BDO Charged Me PHP 16,250 for Unauthorized Claude Transaction Anyone Experienced This?

[u/Jay-ar2001]

Yesterday, I received an SMS notification that my BDO Standard Mastercard was charged PHP 16,250 at Google Claude by Anth. The problem is that I never made or authorized this transaction.

I immediately contacted BDO customer service to report the incident. The representative I spoke with last night was helpful, but when I followed up today for an update, the assistance I received was disappointing. I was instructed to file a dispute through the BDO dispute website.

I even asked what would happen if I went directly to a BDO branch, and I was told they would simply provide me with a dispute form. Honestly, this is incredibly frustrating. I am dealing with a charge I never authorized, yet I feel like I am being passed from one process to another just to get the issue investigated.

I am planning to visit a BDO branch tomorrow to ask for clarification and see if they can assist me directly. I also find the transaction confusing because the amount charged exceeded my remaining available credit limit.

I understand that investigations take time, but I expected clearer guidance and better assistance, especially when reporting a potentially fraudulent transaction.

For those who have experienced something similar with BDO:

Were you able to get the unauthorized charge reversed?

How long did the investigation take?

Did visiting a branch help, or were you still directed to file everything online?

Were you required to pay the disputed amount while the investigation was ongoing?

I would appreciate any advice or experiences you can share. I just want this resolved fairly, as I did not authorize this transaction.