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BSP complaint tracker

You filed a complaint with the Bangko Sentral and now you are waiting. Keep your Case Reference Number and every date in one place here, and this tracker counts the days for you and shows what comes next. It matters because BSP-CAM publishes no fixed response timeframe — there is no official deadline to wait for, so the only clock is the one you keep yourself.

When a bank or provider goes quiet, the fix is climbing the ladder in order — written demand, BSP mediation, BSP adjudication under RA 11765, and if it comes to it a court petition. Mark each stage done, record the key dates and your BSP case number, and the response deadline is computed for you. Nothing is sent anywhere; it saves in your browser only.

⏱ Deadlines counted in banking days (weekends skipped)
Sa FilipinoNakapag-file ka na ng reklamo sa BSP at wala pa ring sagot? Itago dito ang Case Reference Number mo at ang bawat petsa — bibilangin nito ang mga araw para sa iyo. Mahalaga ito dahil walang nakatakdang panahon ng pagsagot ang BSP-CAM, kaya ikaw lang ang may orasan. Kung binabalewala ka ng bangko, sunud-sunod ang tamang hakbang: sulat na demand (15 banking days para sumagot), mediation sa BSP, adjudication sa BSP (RA 11765), at kung talagang ayaw pa rin — petisyon sa korte (§108). Naka-save lang ito sa browser mo, walang ipinapadala kahit saan.

Not sure BSP is the right body for your complaint? Check which regulator handles your case →

0 / 5 stages marked done

  1. 1. Send a written demand to the bank (FCPAM)

    Send a dated written demand to the branch and the bank's Financial Consumer Protection Assistance Mechanism (FCPAM). Record the date you sent it — the tracker computes the bank's response deadline.

    Generate the demand letter →

  2. 2. Wait for the bank's response

    The bank has 15 banking days to act on your demand. If the deadline below passes with no release of the Cancellation of Real Estate Mortgage, you have proof of availment and can escalate to BSP.

    Enter the date you sent the demand in Stage 1 to see the deadline.

    Read the full mortgage-cancellation guide →

  3. 3. Escalate to BSP-CAM mediation

    File with the BSP Consumer Assistance Mechanism through the BSP Online Buddy (BOB) chatbot on bsp.gov.ph, or email consumeraffairs@bsp.gov.ph. Continue until you get a reference number, then record it below.

    How to file with BSP →

  4. 4. Request BSP adjudication

    If mediation stalls, ask BSP to adjudicate under RA 11765. BSP can adjudicate civil claims of ₱10,000,000 or less; its decision is final and executory. Mark done once you have requested adjudication.

    BSP escalation guide →

  5. 5. File a §108 petition in court (RTC)

    If the bank still will not release the cancellation, a §108 petition (PD 1529) asks the Regional Trial Court, as a land-registration court, to order the annotation cancelled judicially. Generate the draft, then bring it to a lawyer to finalize.

    Generate the §108 draft →Find a free lawyer →

Your progress is saved only in this browser (localStorage) — nothing is sent to a server, and it is not shared across your devices. Automated deadline reminders are a planned future feature. Informational only, not legal advice.

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