My Rants and Shiits..!!!

Thursday, September 25, 2025

Second Scam Experience

On September 14, 2025 nag filed ako ng unauthorized transaction sa credit card ko sa Metrobank hotline. I've been scammed by this SEMRUSH and I search it on google and may lumabas na result na it's an AI-powered company like. The transaction happened on September 10.

On September 9 na open ko pa yung Metrobank app ko then nung September 10 nag lo-loading lang yung app so hinayaan ko kase madalas naman nangyayari yun.

On September 13, I opened my Metrobank app again and viola okay na siya pero yung naka display lang sa dashboard ko is yung passbook and debit card ko lang. Wala yung sa credit card and again hinayaan ko lang kase mostly nga ganyan yung app so di ko pa napansin yung scam na nangyari.

Nung September 14, I need to open my Metrobank app kase need kong mag bank transfer and I thought namamalikmata lang ako kase bagong gising pa ko nun so I keep opening and closing my eyes to make sure na tama yung nakikita ko and yes yung 59k na available credit limit ko naging negative 27k na lang siya.

Di ko alam gagawin ko that time. Mukha na kong tanga kase I keep refreshing my dashboard to make sure na yun na talaga yun 😂 nung sumuko na ako kaka-refresh bigla naman pumasok sa isip ko yung mga unauthorized transactions na nababasa ko online na di na daw nababalik or aabutin pa ata ng isang taon bago matapos ang dispute ganun.

Naisip ko langya saan ako hahanap ng 58k pangbayad sa isang bagay na di naman ako yung gumamit. Matapos kong i-organized yung self ko tumawag na ako sa Metrobank bank hotline at nag ka problema pa nga. Yung telephone di gumagana 😭 ewan ko, siguro dahil di namin ginagamit kaya di siya gumagana na. Toot-toot-toot lang siya ng toot-toot-toot. Buti na lang noong nag message ako sa PLDT kinabukasan dumating agad sila at inayos yung linya ng telephone namin.

So balik sa main problem ko. Tumawag ako and nereport yung unauthorized transaction. Ang sabi need nilang i-block yung card to avoid more unauthorized transactions so gora block it. During the call they ask me about common questions about my credit card na syempre sinagot ko. Inexplain na nila yung tungkol sa dispute and kinakabahan parin ako kasi paano kong sa investigation nila ako talaga ang may kasalanan kahit di ko naman alam kong ano yang pesteng SEMRUSH na yan.

They told me na the investigation will be 40 to 130 days daw and follow up for 50 days. Juskopo ang tagal ng hihintayin ko. Buti na lang weeks lang pala yung hihintayin ko.

After my complaint everyday sila nag bibigay ng updates sa dispute ko and nung September 19, ang na receive ko na email is "Our investigation has shown that there was a duplicate credit for your disputed transaction posted on your account due to the permanent refund processed by the merchant and the temporary credit adjustment we previously issued. Hence, we have reversed the temporary credit adjustment for your disputed transaction. Your dispute request is considered resolved and closed." this.

Yung sa hulihang sentence lang ata yung nag sink in sa utak ko.

Resolved and Closed.

So yun na yun? Tapos na? Sure ba talaga?

I mean syempre dapat thankful ako kase resolved and closed na daw refunded pa pero syempre pumasok ulit sa isip ko yung mga ganitong issues na mostly di naman na reresolve agad.

To make sure the claim tumawag ako sa Metrobank hotline ulit and ang sabi nila to make sure on their part din daw follow up for 3 days daw. Bago pa patayin yung tawag nagtanong muna ako sa cust service rep if paano ko ma mi-make sure na refunded na talaga yung pera or lahat ba talaga ni refund or baka di lahat. To see is to believe ika nga nila. So sabi nung cust rep ii-email na lang daw nila yung unofficial bill ko for next month.

Dumating na lang yung new credit card ko di ko pa rin natatanggap yung email na pangako nung cust rep 😤😭 kaya 6 days akong hibang kakaisip kong magkano yung ni refund or sana man lang ni refund talaga lahat. Plssss 🙏. At dahil hanggang ngayon, September 25, di pa rin dumadating yung email, sa history transaction nung new credit card ko na lang chineck and thank you Allah refunded lahat 😭🙏 I mean not totally lahat kase yung unauthorized transaction is as follows: 18,560.65/6,422.51/33,179.14 tapos yung nabalik lang is 18,317.10/6,338.24/32,743.78.

Kulang ng 763.18. Saan napunta? Siguro payment fee nung scam 😂

Pero thankful talaga ako kase nabalik yung pera. Makakatulog na ako ng maayos. Thankful din ako kase mabilis inasikaso nung Metrobank credit card yung problema ko. Siguro nadalian lang sila kase one way trace lang yung scam?

Like di kase ako mahilig mag open ng links. Kahit link pa yan na bigay ng Metrobank di ko talaga ino-open. Mahirap na baka phishing messages pa yun. Kahit sabihin pang nanalo ako ng 1 million di ko talaga pipindutin yun. Mostly likely pupunta ako mismo sa Metrobank to claim the prize 😂 At di din ako mahilig mag scroll sa ibat-ibang websites lalo na yung madaming ads na bigla na lang lalabas sa screen mo. Of course yung OTP and personal information di na din. Natuto na ako dun sa Eastwest scam na nangyari sakin.

So yun! Kaya siguro mabilis lang natapos yung akin kase siguro nakita ng investigation team na wala as in wala talagang tsanya na ako yung may kasalanan. So dito na nagtatapos ang aking second scam experience and I hope, no, I wish last na talaga to. Ayoko nang mangyari ulit pleassseee 🙏🙏🙏

Thursday, June 13, 2024

IU HEREH Concert in Manila singing "MY SEA" for encore

   So today, June 12, 2024, I experience my first ever scam. It's about my credit card. Di ko na e-spicify anong card. So, let's start. As I was sleeping biglang may unknown number na tumawag. Siguro sa marami di na yun sasagutin but as for me di pwede kase yung family ko andaming unregistered numbers na ginagamit so kailangan sagutin kase baka emergency.
   Nung nasagot ko na the caller pala is from ** bank credit card. Habang nasagot ko yung tawag parang lutang pa ata ako kasi nga bagong gising haha. As I was answering they tell me na I can't use my old credit card na daw kase nga may new implementation sila ng new card. Like yung new card nila is not visible na yung expiration date ang yung cvc.
   So, I was like "Really? Oh nice" yan lang yung nasabi ko hahaha. So, they say na this call is recorded and chuchu and they proceed to ask me questions. I didn't find it suspicious pa, kase yung questions kase nila is naririnig ko naman sa mga taong nag o-offer ng mga cards.
   They ask me if kailan ko nakuha yung card and I said the exact month and year. So, they said OKAY. Again, balik dun sa new card daw if how many years daw yung gusto kong expiration niya. I don't know pero tumatak sa utak ko yang question na yan. Because it's a card na not visible yung expiration date and cvc they'll just email me my new exp date and cvc.
   Napaisip talaga ako ng wow may pa ganyan na si ** bank haha. So, they proceed about the exp date and sa totoo lang di ko alam na for 5 years lang pala yung credit cards as she said so I was like 10 years, and she laughed 😑 malay ko diba. Tumatanggap lang naman ako ng card and yeah that's my bad kase di ko inaalam yung mga ano ng credit cards. As of now di ko parin alam if pang 5 years lang ba talaga.
   So, I said okay 5 years na lang and she was like okay ma'am and proceed to tell me na this is my new credit card expiration date and cvc and it's exactly MY credit card's exp date and cvc but again I didn't find it suspicious kase they didn't ask me naman about my CVC and OTP.
   They also ask me if what my card is. Is it VISA ba daw or MASTERCARD and I said no its JCB and they were like okay ma'am. So, I ask them, na if they're changing my card can I also change it to MASTERCARD kase yung JCB sometimes di ko magamit sa ibang online transaction ko. So sabi naman nila okay no problem.
   After asking me everything she said na she'll transfer me daw to her supervisor head ba yun basta I forgot. So, as I was talking to this supervisor inulit ulit niya yung mga informations ko like his reading it talaga in their system. Like my email address, home address and phone number.
   Take note napansin ko din yung paulit-ulit nila na pagsampit ng apelyido ko. Mali lagi and so I always corrected them. But again, pinagwalang bahala ko lang siya. As our talk progress he'll pass daw the reference number to my email at nung nakita ko na kong anong laman ng email parang lumukso yung kaluluwa ko at nagising ako ng tuluyan.

Eto yung laman ng email "Huwag ma-SCAM! NEVER SHARE YOUR OTP. Mag ingat sa humihingi nito para sa upgrades, incentives, or vouchers. To finish your registration to ESTA, your OTP is 895***. Call +63288881700 for concerns. Reference No : AG-704****"

   As I was reading that email, he said na he needs the OTP to proceed daw and yeah pinatay ko yung tawag agad-agad hahaha. As I was contemplating about the email, tumawag siya ulit and nag dadalawang isip akong sagutin ulit pero napaisip din ako what if bank talaga to so akong si tanga sinagot ulit ang tawag.
   He said na it disconnected, and I said sorry kase napindot ko accidentally yung end button which is sinadya ko talaga haha. Sabi niya pa it's okay lang daw and proceed again. Sinabi ko talaga sa kanya na di ko pwedeng ibigay yung OTP and he explain clearly na it's okay lang daw kase di din naman daw ako yung nag generate niyang OTP.
   Isa pa it's okay lang din daw na ibigay ko kase nga alam naman na nila yung OTP kase nga sila naman nag generate niyan. Kailangan lang daw talaga nila marinig ON THE LINE kase nga THE CALL IS RECORDED.
   Napaisip ulit ako na oo nga no wala naman akong inopen na kahit ano dito sa phone ko and yun yung pagkakamali ko kase I already find it suspicious na pero I still proceed pa rin talaga.
   Nung binigay ko na yung OTP ko he said thank you and I'll receive my new credit card daw with an increase limit pa. Wow hahahaha. So, mag hintay lang daw ako at e-email lang daw nila if kailan dadating yung new card. I said my thanks then end the call.
   Pagkatapos na pagkatapos ng tawag I dialed the bank's credit card customer service domestic hotline in our telephone. Di ko kase masikmura yung katangahan ko kaya I want to make sure na sila talaga yung tumawag.
   Nung nasagot na yung tawag ko I told the cust service rep that I need to report something. Na may tumawag sa aking representative from their bank and offering something and I want to know if they're legit or nah.
   I told everything to the customer service what did that scammer told me. Like did you implement ba a new card na di na visible yung exp date and cvc etc. I said na they ask for an OTP pero sila lang din nag generate and they said na it's okay to give it to them, so sabi ni cust service na if I did give my OTP, they need to block my card talaga kase nga as of their policy they are not generating OTP daw and asking for it afterwards.
   So, I ask again if wala ba talaga silang ganung implementation ng new card so the cust service told me na wala silang ganung new services or nag implement ng new offers.
   The customer service asks me too if kailan daw yung huling transaction ko and I said July 11 at 2:05 p.m and she said it's correct and wala pa namang new transactions na nagaganap. So, I ask her to block my CC na, kase baka magamit pa. Papalitan lang daw nila ng bago.
   I even ask na if papalitan naman nila yung card ko pwede bang mag request ng increase limit. I'm just asking di ko talaga balak ipa increase yung limit ko kase dun sa scam ang dali nilang makasabi na expect the increase limit of 100,000 to 200,000. Oh, diba scam na scam pero naniwala si tanga.
   Sabi ni cust rep pag naka 9 months na daw si credit card tumawag lang daw ako ulit to increase my limit kase nga BAGO pa si card so di pa PWEDE. So, I ask her what I will gonna do with my old card. Can I just keep it or what. She said na as possible I should dispose my old card na daw. Di yung itatapon lang kailangang gupitin talaga para masira yung parang chip ba. Nakalimutan ko ano tawag dun. Kahit they already blocked it kase, for safety na lang daw din. Yan yung nakalimutan kong itanong sa scammer kanina. Ano kayang sasabihin nila if tinanong ko yan.