayo.

  19. miss N, PM mo nga sa kin kung anong bank yang linsyak na yan. at nang magkaideya baka mamaya biglang may ganyan din sa kin e. ang pangalan ko pa naman everywhere. hahah! ๐Ÿ˜€

  20. nortehanon Mar 30th 2009

    hehehe AC, baka magulat ka kapag sinabi ko sa ‘yo kung anong bank hehehe. Wag na lang po. Basta kapag may nagbigay sa ‘yo na ganung billing, magbantay lang at ihanda ang sarili sa pagrereklamo ๐Ÿ˜‰

  21. ay teka, may napanood ako dati sa imbestigador yata yun o sa XXX.. basta sa post office. yung mga cards di na nadadala kung kanino nakapangalan talaga kase kinukuha nung mga nasa post office. ah ewan basta ganun scenario. hehe

  22. nortehanon Mar 30th 2009

    Ha, ganun? Naku, marami pa naman akong friends na taga-post office. Lumaki kasi akong very fond of sending and receiving snail mails eh.

  23. ms n … raket yan talaga… sorry na lang sila at di naman sila uubra sa iyo di ba?….

  24. nortehanon Mar 30th 2009

    Hi hab,
    Opo, ayun, tinawagan ko na nga at nagreklamo na ang beauty ko ๐Ÿ™‚

  25. Wicked bank! Sa panahon ba naman ng krisis, biglang susulpot na lang ang ganung scam. Ano to, desperate measure on their part to save their whatever? Ay naku. Time to stay vigilant nga talaga N.

  26. nortehanon Mar 30th 2009

    Tama ka, Dfish. It’s really pays to be vigilant palagi.

  27. ooops! ndi yan bangko namin, Php1200 lang annual fee namin hehe. system generated kasi yang AF. pareverse mo na lang, non-existent naman yung card eh รœรœ

    kaso parang ang bastos nung dating na “So what do you want us to do with your card? Ipadadala pa ba namin sa inyo, or cancel na lang?”

    she could have explained muna kung bakit may charge tapos iencourage ka to keep the account. la lang รœ

  28. nortehanon Mar 30th 2009

    Oh, hey, another banker!
    Yes, Jayvie, pina-reverse ko na po before I could even make my blog post.
    Yung agent, she didn’t sound mataray naman when she asked me that question. Pero yun nga, hindi niya na-explain sa akin nang maayos.

  29. sometimes kasi, the card is undelivered, shredded, but the acct remains open, dormant nga lang. but the annual fee will still be billed. they should reverse it. you never applied for the card right? the more they should waive it. you could file a complaint to check how the credit card account has been opened. baka may something fraudulent, not to scare you ah.

  30. nortehanon Mar 30th 2009

    I think naman okay na. After I made the call, hindi na naman nila ako siningil uli. Thanks for the advice, Jayvie.

  31. this happened to me too! and i’m not even based in manila! man i do not believe some of these companies ๐Ÿ˜‰

  32. nortehanon Mar 30th 2009

    Hi Caryn!
    Thank you for dropping in. I am honored.
    Wow, siningil ka sa Japan ng isang Philippine-based bank? hehehe

  33. ingat sa mga raketeer… nagkalat yan ngayon lalo pa’t recession. lahat gusto pagkakitaan, kahit monkey business.

    tulad kanina sa gitna ng traffic may nakasabay ako sa jeep na lalake. mukha naman siya matino, sane kung baga – maraming may 2 bag na puputok na sa siksik sa laman at nakapambahay outfit at madumi ang mga paa, may hawak siya nakarolyong papel at coins na P30 according sa kanya. tapos maya-maya ay nagsspeak ng kung anong local dialect na hindi ko maintindihan. if i am good with connect the dots eh he’s premise is that he got shrewed by an illegal recruiter at kulang ang pamasahe niya papunta sa lola niya na nakatira sa calamba. ang mga kasakay ko sa jeep ay samutsari ang reaction, may inis siyempre, walang pakielam (best friend ko), mayron todo hawak sa bag (tulad ko praning), at may busilak na kalooban para bigyan siya ng P32 para makarating ng safely sa calamba. bigla ba naman deadma at pakipot sa pagtanggap ng pera. nung ipinilit ilagay sa kamay niya hindi din nagpasalamat. kulang parin daw at gusto niya kumain at wala daw laman ang tiyan niya. nakuha pa niyang tumawad sa jeepney driver/barker na instead of P19 ang pamasahe from baclaran to sucat ay P14 nalang ang ibabayad niya. ipinipilit niya pang diretso daw siya baclaran – alabang. at lahat na ng tao sa jeep ay sinasabi na baba siya muna sucat at andun ang sakayan ng alabang. hindi daw siya marunong ng tagalog, bisaya daw siya. naghahanap daw siya ng kababayan na magbibigay sa kanya ng pera para makauwi sa lola niya.

    may sapak talaga ng tuluyan. dapat ata sa kanya ay sa mental institution. asan ba ang mga magulang nito o kamag-anakan, grabe naman at pinabayaan.

    eto namang bestfriend ko, pagbaba namin ng jeep eh sabi sakin bibigyan niya sanan ng P500 para makauwi na yun lalake ng davao o kung saan man. kaya lang kasabay namin sa jeep ang isang tita niya so ayun deadma siya. actually nagulat din kasi ako at keber niya lang sa commotion sa jeep. may soft spot kasi siya sa lahat ng gusgusin/baliw/palaboy sa kalsada, bata man o matanda. iba kami sa aspeto na yun, ang ibinibigay ko kasi pagkain, at bihirang bihira pa yun at hindi ako naniniwala sa drama ng ilan diyan na able bodied naman eh dapat eh magtrabaho nalang yun patas ba, hindi yun umaasa sa limos o tulong nalang lagi ng ibang tao.

    nga pala did you receive personally the statement of accounts? ingat lang na magreceive receive ng mga sulat, mamaya demand letter na yan. kung anuman wag ka rin makipag transact through phone lang. write them a reply letter. better yun, the evidence speaks for itself kasi. sometimes, defense is the best offense.

    good luck sa bank na yan. actually marami banks ngayon super desperate narin ata eh bira nalang ng bira basta-basta, nang-aatraso pa ng iba. dami kami asunto recently puro bangko mali-mali mga diskarte tsk tsk shame on the banking industry, gawa na nga ba ito global financial crisis o sadyang marami lang shunga na mga bangko.

    i’m not saying banks are really doing monkey business ah… this is just an opinion. pwde kasi the big bosses are not aware of the monkey business of their employees. tapos ang magkaka asunto yun bangko. tsk tsk

    effort ang comment ko ah… *sigh* have a happy thursday ahead po.

  34. nortehanon Mar 30th 2009

    hehehe salamat sa sobrang effort na comment mo, hukombitay. Mas mahaba pa ito sa post ko hehehe.

    Sa ngayon, sa dami ng mga nangraraket, dapat bantay lang tayo palagi sa mga nangyayari sa paligid natin.

  35. wow! that’s ridiculous! I never had any credit cards before… and here in the US, I have no choice but to get one coz I would love to build a credit history.
    Anyway, I wonder what happened after that event? are they still bugging you?


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