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RCBC Bankard

Philippines

Consumer complaints and reviews about RCBC Bankard

Brantz Send email
 
Jul 19, 2017

Clearance

I am a cardholder of bankard (mastercard) with card no. 5179681011855005 from Oct. 2011 to 2014 and renewed till 2017. But due to financial problems I was not able to pay on time and bankard terminated my account. Collection agency demanded me to settle it. It took me sometime to settle my overdue account. Last February 28, 2017 if I recalled correctly I called RCBC hotline informing them that I'm going to pay my overdue account. I paid the full amount told by the representative for me to pay on that very moment (receipt is still with me). With that I ask the representative if I can get a clearance indicating that I'm already paid in full. The representative told me that after a verification of the collection agency that my account is already settled they will send the clearance in my email address within 3 days after verification. Waited for a week but there was no clearance that came in my email. For I cant remember how many times I've been to RCBC branch to call their hotline and a representative on the other end of the line telling me that my clearance will be sent in my email after 2 working days but there wasn't any clearance up to this time. Its already been 4 months since my first request and I already had enough of their bull****.
eyrhonezoe Send email
 
Jul 12, 2017

interest charges

last month ang bill ko ay 52k . ang naibayad ko lang ay 46k so may kulang pa ako na 6k sa kanila nung nagbayad na ko ng 6k di na umabot sa cut off so meron na syang interest.. ok lang yun alam ko na mag kakaroon ng interest. pero bakit naman umabot sa 2300 ang interest charges ko.. can someone pls explain to me kung bakit sya umabot ng 2300? ilang percent ba ang interest charges na pinapatong nyo?
K.Rodriguez Send email
 
May 30, 2017

Long hours of waiting

Gusto ko lang sana sabihin na sana naman, gawan nyo ng paraan na ma minimize yung paghihintay ng mga customer. Kasi sa totoo lang it's really annoying and nakakabadtrip talaga lalo na pag may appointment ka or nagtatrabaho. Ilang beses na akong nagpa in-cash ng check at sa lahat ng beses ng yun talagang beastmode ako. Magpapa in-cash lang ako ng check ha, pero it takes about 3-4 HOURS na paghihintay para lang ma accomplish ko. Hindi ko alam kung bakit sobrang tagal talaga ng mga teller nyo. Mabuti pa yung ibang banks kasi sobrang bilis. Tapos yung pinakanakakainis is magcoclose yung ibang tellers during lunchtime tapos ISA lang yung matitira tapos marami pang customer na naghihintay. Sana naman before kayo mag close, tingnan nyo muna yung volume ng customer's nyo. Mabuti pa yung mga senior citizen ang bibilis niyong i accomodate pero kaming mga hndi pa nabibilang sa senior citizen, grabe2 yung pagpapahintay. I understand na baka may gagawin kayong mas importante o baka gutom na talaga kayo pero hello, gutom din naman kami ah at meron rin kaming mga trabaho. Sana gawin niyong tama ang trabaho nyo. Business kayo eh sana bigyan nyo naman ng importansya ang mga customers nyo.
ajtata Send email
 
Apr 19, 2017

Head-Scratching Regulation

Our loyalty with the bank is more than 16 years. It may sound as a 'petty problem' but I've just had a recent misconception upon the rule 'Don't use or turn off your cellphones inside the bank'. Well, simply to provide security and prevent robbery right? But just few hours ago in Rcbc Jaro Iloilo City branch security guards kept reminding clients before to enter their premises ...'Never use your cellphone' its like 'I dare you to never bring your phones' with the understanding if there is a call or text you must answer it outside the bank. Then damn waiting for almost an hour and a half waiting for your turn on bank transaction I just want to kill out time and boredom. Newspapers or magazines were rarely provided while waiting so what are you going to do...Sleep? So i went to play on my cellphone app and viola, I was accosted by the guard while pointing to their famous signage. 😖 I think the bank never explained to.them further what 'emergency' really means.
IamGen Send email
 
Apr 18, 2017

Manager's check uncashed

I have been a member of RCBC since 2010. The first card I had with them, I had it canceled because I got a better offer from a different company. I paid off the account and couple of days after paying it off I called to get it closed. Rep said we regret losing your business but we respect your decision, blah blah blah, I was offered a retention package but I declined it. I was assured that my account was already closed. Couple of months later I received a call from an RCBC rep saying I owe them and I have not been paying them for over 3 months, it turned out my card was never closed (as requested) and now I'm already in collections because of the Annual Membership Fee. I escalated the situation and asked a supervisor to have it rectified. After a lot of efforts and ordeal I got the situation cleared and received a letter confirming the account has been closed and in good standing. Thanks to the dedicated supervisor who helped me resolve the issue.
jmaguire Send email
 
Apr 9, 2017

Annual Fee

I called Bankard last year and requested that my annual fee be waived. The rep was very engaging and after a few minutes of waiting he finally said , its done, No more Annual Fee . Now i check my statement and what do i see? Annual Fee !!!! I called the hotline immediately and i was informed by the agent ( ARL, she refused to give me her ID ) that even if i was already upgraded whatever i have been paying before i have to continue paying it. In short, whatever transpired before about waiving my annual fee was a total LIE. I requested for a supervisor and i was put on hold so many times and still no supervisor. I asked for a case number or a reference number and i was not immediately given one , the agent put me on hold again before she was able to give me a reference number , i asked for a supervisor so i can check and confirm the information given by the agent = No supervisor ! Now, she has given me a way out - or an option . She said she can waive it if i will spend 3,000 before May 9. Yeah, i can definitely spend the 3Thousand but what is my assurance now that they will waive it ? I have been with RCBC for 5 years and i was never late in my payments. I was given information that they will investigate the record 3-5 working days?!!! or that i will receive a call-out ? Please be honest in your dealings
Rhod galos Send email
 
Feb 24, 2017

Lost money

I enchash my own cheque amounting 150 thousand the teller named Melchor tapel counting the lose money amounting 50k but i didnt notice that he count the 1 bundle of money assuming d amount of 100k with out even telling me how much or how many 1000 bill. That time they r offering me the online banking and giving me d flyers. After he count d 100k (just once) he directly put d money in d envelop so rest assured that i have 150k on that envelope but when i deposit d money to other bank they say its only 80k! I emmediatly called d office of rcbc to check and ask d teller but after that i didnt receive any call from them that day after that i rush to rcbc office hoping i can talk with d teller but unfortunately the manager didnt allow us to talk and they only keep blaming me since it was my fault! Now how can i trust them? So meaning all depositors are no right to complain and ask for explanation? I think thats there modus! It is already clear that they can do things like that!


ArkiTexture Send email
 
Dec 9, 2016

Incompetent Reps and Managers

I have 2 credit cards from the RCBC (MasterCard and VISA). I was offered by one of their reps to avail YOUR CASH amounting to Php 55,000 and it was enticing since the rep told me it would be better to terminate all bills and pay in full plus I can use the money left for something else, which I did. I called their hotline Sept 15 to inquire how much it would cost me to process pre-termination on all of my installment plans in my MasterCard. I asked the representative to give me the total amount i need to pay to zero out all my bills. In short, the expectation set was the due amount (as it was my due date on that very same day Sept 15) plus the sum of all installments and all pre term fees. It was very clear to me that the estimation given by the rep was more or less Php 41,000 to zero out and I will be getting the whole Php 55,000 credit limit available. That lady rep asked my permission to process such request given that I will be paying the estimated amount of more or less Php 41,000 and I agreed. She told me the process will take 5 business days so I called a week after, all to find out that the estimated amount I have to pay was Php 56,000. 15,000 difference is not an estimation. I asked another rep to retrieve the call I made Sept and to also transfer me to a supervisor or a manager but no one is available that day. I cant believe a big company such as RCBC do not have managers on shift to take care of cases like this. She said she will escalate my case which I don't know if she really did as her promise of someone calling me the same day was not delivered. I called again couple of days after and was told someone did call me and oh yes, someone did and tried once and never tried again. What a shame. Again a rep promised a callback but no one did. That was Thurs Sept 29 I think. My due date for my MasterCard was Sept 15 which the same day I called to process the pre termination. I was ready to pay the same day to avoid the penalty. But since I was told it will take 5 business days I was under the impression I will not be penalized. The rep did not mention about me being penalized still. My instruction is very clear. I was willing to pay the same day, process all pre termination and give me the total amount to zero out and get the whole 55,000 credit limit back. In short, I ended up paying for more. They just waived the late fee and that's it.

And that's not it. The rep that offered me YOUR CASH also processed it incorrectly. For 12 months instead of 24 months I agreed on.


Now, this company would not even waive my annual fee. No consideration at all. My financial constraints are caused by the same company I am partnering for years. Such a shame.
mtayco Send email
 
Oct 24, 2016

Charged Without The Card

I reported my card which was stolen back 2nd of October, 2016 and they told me that they will process for a replacement card. They also informed me that there would be a fee which will be charged on my credit account as payment for the replacement card. Upon reporting of the stolen card, I informed the representative that the card needs to be delivered on my office address since no one will claim whenever it will be delivered on my home address. The agent acknowledged my request. I made a follow up a week after but the next agent told me that the delivery address was not updated and she needs to do that on her end. The agent informed me that there will be a verification process that needs to be done. After a week, I received my statement which already reflects the CHARGE for the REPLACEMENT CARD but the card is still not in my hand. I immediately called the RCBC hotline to make a follow up since the CHARGE was already reflecting. The agent informed me that within the week it will be delivered. Today, 24th of October, I called in again and given with a status that it is still on the address verification process. This process is really ridiculous! First, the customer service doesn't pay attention. Second, the delivery address verification period is too long which in fact their courier had already delivered it before in my office address. Think it would be best for RCBC not to offer credit cards to their clients.
mdabanto Send email
 
Apr 11, 2016

CREDIT CARD FULLY PAID

I was a bankard card holder before, due to personal problems my account was due and demandable, a RANZELL COLLECTION & GEN. SRVS, contacted me, and have a settlement, in short as per collection agency debt acknowledgement and repayment agreement... my account was already fully paid since January 31, 2007. I don't recevied any letter from BANKARD or at collection agency since then. Now 2016, after 9 long years, unfortunately, due to retirement, i was informed that i have an overdue account at BANKARD... i was terribly shock, what happen to my payment? no clearance was issued to me by the agency and BANKARD... for God sake, napakahirap ng buhay to settle the obligations but i made it... so please have action on this... thank you
Jhapz Send email
 
Mar 9, 2016

False Advertisements, Very Slow Card Delivery

Now, I applied for an RCBC Instacard (fastest way to get a credit card according to their ads) last Feb. 4. After I've deposited the money and submitted documents, the teller told me that I will have to wait for 2-3 weeks for my card to be delivered. So I assumed she was talking about working days so I counted the days and called them Feb 26. That is, what I expected, that my card should be delivered but then the customer service rep told me my card is still processing, which I have no idea why since its an Instacard not just a regular credit card application. So, giving the benefit of the doubt, I waited for ONE MONTH for my card. March 4 I called again and they said thats my card is already approved and I will receive it by March 5.. Then comes March 5 and there's still no RCBC Instacard knocking on my door!! I called today, March 9, and the customer representative told me I will receive my card by Friday, March 11. wow!! I should have returned my professional license as a chemical engineer since my education did not advised me that a Credit Card Company and A Famous bank can fool me like this. ITS A NO NO NO NO NO TO RCBC BANKARD GUYS!!!
elmacosca Send email
 
Jan 14, 2016

delivery of voucher for my reward points

I am a client of rcbc bankard for 10 years and I'm very disappointed. I redeemed my reward points by calling the customer service and advised that the voucher will be delivered after 3 to 5 banking days. I followed up several times and called the customer service hotline and all I got was different reasons that it was holiday season that's why it took so long. I called last Dec 10 until today I still hasnt received the voucher they promised. Is this the kind of treatment a 10 yr client deserve from a respectable card corporation. I tried to talk to a supervisor but no one was available. I would like to know an update on my request. The reward points promo encourages the clients to use their credit cards but do you think I will still use my card to earn points after what I experience now I will think twice if I will still use my rcbc credit card or even refer it to my friends and relatives .


.
agent79 Send email
 
Aug 12, 2015

NEW CARD

My bankcard credit card was expired last year and I'm now abroad. I sent tons of messages to Contact US and even emailed them using the service@rcbcbankard.com but still no action regarding renewing my card. Unlike in HSBC, they set an appointment to call me because of the timezone difference and sent my new card thru DHL (that's quality customer service!!!).

I have a good credit standing and I was thinking are they just lazy or no brains at all to accommodate us especially those who are outside the Philippines? I have another card, mastercard which will expire next year and I don't want to waste my money to travel back to the Philippines just to debate this issue. I have requested them to cancel my credit cards but since I can use it abroad (my card was connected to Paypal), I told them I will continue to use and will pay the balances online banking. I hope someone from bankard will stumble upon this website. They are too vigilant in collecting debts and sending notices. Another thing, the online banking statement didn't arrive on time. I even asked them to refresh my subscription because they have terminated it without informing me.

Pathetic bank.
patria cabuyao Send email
 
Mar 26, 2015

notices of non-payment

Please be informed that I was advised that Bankard have not received my payment for the month of February, 2015 for my Card No. 3562868852227002.

Please be informed further that I have made my payment last February 12, 2015 at 9:23:55 at Express Pay, Tayabas City, Quezon with TX Reference No. BP 798651d2fc amounting to ONE THOUSAND PESOS (P1,000.00)
rambo2015 Send email
 
Feb 7, 2015

customer service collection rcbcbnkard

bt d aq mk access sa e statement ko...n lagi meron aq message na sa roaming ko ksi po nsa abraod aq....stating a certain bnkard number w/c d ko nman bnkard number....actually nk enroll aq sa BLOCK COLLECTION acct.....n bnigyn aq certain amt na dpat byaran.....so binabayaran ko nga n supposedly mtatapos na aq mgbyad ang problema bothered aq sa lgi message from my raomong na kesyo meron dpat i settle na amt due w/c almost a year na aq d nkkgamit ng creditcrd ko ksi nga nailagay kmi sa FREEZE acct na un nga nka block collection aq n un nga hindi acct number ko ang nk message dun pero lgi p rin...n ang hirap contakin kyo from broad.....now sn b puede mk access na may mk usap na personal assistance tnx
Imelda_52 Send email
 
Jul 23, 2014

Cash Loan Services

Greetings!

I'm writing this to inform you about a certain issue regarding in payments in cash loan, without even receiving my check with the amount of 35,000 pesos. I apply for the approval of my check since July 5, 2014, hence I had receive a text message that my check is on the way to its delivery, they also mentioned that I just have to wait for 10 working days, unfortunately until July 23, 2014, I did not receive my check and just a mean while I received my statement of account(SOA) for July 29, 2014 and the check had been concluded in my account. Moreover, my monthly installment is 3,122 pesos and this is for first month. This is the mistake of this bank. "As a costumer do I have to pay any bills in my account without even receiving any check" so of course not. Finally I need any response coming from RCBC bank regarding this serious issue that I'm facing right now, please do call me as soon as possible.
koikai Send email
 
Feb 26, 2013

Overdue Account

Sir/Madame:
I am a Bankard credit card holder way back 2003-2004. Now my case is with a certain law office here in our city. I called them up, today Feb. 26, 2013 at around 2:05pm-230pm. I was able to speak with thier representative I believed. I called them up in good faith, to talk w/ them on how I can pay my overdue account in a divided payments. I told the man over the phone that I can start paying this coming May15 to June 30 of this year. The agent told me that their client (Bankard) is giving me a discount amounted to P26,200.00 instead of P46,620.41 only until March. He said he can help me have my accounts divided in four payments but I have to start paying this coming March 2013. I humbly ask the representative over the phone if i can ask their office to adjust their due date and allow me to start paying April 15, 2013 instead of March 30. But he said, " ay wala na tayong pag uusapan dito ms ___". Ganon po ba talaga? Can't we meet halfway? And ganon po ba talaga ka rude yong mga representative ng mga law offices, mukhang mga walang pinagaralan. Feeling nila di cla ngkakautang kung maningil akala mo sila may ari nang bankard ayaw mg give way kahit nakiusap ka na nang maayos. Tatakutin ka pa na pakukulong! Bakit ako lng ba ang may utang sa bankard? Nakipag usap naman ako pero parang sa nakausap ko earlier, he left me no choice. Pwede ba ako sa main office makipag ugnayan re: my case?
RUY5823 Send email
 
Feb 22, 2013

Attorney Call Agents from RCBC Credit Collections

I was also called by a certain attorney from a law firm that they were the ones handing collections, and demanded that I pay the whole amount of 24K in 24hrs. Is he for real?! or just woke up with a bad mode..Well, I am not that rich that carry that amount of money on a daily basis, and when i ask for some others way the attorney insisted me to pay or else I will be black listed. Is the bank really that desperate that they cant wait for me to pay. I know I am not able to pay on time immediately but should the attorney at least talk properly to clients from RCBC Credit cards. Do Attorneys now have a call center job? he even called me "iho" such an improper way of addressing clients. Good or Bad clients should be addressed sir. Attorney learn some lessons!
Rize1989 Send email
 
Mar 12, 2012

Customer Service/Collections

that's the same thing happened to me...I juz paid the minimum payment and a day after someone from their collections office called me and told me to pay the entire amount or else I'll be blacklisted...They don't want to have payment arrangement either and want me 2 juz pay the entire amount...Thanks for sharing...I won't pay them coz itz not sure f they will still activate my account... good thing i hav other credit cards:)
Proud_Jesu Send email
 
Feb 23, 2012

Customer Service/Collections

I really agree..No wonder they are giving their cards for some simple requirements..Now that I am cancelling my card, they said they cant because I have to pay some charges for that..I said I am not that stupid..I really dont believe in that company..They have the lamest and arrogant methods I ever saw..I hope everybody can read this..RCBC-BANKARD IS A NO-NO!
Robert Bugarin Send email
 
Feb 23, 2012

aroogant collection officer

credit card holder willing to pay but collection officer was so rude that the collection officer hang up the phone when the spouse was on the line.. and even cursed at the spouse and threatened to be sued... when spouse insisted to talk to some other collection officer, they hang the phone again.

bankard company issued a demand letter saying that they are from a certain law fim... so the credit card holder decided to contact the telephone numbers given by the law firm to pay.. but instead the arrogant collection officer answered the call again.
Proud_Jesu Send email
 
Feb 23, 2012

aroogant collection officer

Sorry James..But I think they dont care..They will take your money as long as they wanted too..Same situation here..Well, just keep on pushing them on what you want to do..Dont worry, BAD KARMA will come for them.
Biedeb Send email
 
Feb 23, 2012

Customer Service/Collections

I have a credit card that I wasnt able to pay on time, I called customer service ASAP as soon as a I have the cash to pay for it and asked them how much do I have to pay for it to be reinstated, customer service told me that a minimum payment of 3000 will do, I paid the said amount and then called them again the following day. I was surprised because now they're telling me that the account was forwarded to collections department and I have to pay the whole amount. What a waste. I told them I just paid the minimum amount due and how come I wasnt informed that its gonna be forwarded to Collections. I didnt get any notice from collections. Customer service doesnt know what to do and just referred me to collections. I called collections about the problem and they said I have to pay the whole amount right away or else Im gonne be BLACKLISTED. WTF!! so this is how RCBC works, they aint gonna inform u about whats happening on your acct and then 1 day you'll realize your in a pinch.
Ishinigami Send email
 
Feb 23, 2012

Customer Service/Collections

Yeah, they are hell of a mess... I paid my account since December 3 of 2011, they said upon complete payment my card will immediately be activated (Im talking directly to a collections officer) it has been more than a month now and I still cant use the card! Ikaw pa ang kailangan magpaulit ulit na tumawag sa kanila and pagpapasa pasahan ka! Pag maniningil magagaling magsipag tawag sayo..pag nakabayad ka na at ikaw na ang mangungulit na magpaactivate ng card na BINABAYARAN MO NAMAN e mga wala nang pakialam sayo!

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