My PNB (Tokyo) experience

[mikan1227]

I just want to share with you my bad experience with Philippine National Bank (Tokyo Branch) about their remittance service.

Last October 23, 2006 (Monday) I used their remittance service for the first time. I received their Memorandum for Remittance October 26, 2006 (Thursday) I noticed that there was a mistake with the beneficiary account number I reported it to them the same day and the person whom I talked with admitted that the mistake is on their part. I told them to make the correction as soon as possible since the beneficiary account number is my checking account in the Philippines and I told them that it is urgent because I issued a cheque dated November 3, 2006. I waited for their call for confirmation if they fixed the problem but no sign of anything. I was the one who called them for many times asking and begging them to fix the problem.

I don't deserved to be treated like this I pay for their service. I am very disappointed about the service of PNB Tokyo Branch. I am just wondering how many OFW like me be treated like this with our own bank. For now I just prefer the service of other bank rather than PNB no wonder their service is cheap because they can not give you good service.

As I'm writing this letter Im still waiting for the PNB Tokyo Branch for their confirmation if they tranfer correctly my remittance. And take note the date today is November 1, 2006 it is obviously holiday in our country and by November 3 2006 its holiday here in Japan. You guessed it right I will have a bouncing cheque my other bank will penalized me and the person whom I issued the cheque will get mad at me. See, and whose fault? :(

[scorpionight]

Hello mikan.,just this month i read the advertisement of PNB in tokyo.,I thought they were good on service,I plan to open a yen accnt.,but since you post this one I had a second thought of it now stick to metrobank na lang eventhough their not that accommodating to us.,thanks anyway,.hope your case will be fixed soon as possible.

[mamimo]

I just want to share with you my bad experience with Philippine National Bank (Tokyo Branch) about their remittance service.

Last October 23, 2006 (Monday) I used their remittance service for the first time. I received their Memorandum for Remittance October 26, 2006 (Thursday) I noticed that there was a mistake with the beneficiary account number I reported it to them the same day and the person whom I talked with admitted that the mistake is on their part. I told them to make the correction as soon as possible since the beneficiary account number is my checking account in the Philippines and I told them that it is urgent because I issued a cheque dated November 3, 2006. I waited for their call for confirmation if they fixed the problem but no sign of anything. I was the one who called them for many times asking and begging them to fix the problem.

I don't deserved to be treated like this I pay for their service. I am very disappointed about the service of PNB Tokyo Branch. I am just wondering how many OFW like me be treated like this with our own bank. For now I just prefer the service of other bank rather than PNB no wonder their service is cheap because they can not give you good service.

As I'm writing this letter Im still waiting for the PNB Tokyo Branch for their confirmation if they tranfer correctly my remittance. And take note the date today is November 1, 2006 it is obviously holiday in our country and by November 3 2006 its holiday here in Japan. You guessed it right I will have a bouncing cheque my other bank will penalized me and the person whom I issued the cheque will get mad at me. See, and whose fault? :(


Usually, bank transfer cant be completed without verifying if the account name and number as well as the bank branch doesnt match the details provided by the remitter. Anyhow, if PNB really did a mistake with this transaction it needs lot of effort in your side to complain may it be over the phone or through letter. Make sure to forward it on the proper person to handle this problem and demand an urgent reply. But I believe this requires some times to fix it coz they need to trace and retrieve the fund to where it was wrongly deposited.

[Eleina]

I will have a bouncing cheque my other bank will penalized me

Nangyari na rin sa amin ang mahuli ang dating ng remittance...and we called them in UK take note sa amin pa nakacharge. And told them the person hasnt received the money. And of course merong silang mga dahilan. But their reasons are not an excuse. They should have done what they were supposed to for they were paid for it and they agreed with the terms. But you can argue with that the whole day with the office employee in the end dehado ka pa rin. So i suggest that you talked to the same person you talked to. And if you cant get a positive response then talk to his authority. Maybe his boss or maybe his boss's boss. He could be here in japan or he could be in the philippines. Make sure to raise the point that due to this inconvinience you are suffering a loss and they should compensate for it since it was incurred due to them and their unreliable service. Also make clear to them the amount you need for compensation. Kasi bigyan ka nga nila 5piso naman aanhin mo yun. And you must have him agree to the amount.

This is what happened sa amin so it lang ang maipapayo ko sayo. Sana it works out:)

[ayumi]

sad experience Mikan san,
I'm a PNB user eversince.So far,so good.
But a month ago,I requested a cheque book,
I already sent my payment of 3,000yen by genkin kakitome for the 2 cheque book
but I never heared any reply until now.
I already called one week after I send my payment.
I just remembered again today because of your thread.
I have to call tomorrow for follow-up on my book request.

Bank transactions is really very important,
that you must be answered as fast as they could.

[mamimo]

[quote=ayumi;183745
Bank transactions is really very important,
that you must be answered as fast as they could.[/quote]

sad truth is "sorry" lang ang kaya nilang sabihin bilang pantapat sa kapalpakan nila:(

[makulit]

@mikan1227
i am sorry to hear about the trouble that you had with PNB.

i have been banking with them for over 6 years and i didnt experience any problem.

call them again today and inquire if the problem is fixed. also, dont you have access to your account online? i access mine online kasi to check movement of funds.

@ayumi
i also order my checkbooks from pnb tokyo. it takes 2 months to process. unlike you, i always opt for 'charge my account' when requesting for new checkbooks. i just send PNB post stamps worth 500 yens so that they can forward the checkbooks to me when it reached them. i never had the need to call them to follow up the status.

just sharing ...

[mikan1227]

[quote=makulit;183846]@mikan1227

i am sorry to hear about the trouble that you had with PNB.

i have been banking with them for over 6 years and i didnt experience any problem.

call them again today and inquire if the problem is fixed. also, dont you have access to your account online? i access mine online kasi to check movement of funds



@ayumi
i also order my checkbooks from pnb tokyo. it takes 2 months to process. unlike you, i always opt for 'charge my account' when requesting for new checkbooks. i just send PNB post stamps worth 500 yens so that they can forward the checkbooks to me when it reached them. i never had the need to call them to follow up the status.

just sharing


***i have access online sa Metrobank account ko lang thats why nachecheck ko kung nandun na yung pera eh until this morning wala pa rin eh :( sobrang abala talga ang ginawa sa akin ng PNB ako na lang ang gagawa ng solution kasi kung aasa ako sa kanila walang mangyayari kinausap ko na yung tao na may hawak ng cheque I just asked na
wag muna ipasok yung cheque by Friday pumayag naman kasi sinabi ko nga sa kanya yung situation.

balak ko ibalik na lang yung pera na remitt ko sa kanila then remit na lang ako sa iba nakakafrustrate talga ang PNB Tokyo Branch nadala tuloy ako first time ko lang gamitin yung service nila ganito pa ang nangyari balik na lang ako sa dati kahit mahal mabilis naman at wala pang problema. I called Metrobank asked them kung panu magremit sa kanila wait pa ako another week para sa application form kaya yung bank na lang dito sa Japan ang gagamitin ko yun nga lang 6000 yen ang babayaran ko :(

[love0308]

Bad experience talaga yan:( update mo kami kung ano na ang nangyari after that incident:)

[jollibee]

mikan1227-san,

I'm sorry to hear your story pero kahit naman sa iba (like Metrobank) ay nagkakaroon din minsan ng problem. Last time nga inabot din ng mahigit one week bago makarating yung niremit ko sa Metrobank Tokyo.


I called Metrobank asked them kung panu magremit sa kanila wait pa ako another week para sa application form kaya yung bank na lang dito sa Japan ang gagamitin ko yun nga lang 6000 yen ang babayaran ko

mahal naman yata ng 6kyen...remittance din ba yan? kasi sa Metrobank 2kyen lang lagi ang binabayaran ko.

[makulit]

mikan1227-san,
mahal naman yata ng 6kyen...remittance din ba yan? kasi sa Metrobank 2kyen lang lagi ang binabayaran ko.

6000 yens talaga ang bayad sa Telegraphic Transfers sa banks na tulad ng Mizuho at BTMUFJ

[mikan1227]

as of this moment nakapending pa rin ang transaction still hoping na maayos nila agad kasi nga holiday sa atin kahapon then bukas holiday naman dito sa Japan. Nakausap ko na yung branch manager ng PNB Tokyo and he assured me naman na gagawin nila yung best nila para maayos yung problema. Hay wish ko lang na sana maayos nga para naman makahinga na ako ng maayos dito. nakakahiya kasi sa kausap ko na may hawak ng cheque buti napakiusapan ko na wag na lang muna ipasok ang cheque bukas paniguro lang.

[mikan1227]

6000 yens talaga ang bayad sa Telegraphic Transfers sa banks na tulad ng Mizuho at BTMUFJ----------->confirmed yan 7000 yen nga po kung rapid remitt eh yung 6000 yen 3-4 days banking

[makulit]

----------->confirmed yan 7000 yen nga po kung rapid remitt eh yung 6000 yen 3-4 days banking

nu bank gamit mo? sobra naman silang mag-charge ...

i pay my suppliers via T/T (telegraphic transfer) 6000 yens, and kuha din nila within the day kasi they confirm na na-receive nila. complete details ang binibigay ko, at saan bangko dapat idaan. sa SMBC nga 4000 yens lang.

[mOtt_erU]

hi Mikan San...

Quite Frustrating naman yang nangyari sa`yo.....
Minsan, hindi talaga naiiwasan yang mga pagkakamali...pero sana pagkaReport mo pa lang sa kanila tungkol sa nangyari;eh sana the said bank did their share..kase ikaw naiReport mo na....
sana maTransfer na sa dapat na account yung perang niRemit mo..

....keep your fingers cross, maaayos din yan.Godbless you.:)

[mikan1227]

minnasa san konnichiwa! ok na ang problem ko with PNB Tokyo Branch naremitt na nila yung pera sa account ko yun nga lang talgang pinakaba nila ako. Nun Friday nagappear na yung pera sa account ko kaya nabunutan na ako ng tinik :) kakaiba talga ang experience ko sa PNB Tokyo pero ganun na lang talga yun charged to experience na lang ang mahalaga nakaabot at nde ako nasira sa taong kausap ko at sa bank ko.

as of now nagdadalawang isip na ako sa magpadala sa kanila kaya naman nagtry na ako na maghanap na lang ulit ng bagong remittance partner. nag ask na ako ng application form sa Metrobank and hoping na pag nagremitt ako sa kanila eh nde ko na ulit maexperience ang na experienced ko sa PNB Tokyo.

nakakadala talaga!!!buti na lang yung manager ng PNB eh nagbigay ng effort nya to solve the problem. pero kung nde ko siguro sila kinulit at tinarayan malamang matatagalan pa yun :rolleyes:

about dun sa dati kong bank nagreremitt ako sa 114 Bank mataas talga ang remittance fee nila kaya nga naghanap me ng mas mababa lam you naman po na nasa inaka me at bago pa lang sa Japan at medyo nanganganpa pa po sa lahat but ok lang kasi natututo ako at marami akong nalalaman about sa pamumuhay dito sa Japan.

maraming salamat po sa lahat ng nagbigay ng concern at advice mabuhay kayong lahat :D

[makulit]

great news mikan1227!

[ayumi]

Tanong ko lang sa mga PNB account holders
kung walang problema ang Pnb sa Philippines?
may checking account kase ako doon mga mahigit 10 years na,
mag encash sana ang tatay ko today,ang sabi closed account na daw ako?
may estudyante po ako na pinapadalhan ko rin ng cheke every month,
ka-e-encash lang nya Dec.2 less than 10,000. OK naman daw
pero marami daw'ng nagrereklamo noong pumunta sya?
kinakabahan tuloy ako...kapapadala ko lang noong tumaas ang yen Dec,5
para doon sa cheke ng tatay ko..natanggap ko na ang resibo from PNB
Tokyo...wala na kayang pondo yung PNB? sa dami ng nagpapdala?
kinakabahan tuloy ako baka magsara,makukuha ba yung pondo?

[makulit]

Tanong ko lang sa mga PNB account holders
kung walang problema ang Pnb sa Philippines?
may checking account kase ako doon mga mahigit 10 years na,
mag encash sana ang tatay ko today,ang sabi closed account na daw ako?
may estudyante po ako na pinapadalhan ko rin ng cheke every month,
ka-e-encash lang nya Dec.2 less than 10,000. OK naman daw
pero marami daw'ng nagrereklamo noong pumunta sya?
kinakabahan tuloy ako...kapapadala ko lang noong tumaas ang yen Dec,5
para doon sa cheke ng tatay ko..natanggap ko na ang resibo from PNB
Tokyo...wala na kayang pondo yung PNB? sa dami ng nagpapdala?
kinakabahan tuloy ako baka magsara,makukuha ba yung pondo?

Ngayon lang ako nakarinig ng ganito ... wala naman po akong alam na problema. At dalawang cheques ko rin ang cleared sa PNB kanina lang ... paano nga kaya yan? Mabuti pa po tawagan mo yung mismo branch mo bukas at sabihin ang buong detalye.

ang pagkakaalam ko po kasi nagmerge ang allied bank at pnb at in effect na po yan. sa internet banking ko nakikita ko na may nadagdag na column na new account number. siguro it has something to do with merger.

Magtatanong-tanong din ako bukas kung may problema ba ang PNB ...

[shintaro]

I just want to share with you my bad experience with Philippine National Bank (Tokyo Branch) about their remittance service.

Last October 23, 2006 (Monday) I used their remittance service for the first time. I received their Memorandum for Remittance October 26, 2006 (Thursday) I noticed that there was a mistake with the beneficiary account number I reported it to them the same day and the person whom I talked with admitted that the mistake is on their part. I told them to make the correction as soon as possible since the beneficiary account number is my checking account in the Philippines and I told them that it is urgent because I issued a cheque dated November 3, 2006. I waited for their call for confirmation if they fixed the problem but no sign of anything. I was the one who called them for many times asking and begging them to fix the problem.

I don't deserved to be treated like this I pay for their service. I am very disappointed about the service of PNB Tokyo Branch. I am just wondering how many OFW like me be treated like this with our own bank. For now I just prefer the service of other bank rather than PNB no wonder their service is cheap because they can not give you good service.

As I'm writing this letter Im still waiting for the PNB Tokyo Branch for their confirmation if they tranfer correctly my remittance. And take note the date today is November 1, 2006 it is obviously holiday in our country and by November 3 2006 its holiday here in Japan. You guessed it right I will have a bouncing cheque my other bank will penalized me and the person whom I issued the cheque will get mad at me. See, and whose fault? :(


Bakit ngayon ko lang ito nabasa...pumalpak na naman pala ang PNB (pagkatapos ng naging problema ko sa kanila few months back..ito yung thread) http://timog.com/forum/showthread.php?t=325 10

mabuti naman mikan san at naayos din agad ang remittance error nila dahil sa akin it took almost a month bago naayos...sangkatutak na stress ang napala ko sa kanila...kaya since ng nangyari yun hindi na(pa) ako na nakipagtransaction sa kanila.

hanggang ngayon pala hindi pa maayos ang sistema nila...may website ngang naturingan pero malamang ang trabaho nila sa Tokyo Branch eh manual pa rin...(share ko lang yung experience ko sa isang PNB provincial branch "adjacent to metro manila", RECORD BOOK(same as those use by security guards) pa rin ang ginagamit sa pagfifile ng mga transactions...):con fused:

[makulit]

Bakit ngayon ko lang ito nabasa...pumalpak na naman pala ang PNB (pagkatapos ng naging problema ko sa kanila few months back..ito yung thread) http://timog.com/forum/showthread.php?t=325 10

mabuti naman mikan san at naayos din agad ang remittance error nila dahil sa akin it took almost a month bago naayos...sangkatutak na stress ang napala ko sa kanila...kaya since ng nangyari yun hindi na(pa) ako na nakipagtransaction sa kanila.

hanggang ngayon pala hindi pa maayos ang sistema nila...may website ngang naturingan pero malamang ang trabaho nila sa Tokyo Branch eh manual pa rin...(share ko lang yung experience ko sa isang PNB provincial branch "adjacent to metro manila", RECORD BOOK(same as those use by security guards) pa rin ang ginagamit sa pagfifile ng mga transactions...):con fused:

shintaro, quoted mo pa si mikan. nung 2006 pa yung post nya :D

[summergirl]

so far walang problema sa akin ang PNB ..

[thermometer]

I have some few cases sa PNB Tokyo... Like account opening and other things..
but if you will trace .. kung ano talaga ang problema.. ay hinde Tokyo PNB
but sa local Branch natin sa Pilipinas..

Wala pa din pagbabago ang bangko sa pinas.. I know PNB Tokyo try to improve the system but since most of the time naka rely ito sa Pilipinas kaya wala po magawa..

Just like my case here in Japan..

Nag Open ako ng Dollar account here sa PNB Tokyo and Na iforward naman lahat ng information sa PNB Pilipinas @ My local Branch..

Since andto ako sa Japan Hinde ko maupdate yong Account ko sa Pilipinas and since .. all I know na OFW side ako which means..wala ako maintaining Balance sa account ko..kaya kahit 10 Dollar na lang ang laman hinde ito mababawasan..

Ng nagkaron ng time ..nag update ako sa Pilipinas nagulat nalang ako na yong 300 Dollar ko naubos kaka charge nila ng "Low Maintaining Balance"

We check everything.. wala naman problema..Naka Taf as OFW Account yong Iniopen ko but problem is yong nasa Pilipinas ay nalimutan i Tag sya ay OFW account kaya ang nangyari nababawasan ang account ko for low maintaining balance..

With Good Follow up sa PNB Tokyo... salamat naman sa diyos at after 6 Months naibalik yong kinuha ng PNB sa akin..

Naiimagine ko lang na yung mga tao na hinde napaglalaban ang tama sa mali..napakalaki ang mawawala sa knila..lalo na yong igigive up na lang ang account dahil hinde satisfied sa service... tsskk...

[rubyuki]

the same nangyari sa akin

nag deposit ako ng 500 U.S dollars sa PNB

since nasa abroad ako at hindi rin na a update ang interes or balance

pag uwi ko , pag update ko wala ng naiwan sa account ko as in kinaltas nila every month

kasi wala na sa minimum remaining balance.

imbes tumubo nawala lang

sobra silang kumaltas

kesyo hindi nahuhulugan

panay ang kaltas nila

ni hindi man lang sila tumawag or magpadala ng sulat

na nabago na ang rate ng minimum balance nila

sana time deposit na lang sana ang ginawa ko.......

kaya ayaw ko na talaga sa service nila........

[shintaro]

shintaro, quoted mo pa si mikan. nung 2006 pa yung post nya :D

hahahaha:biglaugh::b iglaugh::biglaugh:.. .hindi ko napuna yung year...akala ko this year lang...hahahaha:bigl augh::biglaugh:

anyway...sana magbago na ang sistema ng PNB ...sana wala na rin silang maging palpak na remittance transaction... paalala lang mo sa mga kaTF natin... wag nyo pong tatantanan ang banks kapag may nagawang kapalpakan...usually kasi they will take you for granted kapag alam nilang kaya nilang magpalusot sa inyo. kapag nagkaroon ng problema, paglaban ang inyong karapatan.;)

[ayumi]

Ngayon lang ako nakarinig ng ganito ... wala naman po akong alam na problema. At dalawang cheques ko rin ang cleared sa PNB kanina lang ... paano nga kaya yan? Mabuti pa po tawagan mo yung mismo branch mo bukas at sabihin ang buong detalye.

ang pagkakaalam ko po kasi nagmerge ang allied bank at pnb at in effect na po yan. sa internet banking ko nakikita ko na may nadagdag na column na new account number. siguro it has something to do with merger.

Magtatanong-tanong din ako bukas kung may problema ba ang PNB ...

Called PNB tokyo today,confirmed na hindi naman close ang account ko.
Wala talagang problema sa PNB,Japan.
I also called Pnb,Philippine branch...OK naman,malinaw ang explanation
nung nakausap ko. Ang problema sa ibang branch ng PNB,alam naman
siguro nila na may pagbabago sa system nila...double-check na lang sana,
buti na lang tatay ko ang pinadalhan ko ng cheque,papano na lang kaya kung
para sa ibang tao yun na pambayad ng utang ko? siguro namura na ako?
pero...OK na ....may konting problema sila sa system....
sana ayusin nila...marami pa naman akong ini-issue na cheque na pambayad
ng kung anu-anong utang....wag lang sana mangyari ulit...