Writing this regarding my issue that is taking a whole year and counting, Last year April 18 2020 I saw fraudulent transactions on my credit card dated March 19 2020, this are all from shoppee amounting to 64, 000, I was shocked because no one contacted me about this and I haven't given a single permission to anyone, I contacted BDO immediately and filed a report and they have advised me to file a dispute which I did on the very same day (April 18 2020) I received a follow up mail on May 8 regarding my dispute and informed me that it will take 120 banking days for a resolution, I do understand that major regions and cities are at lockdown at that time but I was quite surprise when we visited our local bank on June the report that I filed on april are not processed and so I filed for yet another dispute form which they said will take another 60 days and notified me that I will receive an email once investigations are done, 60 days and I still haven't received anything so I visited the bank twice on months of Sep-Dec but said that no one on the credits/investigators department followed up the matter, it was frustrating because they told me that it was ok for me not to pay for transactions and so I did, I only payed for what is mine, but as months go by with no response and nothings resolved, finance charges and interest are stacking up until it blew up to 90, 000 within that months, and so I checked up on our local banks yet again yesterday (July 22 2021) only to my disappointment that they found out that investigations states that all transactions are valid due to OTP, I don't know how because I didn't received any OTP requests on my end, and so i didn't gave any permission to anything, the local bank are still coordinating with the investigators and filed for a fraud im not sure but they are still coordinating with the investigator which will take how many months more, I'm just losing hope and trust on this case and on this bank, the slow process is taking a toll on my credits due to finance charges and Its sad that the customers are dealing with all the repercussions.