I email OCBC months ago to arrange payment going to default due to reduce income. but they ignore. No reply. then when I was really unable to pay. They call my office every day to ask for payment. They really hound me, threaten lawsuit. I still try to make payment, But I need to eat to earn to pay them, They simply dont care. They just hound me daily calling my office. What if I lost my job. STUPID ASS HOLE.

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I called OCBC to report a lost supplementary card at 7:30pm on 9th Feb 2016. To my horror, I was informed 2 transactions has taken place for $3,550 and $77,517.96 between 2pm and 3:30pm. I was further informed that nothing can be done as OCBC needs to wait for the merchant to post the transaction 7 days later. I asked why did they not call me for validation and was told it is not a normal practice. This is very different from other bank credit cards.

I felt uneasy and called again today, 10th Feb, spoke to another representative and request that OCBC should contact the merchant and inform them to stop any payments going out since it is early days. The response was, only the rep I spoke to last evening can help and there is nothing they can do. I asked what if she is on leave and was informed, then she will check when she is back and I just have to wait because nothing can be done. I asked the rep why did OCBC not call me when such a big amount was charged and my transaction records have always been low for the last 11 years and was told, it should have been a call. When I requested to speak to the manager, I was put on hold for 10 minutes again (not the first time) and the rep returned and repeated what he said 15 minutes ago - 'We cannot do anything for you now. Just wait for our call"

In the current environment of fraud and stringent anti-money laundering laws, I do question if OCBC's is up to speed in putting in place adequate protocols to prevent frauds and unlawful activities causing harm to its customers. I was even told worse case, I have to pay for it, which is absurd.

Looks like I am goin to be the next victim to be punished with a late payment fee for paying my $30+ bill by AXS on due date thru AXS. Received my statement of $30+ accompanied by a $80 late payment and several $? Interest. Called in and was verified tat I hav made payment on time but unfortunately payment through AXS will complete its transaction the next day so OCBC will consider it as a late payment. After explaining, i was told to wait for waiver request sms and was rejected with a not so welcoming phrase: "...we are sorry this is not what you are hoping for, but we stand by our decision." Called in again to clarify and was direct to another dept and went thru the whole identity verification process again and to my annoyance, with immediate rephrasing verbally: "...Sorry we stand by our decision!" ... I was like wat? ... I was then told it was clearly stated in the statement tat payment thru AXS wil takes another day blah blah ... I just find it very strange for OCBC spending money & resources to put up road shows and popup stalls to promote their credit card and yet allows such incident to piss off their paying customer ... well they are not going to loose just 1 customer because my whole family and extended families will not be using OCBC. P.S. The irony was i hav received an sms during Dec, informing I hav been waived 2 yrs annual fees eventhough i hav not requested for it . When shared with my colleagues, I was shocked that most of them had gone thru tis ill feeling process and victimised by tis late payment fee. Too bad Wifey and I hav been a frequent user of tis card at Robinson ... so its Adios to OCBC & Robbie to me....

Dear OCBC,

I refer to my ex-OCBC Robinsons Card 4524-1907-0619-5938. As you may retrieve from your internal records, this is a replacement card for an older card (which I do not have records of the old card number anymore).

A little recap of the history – in late October 2016 my old Robinsons Card security was compromised. I noticed it over 2 days and called OCBC customer service immediately as soon as I received notification of an unauthorized major transaction. To my horror, the card was indeed compromised over two/three days with a string of unauthorized transactions. The card was cancelled immediately during the call and a new card was issued thereafter. The date of cancellation coincide with the payment due date. My usual practice is to authorize telegraphic transfer of payment two or three (if due date falls on a non-working day) days before due date. As a result of the card cancellation, payment could not get through. Very honestly, I wasn’t aware of the failed payment. Neither was there any reminder from OCBC Customer Service Officers whom I speak to regarding the late payment. I was liaising frequently over the two weeks regarding the dispute unauthorized transactions but none of them actually reminded me of the late payment.

The next time I became aware of it was a month later when I received an alert from OCBC. I requested for a waiver for reversal but was rejected. This is very disappointing for a few reasons:
1) This episode of late payment arose as a result of my credit card being compromised. This has been the second time this has happened to my OCBC credit card – the first being in 2013 when I was stationed overseas and had not used my card for a long period. 3 years later, the same had happened to an even greater extent over two/three days without any alert. I hold credit cards across a few banks and I have never faced any similar problem with other banks, I don’t use Robinsons Card frequently for overseas/online transactions so why is my OCBC Robinsons Card so susceptible to fraud than my other cards?? Is there anything more than this like lapses in the internal controls and risk management? As a customer, I am very aware and concern since this happened more often than other banks I am dealing with.

2) I have been a loyal customer of OCBC Robinsons Card for the past 6 years. I believe I had been meeting minimum spending every year to have been granted annual fee waiver year after year without making a request. For this, I am grateful to OCBC for the loyalty recognition. For that, when I genuinely make a late payment, I voluntarily paid for the late charges and relevant interest without making request. For your info, I do the same to my other credit cards. The loyalty with OCBC continues even though I failed to receive physical statement for a few times over the years and again it always happened to OCBC only. To some extent, I wonder if it is related to the internal control lapses mentioned earlier though different in nature.

3) The reason for rejecting my waiver was that I was granted a waiver in August 2016 (if my memory serves me well, it should be due to the change into e-statement and it either slipped my mind or happened without my knowledge) and as a result this time was rejected. I am very upset with such a reason. Why this even happened was because of a security breach of the bank. The policy was so rigid that the bank failed to overlook the other factors surrounding this matter.

My last conversation with your Customer Officer was quite a heated one. I felt sorry to the Officer as I understand it wasn’t her decision. So I decided to bring this up separately. I have since then cancelled my OCBC Robinsons account which I have held for six years. I have recently opened a new joint account with my domestic helper and for the first reason quoted above, I may consider switching bank since I have no allegiance with OCBC following the issue with credit card.

Would be grateful if you can let me have a conclusion of this matter as soon as possible. The card may have been cancelled but I do not wish to have any further dispute over the outstanding. An amiable closure will be grateful.
Thank you.

I had a very bad experience with OCBC credit card.

2 years+ ago, I was conned by a sales person who approached me at one of the NTUC entrance. End up I signed up OCBC 365 card as well as cheque book and current account which I didn't request for.

Upon received the card and cheque book. I felt cheated and decided to cancel my credit card as well as my current account. However, this does not end my nightmare until recently Nov 2016. I received an annual fees charges to my 365 OCBC card which was terminated 2 years ago. I dont care it and early Dec, I received a late charges to my annual fees. This is so ridiculous and I made immediate action to go down to OCBC at Waterway Point Branch. I approach the counter and tell them I'm not going to pay for any annual fees and late charges. The officer gave me a form to fill up and tell me everything is settled.

To my surprise, I received another late charges letter on early Jan 2017 again. This is so frustrated that cause me to go down to the branch again. I was shocked that I was told by the officer that no record found of my termination status which I visited on early Dec.

This time I'm smart enough to tell them terminate my card for the 3rd times again and demand a copy for my record. It was dated 6th Jan 2017. On 12th January 2017 I received an unpleasant letter from OCBC "We regret that we must close your account because you did not make payment for 2 months" What the hell is that? I was blamed for OCBC internal mistake???

This horror story has yet to be ended. Today I open up my mailbox and I saw another OCBC letter dated 20th Jan 2017 to demand for the settlement of the fees... this is never ending...

*Aside to above, I have not received my kids baby bonus account statement for the past few years. I informed them to resend and yet, after 2 months passed and I still waiting for it.

Please tell me where can I approach to end my this nightmare? If I can give rate to OCBC service, I will give negative points!

I had always been a OCBC support for the pass before nov 2016.

But recently I am very pissed out with Ocbc.
I miss my bill by a few day late charge on 5 card accounts. And OCBC told m can't waive my late card. Do you know how much money?

I make a choice to cancel some of my cards, so that i wouldn't want that to happen again.

2nd month some how become e-statement , didn't received letter. Call and they told me to check internet banking. Late charge again. Requested and they not waving

This month ocbc call using " private number " and stated that my 360 card still got outstanding , since nov over due. ( what the hell ).
I had cancel 360 on november, no paper bill given, internet banking can't see. Call and they said need go find the e-statement. I using I pad cant see and they told me need use desktop version.

I am going back to see and paid the principle tonight. And if can't waive the late charge for this again. I am going to CASE and newsapaper!

Daniel
91190972

To Whom It May Concerned

I am disappointed at the services provided by your bank. Last Dec, I called to request for waiver of overdue charge due to the fact that I just came back from overseas and due to the fact abnormal practice that your bank issued 2 statements instead of 1 statement like other banks. The 2 statements came in different timing which made customers thought that they have paid all the outstanding bill after the 1st bill being paid. The excuse of the card is issued by the mall itself is inexcusable. I ended up being ‘victimised’ to pay the late charges fees by your bank’s failure to improve the system to combine 2 cards’ billing statement into one statement.

Nevertheless, in order not to be victimised again for future usage, I decided to terminate the OCBC card. With the loss of confidence, I am also going to terminate my account with OCBC. I guess losing customers is not as great cost to your bank instead of cost of combining statements.

I had a similar bad experience with OCBC regarding the late payment fee and interest charge. I paid on due date and Statement reflected that i paid on due date too. To the ocbc system, it was late as i paid via e-axs. On contrary, statement shows the exact date when i paid via e-axs, which is the due date. Technically i was not wrong, but i was being penalised for "late payment ". Called up the bank and they gave me plentiful of " i see where you coming from, i understand " .. " i will write a special note to the manager to waive this off" - empty promises! Received an sms for the 3rd time to tell me that it was disapproved! 😠 no wonder that the queue to talk to the agent was so gorgeous long, at least 30 mins of wait!

OCBC Bank services are very bad recently.
Was billed for late charges when payment was made on due date. Reason from them was they can viewed from their that I made the payment and they have yet to received amount as it takes 2 days to reach them.
Send in request for waiver, they called back 3 weeks later and insist and demanded for payment.
Fine, upon payment they send another bill for another late charge because I did not put within their stipulated time.
They are supposed to get back to us with 3-5 days but it took them 3 weeks, reason that they have a sharp increase in the number of emails received.
NO more OCBC from today onwards.

I ALSO made the payment on time, as per the due date mentioned in statement. I had late charge, when I call and ask the customer service, they told if pay through UOB we have to pay 3 days in advance. Like that I paid monthly spending for few months. When trying to call the customer service it takes more than 1 hour to get the line. The customer service also very rude (Andy Kwah).

Who is having that much time to wait for customer service, final answer also have to pay in advance if we are paying through UOB.

I am holding many cards, but I am having very bad experience and cancelled my card. There are lot of banks are there to provide more better and good service than this.

You should take note that OCBC is not the only bank in Singapore. I will NEVER use OCBC in the future.

In October, I received the credit card statement and on it stated due date 24th October 2016. However on 23rd October, I had made the payment via my bank. Yet, I was charge a late fee. I called in to request for a waiver as it was stated on my statement that this has been processed on 23rd. I called in several times, each time I waited more than 45 mins through the hotline and I gave up, eventually I used the phone option to request for fee waiver. I waited for days and I got a rejection SMS. FINE. I tried to waive again and this time NO SMS was sent to me at all. How long do you need me to wait?

I had waited and waited and I almost miss my payment for my November statement. So I called in on Thursday and spoke to the phone operator called Devan. He told me that on that day I will receive another SMS on the outcome. NO SMS was received yesterday and I had to rush to the OCBC outlet after work. Empty promise. To be frank, Devan was not very friendly. Who ends the call with a bye and not thank you for calling…. It was such a hassle and it is very disappointing that OCBC has such client servicing standards. This is my first time using OCBC, applying for Frank and 365 together and I even had the intention of switching my salary account to you.

I had made payment across like this before and had never encountered any problem. Hence I would never have thought that by processing a payment on the 23rd, the bank will receive it on 25th. And this is unfair because on my statement it was shown 23rd as the transaction date and to me I thought that hits was the some bank error.

It was an error on my part but I had made efforts to try and contact to ask what is happening. Yet all I got was to WAIT and WAIT and WAIT. I asked for waiver 4 times. It is not as if I default payment for MANY DAYS or MONTHS. You have to understand where I am coming from, without the intention of defaulting payment. I had been genuine with you yet you treat customer like trash.

OCBC, you are such a disappointment to begin with.

I also encountered the same issue, make payment on the due date through AXS, and OCBC charge me for late payment + interest! and was struggled to call their customer service hotline, it took more than 30 minutes to pick up my call and the late payment waiver is rejected.
Who will read the fine prints to know that AXS takes 2 days to clear the bill!?
OCBC bank is ridiculous. I have terminated all their cards and not going to use any of their cards anymore.

I made the payment on time, as per the due date mentioned in statement. I had late charge, when I call and ask the customer service, they told if pay through AXS we have to pay 2 days in advance. Like that I paid monthly $80 for few months. When trying to call the customer service it takes more than 1 hour to get the line. The customer service also very rude.

Who is having that much time to wait for customer service, final answer also have to pay in advance if we are paying through AXS.

I am holding many cards, but I am having very bad experience and cancelled my card. There are lot of banks are there to provide more better and good service than this.

You should take note that OCBC is not the only bank in Singapore. I will NEVER use OCBC in the future.

It's a mistake to bank with a bank that does not respond to its customers. Hence, i should not have bank or invest with OCBC, they never respond. If they are sluggish with responding to customers, how can you expect them to be nimble to respond to markets? Good luck if you can get through to the customer service!

The bank is also a rip off.. they charge me $80 late service charge and I was late for only 2 days for a bill that is only $200!? And I have banked with them for 20 years!? Gosh, they are really rubbish.

I feel that i was cheated by ocbc. i have a foreign currency one year deposit in ocbc bank, when i chose ocbc as the staff told me there is no commission charge upon maturity as long as inform bank 2 days in advance. so i went to the bank in advance to inform them and again to check whether got commission charged, get the answer is no any charges. the day i went to collect cheque, they charge commission. after some argument , they agree waive half of the commission but i told them i could not accept as this is not what your staff promised, the lady said she could not make decision so need to check with the boss and will call back, but till now i did not get any reply nor explanation. what happen with this bank, may be the business is too good, i guess!

i also heard a lot bad experience with ocbc from my friends. too bad!

Wow wow..i have waited for 1 hour and finally the phone seems to be transferred..then came the technical fault and they hanged me up!! Super pissed..they have rejeceted my waiver for annual fee and im calling up to cancel the card..

Ocbc, i cant get through to your customer officer so please treat this as a form to cancel my card...my credit card last 4 digit is xxx1776.

Disappointed with OCBC in many occasions and is time I have to cancel my cards. Totally uncompassionate. All my banks credit cards are on giro beside Ocbc that I started to use recently. Overlooks for the payment as I was away from home with my newborn for my confinement. I charged around $200 to my card for one transaction and I've to pay $80 for late fee and some interest charges. And I was only late for a few days! They refused to waive it. Guess they might really need such kind of revenue.

So many other instances of their bad service, not necessary their staff but more of their systems and process. Too many times to get my address updated, still have my name wrong on my statement, refuse to revised housing loan rates despite the letter of increase in interest rate was sent to the old address.
Unfortunately change of bank loan is not as simple!

If I were to choose again, Ocbc is the last place I will ever go.

Initiated international wire transfer to the USA 25/07/2016. Receiving end showed no credit 5 business days later. Inquiry calls were made to OCBC bank every day but no one knows what is going on with the transfer or seem willing to help locate the funds although the funds left the account on 25/07/2016. Extremely unresponsive by email and customer service refuse to escalate situation to management and the funds are still no where to be seen today (10082016). Extremely horrific experience.

Initiated international wire transfer to the USA 25/07/2016. Receiving end showed no credit 5 business days later. Inquiry calls were made to OCBC bank every day but no one knows what is going on with the transfer or seem willing to help locate the funds although the funds left the account on 25/07/2016. Extremely unresponsive by email and customer service refuse to escalate situation to management and the funds are still no where to be seen today (05082016). Extremely horrific experience.

Dear ocbc management...

I came across your service towards customer was rude..it happen this afternoon..while i was not well and had operation..your billing dept call me up by the name MR C..he was so rude towards me..yes my payments is late but still i make effort to go and make payments while im not well..he ask me why i never make payments on 21st ..told him i have major operation again he just keep ignore and keep asking...i dont own him the money ..but we has custody have the right to treat nicely..pls ask him to go customer service course.

Dear ocbc...
Understand what is all about when comes to payments..i hope your customer service officer who are service the job can understand people situation...i have some payments that need to settle at your ..end with my situation of being working alone need to settle a lot of things..but your officer trying to make a big fast and says i lie..Yes im late with 1month payments if my calculations is right.but i will never late for couple of month..even i keep aplogies to your officer who trying to be raise his voice...wish i can pay everything if i have enough cash...but how late i am i still paid the amount ...i dont loan from ah long..but your officer like ah long..with the tone of voice...keep saying he do not know what management going to do with me..is this a something make me and my family feel afraid..how come you treat your customer this way...

On 27th feb i transfer amount of $600 at ocbc atm machine and i make mistake i sent to wrong account. Immediately i when to harbourfront branch and make report. I give them the account i transfer and it show $600 transaction. I ask them to suspend they tell me sop. Get me fill form and go bck wait for call. I also sent email to ocbc in their website. Week pass no call no email. I call hotline and the staff tell me got to check with the branch i report to. So i call the branch. The minute i mention my name the lady who answering know about my case and she was telling a guy beside. Call pass to the guy. I din manage to get his name. What happen next was a big susprise. He told me they sent letter to inform the person who hold this account as they try call but he did not pick up. So i ask the staff if this the case are you telling me my money is gone case. He told me yes and follow by he not sure if i might know the person and because of conflict and i saying it wrong account. Wow!!! Ocbc staff instead of telling customer we try our best and comfort the customer they are making it worst and provoke me for what i see. I was so angry i sent another email. Again no reply. Fine. I sent message to their facebook page instead of posting on their page as i giving them chance. They reply me by asking for my email address so they can check through. Day and day pass again no reply or call. So what is ocbc bank doing? Too free sit on the desk so they need to work ot on sunday? Simple replying no one bother to take any action. Do i need to go to their ceo?

19/11/15 - apply corporate banking account.

25/11/15 - received SMS that account has been approved.

4/12/15 - called OCBC on the status of cheque book, debit card and token. OCBC personnel arranged someone to call and confirmed my mailing address is correct and I just have to wait for the letter to reach me.

10/12/15 - called OCBC on the same inquiries and bank personnel highlighted that my mailing address is wrongly submitted.

This issues has been raised further to bank personnel that the authorised person and I are not signing any update mailing form besides electronic as this is bank responsibilities to rectify this matter. I strongly believed this case has not been escalate to the management. On the phone with bank personnel, he mentioned that the delay is with the customer if the customer did not update mailing address. Is this a fair treatment to the customer, while bank personnel made mistake at their end?
He also mentioned that OCBC personnel unable to view customer data, therefore it is not their mistake. My question is, if bank personnel unable to view customer data, why would they called to confirm my mailing address and mentioned I just have to wait for the letters.

Issues that I highlighted to bank personnel - does all those letters registered mail? why isn't anyone call me (i'm the contact person) when the letters were returned to bank?

12/12/15, 17/12/15 and 1/1/16 - SMS received from OCBC to activate the cards. If we did not receive any cards, how do we activate?

22/12/15 - handed update mailing address to bank personally.

30/12/15 - Cheque and debit card department called at different timing. 2nd set of debit card, token and cheque book being reprinted and to be sent to us.

31/12/15 - we are being charged service charges for not using the bank facilities since opening of bank account and receiving such bad service from the bank.

5/1/16 - Another bank personnel called and highlight that we have to accept the new set because the first set has been disposed off. This is not what the other bank personnel mentioned in December. As, before we sign the mailing address form, he said that we can get the letters at the HQ and not mentioning that the letters has been disposed off. Also, bank personnel confirmed that calls made by OCBC is not recorded and now they are switching words that letters has been disposed off.

Bank did not ensure that customer information being safeguard and that now, they mentioned that letters has been disposed off. Since the letters has been disposed off, why would they issue new serial number for my chequebook? Does that mean that they are not confirm on their internal control procedures of disposing returned letters?

It seems like too many people handing this issues with no clear direction and I need the management to give me a reasonable answers on this as the bank personnel that dealt with me always give empty promises. However, no one responsible enough to escalate this matter as they are protecting each department.

7/1/16 - called OCBC and officially lodge complaint and nothing done so far.

Hereby, I seek your kind advice on dealing with my matters. I need my token, chequebook and debit card as I have been waiting since November 2015 and now mid January 2016.

Thank you.

OCBC Bank in Singapore has bad practice of taking money from customer. First they will send Credit which is not applied by customer. The law is not clear enough whether Bank can send Credit Card to the Customer without applying the card. After that they will ask for annual fee it does not matter whether this credit card is activated for not.