[gabo]

Hi,

I need advice from you kasi it's the first time that I encountered this kind of problem. Di ko pa alam kung anong susunod na gagawin ko.

History
Nag-transfer ako ng funds from my Chinabank account to LoadCentral's Metrobank account through Internet banking (Chinabank Online) last September 4, 2008 at around 9 P.M. Nag-proceed naman yung transaction at nag-reflect din naman kaagad sa Transaction History ko na may transaction ngang nangyari. Since it was an interbank transfer (IBFT), I got charged Php 25.00. It was also shown in my Transaction History. Metrobank and Chinabank are Bancnet member banks.

Problem
September 5, 2008: Hindi na-credit ng LoadCentral yung LoadCentral account ko kasi hindi nila makita yung transaction na ginawa ko. LoadCentral contacted Metrobank. LoadCentral said that Metrobank is claiming na walang funds na dumating sa kanila. LoadCentral said na wala raw nakasulat sa ledger ng Metrobank na may transaction na nangyari from my Chinabank account to LoadCentral's Metrobank account. How could this be? Electronic banking (EBK) ang ginawa ko so dapat computers na nila ang gumawa nun. Automatic na dapat yun. Pero bakit walang record on their end samantalang may record naman ako on my end?

Action Taken So Far
Since I'm not a Metrobank customer, my only contact is LoadCentral.

I e-mailed LoadCentral a screen shot of my Transaction History. I also e-mailed Chinabank Online team to inquire about the said transaction. They responded 48 hours later, stating that their records showed a successful transaction.

Ano na ang susunod na move ko? Please advise. Alam ko talagang walang problema on my end kasi may evidence ako to prove it. Pero ayokong ma-"water" lang yung funds na na-transfer ko sa Metrobank. Even if I claim that my end is clean, walang mangyayari kung side ko lang ang aasikasuhan ko. What should I do?

 

[sparksoflife]

Hi Gabo, I just have some questions.....since you did an interbank transaction, is the said bank in the same city(branch) where you transfered the money? Kung sakali man the same city lang it should be credited in real time! Pero kung sa ibang region mo naman pinasa, it is possile na magtake pa sya ng isang linggo kasi minsan kahit real time ang banko mo regarding internet fund transfer, possible kasi magkaroon ng problema ang system ng pinadalhan mo. Nangyari kasi ito sa akin dati at inabot ako ng 10days bago na credit yong pera. Ibang bangko nga lang yon at hindi Chinabank. Saka, sa ganitong sitwasyon, sa pagkakaalam ko, kung sakali di umabot sa banko kung saan mo pinadala yong pera, it will be automatically na babalik sa account mo yong pera as long as both parties are aware of the said problem. Ofcourse it would take time nga lang daw bago maibalik sa account mo. Yon kasi ang sinabi nila sa akin eh. Pero panay tawag ko noon to follow up both parties!!!! Sa tingin ko, ang may problema ay yong receiver bank!!!! Kasi OK naman ang Chinabank...Kaya, you follow up always the Load center or Metro bank.... kasi tingin ko sa kanilang system ang may problema...if I will based it in my experience. For the moment, print the copy of your transaction in a PDF file to be your proof!!!!

[gabo]

Hello sparksoflife,

Maraming salamat talaga sa reply niyo, sir. September 14 na ngayon pero di ko pa masyadong na-follow up ang both parties. Sige tatawag ako sa Chinabank bukas at sasabihan ko din ang LoadCentral na i-follow up regularly yung transfer.

Yes sir, same city (branch) yung dalawang banks. I'm from Davao pero yung Chinabank account ko is enrolled at the main branch sa Makati (Paseo de Roxas). Na-check ko din yung Metrobank account at sa Makati din pala yung branch nila (Herrera St., Legaspi Village).

Baka nga nagka-problema yung system that time. Salamat ulit, sir. I-follow up ko na 'to kahit gaano katagal basta ma-credit lang yung pera o maibalik sa account ko.