Another Bad Experience with Citibank

I posted before about BDO vs Citibank service and I voted for Citibank as a better one. But then this is the 2nd time that I've encountered bad service with them.  This time my problem all started when they upgraded my credit card to titanium. For almost three years I don't have any problem accessing my account online. However after they change my card I can no longer access it. Even the e-bill that they are sending me I am unable to open. I requested online for them to send me my cash advanced pin so that I can register again but it's been almost a month and I haven't receive anything. I was able to access what I need to using the quick inquiry online and I said this would be good for me for the meantime. But after the last update on their website I can no longer check my account even on quick inquiry. Both my credit card are not working. I tried to re-register since I was able to find my cash pin but it doesnt accept it, I guess because I have a new cc. I visited Citibank in Madrigal but since I am too early the guard just asked me to call the hotline. I talked to a young lady named Lye and she said she would send me my new cash pin and I should get in within 5-7 banking days. I hope this would fix my problem because I have no way to check how much my bill at all without calling them. 

BDO Personal Loan Application Form

My post is not to discuss how to apply for a personal loan at BDO but rather the bad experience that I had just to get an application form.

I have a personal loan at Citifinancial. Their interest is quite high so I was thinking of transferring it to a different bank. Yesterday I decided to go to ATC (Alabang Town Center) to visit GE Money to inquire about the personal loan that they offer. Unfortunately, the branch there doesn't entertain loan application.

My son, David, is with me because I would bring him to his pedia at SM Southmall due to an on and off fever for 3 days already. We arrived early at SM so after our registration at the clinic I decided to visit BDO to inquire about getting a personal loan. When I entered the bank there was a queue and everyone are sitting on the chair. After one transaction is done you move to a another chair. It is already 1:30pm and David's doctor will arrive at 2pm. Everything is running smoothly until an old lady cut in to the line. I told myself , that is alright it is only a single person and it still early to go back to the clinic. Then the rep allowed another lady to cut into the line which kind a irritate me. After the guy in front of me  was done it was my turn. I am sitting in front of the customer rep who is very busy working on her computer. She did not even entertain me or ask what I needed. She just keeps on typing, walking around getting some papers etc. It is already 2:10pm and still she did not glance at me even for a second. What I did when the other customer rep is done with her client I approach her and ask if she can be of service. I told her I want to inquire about their personal loan. All she did was give a one piece of paper and said to submit it back with all the requirements.

I waited for 45mins just to get a piece of paper. I guess they could just give it to the guard and anyone can get the form in just a couple of seconds.

Citifinancial 24-hours Loan Application

Yesterday I went to CITIFINANCIAL in Imus to inquire for their 24-hours loan application. I guess because I have a Citibank Credit Card and don't have any record of delinquent payment I was given an approval that same day.

Their service is too fast... there is no question about it. But the thought of having a big amount of loan gives me a combination of both joy and fear. Joy because of getting the money that I need and fear not able to pay it and get harass by their collecting agents.

I've read a lot of complaints and harassment over the internet especially those who have loans with Citifinancial.

Below are some of the forums about their experiences.... kinda scary...

CitiFinancial - Mga Bastos
Collection Agency Harassment
Credit Card Delinqency
Walang Konsensya

Those agents treat you like criminals and they will even send people to your house to scare you. They will even call your office and even harass you co-workers and make a shame of you. My mom have the same experience with those people when she retired from work but after few months of harassment my mom decided to talk to the attorney and settle the bill. She was given an amnesty.

I hope I will not experience those horrible stories I've read on the internet and be able to pay my loan on time.

ChinaBank Bad Customer Service

The link below is the requirement posted on Chinabank.com.ph to be able to open a chinacheck plus.

http://www.chinabank.ph/personal/pagedetail.aspx?id=A4BFCEED-565D-413B-8EA3-A238AD476ACE&link=20f445a8-3971-4b81-b42f-8c4a5aba7792

Because of the low initial deposit requirement I got interested since I needed it for my housing application. I was informed by my brother that he was able to open the said account at ChinaBank SM Bacoor without any hassle. He doesnt have an existing account with them but he was able to get the check including the passbook on the same day that he applied. So after my shift today I decided to go to Chinabank at SM Southmall since it is more convenient for me. I was shock because the customer service rep told me I should have an existing account with 20k balance for the past 6months. It was never mention on their website and my brother doesnt have an existing account. She refer me to her manager. I told the manager that my brother was able to open an account in SM Bacoor and he was not asked of the requirement they were asking me. And guess what he told me "Eh d pumunta ka don." He even asked me whats your business, which I didnt answer not bec. I dont have a business but because of my disappointment. They are both Chinabank and they were following different policy. It appears to me that what they have on their website is a false adverstisement. What really makes me disappointed as well is I was treated like a trash and not valued at all as a customer. It appears that they only offer good service to those client who have big savings account. The manager did not show any interest of helping me. Because of what happen I withdraw my remaining balance and open an account to a different bank. I hope their management will do something about these or else they will lose other clients as well. They should value all of their customers and treat them equal.