BDO Unibank

BSP RegulatedSEC Registered

Philippine universal bank, the country's largest by assets, listed on the Philippine Stock Exchange (ticker BDO). BSP-supervised. Offers deposits, consumer and corporate loans, home and auto financing, credit cards, and trust services. As a BSP-supervised bank it operates a Financial Consumer Protection Assistance Mechanism (FCPAM) under RA 11765 and falls under the BSP Consumer Assistance Mechanism (CAM). Common consumer matters include release of the Cancellation of Real Estate Mortgage on paid-off loans.

https://www.bdo.com.ph ↗

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₱0

in damages claimed against BDO Unibank in the last 30 days

from 2 verified complaints

Complaints

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Calculate Your Damages

Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.

Disclaimer: These are estimated damages for filing purposes. Actual award is at court or regulator discretion. Emotional distress of ₱25,000/incident is a reference figure from PH jurisprudence, not a guaranteed amount. BSP penalties cite BSP Circular 1160 (2022). Lost wages at DOLE NCR minimum wage ₱645/day (DO 241-24, effective Nov 4 2024).

Your information (for PDF only)

Full name

Incident date

Address

Damages

Principal amount lost (₱) — the core disputed amount

Interest already paid (₱) — informational only, not included in damages claim

Lost wages — days unable to work due to this dispute

days × ₱645/day (DOLE NCR 2025) = ₱0.00

Medical expenses (₱) — capped at ₱100k without receipts

I have official receipts / OR (raises cap to ₱500k)

Emotional distress — qualifying incidents (₱25,000/incident, court discretion)

incidents × ₱25,000 = ₱0.00

BSP statutory penalty — months dispute has been ongoing(1% of principal × months, capped at ₱500k — BSP Circular 1160)

months → ₱0.00

Filing fee (small claims, A.M. No. 08-8-7-SC)₱1,000.00

Your damages estimate

₱1,000.00

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Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.

Worker Witness Reports

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Witness Wall

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First-person testimonies from BDO Unibank customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.

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Documented Issue Types

Refusal to Release Cancellation of Mortgage

Loan fully paid but the bank refuses or fails to issue the Cancellation / Release of Real Estate Mortgage needed to clear the title encumbrance at the Registry of Deeds.

BDO Unibank × Refusal to Release Cancellation of Mortgage

Accountability Ledger

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Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.

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Public Record

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Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving BDO Unibank. Every entry cites a primary source.

No public-record entries documented yet.

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User Reviews & Complaints

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1-2 star Play Store reviews for BDO Unibank, categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.

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App Permissions

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Declared Android app permissions for BDO Unibank, reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.

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