About a week ago, their machine captures my ATM card without any reason. I entered my correct PIN, tried to withdraw an amount that was way below my balance, they approved the transaction, but suddenly, the card gets stuck in the machine. So, I had to waste time claiming my card and having it activated.
Yesterday, they debited P8,000 from my ATM account. I had to make a few phonecalls and waste at least an hour before I found out that the P8,000 was payment for my credit card. The haughty girl on the other line justified it by saying that I haven't paid my credit card bills for the last 2 months and that P8,000 was actually less than my credit card bills. What she didn't know was that as soon as I get my credit card bills, I already schedule online payments to be deducted from my payroll account (which is different from my ATM account) as soon as they become due. Unfortunately, BPIDirect had technical problems and they failed to deduct my bill payments from my payroll account. So, yesterday, without even trying to inform me, they deducted P8,000 from my ATM account.
I've already asked for the termination of my BPI Credit Card. I've cleaned out my ATM Account and I've already checked the requirements for getting an ATM for my payroll account. As for paying the rest of my credit card bill, I've decided to be petty and wait for them to sue me. I'll make sure that their lawyers squeeze money from them first before they get the rest of my payments.