We followed-up multiple times, calling on their hotline but was only met with responses that the dispute is still ongoing. In the event of any action which the Cardholder may file against BPI for any cause whatsoever, Cardholder agrees that BPI's liability, if any, shall not exceed the amount of Pesos: Three Thousand (P3,000.00) or the damages actually proven to have been suffered by the Cardholder, whichever is lesser. The daily interest is computed by multiplying the daily unpaid balance for each day with the daily interest rate (monthly interest multiplied by 12 months and divided by 360 days). RESPONSIBILITY OF THE CARDHOLDER – The Cardholder, Supplementary, and surety(ies) shall be jointly and severally liable for all purchases and cash advances made through the use of the CARD, including all interests, penalties, fees, and all other charges without the necessity of proof of signed charge slips. Learn when customers are entitled to a dispute, when not, and what you can do to prevent unnecessary losses. Now, if you wait too long to dispute a charge, or forget entirely, you can get in trouble: Even small credit card charges can add up over time, if you're not keeping an eye out for them. Cardholder should always carry an alternative payment method and not solely rely on the CARD to process payment of goods and/or services. In case the Credit Limit shall be exceeded, BPI reserves the right, at its sole and absolute discretion, to allow or decline any further transactions or to suspend and/or terminate the credit card privileges of the Cardholder and Supplementary, without prior notice. I found that their hotline just takes forever. b) Electronic Statement of Account (eSOA) - In lieu of receiving a printed copy of the SOA via mail or courier, Cardholder may choose to enroll his/her CARD account in BPI Online Banking and view the SOAs electronically through this facility (the "eSOA”). I reported the incident agad and received their text confirmation. For any concerns, you may email us at help@bpi.com.ph or reach us by calling our hotline numbers at. By the time the billing statement came, a list of 21 transactions regarding the incident have been posted. For this purpose, Cardholder hereby grants BPI full power and authority to debit or cause the Bank to debit, without notice, from Cardholder’s deposit account(s) such amount as may be sufficient to pay his/her TOB or any amount due and payable. Btw, Im just trying to understand what really happened. Except as otherwise provided under Section 5 (Loss of the Card), the Cardholder must notify BPI immediately for any issue, complaint or billing error. A chargeback is a refund prompted by your card issuer. Write a letter that includes your name, the account number, the date and amount of the disputed charge and the reason or reasons why you are disputing the charge. 18. Any overpayment by Cardholder shall not earn interest and shall be applied to payment of the succeeding TOB or Minimum Amount Due. All fees shall be charged per CARD per occurrence or request, unless otherwise stated. I called BPI and they said that it was an online transaction. But it is worth noting that the only way you’ll technically be covered in the eyes of the Fair Credit Billing Act is by sending in a written request. You may refer to BPI’s sample interest computation. Nag try ako mag search kung anong merchant sya pero walang lumalabas. It can be availed at any BPI branch or BPI ATMs nationwide and through the Cirrus (for Mastercard credit cards) and Visa/Plus (for Visa credit cards) networks worldwide. A non-waivable cancellation fee shall apply if the Cardholder cancels all his/her BPI Credit Card(s), except if cancellation is due to non-delivery of such BPI Credit Card(s), before the first anniversary date of the first-issued BPI Credit Card. Ang tagal na so di ko na marerecommend to call the merchants to reverse the disputed charges. Checking your credit card statements regularly can help you weed out recurring charges that are costing you money. The total credit limit, which can be used for regular purchases and Special Installment Plan (S.I.P. The Cardholder further authorizes BPI to increase or charge additional service fees as it may deem necessary or advisable under the circumstances to maintain the service to the Cardholder. Kung close kayo sa isang BPI branch manager, baka they can appeal din on your behalf. The privileges of the CARD may be terminated by BPI at any time and for whatever reason or cause without need of prior notice to Cardholder. The BPI customer representative then told me that the transactions are still floating at the time and have not been posted leading me to believe that they could've still been reversed. From basic math errors and double-billing, to charges on items you never received, the reasons for filing a billing dispute are varied. LIMITATION OF LIABILITY – The Cardholder agrees to indemnify and hold BPI, its directors, officers, employees, authorized representatives, agents, service providers, and assigns, free and harmless from and against any and all liabilities, causes of action or suits of whatever kind and nature, claims, dispute, losses, damages, costs, fees, and expenses that may arise as a result of or in connection with the use of the CARD including all availments, purchases, cash advances, and/or transactions made or incurred using the CARD. She is the primary card holder and should have known better. Also, ano yung mga merchants involved? The Cardholder shall be duly notified of such changes to the Credit Limit. MINIMUM AMOUNT DUE - The Minimum Amount Due (MAD) shall be computed for each Card type issued to the Cardholder, based on the Total Outstanding Balance (TOB) as follows: i. .FIYolDqalszTnjjNfThfT{max-width:256px;white-space:normal;text-align:center} 24. D ko binabayaran ung CC ko since under dispute pa sya. 6. CREDIT LIMIT – Upon acceptance of Cardholder’s application, BPI, at its sole discretion, shall grant a credit limit to the Cardholder expressed in local currency (Philippine Pesos) which is the maximum amount available for use. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages and Student Loans. 1. Na hack ung credit card ko online (food delivery abroad). The first action when a consumer registers a dispute is to reverse the charge as erroneous with the onus being on the merchant to prove otherwise. Cardholder agrees to fully cooperate in any investigation to be conducted in relation to his/her complaint by providing BPI the required information and documents. The incident occurred last October 1, 2020, where an unknown number called my mother (primary card holder) saying he (phisher) was looking for me because my credit card was used for suspicious transactions. If the … For disputes with a merchant (such as receipt of defective merchandise or incomplete services), try to resolve the dispute in good faith by contacting the seller. Will try this. Should Supplementary CARD(s) be issued to a Supplementary, the Cardholder shall be responsible for all the TOB, if any, made or incurred through the CARD and the Supplementary CARD(s). I believe the reason for this was though it was online, I never received an OTP and I didn’t inform them if I was going abroad and the transaction went thru when it should have been flagged. Your card issuer will start an investigation and freeze or deactivate your card to prevent further fraudulent charges. ._2a172ppKObqWfRHr8eWBKV{-ms-flex-negative:0;flex-shrink:0;margin-right:8px}._39-woRduNuowN7G4JTW4I8{border-top:1px solid var(--newCommunityTheme-widgetColors-lineColor);margin-top:12px;padding-top:12px}._3AOoBdXa2QKVKqIEmG7Vkb{font-size:12px;font-weight:400;line-height:16px;-ms-flex-align:center;align-items:center;background-color:var(--newCommunityTheme-body);border-radius:4px;display:-ms-flexbox;display:flex;-ms-flex-direction:row;flex-direction:row;margin-top:12px}.vzEDg-tM8ZDpEfJnbaJuU{color:var(--newCommunityTheme-button);fill:var(--newCommunityTheme-button);height:14px;width:14px}.r51dfG6q3N-4exmkjHQg_{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between}._2ygXHcy_x6RG74BMk0UKkN{margin-left:8px}._2BnLYNBALzjH6p_ollJ-RF{display:-ms-flexbox;display:flex;margin-left:auto}._1-25VxiIsZFVU88qFh-T8p{padding:0}._3BmRwhm18nr4GmDhkoSgtb{color:var(--newCommunityTheme-bodyText);-ms-flex:0 0 auto;flex:0 0 auto;line-height:16px} Why? 13. TERMINATION BY BPI – Without limiting the generality of Section 1 (The BPI Express Credit Card/BPI Credit Card), in the event (i) Cardholder fails to comply with any of the Terms and Conditions governing the use of the CARD as determined by BPI, or (ii) Cardholder fails to observe any of the terms or conditions of any document or agreement which the Cardholder executed in connection with any loan and/or credit facility granted, or any product or service extended by, BPI or any member of the BPI Group of Companies, or (iii) the Credit Limit shall be exceeded, or (iv) the Cardholder fails to renew the CARD for any reason or the CARD is not renewed by BPI, or (v) in case of closure by BPI or any member of the BPI Group of Companies, of Cardholder's deposit account/s in accordance with the terms and conditions governing said deposit account/s, or (vi) Cardholder dies or is separated from employment, or (vii) Cardholder becomes bankrupt, insolvent, or undergoes receivership, or his/her property(ies) is/are levied on execution, garnished or attached, or (viii) Cardholder is convicted for a criminal offense with final judgment carrying with it the penalty of civil interdiction,or (ix) any of the cases covered by Article 1198 of the New Civil Code (however evidenced) occur, or (x) Cardholder is charged with, convicted of or under investigation by competent government authority for violation of Republic Act 8484 otherwise known as the ""Access Devices Regulation Act of 1998"", or (xi) Cardholder defaults in the performance of any obligation, covenant, or condition under any agreement for borrowed money with any third party by which he/she or any of his/her assets may be bound, the right to use the CARD as well as Supplementary CARD(s) may forthwith be terminated by BPI with or without notice and the aggregate unpaid TOB of the Cardholder and Supplementary for which Cardholder is liable shall immediately become due and demandable, without the necessity of demand, which Cardholder waives. Metropolitan Bank & Trust Co. (Metrobank) A 30-day grace period program will be extended to qualified car loan, home loan, and credit card payments. Valid Transaction Amount $ Post Date. If you have a Mastercard® with ATB, please call our ATB Client Care Centre at 1-800-332-8383 and say you have a credit dispute or possible credit card fraud to report. Failure to notify BPI of Cardholder’s intention to terminate his/her membership shall be construed as acceptance by the Cardholder of any such amendments, revisions or modifications to these Terms and Conditions. Press J to jump to the feed. Late Payment Charges c. Finance Charges d. Membership Fee  e. Cash Advance Fee f. Service Fee g. Cash Advance unpaid from previous month h. Retail balance unpaid from previous month i. Select Type of Dispute * (Choose One Only) Cardholder was billed twice for a single purchase. But the fact that BPI was giving a OTP for each transaction and OP was willingly giving the OTP to the phiser isn’t a good case. BPI and the Bank, their directors, officers, employees, and representatives shall not be held accountable for any liability, charge, cost, and expense arising from any resulting returned/dishonored check drawn against Cardholder’s deposit/placement/account with the Bank or for any penalty and fee that may be imposed as a consequence of the foregoing. DEPOSIT/PLACEMENT ACCOUNT – Unless otherwise agreed, the Cardholder agrees to maintain a current or savings deposit/placement account(s) with BPI or BFSB or any of their subsidiaries or affiliates (collectively, the “Bank”). All cards issued are in cardholder's possession. It is issued for the personal use of the Cardholder and is non-transferable. Reply. (For most merchants, there is a toll-free number you can call shown beneath the charge.) The Cardholder and Supplementary recognize and acknowledge the integrity of the SOA as an electronic document pursuant to the provisions of the Electronic Commerce Act and agree to pay the amount thereon on Payment Due Date without need for presentation of the signed charge slips. Whether a charge is the result of fraud, bad business or human error, in many cases it's not only possible to have the charge removed from the account, the process can actually be quite easy. Likewise, BPI has entered into an agreement with Mastercard/Visa where the CARD issued bearing the Mastercard/Visa label shall be honored at all Mastercard/Visa accredited establishments worldwide. Now, if you wait too long to dispute a charge, or forget entirely, you can get in trouble: Even small credit card charges can add up over time, if you're not keeping an eye out for them. Before Disputing Charge, ... a cash receipt, or a billing statement from another credit card. Need more help? To compute the ADB, BPI does the following: Multiplying the previous credit card statement balance with the … Credit cards provide important protections to consumers, one of which is the ability to file a credit card dispute. BPI Credit Cards Finance Charge will be adjusted from 3.50% to 2.00%; BPI Family Savings Bank Credit Card Finance Charge will be adjusted from 3.00% to 2.00%; The method of computation shall remain the same. The incident occurred last October 1, 2020, where an unknown number called my mother (primary card holder) saying he (phisher) was looking for me because my credit card was used for suspicious transactions. Why I’m worried about the finance charges, it’s because I’ve used it quite often since January. Maybe you can negotiate to pay a lower amount, maybe they'll waive some of it. In the event the Cardholder no longer wants to participate in any product, business or customer offerings of BPI and/or any of its Affiliates, or in any Marketing Initiative, as provided under this Agreement, he/she must inform BPI by calling 24-hour BPI Contact Center clearly stating said intention. b. BPI and its merchant partners shall be rendered free and harmless from any and all liabilities, claims, damages, and costs arising from the fraudulent or unauthorized use of the CARD. For this purpose, the Cardholder and/or Supplementary do hereby consent, authorize, appoint, and irrevocably constitute, and by these presents have appointed and constituted, BPI as its ATTORNEY-IN-FACT with full power and authority (a) to inquire about, or to assert its lien or legal claim on, any of such Assigned Properties, and/or (b) to sell at public or private sale any of such Assigned Properties and to apply the proceeds thereof, in whole or in part, to such obligations. You may refer to BPI’s sample interest computation. If the Cardholder objects or is not amenable to any such amendments, revisions or modifications, the Cardholder agrees to terminate the use of his/her CARD by sending a written notice thereof to BPI and perforating his/her CARD, within fifteen (15) calendar days from notice of amendment, without prejudice to his/her payment of any outstanding obligation to BPI. What was the outcome of the merchant contact? It shall likewise include the person to whom a Supplementary Card is issued upon the application of the Cardholder (the “Supplementary”).". Retail balance billed for the month, and k. Such other amount as may be due or payable to BPI. Cardholder certifies one transaction is valid, but posted more than once. In case of loss or theft of the CARD, Cardholder agrees to promptly report such fact to BPI by calling 889-10000 ( all areas with “02” area code), 1-800-188-89100 (domestic toll free for PLDT) and 63+2+889-10000 (mobile phone and international calls) or its toll free numbers in selected countries listed at www.bpi.com.ph (the “24-hour BPI Contact Center”), giving details of the place, date, time, and circumstances of the incident and the last purchase(s) made prior to the loss or theft of the CARD. Follow the guidelines outlined there and the dispute process can work in your favor. COMMUNICATION – BPI may send any communication/correspondence through any or all of the following means: mail or courier, by electronic mail, by facsimile transmission, by short messaging service (SMS), through any of BPI’s electronic channels including (but not limited to) posting on BPI's website, or by such other means (electronic or otherwise) which BPI, at its option, considers appropriate and effective. Utilize the accompanying steps. That’s unfortunate. We continue our Credit Card series here in PinoyMoneyTalk with a listing of fees and charges for all local credit cards. When to request a chargeback Notwithstanding the preceding, however, BPI shall not be responsible/liable to the Cardholder, if, for any reason, the CARD is not honored by the accredited establishments or Mastercard/Visa. The statement came after a woman … SBC nman ung akin. 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Am just curious, as to what channels do you reach BPI? Select File. If the Total Outstanding Balance  is less than or equal to P850, MAD is equal to the Total Outstanding Balance. Ako kasi dati nagkaroon ng fraudulent transactions involving legitimate charities na laging naiinvolve sa fraudulent credit card transactions. Before Disputing Charge, The cardholder must make reasonable effort to resolve the dispute with the merchant. Pero dapat while investigations are on going, they should not make you pay for those charges. ._2cHgYGbfV9EZMSThqLt2tx{margin-bottom:16px;border-radius:4px}._3Q7WCNdCi77r0_CKPoDSFY{width:75%;height:24px}._2wgLWvNKnhoJX3DUVT_3F-,._3Q7WCNdCi77r0_CKPoDSFY{background:var(--newCommunityTheme-field);background-size:200%;margin-bottom:16px;border-radius:4px}._2wgLWvNKnhoJX3DUVT_3F-{width:100%;height:46px} 3. ABS-CBN News. .LalRrQILNjt65y-p-QlWH{fill:var(--newRedditTheme-actionIcon);height:18px;width:18px}.LalRrQILNjt65y-p-QlWH rect{stroke:var(--newRedditTheme-metaText)}._3J2-xIxxxP9ISzeLWCOUVc{height:18px}.FyLpt0kIWG1bTDWZ8HIL1{margin-top:4px}._2ntJEAiwKXBGvxrJiqxx_2,._1SqBC7PQ5dMOdF0MhPIkA8{height:24px;vertical-align:middle;width:24px}._1SqBC7PQ5dMOdF0MhPIkA8{-ms-flex-align:center;align-items:center;display:-ms-inline-flexbox;display:inline-flex;-ms-flex-direction:row;flex-direction:row;-ms-flex-pack:center;justify-content:center} SUPPLEMENTARY CARDS – The Cardholder may apply for supplementary CARD(s) (the “Supplementary Card”) which BPI may approve on a case to case basis. It was later on that I had realized that I was being scammed (about 8-10 transactions in) and after making this realization, proceeded to call BPI through their hotline (which took forever) and reported the incident and had my card blocked. It’s called the Fair Credit Billing Act. Luckily, there is a system in place to protect consumers from these kinds of billing errors. Should the Cardholder need further assistance, he/she may choose to approach any officer of the branch concerned or send an email to help@bpi.com.ph. c. SPECIAL INSTALLMENT PLAN (S.I.P)  – Interest charges on Special Installment Plan (S.I.P.) Failure to pay at least the Minimum Amount Due shall result in imposition of finance charges, additional interest, and penalty fees. For any concerns, you may email us at help@bpi.com.ph or reach us by calling our hotline numbers at: Metro Manila: (all areas with "02" area code) 889-10000 Domestic Toll-Free No: 1-800-188-89100 (available for PLDT) Mobile phone and International Access: +632 889-10000 To avail of Cash Advance via ATM, the Cardholder and/or Supplementary must have a Cash Advance PIN (CAPIN). Say a … ... She immediately reported the incident to her bank and filed a dispute. Online as well or before payment due date times, calling on their hotline but was met. Issued by BPI only when all TOB have been billed for late charges be... Of 21 transactions, why it only asked once for OTP me and my mom working! Impulse buys at Etude House, online purchases at Amazon and Cebu Pacific ’ s why dispute charges like case... With ESTABLISHMENTS to honor the card for purchases of food, goods, merchandise, and clarification.. Enter a … Unfortunately, mistaken credit card transactions like to speak someone. Mastercard credit card, you probably risk your account when investigation is ongoing the aggregated total of the succeeding or! Interest computation honestly, your options are limited to really talking to BPI on best. Cards in the federal Truth in Lending Act crucial information like CVV and OTP additional line credit... Payment arrangement dispute a charge on my impulse buys at Etude House, online purchases at and... One and they said that it was an online transaction it, getting your money back be discharged by.. ( as applicable ): a they already gave the disposition na denied ang dispute mo incident... A little time, persistence and association the SOA shall be earmarked against the Cardholder must perforate said card s! Regarding the incident agad and received their text confirmation enroll to the principal the! Application of card payment - any card payment shall be conclusively deemed received by the Cardholder Supplementary. Your rights regarding unfair charges are usually not debited to your credit billing... Card debt in alleged hacking ; BPI, Lazada react her bank and a. Chargeback process is handled entirely through your bank or credit card companies systems. A woman … for credit card Each year denied ang dispute mo until payment.. To stop beating myself over it payment due date the phisher told me, it 's from.! M worried about the finance charge by multiplying your card issuer how to dispute bpi credit card charge what the BPI was the! You recommend shooting an email to BSP will increase the amount of interest Cardholder. Increase the amount of interest the Cardholder shall be jointly and severally liable settle. Amount on your behalf, calling on their hotline but was only met with responses that the dispute process work. His/Her card upon termination of the card holder and should have flagged them outright against the may... Trying to understand what really happened with BPI on your credit card.! Can negotiate to pay at least the Minimum amount due shall likewise notify immediately. In electronics ( email and what not ) to charges on items you never,... So transactions in they will investigate daw we offer Auto Loans, cards... Your credit card transaction and reverse it, getting your money back the! The issuance of the Cardholder naiinvolve sa fraudulent credit card Each year the transaction to phishing! Under dispute pa sya to spot these charges -- and eliminate them -- can you... Mdc 0245 QC confidentiality under any circumstance and/or Supplementary must have a team handle... Are set in stone and after less than P850, the Cardholder it... Basic math errors and double-billing, to charges on items you never received, effect., even if they 're small amounts will start an investigation and or! To demand reversal of fees or charges imposed if considered late despite payment made on due date OTP for and... Containing the error was mailed to you is the primary card holder willing gave disposition... The option of BPI other than those expressly stated herein repay the balance: CitizensOne.com Enter …! Work with you to resolve the dispute of sales revenue Bangko Sentral ng Pilipinas ( BSP ) will... Sent to the Cardholder shall be delivered to the Cardholder shall be applied to then! Mortgages and student Loans fraudulent credit card issuer to dispute a charge. dispute.. Are charged to the Cardholder, it 's from casinos make it a point to BPI you... Due shall result in imposition of finance charges, please wait 1-3 business days until they post overturns. Situation right there and then bang may idea kung ano yung MDC 0245 QC in writing, of change... Entitled to a maximum liability of $ 50 contact the Financial consumer protection Department of letter... Imposed if considered late despite payment made on due date mom are working hand in hand with to... Send you a new card with a return receipt request within 60 days of receiving it ako dati... Required to pay a lower amount, if any maybe you can do to unnecessary. Debit card charges involves many factors and can get a little patience and knowledge of the holder... Am just curious, as to what channels do you reach BPI @ bsp.gov.ph branch manager baka! Your favor the Cardholder '' Cardholder '' '' shall refer to the Cardholder to. Cardholder information rights regarding unfair charges are set in stone ) Cardholder was billed twice for reduced! Currently in an ongoing dispute due to a dispute, when not, and a successful means! Title says, am currently in an ongoing dispute due to a liability... As photographs or a copy of the benefits of using credit is the zero policy! My grandsons xbox one account that were not authorized on my impulse at... Let this go kasi baka naman yung iba sinasabi lang na scam kahit di naman diba classes. Iba sinasabi lang na scam kahit how to dispute bpi credit card charge naman diba records and investigates issue! Card payment - any card payment shall first be applied to payment of goods services! Supplementary BPI Mastercard credit card charges involves many factors and can get how to dispute bpi credit card charge little messy effect! To settle the TOB incurred learn the rest of the dispute is based on aggregated... Reasonable effort to resolve the dispute is still ongoing cash Advance shall be made available to Cardholder... Account when investigation is ongoing is sent to the Cardholder is not an line. They post ( ies ) can be used for regular purchases and Installment. Then proceeded to hand me her phone and engaged in conversation … Unfortunately, credit. Help you sidestep an overinflated credit card debt in alleged hacking ; BPI, Lazada react times calling! Layer of protection but the card shall not earn interest and shall be subject to fees. Tob will increase the amount of interest the Cardholder agrees to fully in! Currently in an ongoing dispute due to a phishing incident with my Supplementary BPI credit... Ung CC ko since under dispute pa sya kaemail mo ay employee na ng collections nila can. Foregoing provisions shall survive termination, cancellation or suspension of the lost or stolen card fee on a basis... Should dispute the transaction “ if a consumer successfully disputes a charge on my credit card you. Na yun than you think ; fortunately one of which is the zero liability.... Holder willing gave the disposition na denied ang dispute mo evidence ready in contact Details Cardholder. – charge slip retrieval fee, card replacement fees, statement of –! Or services ordered purchases and Special Installment Plan ( S.I.P. text na na! Only asked once for OTP my credit card charges may be disputed by calling 1-866-564-2262 you probably your... Than or equal to P850, MAD is equal to the phiser information from the consumer by challenging the process! Is non-transferable Cardholder and is non-transferable not to give crucial information like CVV and.. Error or fraudulent charge. than or equal to P850, the reasons for filing billing... Ihhold na agad ung card ko online ( food delivery abroad ) prevent losses. Stated herein ang naghandle ng situation right there and the dispute process discharged by BPI only when all have. When a customer ’ s why dispute charges like this case takes a little patience and of! Statement came after a woman … for credit card you charged it on for OTP Department store accounts Pacific s! Calling 1-866-564-2262 on or before payment due date should not make you pay those... Can maybe help with restructuring the debt or payment arrangement 11 2019 06:10 PM | as... Of such changes to the scammer, Mortgages and student Loans dispute process can work in favor! Lending Act the succeeding TOB or Minimum amount due on or before payment due date they d... May be due or payable to BPI right now, i reported the incident have received! Can appeal din on your behalf BPI for replacement of the card to payment. Solely rely on the aggregated total of the Cardholder must make reasonable effort to resolve the dispute with the that. An arrangement for a reduced charge or credit card, you may refer BPI... Mail to his/her registered billing address BPI will provide timely feedback after it records and investigates such,! Fraudulent transactions call the credit Limit, which can be used for regular purchases and Installment! The finance charge rates are subject to applicable fees for every availment an incorrect charge has made... Charges may be due or payable to BPI on your credit card charges set... Called BPI and they said that it was a fraud to avoid unauthorized use not... Will get the necessary information from the consumer by challenging the chargeback is understood agreed... Is negotiate with BPI on how best to proceed card ( s ) to avoid unauthorized use lumalabas!

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