FROM SURVIVING SPOUSE OR NEXT-OF-KIN AND HER SENTIMENTS OF FRUSTRATION TO BANKMOBILE: THE DIGITAL FRUSTRATION IN LIFE. "For the record, my husband died overseas in Bangkok, Thailand and he does not have a will. We have lived in Asia both Thailand and Philippines since the day we got married, that was 2008 along with our young three children." INCIDENT #1: THE PAPER CHECK AND THE SUMMARY OF FINAL STATEMENT "The frustration has been started when I received a paper check January 11,2021 thru UPS courier. The check comes from my late husband's student checking account. I received the following : " 1. A PAPER CHECK which stated under my name, 2. A SUMMARY OF FINAL STATEMENT OF ACCOUNT with a LOGO BANKMOBILE- This was printed out from a Plain A4 bond paper. There was a lack of information as I stated below: 1. THE SUMMARY OF FINAL STATEMENT - a. NO BANK SEALED, NOT EVEN A STAMP, NOT EVEN A SIGNATURE FROM THE PERSON IN-CHARGE OF PREPARING, PRINTING OUT THE FINAL STATEMENT AND DISBURSED THE CHECK. b. IT DOESN'T HAVE A SIMPLE NOTE OR MESSAGE,NOT EVEN A PIECE OF COMMON SENSE TO CARE TO EXPLAIN THE PURPOSE OF THE CHECK WHY IT WAS UNDER MY NAME AND WHERE THE FUNDS COMING FROM KNOWING THE CHECK WILL BE SEND TO OVERSEAS. I BELIEVED ITS BANKMOBILE PART OF DUTIES TO PROVIDE A LETTER OF ACKNOWLEDGEMENT OF THE TRANSACTION AS PER STATED BY THE BANK'S LAW. 2. THE PAPER CHECK - a. THEY DID NOT BOTHER TO WRITE A NOTE ABOUT WHAT TYPE/ KIND OF PAPER CHECK THEY SENT. *** LIKE FOR AN EXAMPLE, IF A THIRD PARTY IS ALLOWED ON THIS CHECK? IS IT TRANSFERABLE, REVOKEABLE? ***WHO WILL BE THE RESPONSIBLE AND THE LIABILITY IF THE 180 DAYS PASSED DUE AND THE CHECK STILL NOT EN-CASH? b. THEY DID NOT EVEN DISCUSSED WHAT WILL BE THE TERMS AND CONDITIONS OF THIS CHECK. INCIDENT #2: THE STATEMENT OF ACCOUNT OR TRANSACTION HISTORY I started to communicate BankMobile around 2nd week of December, year 2020 and since from the start I already being straight to them about what was my purpose of calling them, but until now, my request seems not important to them. I told them how important this information to me and how I needed it most, I explained to them every night I make international call to talk to them .. (A COPY OF TRANSACTION HISTORY FROM HIS STATEMENT OF ACCOUNT FROM SPECIFIC YEAR 2015 AND YEAR 2016 WILL BE A PROOF OF PAYMENT FROM HIS MEDICAL EXPENSE AND RECORD OF PAYMENTS FROM POST-CONSULTATION SINCE 2015 TO 2016. THIS DOCUMENT WILL BE ATTACHED TO MY FORM WHICH I NEED TO SUBMIT TO FEDERAL AGENCY SINCE HE WAS A MILITARY ARMY AND A US VETERAN.) but after all this time, clearly it was a dead end. I wasted too much effort and spending time making International Phone Calls only to talked to the BankMobile Team. INCIDENT #3: THE BANKMOBILE DID NOT ALLOW ME TO HAVE AN ACCESS FROM MY LATE HUSBAND'S LOGIN DETAILS FROM THEIR WEBSITE At first, I been so kind to respect and to understand after knowing that they DID NOT ALLOW ME TO HAVE AN ACCESS TO MY HUSBAND'S LOGIN ACCOUNT FROM THEIR WEBSITE for the purpose of getting the information I need even after they approved the documents as proof of evidence as Next-of-Kin of the account holder such as Marriage Cert, Death Cert and Affidavit & Acknowledgement as Next-of-kind provided by the US Consular Embassy Abroad. After all their request of Additional Information which needs to be MAIL via UPS to send to their mailing address which I provided right away prior to their request. INCIDENT #4: THE BANKMOBILE WAS TAKING RISK OF SENDING THE CHECK VIA USPS THEN VIA POST MAIL IN MANILA. NOT SAFE.NOT SECURED.NO TRACKING#. The original plan of BankMobile Team was to send the paper CHECK via USPS (US POSTAL SERVICES), no doubt, their service is safe and can be trusted. But once mail pass to Manila Postal Services, it will be an ordinary delivery post mail services which cannot be track down or locate and I told them how risky it will be and I am not 100% sure when it comes to safety and security of the mail, this is my opinion based on what was happening to my country where I lived. In in additional frustration, the mail will take a month to received the mail as per estimated by ordinary post mail services in Philippines and sent it to the province as per destination. After the given information and a giving them such example. Still they pursue the plan. They told me that there is "NO OTHER OPTION BUT ONLY TO SEND THE CHECK VIA USPS SINCE THE ACCOUNT WILL BE CLOSED" I was worried so I end up thinking of a solution WITHOUT RISKING THE MAIL WHICH ENCLOSED THE PAPER CHECK AND STATEMENT OF THE ACCOUNT. Then, I spoke the BankMobile Team to consider my suggestions through SENDING THE MAIL THROUGH UPS COURIER since it will be the same process when they request the additional information and advised to send the mail through UPS. Since it will be safe, secured and has a tracking #. Finally, they agreed TO MAIL THE CHECK THROUGH UPS and to make easy from their side, I provided them the MAILING ADDRESS of the UPS office branch in CEBU CITY PROVINCE. INCIDENT #5 : BANKMOBILE DID NOT GIVE ME A CHOICE AFTER ALL, ITS SEEMS LIKE I WAS TALKING TO THE DOOR-KNOB. NOBODY BOTHER TO ASK ME ABOUT MY CHOICE NOR GIVEN THE OPPORTUNITY TO CHOOSE ON HOW I WANT TO RECEIVED OR WHERE TO DEPOSIT THE REMAINING BALANCE OF MY LATE HUSBAND'S ACCOUNT. IS IT TOO MUCH TO ASK FOR A PIECE OF INFORMATION AND TO ADVISE WHAT IS BEST FOR THE BANK AND FOR ME? THEY DID NOT LISTEN TO ME, I AM AN ASIAN, LIVING MY ENTIRE LIFE SINCE THE DAY I WAS BORN BUT NONE OF THE THEM FROM BANKMOBILE TEAM BELIEVED HOW DIFFICULT TO ENCASH THE CHECK AND DID NOT EVEN STOPPED AND LISTENED TO WHAT'S BEST FOR ALL OF US? ITS SEEMS LIKE I WAS TALKING TO THE DOOR-KNOB. INCIDENT #6: #210111-****86 cheque /210111-***** statement REQUEST BY LUIS,BANKMOBILE REPS. January 13,2020 . I spoke to LUIS, asking a copy of the statement of account or transaction history for specific year 2015 to 2016 and prior to our conversation and my full understanding, he send the request and stated the year of transaction prior to my request and top of that, he even provide me a ticket/reference number #210111-****86 cheque /210111-***** statement and should have wait their feedback for about 5 days. ( Verify and Check to BankMobile system, Luis should written notes according to what we discussed and to what he requested to the BankMobile leading Team.) INCIDENT #7: "THE BALANCE CAN BE TRANSFERRED VIA ELECTRONIC-TRANSFER BEFORE THE ACCOUNT CLOSED"- SAID BY BANKMOBILE LADY SUPERVISOR. January 14,2020, I called BANKMOBILE and spoke to a lady supervisor to discuss about my concerned about the check which doesn't comes with a letter from the bank, stating the purpose and reason why they send me the check and also discussed the supervisor how difficult it was to en-cash because of our international airport here is closed due to travel ban plus most of the businesses who can en-cash a US check is closed since the pandemic. After hearing how difficult for me to en-cash the check, she told me " the balance can be transferred via electronic transfer before they close the account". So I was shocked after hearing this and said to her, "WHAT? I've insisted your team to give me an option or tell the situation I have here in Philippines and the risk of it, or at least for them to understand the big difference of Philippines compare to AMERICA so that they will allow to send through Electronic transfer but they did not listen". The supervisor told me to wait for 24 hrs for an update but until now, no response. INCIDENT #8: CHECK NUMBER NEVER BEEN FIND BY THE BANKMOBILE LADY SUPERVISOR BASED FROM HER NOTES PROVIDED IN THEIR SYSTEM. Then I called back again after what 24 hrs, then spoke to a guy supervisor and he said cannot find the check number on their system after I provided the check number. So I ask him, if you cannot find the check number, kindly see the history or notes written to the last supervisor which I spoke yesterday, but he told me that according to the notes of the Lady supervisor, she did not also find the check number.. SO SHE LIED TO ME? INCIDENT #8.a: THE BANKMOBILE GUY SUPERVISOR DOESN'T KNOW THE TERMS AND CONDITIONS OF AN OFFICIAL CHECK. ( Our conversation over the phone continuous...) So I asked him again, if you cannot find this check number, what do you think or what do you call it (referring the paper check)? He said it should be an official check. I feel relieved after he said as an OFFICIAL CHECK after knowing that both supervisor cannot locate or find the check number. Then again I ask him, What are the terms and conditions of this OFFICIAL CHECK? He said, I DO NOT KNOW. WHAT? a Supervisor working in BANKMOBILE, does not even know the TERMS AND CONDITION OF AN OFFICIAL CHECK? even to answer me in a simple word if a third party is allowed to encash an official check! THIS IS A BIG JOKE OF FRUSTRATION! INCIDENT #9 : ADDITIONAL DIGITAL FRUSTRATION FROM THE BANKMOBILE---- I RECEIVED AN EMAIL LAST JANUARY 14,2021 AND ANOTHER EMAIL I RECEIVED LAST JANUARY 17,2021, THEY SEND ME AN EMAIL TWICE, MEANING SAME MESSAGES. THE MESSAGE WAS ONLY TO ADVISE AND INSTRUCT ME TO LOGIN into MY ACCOUNT TO VIEW AND READ THE UNIQUE LETTER AS PRIOR TO MY REQUEST.(See the attached PDF : GMAIL EMAIL RECEIVED from BANKMOBILE.) WHAT DO YOU EXPECT FROM ME AFTER RECEIVING AND READING SAME EMAIL TWICE ? WHEN DID YOU CARE TO PROVIDE THE LOGIN DETAILS TO ACCESS MY LATE HUSBAND'S ACCOUNT? WHY YOU MAKE SIMPLE DOCUMENT BECOME COMPLICATED, KNOWING YOU CAN JUST SIMPLY ATTACHED THE UNIQUE LETTER TO YOUR EMAIL AND SIMPLY SEND IT TO MY EMAIL ADDRESS? WHO ELSE DO YOU THNK COULD HAVE ACCESS OF MY HUSBAND'S ACCOUNT EXCEPT ME WHICH I DO NOT HAVE THE INFORMATION? WHERE DID WE START TO HAVE THIS CONVERSATION, SINCE DECEMBER 2020 RIGHT? DOES THE BANKMOBILE TEAM FORGOT THAT I AM NOT A STUDENT? HOW ABOUT THE PURPOSED OF ENTRUSTING ME THE CHECK AND THE FINAL STATEMENT SENT THROUGH MAIL, STILL HAVE DOUBT ON ME? SO THIS IS WHY YOU SEND ME AN UNKNOWN CHECK WITHOUT ACKNOWLEDGEMENT? AND EVEN TO PROVIDE A UNIQUE LETTER SHOULD UNDERGO WITH COMPLICATED PROCEDURE BY THE LOGIN TO THE ACCOUNT WHICH ON THE FIRST PLACE, YOU DID NOT PROVIDE THE INFORMATION WITH ME. THIS SHOULD BE SERIOUSLY SERIOUS AND ALARMING? Did THE BANKMOBILE TEAM even STOP AND READ WHAT WAS THE WRITTEN IN THE EMAIL BEFORE SENDING IT TO ME? Did THE BANKMOBILE TEAM BOTHER TO THINK AND TO UNDERSTAND THE EMAIL BEFORE SENDING IT TO ME? Did THE BANKMOBILE TEAM VERIFY OR AT LEAST RECALL THE NOTES AND THE RULES AS PER MENTIONED WHEN I BEG TO ALLOW ME TO HAVE AN ACCESS FOR MY LATE HUSBAND'S ACCOUNT IN YOUR WEBSITE? Therefore, I may conclude based from the INCIDENT #3 , that the BankMobile Team Lied To Their Customer since from the very start? "I do not want to judge the team but this is all I got, showing a bad impression based on how they response to my inquiry. a. The BANKMOBILE TEAM AND ITS CREDIBILITY OF PROVIDING SOLUTION TO THEIR CUSTOMER WAS NOT THEIR TOP PRIORITY. b. THE BANKMOBILE TEAM AND THEIR HONESTY AND THE QUALITY OF THE SERVICE WAS AT RISK AFTER DELIVERING UNTRUTHFUL INFORMATION. c. THE BANKMOBILE TEAM AND THEIR LACK OF LISTENING AND WILLINGNESS TO HELP THE CUSTOMER IS OUT OF NOWHERE. "If I was a critic analyst and my goal was only to find the default part of particular company which it will include CUSTOMER SERVICE . I surely give the BANKMOBILE a rate that they deserve to have and of course, this will be based to Customer's satisfactory and experience." The BankMobile Team must know exactly from the beginning about the big difference in terms of en-cashing checks between PHILIPPINES and AMERICA. WHAT WAS THE REALITY IN UNITED STATES IN TERMS OF EN-CASH THE CHECK? a. They have a Gasoline station and ATM machine where any citizen can en-cash the check instantly! WHAT WAS THE BANKMOBILE TEAM'S EXPECTATION IN PHILIPPINES? b. They did not believed the person who lived her whole life in Asia specially to Philippine so the BANKMOBILE HAD EXPECTATION THAT PHILIPPINES IS THE SAME AS AMERICA where I can en-cash the check instantly! WHAT WAS THE REALITY IN PHILIPPINES THAT THE BANKMOBILE TEAM DID NOT KNOW OR NOT EVEN CARE TO KNOW? c. In Philippines, we have GASOLINE STATION everywhere but never had a service of en-cash the check. d. in Philippines we have ATM MACHINE in particular public place, this is ONLY FOR WITHDRAWAL USING ATM CARD, NOT FOR CASH DEPOSIT OR EN-CASH CHECK. e, in Philippines, only BANKS CAN EN-CASH THE FOREIGN CHECK WHICH IS LIMITED TO UNDER CONDITION, #1 RULE : US CHECK SHOULD BE DEPOSITED IN DOLLAR ACCOUNT UNDER WITH SAME NAME AS PER WRITTEN FROM THE US CHECK. #2. ESTIMATED CLEARANCE OF THE CHECK WILL TAKE 2 MONTHS OR MORE UNDER CIRCUMSTANCES. ' #3. THE PHILIPPINE BANKS WILL ACCEPT THE FOLLOWING CHECKS: FEDERAL CHECK OR INTERNATIONAL TRAVELER'S CHECK. So, did you try to imagine yourself being in this place and BANKMOBILE giving you frustration knowing there's another way to lessen the burden according to INCIDENT #7.. "TRY TO BE IN MY SHOES EVEN JUST FOR A SECOND OF YOUR LIFE OF COURSE YOU WILL NOT BOTHER BECAUSE ITS NOT THE KIND OF LIFE YOU ARE LIVING RIGHT NOW BUT ITS MINE.THEREFORE, TRY TO CONSIDER YOURSELF AS LUCKY BEING IN A PLACE WHERE YOU CAN EASILY EN-CASH A PAPER CHECK INSTANTLY!" This is what we call EXPECTATION VS REALITY. TO BANKMOBILE TEAM, HERE'S MY QUESTION: #1. DID YOU BOTHER TO READ AND UNDERSTAND SINCE THE DAY I CALLED YOU (DECEMBER 13,2020)? SINCE THE DAY, I BEEN ASKING AT-LEAST TO PROVIDE A COPY OF HIS BANK TRANSACTION FROM YEAR 2015 TO YEAR 2016 SINCE YOU WILL NOT ALLOW ME TO ACCESS HIS ACCOUNT. #2.DID YOU BOTHER TO PROVIDE THIS INFORMATION I NEED UNTIL NOW? #3. AND WHAT ABOUT THE WHOLE TIME, I MAKE INTERNATIONAL PHONE-CALLS EACH NIGHT FROM PHILIPPINES TO CALL BANKMOBILE IN UNITED STATES AND SPOKE YOUR BANKMOBILE TEAM,NAMELY, TO CORA, ARVIN, CHRISTINE,LUIS AND THE TWO SUPERVISOR. ARE ALL THOSE WASTED PHONE CALLS? #4. DO YOU EVEN THINK I WAS KIDDING AFTER THOSE EFFORT OF TALKING AND MAKING INTERNATIONAL CALL EACH NIGHT. #5. DO YOU HOW EXPENSIVE IT WAS TO MAKE AN INTERNATIONAL CALLS? #6. DID THE BANKMOBILE TEAM TAKE A RIGHT NOTES IN THE SYSTEM? #7. OR EVEN TO WRITE A SMALL SENTENCE ABOUT MY CONCERN ? #8. TAKING NOTES OF WHAT WAS THE INTENTION OF MY LONG DISTANCE CALL? #9. DID THE BANKMOBILE TEAM PROVIDE NOTES ABOUT WHAT WAS THEIR ASSESSMENT/SOLUTION/ADVISED WHICH RELATED TO MY CONCERN/ INQUIRY? FOR THE TWO SUPERVISORS, TO THE LADY SUPERVISOR, SINCE YOU TOLD ME TO WAIT FOR 24 HRS FOR FEEDBACK,THEN THE TIME OF WAITING WAS MORE THAN 24 HRS PASSED. #10. DID YOU SEND ME AN UPDATE OR FEEDBACK ABOUT WHAT HAVE WE DISCUSSED OVER THE PHONE? TO THE GUY SUPERVISOR, SINCE YOU SAID, FIVE DAYS TO WAITING FOR FEEDBACK RELATED TO MY REQUEST, #11. DID YOU BOTHER TO EMAIL ME ABOUT THE RESULTS OF MY REQUEST ? IT IS ALSO OVER,SINCE ITS MORE THAN 2 MONTHS SINCE I COMMUNICATE THE BANKMOBILE AND AS FAR AS MY MEMORY CAN REMEMBER, SINCE FROM THE START I ALREADY BEING STRAIGHT TO ALL OF YOU ABOUT WHAT I NEED, AS FOR THE RECORD. "For the record, before I decided to contact the BANKMOBILE, I already read about the BankMobile and the newly elected CEO Luvleen Sidhu. I read more about THE BANKMOBILE'S vision and mission as DIGITAL BANKING in terms of innovative technology in this generation. The BankMobile should be more initiative in providing solutions under circumstances as long as it will not risking the reputation of the company and whatever the BankMObile had been trying to prove to the public market AS DIGITAL BANKING, then it should be applied as a SEAMLESSLY PAPERLESS." "I have no DOUBT FROM WHAT BANKMOBILE'S VISION AND MISSION AND FOR WHAT THEY ARE TRYING TO PROVE TO THEIR CONSUMERS, not until the FRUSTRATION FROM TIME TO TIME." Since the day I received the UPS parcel enclosed a check and a final statement, "which is useless for me" . I started to find a way to en-cash the check and even got in an accident just for this. "DO I DESERVE THIS? DID THE BANKMOBILE'S PAPER CHECK INCLUDES A DEATH INSURANCE OR A STATEMENT IF THEY ARE RESPONSIBLE TO LOOK AFTER MY THREE YOUNG CHILDREN IF I DIED THAT MOMENT I GOT IN AN ACCIDENT JUST BECAUSE OF FINDING A SOLUTION TO EN-CASH THE CHECK? OF COURSE NOT, RIGHT?" IF THE BANKMOBILE TEAM CANNOT UNDERSTAND MY SIMPLE ENGLISH OR WHATEVER LANGUAGE THEY PREFER TO UNDERSTAND, LET ME KNOW THEN, I WILL APPROACH THE BOARD OF DIRECTORS TO HANDLE THIS MATTER. I MAY NOT KNOW THEM BUT AT-LEAST, I EXPECT THEM TO AT LEAST HAVE SOLUTION ON THIS SITUATION UNDER CIRCUMSTANCES, ESPECIALLY TO YOUR NEWLY ELECTED CEO LUVLEEN SIDHU, SINCE SHE mentions SHE WAS A TRAVELER, SO SHE KNEW THE LIFESTYLE OF LIVING IN ASIA AND THE HOW LIMITED WHEN IT COMES TO GETTING FUNDS FROM THE CHECK UNLIKELY IN AMERICA. "For the record, as my last hope,,I decided to approach the US Embassy from my hometown and they advised me to call the bank Customer's Bank and BankMobile to send it through Electronic Transfer since the check they provide comes from the student checking account. They only accept a Federal Check here." "FOR BANKMOBILE TEAM, TRY TO CARE TO RELATE YOUR LIFE'S SITUATION AND AT LEAST TO KNOW WHERE I COMING FROM AND MY FRUSTRATION YOU PUT ME IN? THEREFORE, KEEP UP THE GOOD WORK BANKMOBILE TEAM. YOU SHOWED ME HOW YOU BECOME ONE OF A KIND DIGITAL FRUSTRATION TO MY LIFE!." "THANK YOU. I HIGHLY APPRECIATED YOUR VERY KIND ASSISTANCE AND THE WASTED TIME AND EFFORT." =========================================== DO YOU KNOW THE GOLDEN RULE OF LIFE AND ITS CONNECTIONS? ***GOLDEN RULE # 1 "DO NOT JUST GO TO WORK BECAUSE YOU HAVE TO WORK." ***INSTEAD, LOVE YOUR WORK BY TAKING TIME TO KNOW THE PRODUCT AND THE DETAILS. BE INFORMATIVE AND RESOURCEFUL AND PREPARED. ***IMPORTANTLY, MAKE A GOOD IMPACT THROUGH BUILDING A GOOD CONNECTION FROM EVERY HUMAN BEING, ESPECIALLY FROM YOUR CUSTOMER BECAUSE THEY ARE THE REASON WHY UNTIL NOW YOU ARE STILL RECEIVING A SALARY AND THE COMPANY YOU ARE WORKING IS STILL IN THE MARKET." FYI, I AM A SOLE PROPRIETOR IN HOSPITALITY INDUSTRY AND ALSO A PROPERTY MANAGEMENT IN TOURISM BOTH THAILAND AND PHILIPPINES. MY EXPERTISE WAS HANDLING CUSTOMER SERVICE. THEIR EXPECTATION IS MY MAIN FOCUS THROUGH LISTENING AND ASKING WHAT THEY NEED AND HAVE TO PREPARE BEFORE ARRIVING MY PROPERTY OR IF THEY NEED FURTHER ASSISTANCE SUCH AS PROVIDING TRANSPORTATION FOR AIRPORT PICKUP TRANSFER.SIMPLY I NEVER HESITATED TO ASKED THEM IF THEY NEED SOMETHING FOR US TO PREPARE LIKE A DINNER RESERVATION AS PRIOR TO THEIR ARRIVAL. A SIMPLE APPROACH WILL EXACTLY BUILD A COMFORT AND CONFIDENCE BOTH SIDES, FROM THE BUSINESS AND FROM THE CUSTOMER. IT DOESN'T MATTER WHERE THEY COME FROM, AS LONG AS THEY ARE HUMAN BEING AND RESPECT THE TRAITS AND CULTURE OF PARTICULAR COUNTRY FROM PARTICULAR PERSON THEY MEET IN THE PROPERTY. IT IS ALL ABOUT GIVING RESPECT, RECEIVING RESPECT. I NEVER TREATED MY GUEST AS GUEST, I TREATED THEM FAMILY SO ONCE THEY ARE IN MY PROPERTY, MY NEXT PRIORITY IS THEIR COMFORT OF STAYING, THE SECURITY AND THEIR SAFETY WHILE TRAVELING TO THE OTHER ISLAND. I ALWAYS GIVE THEM MY WORD, TELLING THEM THAT ANYTIME THEY ARE WELCOME TO STAY IF THEY NEED A PLACE. IN TIME, IT BECOME A GOOD IMPRESSION AND A GOOD CONNECTION WHEN GIVING THEM A GOOD EXPERIENCE BY PROVIDING A GOOD ACCOMMODATION AND SERVICES AND TREATMENT . THIS WILL GIVE CUSTOMER'S UP MOST SATISFACTION. WHEN THEY LEAVE FROM MY PROPERTY FOR THE NEXT JOURNEY, THEY ALWAYS LEFT A NOTE ONLY TO TELL ME THAT THEY NEVER FELT BEING AWAY FROM HOME AND FEEL ALONE AND NEGLECTED FROM OVERSEAS BECAUSE THE PROPERTY AND THE SERVICES AND THE MANAGEMENT TREATED THEM WELL AS FAMILY NOT A STRANGER OR A GUEST. GOLDEN RULE #2 "DO NOT LIE ON SOMETHING JUST BECAUSE YOU DON'T KNOW THE ANSWER. BE REAL AND BE HONEST TO YOURSELF, TO YOUR CUSTOMER AND TO YOUR COMPANY WHOM YOU ARE WORKING WITH." DO NOT BE AFRAID OF GETTING TO KNOW THE INFORMATION RATHER THAN ASSUME AND LIE TO YOUR CUSTOMER. AT THE END OF THE DAY, THE TRUTH WILL PREVAIL AND YOUR CUSTOMER WILL BE ABLE TO KNOW ALL ABOUT THIS INFORMATION. IF YOU DON'T KNOW, FIND THE ANSWER, LATER YOU WILL LEARN FROM IT. THEN IT EASY FOR YOU TO ANSWER THE NEXT CUSTOMER. FIND THE ANSWER AND YOU OVERCOME THAT IGNORANCE. ITS NO LONGER AN EXCUSE. REMEMBER THE WORLD IS TOO SMALL BUT THE DIGITAL INFORMATION IS ONLY AT FINGERTIPS. GOLDEN RULE #3. "NEVER JUDGE THE CAPACITY OF SOMEONE JUST BECAUSE OF HER/HIS COUNTRY OF ORIGIN. YOU'LL NEVER KNOW THE REAL LIFE SHE/HE BEEN THROUGH" DO NOT JUST LISTENED, ALSO UNDERSTAND YOUR CUSTOMER'S CONCERN, THEN THINK HOW YOU COULD SETTLE IT WITHIN THE DAY. DO NOT JUDGE YOUR CUSTOMER BASED ON HER/HIS QUESTIONS. ITS NOT JUST BECAUSE THEY ASKED. IT IS NOT IMPORTANT TO THEM. REMEMBER, THERE'S ALWAYS A PURPOSE OF EVERY QUESTION FROM DIFFERENT CUSTOMER. THEY CALLED AND APPROACH YOU BECAUSE THEY ARE HOPING YOU CAN PROVIDE THE ANSWER FOR THEM, OR SOMEWHAT THEY KNOW THE ANSWER ALREADY, BUT THEY ONLY WANT TO HEAR YOUR ANSWER, ONLY TO VERIFY THEMSELVES THAT THEY UNDERSTOOD IT CLEARLY. "LIFE IS BEAUTIFUL KNOWING AT THE END OF THE DAY, YOU ACCOMPLISHED SOMETHING AND KNOWING YOU SOLVE SOMEONE'S PROBLEM AND THROUGH THIS, THEY HAVE A PEACE OF MIND AND MAKE THEM HAPPY AT THE END OF THE DAY? SO TRY TO BE KIND. TRY TO BE INITIATIVE. TRY TO APPLY THAT COMMON SENSE" ------------------------------------------------------------------------- "IN BEHALF OF MY LATE HUSBAND, AS A LEGAL WIFE AND SURVIVING SPOUSE/NEXT-OF-KIN, THIS IS MY HONEST SENTIMENTS. THE BANKMOBILE TEAM ADDING A FRUSTRATION IN MY LIFE. I THINK THE PUBLIC DESERVE TO KNOW WHAT I BEEN THROUGH. " --------- Mrs. West, Philippines.
User's recommendation: DO SOME RESEARCH , ITS WORTH TO HAVE THE RIGHT INFORMATION. THAN BEING LIED FROM THIS BANKMOBILE TEAM.