Ayaw ilabas ng bangko ang pera ko — ano ang magagawa ko?

Gawin na ngayon — hakbang-hakbang

Nasa Ingles ang mga hakbang sa ibaba.

1. Ask the bank IN WRITING for the specific reason it is withholding your money and the legal basis for it. Keep a copy — this is your written request under RA 11765.
2. Match their answer to a lawful basis: a court order, an AMLC freeze, a garnishment writ, a documented fraud or security hold, an uncleared cheque still in its hold period, or a set-off against a matured debt you owe that same bank. Anything else is not a basis.
3. If they give no lawful basis, or the hold drags on, file a written complaint through the bank's own Financial Consumer Protection Assistance Mechanism first.
4. If the bank does not resolve it, escalate to the BSP Consumer Assistance Mechanism (BSP-CAM) under Circular 1169 — an administrative process, no lawyer needed. BSP will ask whether you complained to the bank first.
5. Keep every reference number, screenshot, reply and date. The timestamped paper trail is what makes the BSP complaint move.

To: [bank name] — Re: Account no. [number]

You are withholding funds in my account, since on or about [date]. Please state in writing the specific reason and the legal basis for doing so, with its reference: the court order or AMLC freeze order (case number and issuing court), the writ of garnishment (case number), the cheque and hold period if this is an uncleared deposit, the debt and clause if this is a set-off, or — if this is the bank's own fraud or security hold — the specific ground and its expected duration. Please also confirm the balance being withheld and the name of the office handling this, and treat this letter as my written complaint through your Financial Consumer Protection Assistance Mechanism. Send your reply to this email address.

[Your full name]